Wisconsin SR-22 Insurance After DUI
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
Free to compare
Wisconsin at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$60
State license reinstatement fee, about 2 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wisconsin
Wisconsin is a traditional tort state, meaning the at-fault driver's liability insurance pays for injuries and damage. The Wisconsin Department of Transportation requires continuous SR-22 filing for 3 years after a DUI conviction, measured from the conviction date or the first day your license was suspended. Miss a premium payment and your carrier notifies WisDOT within 10 days, triggering immediate license re-suspension.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Wisconsin
$261–$266/mo
Typical monthly rate in Wisconsin, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Filing duration: Wisconsin requires 3 years of continuous SR-22 from conviction date; some carriers offer premium step-downs at 18 months if no additional violations occur.
Find an Insurer That Will File After a DUI
Get SR-22 Coverage After a DUIIf your license is suspended
Occupational License (Occupational Operator License)
application fee $50, about 0 days to process.
A coverage lapse is reported
The state acts on a lapse after 0 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in Wisconsin after a DUI?
Wisconsin requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date or the first day of your license suspension. If you're convicted in January 2025 and your license is suspended immediately, your SR-22 filing period ends in January 2028. The filing period does not pause if you move out of state or let your policy lapse; any gap restarts the 3-year clock from zero.
What happens if I miss a payment on my Wisconsin SR-22 policy?
Your carrier notifies the Wisconsin Department of Transportation within 10 days of a missed payment or cancellation. WisDOT re-suspends your license immediately, and you must pay reinstatement fees again, file a new SR-22, and restart the 3-year filing period from the date of the new filing. One missed payment can add years to your total SR-22 obligation.
Which insurance companies write SR-22 policies after DUI in Wisconsin?
Most mainstream carriers like State Farm, Geico, and Progressive will file SR-22 for existing customers but typically non-renew the policy at the end of the term. Non-standard carriers that specialize in DUI policies include Dairyland, Direct Auto, Bristol West, GAINSCO, The General, and Safe Auto. Availability varies by county, and not all non-standard carriers operate in rural Wisconsin counties.
Does Wisconsin SR-22 requirement transfer if I move to another state?
No. If you move out of Wisconsin before your 3-year SR-22 period ends, you must file SR-22 in your new state and maintain it for the remainder of the Wisconsin-imposed filing period. Your new state's Department of Motor Vehicles coordinates with Wisconsin to track compliance. A lapse in SR-22 filing in your new state triggers suspension in Wisconsin and requires full reinstatement fees.
Can I reduce my Wisconsin SR-22 filing period by taking a defensive driving course?
No. Wisconsin does not reduce the 3-year SR-22 filing period for completing a defensive driving course or DUI education program. However, some judges reduce filing periods to 2 years for first-offense drivers who maintain higher-than-minimum liability coverage and install an ignition interlock device voluntarily. This is discretionary and requires a court motion; it is not automatic.
Coverage Types
SR-22 Insurance
Certificate filed by your carrier proving continuous liability coverage to the Wisconsin Department of Transportation. Required for 3 years after DUI.
Non-Owner SR-22
Liability-only policy for drivers who don't own a vehicle but need SR-22 filing to reinstate their license or satisfy court requirements.
Liability Insurance
Pays medical bills, lost wages, and property damage when you injure someone or damage their property in an at-fault accident. Wisconsin's tort system makes this the foundation of every SR-22 policy.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Wisconsin requires carriers to offer it.