Question 1

What does non-owner car insurance cover in Wisconsin?

Accepted Answer

A Wisconsin non-owner policy covers bodily injury and property damage liability when you're at fault while driving a borrowed, rented, or shared vehicle, carrying at least the state's 25/50/25 minimum. It also includes uninsured motorist coverage, which Wisconsin requires on all liability policies. It does not cover physical damage to the car you're driving, because you own no vehicle — collision and comprehensive never apply to a non-owner policy.

Question 2

Can I get an SR-22 without owning a car in Wisconsin?

Accepted Answer

Yes — a non-owner SR-22 policy satisfies Wisconsin's filing requirement without owning a vehicle. Carriers like Dairyland, GAINSCO, Geico, Progressive, State Farm, The General, and USAA write non-owner policies in Wisconsin and file electronically with WisDOT. Wisconsin typically requires SR-22 filing for 3 years after OWI-related reinstatements, and the clock resets if coverage lapses.

Question 3

Which carriers write non-owner insurance in Wisconsin?

Accepted Answer

Dairyland, GAINSCO, Geico, Progressive, The General, and USAA write non-owner policies in Wisconsin. Among these, all except USAA also write non-owner SR-22 for drivers who need a filing. Not every carrier writing standard auto in Wisconsin offers non-owner coverage, so availability is narrower than for vehicle owners.

Question 4

How much does non-owner insurance cost in Wisconsin?

Accepted Answer

Non-owner premiums in Wisconsin depend on your driving record, whether you need an SR-22 filing, and the coverage limits you select. A clean-record driver maintaining continuous coverage between vehicles pays less than a driver filing a non-owner SR-22 after an OWI revocation. The liability-only structure keeps non-owner policies less expensive than standard auto coverage, but the filing requirement and violation history add significant cost.

Question 5

Does Wisconsin require uninsured motorist coverage on non-owner policies?

Accepted Answer

Yes — Wisconsin law mandates uninsured motorist coverage on every auto liability policy, including non-owner. This protects you when an at-fault driver has no insurance or insufficient limits, and it follows you across any vehicle you drive. You cannot waive UM coverage on a Wisconsin non-owner policy.

Question 6

Can I use a non-owner policy to get a Wisconsin Occupational License?

Accepted Answer

Yes — a non-owner SR-22 policy satisfies the insurance requirement for a Wisconsin Occupational License when you don't own a vehicle. The court grants the Occupational License order, you obtain a non-owner SR-22 policy from a carrier that files in Wisconsin, and then you take the court order to the DMV to receive the physical license. SR-22 filing is mandatory for all Occupational License holders regardless of the suspension type.

Question 7

What happens if my non-owner SR-22 lapses in Wisconsin?

Accepted Answer

If your non-owner SR-22 lapses in Wisconsin, the carrier notifies WisDOT electronically, and your license is suspended immediately. The 3-year SR-22 filing period resets from the date you reinstate continuous coverage, meaning a lapse extends the total time you must maintain the filing. You'll also pay a $60 reinstatement fee to restore your license after the lapse.

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

Non-Owner Car Insurance — Wisconsin

Wisconsin Minimum Coverage

Get non-owner SR-22 coverage without owning a vehicle

Coverage Types

Non-Owner Liability Insurance

Non-Owner SR-22 Insurance

Uninsured Motorist Coverage

Non-Standard Auto Insurance

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