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Wisconsin Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Wisconsin. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Wisconsin.

WI Auto Insurance Laws and Regulations:

Wisconsin Office of the Commissioner of Insurance
125 South Webster St.
Madison, WI 53702

Minimum Car Insurance Coverage in WI:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

WI Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


WI Uninsured Penalties:

Wisconsin does not require proof of insurance in most instances. You will, however, be required to show you have insurance if you've previously lost driving privileges.

Proof of financial responsibility means that you have to show you have the funds available to cover the damages incurred in an accident. Generally, this can be satisfied by placing a deposit of $60,000 cash with the state department of transportation. This is one of the reasons why most experts strongly recommend getting auto insurance instead of following the proof of financial responsibility route.

If you are required to show proof of insurance, you must purchase your policy from an insurance company that is licensed to do business in Wisconsin, and you must have the insurance company provide you with an SR-22 policy, which means that the insurance company will automatically notify the DMV if you should allow your insurance policy to lapse of if you cancel your policy.

When is Proof of Insurance Required? - To reinstate a driver's license if that person's driving privileges or vehicle registration has been revoked. - To reinstate driving privileges after a license suspension, if the suspension was due to a damage judgment or for an infraction of the safety responsibility law. - For drivers under the age of 18 in lieu of having a sponsor.


WI Department of Insurance Contact Information:

1-608-266-3585 or
Toll Free: 1-800-236-8517

WI State Insurance Department Website:





Directory of Wisconsin Auto Insurance Agents by County

Adams
Ashland
Barron
Bayfield
Brown
Buffalo
Burnett
Calumet
Chippewa
Clark
Columbia
Crawford
Dane
Dodge
Door
Douglas
Dunn
Eau Claire
Florence
Fond Du Lac
Forest
Grant
Green
Green Lake
Iowa
Iron
Jackson
Jefferson
Juneau
Kenosha
Kewaunee
La Crosse
Lafayette
Langlade
Lincoln
Manitowoc
Marathon
Marinette
Marquette
Menominee
Milwaukee
Monroe
Oconto
Oneida
Outagamie
Ozaukee
Pepin
Pierce
Polk
Portage
Price
Racine
Richland
Rock
Rusk
Saint Croix
Sauk
Sawyer
Shawano
Sheboygan
Taylor
Trempealeau
Vernon
Vilas
Walworth
Washburn
Washington
Waukesha
Waupaca
Waushara
Winnebago
Wood

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