Drivers who are convicted of serious traffic violations or have been involved in a serious accident must obtain SR-22s. “SR-22 insurance” does not refer to a policy of insurance, but a certificate that shows you have the right amount of insurance in your state.
High-risk drivers may need to file SR-22 alternatives, depending on where they live. This can impact the cost. We will be discussing the SR-22 requirements in Wisconsin and how to get one.
What is “SR-22 insurance?”
“SR-22 insurance” can be used to prove that you have insurance. This certificate certifies that you have the minimum car insurance in Wisconsin. It is abbreviated to 25/50/10. This includes $25,000 per person in bodily injuries coverage, $50,000 per accident in bodily injuries coverage and $10,000 per accident in property damage coverage.
Wisconsin drivers who are convicted of a serious traffic offense, involved in an accident that results in injuries or deaths, or have their license suspended or revoked must obtain an SR-22. To get your license restored, you will need an SR-22 to file with the Wisconsin DMV. If you don’t have insurance, you will need to purchase a policy that meets state requirements.
Not all car insurance companies offer SR-22 certificates in Wisconsin. To get an SR-22, you should look for insurance companies that offer high-risk or non-standard car insurance. After you have completed the paperwork and verified your insurance coverage, the provider will file a certificate with the DMV.
SR-22 Wisconsin alternatives
Some states do not require SR-22s following a serious traffic offense. Some drivers may need to file an alternative financial responsibility form depending on the state they live in, the type of violation and if there has been a repeat violation. Wisconsin does not use SR-22 certificates. These are the most common SR-22 options, their requirements and how they affect insurance requirements.
| Form | Issued by the States | Minimum requirements for insurance |
|---|---|---|
| SR-22 | All states except Delaware, Kentucky, Minnesota, New, Mexico, New York, North Carolina, Oklahoma, and Pennsylvania | Minimum insurance coverage in the state |
| SR-19 | California and Texas | Minimum uninsured motorist coverage (UM) in your state |
| SR-21 | Florida, Georgia, and Indiana | Minimum insurance coverage in the state |
| SR-22A | Georgia, Texas, and Missouri | Minimum insurance coverage in the state |
| FR-44 | Florida and Virginia | Minimum coverage for state with higher liability limits |
| SR-50 | Indiana | Minimum insurance coverage in the state |
- SR-19 Texas and California drivers must complete an SR-19 form if they are hit by an uninsured motorist. This form is necessary to file an insurance claim for uninsured motorist.
- SR-21 The state DMV uses an SR-21 to verify that a driver caused an accident in Florida or Georgia.
- SR-22A – SR-22A forms can only be found in Texas, Georgia, and Missouri. This form is the same as a traditional SR-22, and it’s required if a driver has their license suspended because of a violation.
- FR-4: Only Florida and Virginia have FR-44 insurance. SR-22s and FR-44s are very similar. However, an FR-44 requires that the driver has more liability insurance than is normally included in a policy with minimum coverage.
- SR-50 – Indiana is one of the few states that use SR-50 forms. This is a certificate that proves insurance coverage. It includes the policy’s beginning and ending dates and can be used to verify coverage in case of an accident or violation.
Non-owner SR-22
Wisconsin drivers must purchase non-owner SR-22 coverage if they are cited for a violation or are involved in a serious accident with a borrowed vehicle. Standard SR-22s as well as non-owner SR-22s are subject to the same insurance requirements. Even if you don’t own a registered car, you will need to purchase a non-owner policy to meet the requirements.
SR-22 Wisconsin insurance prices
Unlike the recurring cost for car insurance, SR-22s require a one-time fee. An SR-22 purchase will require you to pay a small filing fee, which is usually less than $50. A license reinstatement fee will be required if your driver’s licence is suspended. It could cost $50 to $200 depending upon the reason your license was suspended.
Having an SR-22 record on your record will show other factors that can affect your car insurance premium. If you are convicted of a DUI or have been driving without insurance, your rates will likely rise significantly. Although the SR-22 requirements do not directly affect your insurance rates, they will cause a rate rise.
FAQ
What length of time do I need an SR-22 to work in Wisconsin?
The certificate that you receive if you are required to obtain an SR-22 in Wisconsin will remain on your record for three year from the reinstatement eligibility date. The SR-22 must be renewed at the end each year. Wisconsin does not provide information about whether or not an SR-22 will remain on your record for more than three years. This is based on the type and number of violations you have had.
How can I obtain SR-22 insurance for Wisconsin
An SR-22 must be obtained from a licensed company to sell insurance in Wisconsin. Look for providers who specialize in high-risk or non-standard auto insurance. These companies are more likely sell SR-22s than non-owner SR-22s. Once you have completed the paperwork and verified your insurance policy information the insurance company will forward the forms to DMV.
What is the cost of SR-22 insurance in Wisconsin?
SR-22 forms for Wisconsin are generally not very costly. Although you will have to pay a filing fee to allow the insurance company submit the paperwork to the state, the cost is very low. SR-22s do not count as insurance. This means that the usual factors that affect the cost of SR-22 certificates, such as age and credit score, don’t have an impact on the price.
How can I find cheap SR-22 insurance for Wisconsin?
Call several providers and ask for the filing fee to find cheap SR-22s. You should also remember that an SR-22 on your file can reflect other factors that could impact your premium. Therefore, it is worth comparing policies between providers to find better savings.