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Auto Insurance Requirements In Wisconsin

Wisconsin Auto Insurance

According to Wisconsin state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Wisconsin law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  Wisconsin

Wisconsin law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • $10,000 for property damage
  • $25,000 for the injury or death of one person
  • $50,000 for the injury or death of more than one person

Penalties and Violations

Free picture (Policeman takes the documents from the driver, law, registration certificate) from

If you are caught driving without insurance in Wisconsin$10,000 for property damage, you could incur a $500 penalty and lose your driving privileges if you’re caught driving without insurance in Wisconsin. Offering fraudulent proof of insurance may cost you a fine of up to $5,000.  

Your license will also be suspended, pending acquiring proper insurance and filing an SR-22 with the DMV.  You will also need to pay a $60 reinstatement fee, and a $50 registration fee if you had your license suspended due to an accident.  

You are also deemed fully responsible for any financial repercussions should you cause an accident and not have any insurance to cover the cost of the damage.

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.