Non owner SR22 insurance in Wisconsin
Non owner SR22 insurance Wisconsin drivers use includes liability coverage for people who own no car, along with an SR22 certificate that your insurer files with Wisconsin to show you have the minimum coverage. Wisconsin requires one when you reinstate following a revocation or certain suspensions. The filing lasts three years.
- 3 yearsThe SR22 filing period lasts this long, with the count starting on the date you can reinstate
- $60Fee to reinstate a driver license, or $200 for OWI-related cases
- 25/50/10Lowest liability limits, measured in thousands of dollars
- Operator's policy. The DMV accepts this box when the SR22 certificate shows it marked.
Call 833-958-5598A licensed agent sorts out the policy you need on the phone.
Wisconsin SR-22 details at a glance
| Item | Wisconsin |
|---|---|
| Form name | SR22 certificate |
| Who files | A Wisconsin-licensed insurer, usually electronically or by mail |
| Filing period | Three years from the date you qualify to reinstate |
| State reinstatement fee | $60, or $200 for OWI-related reinstatement |
| Occupational license fee | $50, or $40 when court ordered |
| Minimum limits | Per person $25,000; per accident $50,000; property damage $10,000 |
This overview of Wisconsin SR22 draws on figures published only by Wisconsin sources.
What causes Wisconsin to require an SR22
The proof of insurance page from Wisconsin DOT lists the cases. You need one for an occupational license while suspended or revoked, for reinstatement following a revocation, and for reinstatement after a damage judgment or uninsured motorist suspension. A driver younger than 18 may file one in place of having a sponsor.
One exception applies. The page states that a revocation needs no SR22 when the only cause was a first-offense OWI or non-compliance with the Driver Safety Plan.
Wisconsin filing period and state fees
Keep the insurance on file for three years, with the count beginning on the date of your eligibility to reinstate, as that page states. Your policy purchase day does not set the start; that date does.
The DOT fee schedule lists $60 for reinstatement and $200 for reinstatement following an OWI-related revocation or suspension involving violations from July 1, 2010 onward. The cost of an occupational license is $50, or $40 if the court orders one. The fee schedule does not show a separate state charge for filing the SR22. It is worth asking your insurer about its own charge.
Who submits the SR22, and what details does it need?
Purchase the SR22 from an insurer that holds a license to do business in Wisconsin. The DMV receives it. Filing by electronic means or mail is the norm for most insurers, and the record normally updates in one to two working days. When your insurer declines to file it, you may send the certificate yourself by fax or email. An insurance summary cannot take its place at the DMV.
Wisconsin must appear as the state on the certificate, along with the insured's name, policy number, effective dates, and an authorized representative's signature.
Is a non-owner policy accepted in Wisconsin for an SR22?
Two options for showing the right coverage on a certificate appear on the DOT page. Either mark the owner's and operator's policy boxes or include this statement: "All owned and non-owned (vehicles)". A certificate that says "all owned and non-owned automobiles" will not be accepted.
Because an operator's policy follows the driver instead of a car, it fits drivers who own none. For one injured person, the minimum is $25,000; for more than one, $50,000; property damage coverage is $10,000. For these limits, see Wisconsin Statutes 344.33 and the DOT vehicle insurance page.
What if you want to end the policy early?
The DOT page describes one case. During the three years, if you choose to stop carrying the SR22 and driving in Wisconsin, turn in your license to the DMV before canceling the policy. This order prevents extra fees.
Wisconsin's DMV names no other effects of a lapse, so check with the DMV about its requirements before you cancel or switch insurers.
Wisconsin SR22 insurance questions for non owners
Without a car of my own, can I still get an SR22 in Wisconsin?
The DMV accepts either a certificate showing the operator's policy box checked or one stating "All owned and non-owned (vehicles)". For drivers with no car, ask your insurer whether it can issue this certificate.
How many years does an SR22 requirement last in Wisconsin?
The DMV page says the filing lasts three years, starting when you become eligible to reinstate.
What is the cost to reinstate in Wisconsin?
According to the fee schedule, driver license reinstatement costs $60, and OWI-related reinstatement costs $200.
Talk it over with a licensed agent
A licensed agent takes your call, goes through your situation for free, and gets the right policy quoted right away.
Call 833-958-5598