Official Wisconsin Guide

Wisconsin SR-22 Insurance

A complete roadmap to satisfying Wisconsin WisDOT requirements. Compare rates, understand liability limits, and get your license reinstated today.

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Min. Liability

25/50/10

$25k BI / $50k Total / $10k PD

Mandate Term

3 Years

Required from date of reinstatement

Filing Fee

~$15 - $25

One-time administrative cost

How Wisconsin SR-22 Filing Works

In Wisconsin, the SR-22 is a "Certificate of Financial Responsibility." It is a digital document filed by your insurance carrier directly with the Wisconsin Department of Transportation (WisDOT) DMV. It serves as legal evidence that you carry the state-mandated minimum liability insurance (25/50/10) required to restore and maintain your driving privileges.

The "Re-Suspension" Trap

If your policy cancels or lapses for even one day, your carrier is legally required to file an SR-26 Notice. This triggers an immediate suspension of your license by the DMV and may reset your 3-year filing period in Wisconsin.

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Who Needs to File in WI?

OWI Conviction: Operating While Intoxicated is the most common reason for a mandatory SR-22 filing.
Uninsured Accident: Being involved in a reportable accident while failing to maintain valid liability insurance.
Habitual Traffic Offender: Accumulating multiple serious traffic violations within a five-year period.
License Revocation: Any administrative hold or court order requiring proof of financial responsibility for reinstatement.

Don't Own a Car in Wisconsin?

You can still get reinstated! A Wisconsin Non-Owner SR-22 Policy covers you as a driver for any vehicle you borrow or rent. It satisfies the WisDOT requirement and is typically much cheaper than a standard owner's policy.

Read our full guide on Non-Owner policies

The WI Reinstatement Timeline

Check Eligibility

Access the WisDOT 'Driver License Eligibility' online system to confirm your reinstatement date and outstanding fees.

Secure SR-22

Purchase a policy with 25/50/10 limits. Your carrier will electronically transmit the certificate to the DMV database in Madison.

Pay Reinstatement Fee

Pay the mandatory fees (typically $60) online through the WisDOT portal or at a DMV customer service center.

Status Valid

Once the SR-22 is logged and the fee is processed, your driving privileges are officially restored in the state system.

The Cost of Non-Compliance

Driving while suspended or letting your SR-22 lapse carries severe penalties in Wisconsin:

First Offense

Immediate Re-Suspension

Court Fines

Up to $1,500 + Surcharges

SR-22 Period

3-Year Clock Resets

Legal Risk

Vehicle Impoundment Possible

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Wisconsin Filing FAQs

How much is the filing fee in Wisconsin?

Most insurance carriers charge a one-time fee of $15-$25 to electronically file the certificate with the WisDOT. This is separate from your monthly premium.

Can I drive out of state with a WI SR-22?

Yes. Your Wisconsin SR-22 is valid nationwide. You must maintain the Wisconsin-specific limits (25/50/10) to remain compliant with state law.

What is the difference between SR-22 and an Occupational License?

An SR-22 is proof of insurance. An Occupational License is a restricted permit that allows you to drive for work or essential needs while your primary license is suspended.

Can I get a Non-Owner policy in WI?

Yes, Wisconsin allows Non-Owner SR-22 filings. It is often the most cost-effective way to restore your license if you do not own a vehicle.

Will my license be suspended if I miss a payment?

Yes. Wisconsin law requires insurers to notify the DMV immediately (via SR-26) if your policy lapses, which triggers an instant automatic suspension.

How do I remove the SR-22 after 3 years?

Once your 3-year mandate expires, verify with the WisDOT that your requirement is clear. You can then instruct your insurer to remove the SR-22 filing.

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