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, and it typically lasts 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 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 delivers 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 SR-22 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 SR-22 insurance coverage for severe violations in Wisconsin and surrounding areas.

#2 - American Family: Best for Discount Options

Pros

• Affordable Monthly Rates: For Wisconsin drivers, basic SR-22 coverage starts at $22 monthly.
• Extensive Discount Options: Multiple SR-22 insurance savings in Wisconsin through bundling and payment programs.
• Regional Expertise in Wisconsin: 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, SR-22 insurance may be available, but it could be limited.
• Complex Claims Process: SR-22 insurance claims in Wisconsin take more time and require a lot of paperwork.

#3 - Progressive: Best for Flexible Discounts

Pros

• Usage-Based Savings: Snapshot program monitoring offers additional SR-22 Wisconsin insurance discounts.
• Flexible Payment Options: In our Progressive car insurance review, we explain how their SR-22 insurance flexible payment plans are perfect for high-risk drivers in Wisconsin.
• Instant Filing Service: Electronic Wisconsin SR-22 insurance submission within one business day.

Cons

• Higher Initial Costs: SR-22 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: Our Allstate car insurance review found that Allstate offers many coverage options for Wisconsin drivers, especially for SR-22 filers.
• Local Agency Support: Dedicated Wisconsin SR-22 insurance agents providing personalized filing assistance.
• Accident Forgiveness: First-time incident forgiveness for Wisconsin SR-22 insurance policyholders.

Cons

• Premium Rates: Higher SR-22 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: Our Nationwide car insurance review, explains their wide range of SR-22 insurance discount programs for high-risk drivers in Wisconsin.
• Online Resources: Implementing an efficient management of Wisconsin SR-22 insurance policies using complex digital tools.

Cons

• Coverage Gaps: Limited SR-22 insurance options in certain Wisconsin regional areas.
• High Base Rates: More expensive SR-22 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: Our Farmers car insurance review shows their commitment to round-the-clock SR-22 assistance for policyholders in Wisconsin.
• Forgiveness Programs: Accident forgiveness options for Wisconsin SR-22 insurance policyholders.

Cons

• Limited Discounts: Fewer SR-22 insurance savings opportunities compared to other Wisconsin providers.
• Regional Pricing: Higher SR-22 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 Wisconsin SR-22 policy customization options.
• RightTrack Program: Usage-based SR-22 insurance discounts through driving behavior monitoring in Wisconsin.
• Multi-Policy Benefits: Bundling options for Wisconsin SR-22 insurance with other coverage types.

Cons

• Higher Premiums: More expensive SR-22 insurance rates in Wisconsin urban areas.
• Complex Claims: Lengthy Wisconsin SR-22 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 Wisconsin SR-22 coverage options.
• Competitive Rates: The lowest Wisconsin SR-22 insurance minimum coverage is $16 monthly.
• Quality Service: Top-rated Wisconsin SR-22 insurance claims handling and customer support.

Cons

• Membership Restricted: SR-22 insurance is limited to military members and families in Wisconsin.
• Limited Offices: Minimal physical SR-22 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 for drivers in Wisconsin.
• IntelliDrive Program: Smart technology discounts for Wisconsin SR-22 insurance policyholders.
• Multiple Packages: Various Wisconsin SR-22 insurance coverage levels for different needs.

Cons

• Limited Availability: Restricted SR-22 insurance access in certain Wisconsin regions.
• Price Variations: Inconsistent SR-22 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 SR-22 insurance Wisconsin options for various violation types.
• Rate Lock Program: Stable Wisconsin SR-22 insurance premium options for qualified drivers.

Cons

• Geographic Limitations: SR-22 insurance coverage is restricted to specific Wisconsin areas.
• Qualification Requirements: Strict Wisconsin SR-22 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, 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 proves that you have insurance meant for those deemed high-risk. Your insurance company will handle the filing for you.

When comparing SR-22 insurance Wisconsin 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 SR-22 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 SR-22 insurance quotes in Wisconsin, you must 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 must be filed for three years, and it's important to keep your insurance active during that time. If you let your coverage lapse, you could lose your license and face extra penalties. To find the most competitive SR-22 insurance Milwaukee rates, it's recommended that you compare quotes from multiple insurers.

Wisconsin SR-22 Insurance Market Analysis

Knowing how SR-22 insurance works in Wisconsin is important for understanding how much it will cost and what’s required. Let’s break down some of the most important metrics that affect your SR-22 insurance across the state.

Claim Type	Portion of Claims	Cost per Claim
Rear-end Collision	35%	$5000
Intersection Accident	25%	$4200
Parked Vehicle Damage	15%	$2800
Single Vehicle Accident	15%	$6500
Theft	10%	$7000

When you’re looking to get SR-22 insurance in Wisconsin, knowing how the provider performed on key metrics in their market can help you make sure that they’ll still be there when you need them.

Category	Grade	Explanation
Overall Affordability	A	Wisconsin’s premiums are below the national avg.
Customer Satisfaction	A	High satisfaction ratings across major providers
Claims Processing Speed	B	Generally quick but varies by provider
Available Discounts	B	Variety of discounts offered by major insurers
Financial Strength	C	Some smaller providers have lower ratings

High-risk drivers should prioritize providers with strong financial ratings and comprehensive coverage options to maintain continuous SR-22 compliance and avoid potential coverage gaps. Where you are matters in SR-22 insurance. In the city, the numbers climb higher. More incidents mean higher premiums.

City	Accidents per Year	Claims per Year
Green Bay	900	700
Kenosha	750	600
Madison	1,500	1,200
Milwaukee	2,400	1,800

Wisconsin S-R22 insurance rates depend on claim history, provider reliability and location. The best thing to do is to search for stable insurers with continuous coverage options in their area.

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.

Discount Name	Grade	Savings	Participating Providers
Safe Driver Discount	A	20%	State Farm, Allstate, Progressive
Multi-Policy Discount	A	15%	State Farm, Geico, Nationwide
Good Student Discount	B	10%	Allstate, Liberty Mutual, Farmers
Defensive Driving Course	B	8%	Progressive, Nationwide, American Family
Early Signing Discount	C	5%	Geico, Travelers

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 70% more than those with clean records. (Read More: What Is Considered a Clean Driving Record?)

Bundlé and savé your way with the Personal Price Plan®. pic.twitter.com/Y5w8kZ5hxi

— 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 must 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. State Farm boasts the most local agent network for personalized service, American Family offers multiple discounts programs, including bundling and payment options, and Geico offers 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. USAA offers 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 to see how much you could save.