SR-22 in Wisconsin: What You Need to Know
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An SR-22 is a certificate that your car insurance company must file with the DMV. It’s not an insurance policy, although some people call it “SR-22 insurance.” Rather, it’s a way for your insurer to guarantee that you have the minimum required coverage.
An SR-22 certificate allows you to start driving again.
If you need to understand how an SR-22 in Wisconsin impacts your insurance, you’re in the right place. And if you need help with lowering your overall insurance payments, even if you don’t have a squeaky-clean record, we can help you with that too. Hint: Jerry can help you find cheap car insurance by quickly comparing prices from dozens of companies.
Keep reading to learn all you need to know about SR-22 in Wisconsin.
What is an SR-22 in Wisconsin?
An SR-22 is a form that your insurer must provide to the Wisconsin DMV. It proves that you have the minimum liability coverage, and it’s often required after your license has been suspended or revoked. It may also be required for drivers under 18 if they don’t have an adult sponsor.
An SR-22 is a special certificate, not just a letter or a copy of your policy.
In Wisconsin, the minimum coverage is:
- $25,000 for death
- $50,000 for personal injury
- $10,000 for property damage
An SR-22 has to be maintained for a minimum period of 36 months in Wisconsin. If the driver does not renew it at least 15 days before the expiration date, the state will be notified. When the period is up, you will no longer be required to have an SR-22.
Key Takeaway An SR-22 is a form that proves you have minimum insurance, and you may need it if your license was suspended or revoked.
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Who needs it?
Usually, you will be notified that you need an SR-22. For instance, if your license has been suspended or revoked, you will need this form to regain your license to get you back on the road again.
Drivers under 18 may need an SR-22 if they don’t have a sponsor. This can help a minor (who has passed the driver’s test) get their own car insurance in the absence of a parent or adult guardian.
How to get it
Most insurance companies will need to fill out and file the form on your behalf. If they won’t, you can email or fax your SR-22 certificate to the Wisconsin DMV.
The filing process takes just a day or two if submitted electronically. Note that a summary or other proof of insurance will not suffice—you must have the official SR-22 certificate.
Be sure to ask the company to check off the “Owners Policy” box and write “All Owned Vehicles” if you need an SR-22 owner-only policy.
How much does it cost?
It should cost you no more than $50 (or a similarly nominal fee) to get an SR-22 in Wisconsin. The average fee is between $15 and $35.
How an SR-22 impacts your insurance in Wisconsin
If you have to file an SR-22 in Wisconsin, it signifies that you are a high-risk driver, and as a result, you can expect to pay a higher premium than a driver who has a clean record.
You might be considered a high-risk driver if you are under 18 (and statistically more likely to get into an accident) or you have had your license suspended or revoked.
You will also be limited in your choice of insurers, as some companies will not insure SR-22 drivers.
But don’t be discouraged! Shopping around for the cheapest rates is a smart way to uncover the lowest possible rate given your driving record.
Key Takeaway If you need an SR-22, you might be facing higher than average insurance rates—but shopping around with Jerry can help you find savings.
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