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Wisconsin Non Owner SR22 Insurance

Non owner SR22 insurance in Wisconsin is required if you need to file a financial responsibility proof with the state but don't own a car. The policy is very similar to a standard auto insurance policy except the vehicle is assumed to be a car that is not owned by the driver. In most cases this is someone who had a traffic citation or license suspension and still needs the ability to drive. If you need non-owner SR22 insurance we can help you find the most affordable policy in Wisconsin just by comparing rates from multiple companies.

Policies for drivers that don't own a car will only include liability coverage since there is no vehicle to protect but the policy can still provide adequate coverage that the state requires. Check the requirements in WI for non-owner SR22 insurance below and get driving today.

Wisconsin SR22 Insurance Requirements

Non owner SR22 insurance requirements in Wisconsin are the same as if you own a car. The driver must insure they have proper protection in terms of liability coverage which is shown here:

Bodily Injury Per Person Bodily Injury Per Occurrence Property Damage
$50,000 $100,000 $15,000

It is a good idea to see what the insurance company or agent recommends given your financial situation. For example if you have a net worth higher than the lowest required amounts you may be putting yourself at risk in the event of a lawsuit. Higher liability limits are available even if you don't own a car in Wisconsin. There may be other coverage options available such as medical payments coverage which could come in useful.

How much is non-owner SR22 insurance in Wisconsin?

Each company will charge a different rate so make sure you compare rates from at least 3 insurance companies. Non owner SR22 insurance does cost less if you don't own a car because you don't need to insure a specific vehicle but the policies are still expensive due to the nature of why you need to file the SR22. Most drivers need to file an SR22 due to a traffic violation such as driving under the influence of alcohol.

Compare SR22 Insurance Rates:  

Once you click get quotes multiple companies will be listed to start comparing rates instantly. You will need to complete a simple application to view quotes but it only takes a couple minutes for each company. Expect to pay a filing fee with most insurers of $25 to $50 depending on the case.

SR22 Insurance FAQs

Can I get SR22 Insurance without a vehicle?

Yes, in fact this can often be the most cost effective way to get SR-22 insurance. If you don't own a vehicle you can ask for a non owner auto insurance policy which is explained below. 

What is an SR22 filing?

SR22 Auto Insurance is simply proof of liability insurance for the state. This certificate proves that the driver carries liability insurance that meets the state minimum requirement. The SR-22 form is submitted to the state from the insurance company and they will notify if the policy is cancelled.

How long do I need an SR22?

Many states require you to carry an SR22 from 3 to 5 years depending the type of violation. If you cancel the SR22 during the probation period you will need to start over.

What is a non-owner auto insurance policy?

If you don't own a vehicle and still need to carry liability insurance you can start a non-owner policy. Many drivers who need to file an SR22 form don't have a vehicle so they would need a non-owner SR22 insurance policy. This policy allows you to drive any car with at least state minimum liability limits.