Insurance Requirements for Car Registration in Wisconsin

The Wisconsin Department of Transportation requires that all drivers carry minimum amounts of liability insurance, or “financial responsibility,” in order to legally operate a vehicle on the roadways.

The minimum financial responsibility requirements for Wisconsin drivers are as follows:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

  • A minimum total of $300,000 for uninsured or under-insured motorist coverage, which pays for injuries that occur during an accident with a driver who did not carry the legally required liability insurance, or did not carry sufficient amounts of insurance.

This means that the total minimum amount of financial responsibility you will need is $360,000 to cover bodily injury or death, property damage liability, and uninsured motorist coverage.

Proof of insurance

Drivers do not need to provide proof of insurance when they apply for a driver’s license or when they register a car in Wisconsin. However, drivers do need to show proof of insurance if they are involved in a car accident, or if they are pulled over by a police officer for a traffic violation. The insurance card provided by your insurance provider is the acceptable form of proof of insurance.

Wisconsin Automobile Insurance Plan

Any insurance provider in Wisconsin is legally entitled to refuse coverage to a driver that is deemed “high-risk” due to their driving history. In order to ensure that all drivers carry the legally required liability insurance, the state maintains the Wisconsin Automobile Insurance Plan, or WAIP. Drivers that have been unable to obtain traditional insurance can apply to this plan, and will be assigned an insurance provider, which may or may not be the company through which you applied originally.

Violation penalties

There are several types of penalties that may be issued to drivers found guilty of insurance violations in Wisconsin. These include:

  • Any driver in Wisconsin who does not have the required liability insurance when driving may face a fine of up to $500.

  • Any driver in Wisconsin who cannot provide proof of insurance at the time of a traffic stop may face a fine of $10.

  • Any driver in Wisconsin who is found guilty of offering falsified proof of insurance may face a fine of up to $5,000.

Additionally, some drivers may be required to file an SR-22 Proof of Financial Responsibility document. This document ensures the state that the driver will carry the required liability insurance for a specific amount of time as dictated by the sentence, and results in more expensive insurance premiums. The circumstances that could lead to this penalty include:

  • A suspended or revoked driver’s license

  • Revoked vehicle registration

  • A DUI conviction

For more information, or to renew your registration online, contact the Wisconsin Department of Transportation through their website.


The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

Related articles

5 Ways to Deal With a Totaled Car After a Car Crash
You have options if you get in a car crash and your car is totaled. You can fix your car, sell individual car parts, or donate your car to charity.
How Bad Credit Affects Your Car Insurance Rate
Bad credit scores can increase how much you pay for car insurance. Monitor your credit rating and make regular payments to lower car insurance rates.
All About Bodily Injury Liability Insurance
Bodily injury liability insurance helps if you get in a car crash that causes injury or death. Most states require you to buy bodily injury insurance.

Related questions

Is it Legal to Drive With a Damaged or Missing Mirror?
According to the California Vehicle Code, Section 26709 (http://www.leginfo.ca.gov/cgi-bin/displaycode?section=veh&group=26001-27000&file=26700-26712), every motor vehicle that is subject to registration in the state of California, except motorcycles, must have two mirrors (https://www.yourmechanic.com/article/how-to-adjust-car-mirrors-for-your-height) that reflect to the driver a view of the highway for...
what would be the average cost to own my vehicle over a ten year period
Typical "lifecycle" vehicle ownership and operation costs, such as you are inquiring about, are calculated on a 5 year interval. Going out 10 years has too much inherent uncertainly in inflation projections, and the costs of fuel, insurance, and repairs....
Can an accident cause the alignment to be off and the front left strut to leak even when only the body was damaged visually?
If the speed at time of impact was over 10 MPH and you jumped the curb, the alignment can easily be disturbed not to mention the possibility, indeed likelihood if the speed was high enough, of damage to the unibody...

How can we help?

Our service team is available 7 days a week, Monday - Friday from 6 AM to 5 PM PST, Saturday - Sunday 7 AM - 4 PM PST.

1 (855) 347-2779 · hi@yourmechanic.com