An operating while intoxicated (OWI) conviction in Wisconsin often affects more than your driving record. Your insurer may treat you as a high-risk driver, raise your premium or decline to renew your policy. You might also need an SR-22 certificate before you regain full or limited driving rights. These consequences could last for years, so it helps to know what to expect.
What is an SR-22 certificate?
An SR-22 is a certificate your insurer submits to the Wisconsin Division of Motor Vehicles (DMV) to prove that you carry the required liability coverage. You might need an SR-22 to restore your driving privileges after a revocation. The DMV also requires one when you apply for an occupational license after a suspension or revocation.
To obtain an SR-22, contact an insurer licensed to do business in Wisconsin. The insurer sends the filing to the DMV.
You do not need an SR-22 to reinstate your regular driver’s license after a standard first-offense OWI revocation. However, you must file an SR-22 to obtain an occupational license during your revocation period.
If you are a first offender, you only need to maintain the certificate while your temporary occupational license is active. If you’re a repeat offender, you need to keep this certificate on file for three years from your reinstatement eligibility date.
A lapsed or canceled policy may lead to another suspension. You need to pay premiums on time and confirm that the filing stays active.
How much might your rates increase?
An OWI conviction often causes a sharp rate increase. Depending on your insurer and overall risk profile, car insurance premiums may rise by an average of 37% to 65% following a first-time OWI conviction. Severe or repeat offenses can trigger significantly higher risk ratings.
The exact change depends on how each company rates risk, and quotes may vary widely. Insurers typically maintain these higher rates for three to five years. Comparing several carriers may help you find a lower rate for similar coverage.
Planning for the added cost
After an OWI, you may need to review your DMV requirements, track all filing dates and avoid any break in coverage. Shopping among several insurers might reduce the financial strain, even when every quote is higher than before. A clear grasp of OWI rules helps you prepare for license limits, reinstatement steps and higher insurance costs.
