Wisconsin Car Insurance Requirements (2024)
Discover everything you need to know about car insurance regulations in Wisconsin. Learn about the minimum liability limits, the recommended additional coverage, and how the state's tort system works. Find out how to establish proof of insurance and financial responsibility. Understand the penalties for failing to maintain insurance coverage.
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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Wisconsin car insurance regulations and required coverage. In this article, we’ll provide you with essential information to navigate the insurance landscape in Wisconsin. We’ll discuss the minimum liability limits and the importance of additional coverage, considering the state’s tort legal system.
To ensure you have the best coverage at competitive rates, we encourage you to enter your ZIP code and compare quotes from top insurance providers. Don’t miss out on the opportunity to protect yourself and your vehicle with the right insurance coverage.
Required Coverage
All personal vehicles in Wisconsin require the following liability coverage requirements:
- Bodily Injury
- Property Damage
Additionally, Wisconsin requires the following coverage:
- Uninsured / Underinsured Motorist Bodily Injury Coverage
| Minimum Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
| Uninsured/Underinsured Bodily Injury | $25,000 / $50,000 Limit | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
Comprehensive and collision coverage can pay for damages not covered by your other coverages. Comprehensive coverage will compensate you for costs (above your deductible) related to incidents excluding collisions. This can include events such as having your car broken into, stolen or damaged by mother nature such as hail or flooding. Collision will help cover car repairs if your vehicle is involved in an accident. Comprehensive is important for vehicles listed as the most stolen vehicles in Wisconsin, but is good coverage to have for any vehicle.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Get an SR-22 certificate from a Wisconsin licensed insurance company
- Make a cash deposit of $60,000 with the Wisconsin Department of Transportation (WisDOT)
- Post a surety bond for $60,000 from an insurance company licensed to do business in Wisconsin
Required Documentation
You can show proof of insurance with WisDOT by providing them an SR-22 form from your insurance company.
You must maintain proof of insurance and financial responsibility:
- To receive an occupational license or to reinstate your license if its been previously revoked
- To reinstate after suspension if suspension occurs under the Wisconsin uninsured motorists/safety responsibility law
- For any driver under 18 years old
Failure to Maintain Financial Responsibility Penalties
If you are in an accident and are not able to show proof of insurance, WisDOT will investigate and could suspend your license or registration.
Wisconsin Insurance Agents
Milwaukee Car Insurance | Madison Car Insurance | Green Bay Car Insurance | Kenosha Car Insurance | Racine Car Insurance | Appleton Car Insurance | Waukesha Car Insurance | Eau Claire Car Insurance | Oshkosh Car Insurance | Janesville Car Insurance | West Allis Car Insurance | La Crosse Car Insurance | Sheboygan Car Insurance | Wauwatosa Car Insurance | Fond Du Lac Car Insurance | New Berlin Car Insurance | Wausau Car Insurance | Brookfield Car Insurance
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Frequently Asked Questions
What are the minimum car insurance requirements in Wisconsin?
Wisconsin car insurance regulations require minimum liability limits of 50/100/15 and 100/300 Uninsured Motorist (UM) limits.
Is additional coverage recommended in Wisconsin?
Yes, since Wisconsin car insurance laws follow a tort legal system, it’s recommended to get additional coverage for your vehicle.
What is a tort legal system?
A tort system means that after any car accident, someone needs to be named at fault and, along with their insurance company, will be held responsible to cover the costs resulting from any damages and injuries incurred by the accident.
What is comprehensive coverage in Wisconsin car insurance?
Comprehensive coverage can pay for damages not covered by your other coverages. Comprehensive coverage will compensate you for costs (above your deductible) related to incidents excluding collisions. This can include events such as having your car broken into, stolen or damaged by mother nature such as hail or flooding.
How can I show proof of insurance and financial responsibility in Wisconsin?
You can show proof of insurance with WisDOT by providing them an SR-22 form from your insurance company. You must maintain proof of insurance and financial responsibility. If you are in an accident and are not able to show proof of insurance, WisDOT will investigate and could suspend your license or registration.
What happens if I am involved in an accident and cannot show proof of insurance in Wisconsin?
If you are in an accident and are not able to show proof of insurance, WisDOT will investigate and could suspend your license or registration.
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Kristine Lee
Licensed Insurance Agent
Kristine Lee is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including on The Points Guy.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.