Estimates, not quotes

SR-22 insurance in Madison, WI

What an SR-22 costs in Madison, how Wisconsin handles the filing, and how long it lasts.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Madison

For comparison, a clean-record driver in their 30s pays about $405 for minimum coverage and $1,190 for full coverage in Madison by our estimate.

SR-22 insurance — estimated annual premium in Madison
SituationMinimum coverageFull coveragevs. clean record
After a speeding ticket$515$1,475+27%
After an at-fault accident$610$1,750+51%
After a DUI$770$2,225+90%

Wisconsin rules that apply

Wisconsin uses the SR-22. Your insurer files it electronically with the state; if the policy lapses, the insurer must notify the state, which can suspend your license again. Plan on keeping it for about 3 years. Drivers required to show proof of insurance must keep an SR-22 from a Wisconsin-licensed insurer on file with the DMV for three years.

Any policy you buy must meet Wisconsin's minimum of 25/50/10 liability coverage and uninsured motorist coverage.

All Wisconsin car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Madison

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Insurance offices in Madison

There are 52 insurance offices listed near Madison. See the full list with directions on the Madison car insurance page.

  • Leah Salter - American Family Insurance 3003 University Ave
  • State Farm
  • State Farm 222 West Washington Avenue
  • American Family Dream Bank - American Family Insurance
  • Matty Smith Agency LLC 821 E Washington Ave
  • Cha & Associates, Inc. 3821 Nakoma Rd
  • Meg Cano Schuman - State Farm 211 S Paterson St
  • Erie Insurance 6629 University Avenue
  • Neckerman Insurance Agency
  • Michael Donnelly - Allstate 6661 University Ave
  • American Family Insurance
  • Brian Kelly Agency, LLC 6700 University Ave

Frequently asked questions

How much does SR-22 insurance cost in Madison?

The SR-22 filing itself usually costs a small one-time fee; the real cost is the higher premium that follows the violation. We estimate about $770 a year for minimum coverage after a DUI in Madison, and $610 after an at-fault accident.

How long do you need an SR-22 in Wisconsin?

Typically about 3 years from the date required, but the court or DMV order sets the exact period. Drivers required to show proof of insurance must keep an SR-22 from a Wisconsin-licensed insurer on file with the DMV for three years.

Can I get SR-22 insurance without a car?

Yes. A non-owner policy with an SR-22 filing covers you when you drive borrowed or rented vehicles and satisfies the filing requirement in most states that use SR-22.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page