Wisconsin SR-22 & Points Coverage After Violations
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
Find Coverage with Points on Your LicenseWisconsin at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wisconsin
SR-22 certificate filing is required for specific high-risk violations including DUI, reckless driving, accumulating excessive points, or driving uninsured, and typically remains in effect for 3 years. Most standard point violations from speeding tickets or at-fault accidents do not trigger SR-22 requirements, but will affect insurance rates. Wisconsin uses a point system where 12 points in 12 months results in license suspension.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
What Drivers Pay in Wisconsin
$210–$281/mo
Typical monthly rate in Wisconsin, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Number of active points on license — Wisconsin's 12-point suspension threshold makes multiple violations especially expensive
- Time since violation — rates begin to decrease after 3 years as points expire and violations age off
- Carrier type — non-standard insurers may charge higher base rates but accept violations standard carriers will not
- Coverage level selected — full coverage costs significantly more than liability-only but protects vehicle equity
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others in an at-fault accident. Wisconsin's 25/50/10 minimums are rarely enough to cover serious accidents — a single ER visit can exceed $25,000.
Full Coverage
Combines liability, collision, and comprehensive to protect both your liability exposure and your vehicle's value. Mandatory if you have a car loan or lease, advisable for vehicles worth over $5,000.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Wisconsin DOT proving continuous coverage. Required for 3 years after DUI, reckless driving, uninsured operation, or license suspension.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers with violations, points, DUI, or SR-22 requirements. Often the only option after standard carriers decline or quote unaffordable rates.
Uninsured Motorist Coverage
Pays your medical bills, lost wages, and vehicle damage if you're hit by a driver with no insurance or insufficient limits. Optional in Wisconsin but covers a significant gap.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Subject to your chosen deductible, typically $500–$1,000.