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 long does an OWI affect insurance in Wisconsin?
An Operating While Intoxicated (OWI) conviction in Wisconsin can significantly impact your auto insurance rates. Insurance companies often view individuals with OWI convictions as high-risk drivers, leading to increased premiums. Here's what you need to know:
1. Duration of Increased Insurance Rates
- SR-22 Requirement: In Wisconsin, following an OWI conviction, you are typically required to file an SR-22 form, which serves as proof of financial responsibility. This requirement usually lasts for three years.
- Premium Increases: While the SR-22 filing period is three years, the impact on your insurance premiums may extend beyond this timeframe. It's common for insurance companies to maintain elevated rates for up to five years after an OWI conviction.
2. Factors Influencing Insurance Premiums
- Loss of Discounts: Post-OWI conviction, you may lose any safe driver discounts, leading to higher premiums.
- High-Risk Status: Insurance providers may categorize you as a high-risk driver, which can further increase your rates. In some cases, insurers might even choose to cancel your policy.
3. Mitigating Increased Insurance Costs
- Legal Defense: The most effective way to prevent insurance rate hikes is to avoid an OWI conviction altogether. Engaging an experienced OWI defense attorney can help you explore options to reduce or dismiss the charges.
- Alternative Transportation: If avoiding a conviction isn't possible, consider using alternative transportation methods during the SR-22 filing period to potentially reduce insurance costs.
Conclusion
An OWI conviction in Wisconsin can lead to increased auto insurance premiums for a period ranging from three to five years, influenced by factors such as the SR-22 requirement and insurance company policies. To mitigate these effects, it's advisable to consult with a knowledgeable OWI defense attorney who can guide you through the legal process and help protect your financial interests.
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.
Real Case Success: Attorney Stangl’s Consecutive OWI Victories
Attorney Patrick Stangl recently achieved three consecutive OWI dismissals in a single month by effectively challenging probable cause and procedural missteps in each case. For instance, in one case, he successfully argued against a prior conviction that had not honored his client’s right to counsel. In another, he demonstrated that the arresting officer lacked sufficient reason for the arrest, leading the court to dismiss the charges.

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.