Occupational License Insurance
Get a Quote

Occupational License Insurance — Wisconsin

Wisconsin requires SR-22 filing with 25/50/10 liability minimums for Occupational License approval after OWI suspension. Average monthly premium with SR-22 runs $145–$220 depending on violation history and coverage tier.

Compare Wisconsin Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Laptop computer on wooden desk with papers, coffee mug, and snack bowl - overhead workspace view
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant
Updated May 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.

Wisconsin cityscape and street view
$25,000 per person / $50,000 per accident
Bodily Injury Liability
Covers medical bills and lost wages when you injure others in an accident you cause. Wisconsin's 25/50 minimum covers less than one week of ICU care for a severe injury. SR-22 filing requires continuous coverage for the entire 3-year filing period — a single lapse triggers DOT notification within 24 hours and automatic Occupational License suspension.
$10,000
Property Damage Liability
Pays for damage to other vehicles and property when you're at fault. Wisconsin's $10,000 minimum is among the lowest in the country and insufficient for most multi-car accidents. If you total a $35,000 vehicle, you pay the remaining $25,000 out of pocket unless you carry higher limits.
Must match liability limits unless rejected in writing
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance. Wisconsin requires carriers to offer UM coverage matching your liability limits — if you carry 25/50/10 liability, you must be offered 25/50 UM. Rejection must be documented in writing at policy inception; verbal rejection is not valid and coverage is added automatically if the form isn't signed.
Continuous filing for 3 years
SR-22 Certificate of Financial Responsibility
Wisconsin DOT requires SR-22 filing for all Occupational License holders with OWI-related suspensions. The SR-22 is not a separate policy — it's a certificate your carrier files electronically with the DOT proving you carry at least 25/50/10 liability. If your policy lapses or cancels for any reason, the carrier notifies DOT within 24 hours and your Occupational License is suspended immediately with no grace period.
IID required for all OWI Occupational License approvals
Ignition Interlock Device Compliance Coverage
Wisconsin law mandates Ignition Interlock Device installation for all Occupational License holders with OWI convictions. The device must remain installed for the duration specified in your court order — 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 to avoid policy cancellation.
State-Mandated Minimum Coverage · Wisconsin

Wisconsin Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000

License Reinstatement Fee$60

Meeting the state minimum keeps you legal. See whether it's enough — get your Wisconsin quote.

Get your Wisconsin quote

How Much Does Car Insurance Cost in Wisconsin?

Wisconsin SR-22 rates reflect the state's strict OWI penalties and mandatory IID requirements. Carriers price Occupational License policies based on the underlying violation, prior insurance history, and length of suspension.

What Affects Your Rate

  • First-time OWI offenders in Wisconsin pay approximately 65–85% more than standard-rate drivers for the first 3 years after conviction.
  • Second or subsequent OWI convictions trigger assigned-risk pool placement in most cases, with premiums running 120–180% above standard rates.
  • Wisconsin DOT requires 3-year SR-22 filing for OWI-related Occupational License approvals — the filing fee itself is typically $25–$50, but the violation surcharge persists for the full 3-year period.
  • Milwaukee County drivers pay 15–25% more than rural Wisconsin counties due to higher theft and accident frequency.
  • IID installation costs $150–$300 upfront plus $75–$125 monthly monitoring fees for the duration of the court-ordered period.
  • 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.
Minimum Coverage
$145–$180/mo
Wisconsin 25/50/10 liability minimum with SR-22 filing. Does not cover your own vehicle damage or medical bills.
Standard Coverage
$185–$250/mo
100/300/50 liability limits with uninsured motorist coverage and SR-22. Provides meaningful protection without full collision coverage.
Full Coverage
$240–$340/mo
Comprehensive and collision coverage added to higher liability limits. Protects your own vehicle and covers damage from theft, weather, and accidents regardless of fault.

Compare car insurance rates in your state

Get quotes from licensed carriers — no obligation, no spam, results in minutes.

Get Your Free Quote
✓ No Obligation Required✓ Licensed Carriers Only✓ Available Nationwide✓ Free to Compare

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.

Find Your City in Wisconsin

Milwaukee, Wisconsin cityscape and street view

Milwaukee

urban
Madison, Wisconsin cityscape and street view

Madison

urban
Green Bay, Wisconsin cityscape and street view

Green Bay

suburban
Kenosha, Wisconsin cityscape and street view

Kenosha

suburban
Empty metal sign frame in golden field with suburban houses in background under cloudy sky

Racine

urban
Urban alley with glass pedestrian bridge connecting buildings overhead, surrounded by brick and concrete architecture

Appleton

urban
Rural countryside landscape with green fields, blue sky with white clouds, and a lone tree in the distance

Waukesha

suburban
Sunset over a flowing river with rocky terrain and trees silhouetted against a dramatic cloudy sky

Eau Claire

urban

Frequently Asked Questions

Get Your Free Quote in Wisconsin