Occupational License Insurance — Wisconsin
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
Free to compare
Wisconsin at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
$60
State license reinstatement fee, about 2 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wisconsin
Wisconsin operates as a traditional tort liability state requiring continuous proof of insurance. The Wisconsin Department of Transportation mandates SR-22 filing for all Occupational License holders with underlying OWI suspensions. Wisconsin law permits Occupational License issuance only after showing proof of SR-22 filing, Ignition Interlock Device installation, and DOT administrative approval.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
Ignition Interlock Device Compliance Coverage
What Drivers Pay in Wisconsin
$161–$266/mo
Typical monthly rate in Wisconsin, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Occupational License holders must maintain continuous coverage with zero lapses — a single missed payment triggers immediate SR-22 cancellation notification to DOT and automatic license suspension.
Keep Your Work License Covered
Get My Occupational License Insurance QuoteIf your license is suspended
Occupational License (Occupational Operator License)
application fee $50, about 0 days to process.
A coverage lapse is reported
The state acts on a lapse after 0 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long does Wisconsin require SR-22 filing for an Occupational License?
Wisconsin DOT requires continuous SR-22 filing for 3 years after an OWI conviction. The 3-year period begins on the date your carrier files the SR-22, not the date of conviction or suspension. Any lapse in coverage during the 3-year period resets the clock and triggers immediate Occupational License suspension.
Can I get an Occupational License in Wisconsin without owning a car?
Yes. Wisconsin allows non-owner SR-22 policies for Occupational License applicants who don't own a vehicle. Non-owner policies provide liability coverage when driving employer vehicles, rentals, or borrowed cars, and include the required SR-22 certificate filed with Wisconsin DOT.
Does Wisconsin require Ignition Interlock Device for all Occupational Licenses?
Yes. Wisconsin law mandates IID installation for all Occupational License holders with OWI convictions. The device must remain installed for the court-ordered period — typically 12–24 months minimum. Most carriers require proof of IID installation before issuing SR-22, and you must notify your carrier if the device is removed or tampered with.
What happens if my SR-22 policy lapses while I hold a Wisconsin Occupational License?
Your carrier notifies Wisconsin DOT within 24 hours of any lapse or cancellation. DOT immediately suspends your Occupational License with no grace period. Reinstatement requires filing a new SR-22, paying a reinstatement fee, and restarting the 3-year SR-22 filing period from the new filing date.
Which Wisconsin carriers write SR-22 policies for Occupational License holders?
Progressive, GEICO, State Farm, and The General write SR-22 policies in Wisconsin. Some carriers restrict new policy issuance to Occupational License holders, while others write only non-owner SR-22. Rates vary significantly by carrier — quote at least three carriers to compare premiums and filing fees.
Coverage Types
SR-22 Insurance for Occupational License
SR-22 is the state-required certificate proving you carry Wisconsin's minimum liability coverage. Filed electronically by your carrier directly with the Wisconsin DOT.
Non-Owner SR-22
Provides liability coverage and SR-22 filing when you don't own a vehicle but need to maintain an Occupational License. Covers you when driving employer vehicles, rentals, or borrowed cars.
Ignition Interlock Insurance
Standard auto policy with carrier acknowledgment of IID installation. Most carriers require proof of IID installation before issuing SR-22 to Occupational License applicants.
Full Coverage with SR-22
Comprehensive and collision coverage added to liability and SR-22 filing. Protects your vehicle from theft, weather damage, vandalism, and accident damage regardless of fault.
Uninsured Motorist Coverage
Covers your medical bills and lost wages when hit by a driver with no insurance. Wisconsin carriers must offer UM coverage matching your liability limits.