What is Non-Owner SR-22 Insurance in Wisconsin?
An SR-22 is a certificate of financial responsibility filed with insurers by drivers who have had their driving privileges suspended. The certificate is required by many states as a condition for license reinstatement following a DUI conviction. Wisconsin is one of these states.
An SR-22 filing not only keeps you from losing your license, but it also helps you maintain affordable car insurance rates. Because SR-22 filings are considered high-risk, many insurers charge more to drivers who have one on their record. In addition, premiums are much higher for driver’s who also have a DUI or an OWI conviction on their driving record.
However, not all insurers charge the same penalties for drivers with these types of convictions. Some offer cheaper car insurance quotes for drivers who have a non-owner SR-22 filing. But, not every insurer offers this coverage and other insurers charge even more for non-owner SR-22 insurance in Wisconsin.
Before shopping for car insurance in Wisconsin, it’s important to understand what a non-owner SR-22 is and how it impacts your driving privileges and your rates. That way, you can find the right coverage for your needs at the best rate possible.
Who Needs Wisconsin Non-Owner SR-22 Insurance Coverage?
Non-owner SR-22 insurance in Wisconsin is issued by auto insurance companies that specialize in high-risk car insurance policies.
If you have a DUI or an OWI conviction on your driving record, you likely can’t afford to pay the high rates that most insurers charge for standard car insurance. But, with a non-owner SR-22 policy, you can still maintain coverage for your vehicle and still maintain affordable car insurance rates.
So, if you’ve been convicted of DUI or an OWI offense in Wisconsin, but you don’t have an SR-22 filing on your car, you may qualify for non-owner sr22 insurance in Wisconsin.
To get coverage for your vehicle, you’ll need to purchase an SR-22 insurance policy from an auto insurer that specializes in high-risk insurance. Then, you’ll need to file an SR-22 form with the DMV (or your insurer) to prove you have coverage. After you’ve filed the form and paid for the required fee, you’ll be able to drive your vehicle legally.
How much does Non-Owner SR-22 insurance cost in Wisconsin?
A non-owner SR-22 filing costs more than a driver’s regular insurance policy. Typically, it costs about $63 a year–but that expense could vary widely depending on your driving record. While the exact cost of a non-owner SR-22 depends on many factors, the average cost is between $50 and $100 per year.
However, some insurance companies offer cheaper rates for drivers who have an SR-22 on file. These companies charge less than $45 per year for non-owner SR-22 insurance in Wisconsin.
Which Wisconsin Insurance Companies Offer the Cheapest Non owner SR-22 Insurance?
Because the cost of non-owner SR-22 insurance in Wisconsin varies widely depending on the insurer, it pays to shop around and compare quotes before buying a policy.
However, if you’re looking for the cheapest rates on non-owner sr22 insurance in Wisconsin, a good place to start is with SafeAuto. SafeAuto offers affordable coverage for all types of drivers including high-risk drivers and drivers with a DUI or OWI conviction on their record. SafeAuto even offers a price match guarantee so you can always get the coverage you need at the best price possible.
Finding Affordable SR-22 Insurance in Wisconsin
Finding cheap car insurance with an SR-22 filing requires patience and perseverance. However, you don’t have to do it alone. At SafeAuto, we can help you get the coverage you need at affordable rates.
We can help you find the right car insurance coverage for you, whether or not you have an SR-22 filing. And, our auto insurance quotes are free and you’ll get matched with the best rates available in your area.
Wisconsin OWI and DUI Convictions
It’s important to note that a DUI and an OWI conviction on your driving record can disqualify you from being able to buy non-owner sr22 insurance in Wisconsin. This also applies to any points on your driving record that result in a suspension or revocation of your driver’s license.
However, if you have a conviction for a traffic violation other than DUI or OWI, you may be able to buy non-owner sr22 insurance in Wisconsin. To find out for sure, contact your insurance company and ask them about getting an SR-22 insurance policy for you.