Wisconsin Occupational License Insurance & SR-22 Filing
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
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Wisconsin 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
$60
State license reinstatement fee, about 2 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wisconsin
Wisconsin operates as a tort state, meaning the at-fault driver's liability coverage pays for damages in an accident. Proof of financial responsibility is mandatory, and SR-22 filing is required for occupational license approval after DUI, reckless driving, or multiple moving violations. The Wisconsin Department of Transportation (WisDOT) manages occupational license applications through an administrative DMV process, not a hardship hearing. Violation of occupational license restrictions results in immediate revocation and extension of the underlying suspension period.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Non-Owner SR-22
Non-Standard Auto Insurance
What Drivers Pay in Wisconsin
$161–$266/mo
Typical monthly rate in Wisconsin, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Occupational license restricted to work-only purposes costs less than work + medical + childcare approval, as additional approved routes increase rated mileage exposure.
Get Insured for the Drive to Work
Keep Driving to WorkIf your license is suspended
Occupational License (Occupational Operator License)
application fee $50, about 0 days to process.
A coverage lapse is reported
The state acts on a lapse after 0 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does Wisconsin require SR-22 filing for an occupational license?
Wisconsin requires SR-22 filing for 3 years from the conviction date for DUI, refusal, or major violations. The 3-year period does not start when you obtain the occupational license — it runs from the original conviction date. Any lapse in coverage during those 3 years restarts the SR-22 clock from zero and suspends your occupational license immediately.
Which insurance carriers write occupational license SR-22 policies in Wisconsin?
Dairyland, Direct Auto, Bristol West, The General, GAINSCO, and Progressive's non-standard division write most Wisconsin occupational license SR-22 policies. Standard carriers like State Farm and Allstate typically decline SR-22 filings outright or do not offer occupational license endorsements. Premiums from non-standard carriers run 2–4 times higher than standard market rates, and most require 6-month prepayment or high monthly installment fees.
Coverage Types
SR-22 Insurance
Certificate of financial responsibility filed electronically by your carrier to WisDOT, required for occupational license approval and maintained for 3 years after DUI or major violations.
Non-Owner SR-22
Liability-only policy for drivers who do not own a vehicle but need SR-22 filing to maintain occupational license and legal driving status.
Non-Standard Auto Insurance
High-risk coverage from carriers specializing in DUI, suspended license, and multiple-violation drivers after standard carriers decline to write policies.
Liability Insurance
Covers bodily injury and property damage you cause to others in an accident, required at 25/50/10 minimums for all Wisconsin occupational licenses.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an at-fault driver has no insurance or insufficient coverage to pay your damages.