Cheapest SR-22 Car Insurance in Wisconsin
Acuity has the cheapest SR-22 insurance in Wisconsin. Its minimum-coverage rates average $54 a month after a major violation. Allstate and American Family have cheap full-coverage SR-22 insurance.
Cheapest SR-22 insurance in Wisconsin: Acuity and Allstate
However, Allstate has the cheapest full-coverage SR-22 insurance after a major violation at $158 a month. At $209 a month, American Family has the next-cheapest rate.
Cheap SR-22 insurance after a major violation
| Company | Minimum coverage | Full coverage | LendingTree score | |
|---|---|---|---|---|
| Acuity | Acuity | $54 | $248 |  |
 | Allstate | $60 | $158 |  |
 | American Family | $70 | $209 | |
 | Geico | $83 | $293 |  |
 | Farmers | $97 | $391 | |
 | Auto-Owners | $116 | $256 |  |
 | Progressive | $119 | $308 | |
| Rural Mutual | Rural Mutual | $122 | $264 | Not rated |
 | State Farm | $136 | $451 |  |
Cheapest SR-22 after a minor violation: Acuity
Acuity also has the state’s cheapest full-coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. SR-22 insurance for minor violations at $130 a month. This is 11% less than the next-cheapest rate of $146 a month from Allstate.
Cheap SR-22 insurance after a minor violation
| Company | Minimum coverage | Full coverage |
|---|---|---|
| Acuity | $40 | $130 |
| Allstate | $49 | $146 |
| American Family | $57 | $186 |
| Geico | $59 | $290 |
| Farmers | $68 | $237 |
| Auto-Owners | $78 | $311 |
| Progressive | $79 | $209 |
| Rural Mutual | $102 | $230 |
| State Farm | $143 | $461 |
How much is SR-22 insurance in Wisconsin?
The average cost of full-coverage SR-22 insurance after a major violation is $275 a month. This is 58% higher than the average with a clean record ($174 a month).
Wisconsin SR-22 insurance rates
| Driving record | Minimum coverage | Full coverage |
|---|---|---|
| Minor violation | $71 | $231 |
| Major violation | $91 | $275 |
Several other factors also influence your SR-22 insurance rate, including:
- Your age and location
- The type of vehicle you drive
- Your credit history
- Any discounts you may qualify to get
Each company weighs these factors differently, and their rates vary by customer. This makes it good to compare car insurance quotes from a few different companies as you shop for SR-22 insurance.
What is SR-22 insurance?
You can get an SR-22 insurance certificate with any policy that meets Wisconsin’s normal car insurance requirements.
Wisconsin’s car insurance requirements
The minimum amounts of car insurance you need to drive legally and get an SR-22 in Wisconsin include:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $10,000 per person, $50,000 per accident
Your lender will also make you get collision Collision covers damage to your own car from a collision with another vehicle or object. and comprehensive Comprehensive covers your own car for theft or damage from non-collision causes like a fire, flood or vandalism. coverage if you have a car loan.
Why do I need SR-22 insurance in Wisconsin?
You usually also need an SR-22 if:
- Your license was suspended as part of a damage judgment A damage judgement is a court process that allows an an accident victim to recoup their medical and car repairs expenses from an uninsured driver. (DJN)
- You’re under the age of 18 and don’t have a sponsor Wisconsin law requires drivers under 18 with learner’s permit or probationary license to have an adult sponsor. In you meet certain requirements, you can get an SR-22 as an alternative to a sponsorship.
Wisconsin’s SR-22 insurance requirements usually last three years. If your insurance lapses during this time, you may lose your driving privileges.
How do I get SR-22 insurance in Wisconsin
Wisconsin SR-22 insurance shopping tips
- It’s good to be upfront about your SR-22 requirement when you ask for a quote. If a company doesn’t offer SR-22 insurance, you can quickly move on to the next one.
- Since SR-22 insurance can get expensive, it’s particularly important to shop around for an affordable rate.
- You may need to go to a nonstandard company Dairyland or The General if you have a really bad driving record.
- When you buy your policy, make sure your agent submits your SR-22 certificate to the state. If the insurance company won’t do this for you, you’ll have to mail in the certificate yourself.
- You can switch insurance companies while your SR-22 requirement is in effect. Make sure to keep your current policy active up to the day your new policy takes effect. Your new company will need to send a new SR-22 certificate to the state.
Can I get SR-22 insurance if I don’t own a car?
Nonowners coverage usually includes liability and uninsured motorist coverage. It lets you legally drive cars that you rent or occasionally borrow.
A nonowners policy often does not cover you in a car you borrow from someone you live with. You usually have to be on the vehicle owner’s insurance in these situations.