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An SR-22 certification from an auto insurance company provides proof of insurance for high-risk drivers. You might need SR-22 insurance in Wisconsin if you have a history of hit-and-run accidents, driving without insurance, driving under the influence (DUI), or other major offenses. When you regain driving privileges and purchase auto insurance, you pay a fee for the insurance company to send this certificate to the state on your behalf.
How to Get Wisconsin SR-22 Insurance
You can request an SR-22 proof of insurance certificate from your current insurance company and look for a new provider. The certificate shows you carry at least the minimum required insurance policies in Wisconsin:
- $25,000 per person and $50,000 per accident for bodily injury liability.
- $10,000 per accident for property damage liability.
- $25,000 per person and $50,000 per accident for uninsured motorist coverage.
ValuePenguin notes you will also have to pay a fee of $15 to $50 for the insurance company to send the SR-22 to the state’s Department of Transportation (DOT). Upon receipt, you can reinstate your driving privileges if you have met all the other DOT requirements in your case. If you do not get an SR-22 when the state orders you to do so, the DOT will suspend your vehicle registration.
You can often save on SR-22 insurance by shopping for quotes from several providers. You can make this process easier by gathering the required information in advance, including your Social Security number and your car’s vehicle identification number, mileage, make, and model year. You should also provide detailed information about your driving history. The insurance provider will check your motor vehicle records before writing your policy.
Cost of Wisconsin SR-22 Insurance
According to auto insurance website The Zebra, the amount your insurance will increase depends on the severity of the SR-22 violation. The site reports these average annual rate increases for common driving issues:
- Speeding ticket: $403.
- Driving while intoxicated (DWI): $442.
- At-fault accident with damages of more than $2000: $520.
- Reckless driving ticket: $552.
- Hit-and-run accident: $589.
- Racing ticket: $589.
Clearsurance reports that rates increase by at least 50 percent for Wisconsin drivers who get a DWI. In addition to the cost increase associated with the violation, policyholders lose existing good driver discounts. The website gathered these average annual rates by Wisconsin insurance provider for drivers with one DWI:
- AAA: $4238.
- Acuity: $1768.
- Allstate: $1240.
- American Family: $1430.
- Erie: $1041.
- Farmers: $1291.
- GEICO: $1385.
- Progressive: $1190.
- Travelers: $1306.
- Safeco: $1136.
- State Farm: $1171.
- USAA: $1218.
The site used a sample profile of a 35-year-old Wisconsin driver with one DUI and full coverage on a 2015 Toyota Highlander.
ValuePenguin found these average annual SR-22 insurance rates for a 30-year-old male sample driver with one Wisconsin DUI:
- Allstate: $1073.
- American Family: $575.
- Artisan and Truckers: $801.
- Auto-Owners: $2060.
- Erie: $449.
- GEICO: $1002.
- State Farm: $633.
- USAA: $429.
While USAA often offers the most affordable policy rates, the company only serves members of the military, veterans, and their families.
Most Affordable Wisconsin SR-22 Insurance
According to the finance website MoneyGeek, USAA has the most affordable average SR-22 policy for Wisconsin drivers. Although the firm charges an annual rate of about $360, it only writes policies for military members, veterans, and their families. If you do not qualify, consider a policy with State Farm for an average rate of about $411 per year with a past DUI.
MoneyGeek also recommends seeking non-owner insurance if you want to keep your driving privileges with an SR-22 but do not own a vehicle. The site reports these average annual rates by company for non-owner auto insurance in Wisconsin:
- GEICO: $280.
- Nationwide: $845.
- State Farm: $379.
- Travelers: $403.
- USAA: $180.
You can also check rates from providers offering the cheapest overall insurance policies for Wisconsin drivers. According to Bankrate, your best bets for affordable rates include Erie, GEICO, Progressive, State Farm, and USAA. The website also makes these recommendations for drivers who want to save on insurance coverage:
- Take steps to raise your credit score. Pay down the balances on your credit cards and avoid paying bills late.
- Choose higher deductibles if you have comprehensive and collision coverage. This increases the amount you have to pay if you file a claim but decreases your premium.
- Enroll in a driver education course such as defensive driving. Some companies offer discounts for completing this type of class.
- Ask about discounts for insuring multiple vehicles. You can also save by bundling your home and auto policies.
While Wisconsin requires SR-22 insurance after a serious driving violation, you also need to provide proof of insurance or financial responsibility if you want to get a driver’s license before age 18. Fortunately, Wisconsin is one of the most affordable U.S. states for auto insurance.
Bankrate reports that drivers who live in Wisconsin pay an average of $332 per year for minimum coverage and $1186 a year for full coverage, compared to the U.S. averages of $565 for minimum coverage and $1674 for full coverage. These averages are based on sample quotes for 40-year-old drivers who have good driving records, good credit history, and full coverage on a 2019 Toyota Camry.
Bankrate has also ranked the best insurance companies in Wisconsin based on financial strength, cost, claims satisfaction, and customer ratings. Based on these factors, the site recommends Auto-Owners, Allstate, GEICO, Travelers Insurance, and USAA for Wisconsin drivers who need coverage.
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