You are not required to answer potentially incriminating questions. Politely say, “I would like to speak with an attorney before I answer any questions.” This is an appropriate reply, although you are not entitled to counsel during a roadside stop unless you are in custody and questioned. Saying that you had one or two beers is not incriminating, is not sufficient to cause intoxication, and may explain the odor of alcohol on the breath.
How does an OWI affect my car insurance rates in Wisconsin?
An Operating While Intoxicated (OWI) conviction in Wisconsin can significantly impact your car insurance rates, leading to substantial financial consequences.
1. SR22 Requirement
Following an OWI conviction, Wisconsin mandates that you obtain an SR22 certificate to reinstate your driving privileges. Despite common misconceptions, an SR22 is not insurance itself but a certificate filed by your insurance provider with the Wisconsin Department of Motor Vehicles (DMV) to confirm that you carry the state's minimum required auto insurance coverage. This requirement typically lasts for five years. If your policy lapses during this period, your insurer will file an SR26, leading to the suspension of your license until a new SR22 is filed.
2. Increased Insurance Premiums
An OWI conviction classifies you as a high-risk driver, which can cause your insurance premiums to rise significantly. While exact figures vary based on individual circumstances and insurance providers, it's not uncommon for premiums to increase by up to $5,000 more per year. Additionally, any safe driver discounts you previously enjoyed will likely be revoked. In severe cases, insurers may choose to cancel your policy altogether.
3. Duration of Increased Rates
The elevated insurance rates resulting from an OWI conviction can persist for an extended period. In Wisconsin, you are required to maintain an SR22 for at least three years after your conviction. However, the impact on your insurance premiums may last longer, with higher rates potentially affecting you for up to five years post-conviction.
Mitigating the Impact
To lessen the financial burden of increased insurance premiums after an OWI conviction, consider the following steps:
- Shop Around: Different insurance companies assess risk differently. Obtaining quotes from multiple providers may help you find more affordable coverage.
- Maintain a Clean Record: Avoiding further traffic violations can gradually improve your driving record, potentially leading to lower premiums over time.
- Complete Recommended Programs: Participating in alcohol and other drug assessments (AODA) and completing any recommended treatment programs may demonstrate responsible behavior to insurers.
Given the complexities and long-term implications of an OWI conviction on your insurance and overall financial well-being, it's advisable to consult with an experienced OWI defense attorney. Legal representation can help you navigate the legal process, potentially mitigate charges, and minimize the impact on your driving record and insurance rates.
Get a Free Legal Consultation
If you’re facing an OWI charge, a knowledgeable attorney can help explore potential defenses. For a no-cost, 10-minute consultation with Madison-based OWI attorney Patrick Stangl, contact Stangl Law Offices to discuss your case and options for achieving the best possible outcome.
Madison OWI Attorney Patrick J. Stangl, is committed to exploring options for your best defense and has defended clients across the state since 1991. To this end, he is pleased to offer a FREE 10-minute consultation at no obligation to discuss the specifics of your case and take the first step in putting this stressful time behind you.
Being charged with a crime in Wisconsin can be an intimidating, scary, and ultimately life-changing event. If you hire Attorney Stangl to defend your criminal case, he can:
- Review the case for defects
- Potentially move for the suppression of evidence
- Compel the discovery of evidence to support your innocence
Fill out the form to request your FREE 10-minute consultation at no obligation right away.

Attorney Patrick Stangl
Nationally recognized for excellence, Wisconsin Criminal Defense Attorney Patrick J. Stangl has been practicing law in the Badger State since 1991. While his expertise spans the breadth of criminal law, Attorney Stangl is well-known for his impressive record as a Wisconsin OWI attorney, defending all types of drunk driving and driving under the influence charges such as OWI, DUI, DWI, BAC, PAC, and more.