Updated April 2026
State Requirements
Wisconsin requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Drivers with DUI convictions, multiple violations, at-fault accidents while uninsured, or license suspensions must file SR-22 proof of insurance with the Wisconsin Department of Transportation. The state does not offer hardship licenses for most SR-22 situations, meaning drivers must maintain continuous coverage for the entire requirement period. Wisconsin penalizes uninsured driving with fines up to $500 and license suspension extending the SR-22 period.
Cost Overview
High-risk auto insurance premiums in Wisconsin vary significantly based on violation type, driving history length, and location. DUI convictions typically increase rates by 140–200%, while multiple speeding tickets or at-fault accidents raise premiums by 40–80% compared to standard rates. Non-standard carriers dominate the high-risk market in Wisconsin, and rates typically decrease as violations age beyond 3–5 years if no new incidents occur.
What Affects Your Rate
- Violation type (DUI/OWI increases rates more than speeding tickets)
- Time since violation (rates decrease after 3–5 years with clean record)
- SR-22 filing requirement and duration remaining
- Prior insurance coverage history and lapses
- Location within Wisconsin (Milwaukee and Madison have higher rates than rural areas)
- Vehicle type and value (newer financed vehicles increase comprehensive/collision costs)
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Wisconsin's minimum liability. Required for 3 years after DUI, license suspension, or uninsured accidents. The filing costs $15–$35, but the policy itself carries high-risk premiums.
Non-Owner SR-22 Insurance
Liability coverage for drivers who do not own a vehicle but must maintain SR-22 filing to keep license eligibility. Covers you when driving borrowed or rental vehicles.
Liability Insurance
Covers injuries and property damage you cause to others. Wisconsin minimums are 25/50/10, but high-risk drivers should consider 50/100/25 or higher to protect assets in the event of another at-fault accident.
Uninsured Motorist Coverage
Pays for your injuries and damages when an at-fault driver has no insurance. Wisconsin does not require UM coverage but insurers must offer it at limits matching your liability policy.
Comprehensive Coverage
Covers vehicle damage from theft, vandalism, weather, fire, or animal collisions. Required by lienholders on financed vehicles regardless of your driving record.
Collision Coverage
Covers damage to your vehicle from accidents regardless of fault. Required by lienholders and recommended for newer vehicles, but may not be cost-effective for older cars owned outright.
