SR-22 Insurance in Wisconsin
When Wisconsin requires an SR-22 (or similar) certificate of insurance, how long you must keep it, and what happens if it lapses.
Short answer: Wisconsin requires proof of financial responsibility for the future (a certification of insurance such as an SR-22, a bond, or a deposit of money or securities) in situations set out in chapter 344, at 25/50/10 limits. Wis. Stat. §§ 344.01(2)(d), 344.30-344.41
| SR-22 filing | Wisconsin requires proof of financial responsibility for the future (a certification of insurance such as an SR-22, a bond, or a deposit of money or securities) in situations set out in chapter 344, at 25/50/10 limits. The Department of Transportation consents to canceling the proof once the required period has expired, or if the person dies, becomes permanently unable to drive, or surrenders the license. The length of the required period was not confirmed in the sections read. |
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| Driving without insurance | Driving without required liability insurance carries a forfeiture of up to $500. Failing to carry proof of insurance carries a $10 forfeiture, and the charge is dismissed if the driver shows the court or the officer's office that coverage was in effect when cited. Providing fraudulent or false proof of insurance carries a forfeiture of up to $5,000. Source: Wis. Stat. § 344.65 |
More Wisconsin car insurance & vehicle laws
- Minimum Car Insurance in Wisconsin
- Driving Without Insurance in Wisconsin
- When a Car Is a Total Loss in Wisconsin
- Transferring a Car Title in Wisconsin
- All Wisconsin car insurance & vehicle laws rules
FAQ
When do you need an SR-22 in Wisconsin, and for how long?
Wisconsin requires proof of financial responsibility for the future (a certification of insurance such as an SR-22, a bond, or a deposit of money or securities) in situations set out in chapter 344, at 25/50/10 limits. The Department of Transportation consents to canceling the proof once the required period has expired, or if the person dies, becomes permanently unable to drive, or surrenders the license.
What is the penalty for driving without insurance in Wisconsin?
Driving without required liability insurance carries a forfeiture of up to $500. Failing to carry proof of insurance carries a $10 forfeiture, and the charge is dismissed if the driver shows the court or the officer's office that coverage was in effect when cited. Providing fraudulent or false proof of insurance carries a forfeiture of up to $5,000.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.