Best Wisconsin SR-22 Insurance in 2024 (See the Top 10 Companies Here)

State Farm, American Family, and Geico are the best Wisconsin SR-22 insurance providers, with rates starting as low as $16 per month. State Farm provides competitive basic coverage through its Milwaukee network of local agents.

American Family provides multiple discount programs, and Geico is strong on usage-based savings through its telematics program. SR-22 insurance is required in Wisconsin for drivers with violations like DUIs, driving without insurance, or multiple traffic infractions, typically lasting three years.

Company	Rank	UBI Savings	A.M. Best	Best For	Jump to Pros/Cons
	#1	30%	B	Reliable Service	State Farm
	#2	20%	A	Discount Options	American Family
	#3	25%	A++	Affordable Rates	Geico
	#4	30%	A+	Flexible Discounts	Progressive
	#5	40%	A+	Comprehensive Coverage	Allstate
	#6	40%	A+	Customizable Plans	Nationwide
	#7	15%	A	Immediate Support	Farmers
	#8	30%	A++	Military Focus	USAA
	#9	30%	A	Tailored Policies	Liberty Mutual
	#10	20%	A++	Broad Coverage	Travelers

DUI or DWI convictions have increased premiums compared to drivers with clean records, though many insurers offer discounts to help offset costs. Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.

What You Should Know

• State Farm leads with its extensive Wisconsin agent network
• American Family offers unique savings through flexible payment programs
• Geico delivering competitive rates at $23 monthly for minimum coverage

#1 - State Farm: Top Overall Pick

Pros

• Competitive Basic Coverage: Minimum coverage starting at $21 monthly for Wisconsin SR-22 insurance requirements.
• Local Agent Network: While our State Farm car insurance review highlights their extensive agent network, this proves especially valuable for SR22 insurance assistance in Wisconsin.
• Multiple Discount Programs: Wisconsin SR-22 insurance savings through safe driver, continuous coverage, and homeownership discounts.

Cons

• Higher Full Coverage Rates: Premium costs for comprehensive SR-22 insurance in Wisconsin increase significantly for high-risk drivers.
• Strict Eligibility Rules: May deny affordable SR22 insurance coverage for severe violations in Milwaukee and surrounding areas.

#2 - American Family: Best for Discount Options

Pros

• Affordable Monthly Rates: Basic SR-22 coverage starting at $22 monthly for Wisconsin drivers.
• Extensive Discount Options: Multiple SR22 insurance savings in Milwaukee through bundling and payment programs.
• Regional Expertise: Our review of American Family car insurance confirms that they know their local SR-22 requirements and support services well.

Cons

• Limited Coverage Area: In some regions of Wisconsin, SR22 insurance may be available, but it could be limited.
• Complex Claims Process: SR-22 insurance claims take more time and require a lot of paperwork.

#3 - Progressive: Best for Flexible Discounts

Pros

• Usage-Based Savings: Snapshot program monitoring offers additional SR22 Wisconsin insurance discounts.
• Flexible Payment Options: In our Progressive car insurance review, we explain how their flexible payment plans are perfect for high-risk drivers.
• Instant Filing Service: Electronic Wisconsin SR22 insurance submission within 1 business day.

Cons

• Higher Initial Costs: SR22 insurance in Wisconsin may require a lot of down payment compared to normal policies.
• Rate Fluctuations: Driving patterns can lead to Wisconsin SR-22 insurance premiums skyrocketing.

#4 - Allstate: Best for Comprehensive Coverage

Pros

• Extensive Protection: In our Allstate car insurance review they offer a lot of coverage options, especially for SR-22 filers.
• Local Agency Support: Dedicated Wisconsin SR22 insurance agents providing personalized filing assistance.
• Accident Forgiveness: First-time incident forgiveness for Wisconsin SR-22 insurance policy holders.

Cons

• Premium Rates: Higher SR22 insurance Wisconsin costs compared to basic coverage providers.
• Strict Requirements: Stringent eligibility criteria for Wisconsin SR-22 insurance discount programs.

#5 - Nationwide: Best for Customizable Plans

Pros

• Tailored Coverage: Wisconsin SR-22 insurance plans can be customized for particular driving restriction needs.
• Multiple Discounts: In our Nationwide car insurance review, we explain their wide range of discount programs for high-risk drivers.
• Online Resources: Implementing an efficient management of Wisconsin SR22 insurance policies by means of complex digital tools.

Cons

• Coverage Gaps: Limited SR-22 insurance options in certain Wisconsin regional areas.
• High Base Rates: More expensive SR22 insurance Wisconsin minimum coverage starting rates.

#6 - Farmers: Best for Immediate Support

Pros

• Quick Processing: Fast SR-22 insurance Wisconsin filing with immediate coverage verification services.
• 24/7 Support: Looking at our Farmers car insurance review shows their commitment to round-the-clock SR22 assistance.
• Forgiveness Programs: Accident forgiveness options for Wisconsin SR22 insurance policy holders.

Cons

• Limited Discounts: Fewer SR-22 insurance savings opportunities compared to other Wisconsin providers.
• Regional Pricing: Higher SR22 insurance costs in Wisconsin metropolitan areas.

#7 - Liberty Mutual: Best for Tailored Policies

Pros

• Customized Coverage: Our car insurance review of Liberty Mutual emphasizes their flexible SR-22 policy customization options.
• RightTrack Program: Usage-based SR22 insurance discounts through driving behavior monitoring in Wisconsin.
• Multi-Policy Benefits: Bundling options for Wisconsin SR22 insurance with other coverage types.

Cons

• Higher Premiums: More expensive SR-22 insurance rates in Wisconsin urban areas.
• Complex Claims: Lengthy Wisconsin SR22 insurance claim processing and documentation requirements.

