Back to all states

Wisconsin Car Insurance Information

Requirement : Yes

Car insurance is required in Wisconsin . Drivers must have a minimum of liability, and uninsured/underinsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, and uninsured/underinsured motorist coverage is required:

    • $25,000 for bodily injury or death to one person.
    • $50,000 for bodily injury or death per accident.
    • $10,000 for property damage per accident.
  • Uninsured/underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $100,000 for bodily injury to one person.
    • $300,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability, and uninsured/underinsured coverage is the only requirements for Wisconsin motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Medical Payments – Helps cover your medical or funeral costs due to an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:  

  • Other forms of financial responsibility include:
    • Surety bond: Must have same coverage limitations as liability insurance minimum.
    • $60,000 cash or securities deposit with the state comptroller.
    • Certificate of self-insurance.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. You do not need proof of insurance when applying for a driver’s license, or registering your vehicle.


Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $5,000 maximum fine.

  Credit Scores & Determining Your Insurance Premium :

All Wisconsin drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Wisconsin Automobile Insurance Plan (WAIP).

  

Other factors that may be used to determine your premiums include:

  • Credit history
  • Driving history
  • Coverage history
  • Deductible
  • Year, make, model of vehicle
  • Neighborhood, city of residence

Discounts : Yes

Discounts available in Wisconsin:

  • Good driver discount.
  • Good student discount.
  • Homeowner discount.
  • Multi-vehicle discount.

Cellphone Use:

There is no ban on cellphone while driving in Wisconsin. All drivers are prohibited from texting while driving. Texting violations are considered primary offenses. Violators face a $20-$400 fine and up to 4 points on your license for first offense, $200-$800 fine for second offense.


Wisconsin Minimum Coverage Laws

Carriers in Wisconsin

Recent Quotes in Wisconsin

Full Insurance Laws for Wisconsin

None