Cheap SR-22 Insurance in Wisconsin From $52
With monthly liability rates averaging $52, USAA is the cheapest company in Wisconsin for SR-22 insurance.
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An SR-22 is a certificate of financial responsibility that states require for high-risk drivers to prove they have the minimum required liability insurance coverage. It’s a way of ensuring high-risk drivers stay insured for a set amount of time after a traffic violation or driver’s license suspension.
Learn more about SR-22 insurance in Wisconsin, when you need it, and how to get it.
Cheapest companies for SR-22 insurance in Wisconsin
Just like with regular car insurance, some insurance companies have cheaper car insurance for SR-22 certificates than others. Check out the table below to see the cost of car insurance with an SR-22 certificate from some of the cheapest companies in Wisconsin.
What is SR-22 insurance in Wisconsin?
SR-22 forms are certificates that insurance companies issue to high-risk drivers to prove they have the minimum insurance requirements in Wisconsin. Unlike standard car insurance policies, SR-22 certificates are proof that you meet the state’s minimum coverage requirements — they don’t provide any car insurance coverage.
The state of Wisconsin requires SR-22 insurance certificates for people who want to reinstate their driver’s licenses after a serious violation and for drivers younger than 18 without a sponsor. You need to maintain your SR-22 insurance for a minimum of three years in Wisconsin. If your car insurance policy lapses, your insurer will notify the state, which can result in penalties.1
One of the most common reasons SR-22 certificates are issued is for DUIs. SR-22 forms are crucial because they ensure that high-risk drivers are held financially responsible on the road.
Difference between SR-22 and FR-44
SR-22 and FR-44 forms are both certificates of financial responsibility. They differ in which states they’re used in — Florida and Virginia use FR-44s, while most other states, including Wisconsin, use SR-22s. FR-44 certificates typically impose stricter limits than SR-22 forms.
When you need SR-22 insurance
You’ll typically need SR-22 insurance if you have any of these driving incidents on your record:
A DUI conviction
Driving without insurance
Reckless driving
A suspended license
Numerous traffic offenses
How to get SR-22 insurance in Wisconsin
Getting SR-22 insurance in Wisconsin is pretty straightforward. Follow these steps to obtain an SR-22 certificate:
How long Wisconsin requires SR-22 insurance
In most cases, Wisconsin requires drivers to maintain SR-22 coverage for at least three years once their driving privileges have been reinstated. For serious moving violations, such as DUIs or repeated reckless driving offenses, you may need to maintain the SR-22 for longer than three years. If you fail to renew your SR-22 or commit another driving violation, you’ll likely need to maintain the coverage for longer.
With an SR-22 insurance certificate, your insurance premiums are likely going to be more expensive, as insurers see you as a higher risk to insure. It can be difficult to find a company to insure you in some cases, depending on the severity of your traffic violation.
How SR-22 insurance affects driving record and future rates in Wisconsin
SR-22 insurance affects your driving record for about five years, during which your insurance rates will be higher than normal. You’ll likely pay much more in premiums than you used to, but you still have some ways you can lower your insurance rates:3
First, and most importantly, avoid any more violations. Do your best to maintain a clean driving record going forward. Having more incidents on your record could increase the duration of your SR-22 and raise your auto insurance rates even more.
Take defensive driving courses. It’s a good idea to take state-approved defensive driving courses — this can potentially remove points from your driving record and earn you a discount from your insurer.
Compare car insurance quotes. One of the best ways to save money is by comparing quotes from multiple insurers to find the most affordable one for you and your vehicle.