Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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What Is Wisconsin SR-22 Insurance?

A Wisconsin SR-22 insurance form proves that a driver is financially responsible for carrying at least the state mandated minimum amount of liability car insurance coverage. A Wisconsin SR-22 auto insurance form should prove that the driver carries at least the state minimum amount of liability coverage: $25,000 per person in an accident, $50,000 for more than one person injured in an accident, and $10,000 in property damage. The state does not notify the driver that they need to file a Wisconsin SR-22 auto insurance form, and the driver must ask their insurance company to file. The driver’s car insurance policy holder is then responsible for filing and maintaining the SR-22 form with the state of Wisconsin.

Six major factors affect car insurance rates in Wisconsin. Which auto insurance factors will affect SR-22 rates the most? Typically that’s a WI DUI conviction.

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Who Needs a Wisconsin SR-22 Insurance Form?

In Wisconsin, SR-22 car insurance forms need to be filed by drivers who are convicted of serious moving violations like reckless driving or operating a motor vehicle while intoxicated (OWI). A driver is also required to file an SR-22 form if they refuse to submit to an alcohol intoxication test when they are pulled over. Drivers who are pulled over for driving without car insurance are also required to file a WI SR-22 auto insurance form.

Are There Different Types of Wisconsin SR-22 Forms?

There are three main types of Wisconsin SR-22 car insurance forms: Operator’s Certificate, Owner’s Certificate and the Owners-Operators Certificate. The Operator’s Certificate SR-22 form covers drivers who do not own a vehicle. The Owner’s Certificate SR-22 form in Wisconsin proves the financial responsibility for vehicles that the driver actually owns, and the Operators-Owners Certificate covers all the vehicles that the driver drives, whether or not they own the vehicle.

How Do I File a Wisconsin SR-22 Car Insurance Form?

The driver must ask their car insurance policy holder to file an SR-22 insurance form with the Wisconsin Secretary of State. The driver’s insurance company may charge a processing fee for filing an SR22, but this fee might be included in the insurance premium. Drivers worried about finding low cost Wisconsin SR-22 car insurance should start by entering their information for a free online car insurance quote.