Wisconsin SR-22 and car insurance quotes
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How SR-22 works in Wisconsin
An SR-22 isn't a type of insurance. It's a certificate your insurance company files with the Division of Motor Vehicles (DMV) at the Wisconsin Department of Transportation (WisDOT) to prove you carry at least the state minimum coverage. Wisconsin usually requires one to reinstate a revoked license, to get an occupational license while your license is suspended or revoked, or after a suspension for an unpaid crash judgment or a crash without insurance. A revocation only for a first-offense OWI (Wisconsin's name for a DUI) doesn't need one. You typically keep it for 3 years from the date you're eligible to reinstate.
- Your insurance company files the SR-22 with the Wisconsin DMV for you, and an electronic filing usually shows on your record within one to two working days
- Keep the policy active the whole time. If it ends, your insurer has to notify the DMV at least 10 days ahead, and the DMV suspends or revokes your license until a new SR-22 is on file
- A licensed agent can quote it today and explain your options
Wisconsin minimum car insurance
Wisconsin requires at least $25,000 for injuries per person, $50,000 per accident and $10,000 for property damage, often written as 25/50/10. Auto policies also have to include uninsured motorist coverage of at least $25,000 per person and $50,000 per accident. Underinsured motorist coverage is optional. Your SR-22 policy has to meet at least the 25/50/10 limits.
No car? Non-owner SR-22 in Wisconsin
If you don't own a car, Wisconsin law allows an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. The Wisconsin DMV only accepts an SR-22 marked for both owner's and operator's coverage or one that covers all owned and non-owned vehicles, so ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 and car insurance across Wisconsin
We help drivers anywhere in Wisconsin. These cities have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Wisconsin SR-22 questions
Who needs an SR-22 in Wisconsin?
The Wisconsin DMV usually requires one to reinstate a revoked license, to get an occupational license while your license is suspended or revoked, or after a suspension for an unpaid crash judgment or a crash without insurance. A revocation only for a first-offense OWI (Wisconsin's name for a DUI), or only for not completing a driver safety plan, doesn't need one. Drivers under 18 can also file one instead of having a sponsor. If you aren't sure, ask the Wisconsin DMV or a licensed agent.
How long do I need an SR-22 in Wisconsin?
Typically 3 years from the date you're eligible to reinstate your license. If you aren't sure of your dates, ask the Wisconsin DMV.
What happens if my SR-22 lapses in Wisconsin?
Your insurer has to tell the DMV at least 10 days before the policy ends, and the DMV suspends or revokes your license until a new SR-22 is on file or your 3 years are up. If you plan to stop driving in Wisconsin, the DMV lets you surrender your license before you cancel the policy to avoid extra fees. Line up a new SR-22 before you switch companies.
Can I get an SR-22 in Wisconsin without a car?
Yes. Wisconsin law allows an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: Wisconsin DMV: SR22 certificate (proof of insurance) · Wisconsin Statutes 344.01(2)(d): minimum limits
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