Wisconsin Non Owner SR22 Insurance

Wisconsin Non Owner SR22 Insurance

The State of Wisconsin requires certain drivers to file an SR22 form (SR22 insurance) with the Department of Transportation. You will need to file an SR22 form if your driver’s license has been revoked (e.g., subsequent OWI); your vehicle registration has been revoked; you are applying for an occupational license; your driver’s license has been suspended for a damage judgment; your driver’s license has been suspended for violating the safety responsibility law; or if you are under 18 and you do not have a sponsor.

(Please note that, unlike many other states, Wisconsin does not require first time OWI offenders to file an SR22 form.)

If you have an SR22 requirement, and you do not own or have regular access to a vehicle that you can drive, you can purchase non-owner SR22 insurance and file a non-owner SR22 form.

Limitations of Wisconsin Non Owner SR22 Insurance

  • It covers only vehicles not owned by the policyholder that may be driven on an occasional basis
  • It is liability only insurance; comprehensive or collision coverage cannot be added
  • It does not cover household vehicles
  • It does not cover rental or commercial vehicles

How Long Do I Need To Maintain Wisconsin Non Owner SR22 Insurance? Wisconsin typically requires drivers to carry SR22 insurance without lapse, expiration or cancellation for three to five years. If a driver registers a vehicle in their name during the time they are required to carry SR22 insurance, they will need to switch to a Wisconsin SR22 owner policy.