#8 - USAA: Best for Military Focus

Pros

• Military Benefits: Our USAA car insurance review details their exceptional military-focused SR-22 coverage options.
• Competitive Rates: Lowest SR22 insurance minimum coverage starting at $16 monthly.
• Quality Service: Top-rated Wisconsin SR22 insurance claims handling and customer support.

Cons

• Membership Restricted: SR-22 insurance limited to military members and families in Wisconsin.
• Limited Offices: Minimal physical SR22 service locations in Wisconsin.

#9 - Travelers: Best for Broad Coverage

Pros

• Wide Coverage: According to our Travelers car insurance review, their broad SR-22 coverage options suit various risk levels.
• IntelliDrive Program: Smart technology discounts for Wisconsin SR22 insurance policy holders.
• Multiple Packages: Various Wisconsin SR22 insurance coverage levels for different needs.

Cons

• Limited Availability: Restricted SR-22 insurance access in certain Wisconsin regions.
• Price Variations: Inconsistent SR22 insurance Wisconsin rates across coverage areas.

#10 - Erie: Best for Regional Support

Pros

• Personalized Service: Regional focus ensures tailored SR-22 insurance Wisconsin assistance.
• Flexible Coverage: As mentioned in our Erie insurance reviews, they have adaptable SR22 insurance Wisconsin options for various violation types.
• Rate Lock Program: Stable Wisconsin SR22 insurance premium options for qualified drivers.

Cons

• Geographic Limitations: SR-22 insurance coverage restricted to specific Wisconsin areas.
• Qualification Requirements: Strict Wisconsin SR22 insurance eligibility standards for high-risk drivers.

How Much is SR-22 Insurance in Wisconsin

If you must file an SR-22 form in Wisconsin, it means you have been in trouble for a driving offense. The state or a court has ordered you to submit this form to the Wisconsin Department of Transportation. The SR-22 serves as proof that you have insurance, meant for those deemed high-risk. Your insurance company will handle the filing for you.

When comparing SR22 insurance Milwaukee, WI providers, costs vary significantly. USAA offers the lowest rates at $16 monthly for minimum coverage, while State Farm and American Family follow at $21 and $22 respectively. However, for SR22 insurance Wisconsin quotes, remember that rates in urban areas like Milwaukee may be higher than state averages.

Insurance Company	Minimum Coverage	Full Coverage
	$43	$123
	$22	$63
	$38	$109
	$23	$62
	$30	$85
	$80	$227
	$33	$94
	$21	$59
	$26	$73
	$16	$47

While shopping for SR22 insurance quotes in Wisconsin, you'll need to meet minimum coverage requirements of $25,000/$50,000 for bodily injury and $10,000 for property damage, plus matching uninsured/underinsured motorist coverage.

The SR-22 filing period typically lasts three years, and maintaining continuous coverage is crucial. Any lapse could result in license suspension and additional penalties. For the most competitive sr 22 insurance Milwaukee rates, it's recommended to compare quotes from multiple insurers.

Wisconsin SR-22 Insurance Requirements & Discount Options

In Wisconsin, SR-22 insurance is required for various violations, including DUIs, driving without insurance, license suspensions, or multiple traffic violations.

This high-risk insurance requirement particularly affects drivers in Milwaukee, Wauwatosa, and surrounding areas, typically resulting in higher premiums. After a DUI conviction, Wisconsin drivers pay a 70% more than those with clean records. (Read More: What Is Considered a Clean Driving Record?)

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— State Farm (@StateFarm) October 1, 2024

To help offset these increased costs, many insurance providers offer various discounts to SR-22 filers. Here's a comprehensive breakdown of available discounts from major insurers:

Insurance Company	Available Discount
	Multi-Policy, Safe Driver, Defensive Driving Course, Good Student, Loyalty Discount, Low Mileage, Auto Safety Equipment.
	Multi-Policy, Safe Driver, Good Student, Anti-Theft Device, Homeowner, Pay-In-Full, Alternative Fuel.
	Multi-Policy, Good Driver, Seatbelt Use, Defensive Driving, Vehicle Safety Equipment, New Vehicle, Anti-Theft Device.
	Multi-Policy, Good Driver, Anti-Theft Device, New Car, Homeowner, Paperless, Pay-In-Full.
	Multi-Policy, Defensive Driving Course, Safe Driver, Anti-Theft Device, Accident-Free, Automatic Payments, Paperless.
	Multi-Policy, Homeowner, Safe Driver, Continuous Insurance, Good Student, Snapshot (usage-Based Discount).
	Multi-Policy, Safe Driver, Defensive Driving Course, Anti-Theft Device, Accident-Free, Vehicle Safety.
	Multi-Policy, Safe Driver, Hybrid Vehicle, Continuous Insurance, Good Student, New Car, Homeownership.
	Multi-Policy, Safe Driver, Defensive Driving Course, Vehicle Storage, Annual Mileage, Military Garaging.
	Multi-Policy, Homeowner, Safe Driver, Continuous Insurance, Good Student

To obtain SR-22 insurance in Wisconsin, you'll need to work directly with an insurance carrier, as you cannot file independently. The filing period is typically three years, and continuous coverage is mandatory to avoid license suspension.

Finding the Best Wisconsin SR-22 Insurance

The best Wisconsin SR 22 insurance providers include State Farm, American Family, and Geico, with State Farm boasting the most local agent network for personalized service, American Family offering multiple discounts programs including bundling and payment options, and Geico offering the best usage-based car insurance savings through its telematics program.

The average cost of SR-22 insurance in Wisconsin ranges from $16 to $80 monthly for minimum coverage, with USAA offering the lowest rates at $16 monthly for military members and State Farm following at $21 monthly. Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.