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Wisconsin Occupational License Insurance & SR-22 Filing

Wisconsin requires SR-22 filing with 25/50/10 liability minimums for occupational licenses after DUI or major violations. Approval takes 30–60 days through DMV administrative process. Monthly premiums with SR-22 typically run $180–$280 depending on violation history and county.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 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.

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25/50/10
Liability Insurance
Covers bodily injury and property damage you cause to others. Wisconsin requires $25,000 per person, $50,000 per accident for bodily injury, and $10,000 for property damage. A single moderate accident easily exceeds these minimums — one ambulance ride and ER visit can hit $15,000–$30,000. WisDOT requires continuous liability coverage throughout the occupational license period, with SR-22 electronic filing confirming coverage to the state.
Required for 3 years
SR-22 Insurance
SR-22 is a certificate filed electronically by your carrier to WisDOT proving you carry the state-required minimums. Wisconsin mandates SR-22 for occupational licenses, most DUI convictions, refusals, driving while suspended, and accumulating multiple violations. If your policy lapses or cancels, WisDOT receives automatic notification within 24 hours and your occupational license is suspended immediately. The 3-year filing period restarts with any lapse.
Not required
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an at-fault driver has no insurance. Wisconsin does not require UM coverage, but approximately 13% of Wisconsin drivers are uninsured, one of the highest rates in the Midwest. If you reject UM coverage, you must sign a written waiver at policy inception — verbal rejection does not count and most carriers automatically add the coverage if the form is not completed.
25/50/10
Non-Owner SR-22
Provides liability coverage when you drive but do not own a vehicle, common for occupational license holders who borrow employer vehicles, carpool, or use rideshare services. Non-owner SR-22 satisfies WisDOT's filing requirement and costs significantly less than standard policies — typically $50–$90/month. If you purchase a vehicle during the SR-22 period, you must convert to a standard policy within 30 days or WisDOT will suspend your occupational license.
Varies by carrier
Non-Standard Auto Insurance
Specialized coverage for drivers WisDOT classifies as high-risk due to DUI, multiple violations, or suspended license history. Standard carriers like State Farm or Progressive often decline SR-22 policies outright. Non-standard carriers including Dairyland, Direct Auto, Bristol West, and The General write occupational license policies in Wisconsin, though rates run 2–4 times higher than standard market rates and require 6-month paid-in-full or monthly installments with hefty service fees.
State-Mandated Minimum Coverage · Wisconsin

Wisconsin Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000

License Reinstatement Fee$60

Meeting the state minimum keeps you legal. See whether it's enough — get your Wisconsin quote.

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How Much Does Car Insurance Cost in Wisconsin?

Wisconsin SR-22 premiums are driven by violation type, county population density, and IID requirement. Milwaukee, Dane, and Brown counties run 20–35% higher than rural counties due to accident frequency and theft rates. DUI convictions with IID mandates add $75–$125/month in device costs on top of the insurance premium.

What Affects Your Rate

  • DUI conviction with BAC over 0.15% increases premiums 250–400% compared to first-offense standard BAC, and most carriers add mandatory IID endorsement cost.
  • Milwaukee County occupational license holders pay $40–$80/month more than Eau Claire or La Crosse County drivers due to higher accident and theft frequency.
  • Occupational license restricted to work-only purposes costs less than work + medical + childcare approval, as additional approved routes increase rated mileage exposure.
  • Drivers under 25 with SR-22 filing pay an additional 30–60% age surcharge on top of violation-based rate increases, and few carriers write policies for drivers under 21.
  • IID-required policies through non-standard carriers add $75–$125/month for device rental, calibration, and data reporting fees separate from the insurance premium.
  • Lapse in coverage during the 3-year SR-22 period restarts the filing clock from zero and triggers occupational license suspension, requiring new WisDOT application and $200 reinstatement fee.
Minimum Coverage
$180–$240/mo
Liability-only at 25/50/10 state minimums with SR-22 filing. Most non-standard carriers require 6-month prepayment, and missing a single payment triggers WisDOT notification within 24 hours.
Standard Coverage
$240–$310/mo
Liability at 50/100/25 limits with uninsured motorist and medical payments coverage. Covers one moderate accident without exhausting policy limits, critical in counties with high uninsured driver rates.
Full Coverage
$310–$480/mo
Comprehensive and collision added to liability and UM coverage. Required if you finance a vehicle, and protects you from total loss after hitting a deer — Wisconsin has the third-highest deer collision rate in the country at 1 in 72 drivers annually.

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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.

Find Your City in Wisconsin

Milwaukee, Wisconsin cityscape and street view

Milwaukee

urban
Madison, Wisconsin cityscape and street view

Madison

urban
Green Bay, Wisconsin cityscape and street view

Green Bay

suburban
Kenosha, Wisconsin cityscape and street view

Kenosha

suburban
Empty metal sign frame in golden field with suburban houses in background under cloudy sky

Racine

urban
Urban alley with glass pedestrian bridge connecting buildings overhead, surrounded by brick and concrete architecture

Appleton

urban
Rural countryside landscape with green fields, blue sky with white clouds, and a lone tree in the distance

Waukesha

suburban
Sunset over a flowing river with rocky terrain and trees silhouetted against a dramatic cloudy sky

Eau Claire

urban

Frequently Asked Questions

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