Last updated: November 2023

Wisconsin Auto Insurance

Whether you live along Lake Michigan or are landlocked in Eau Claire, Wisconsin has plenty to see and do. But before you hop in the car to drive to the Deer District or to your favorite hiking trails, it’s important to make sure you have the right auto insurance coverage.

So, take a few minutes to learn about car insurance in Wisconsin. Find out which coverages are mandatory, which ones are optional, and how a Direct Auto Insurance policy could be your cheap Wisconsin car insurance solution. Get a free quote to see how much money you can save.

Wisconsin Car Insurance Laws

Do you have to have car insurance in Wisconsin?

Wisconsin law requires drivers to have an appropriate car insurance policy in force. Wisconsin auto insurance policies must at least meet the minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Wisconsin are 25/50/10, as shown below under Wisconsin Minimum Car Insurance Requirements.

In addition to liability coverage, Wisconsin requires drivers to carry uninsured motorist bodily injury coverage.

Wisconsin Minimum Car Insurance Requirements

Wondering what your insurance policy needs to make you street legal in Wisconsin? Here’s a quick breakdown by coverage type.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $10,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Yes. $25,000 UM bodily injury per person/$50,000 UM bodily injury per accident.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing minimum liability coverage and UM bodily injury coverage ensures you meet Wisconsin’s insurance laws, it doesn’t necessarily protect you and your vehicle in every circumstance. You would need to add additional coverage, like comprehensive and collision, to protect yourself and your vehicle more fully.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For added peace of mind, there are add-on services and other insurance products available to Wisconsin drivers:

Wisconsin Proof of Financial Responsibility and Penalties

What if I don't meet Wisconsin’s minimum car insurance requirements?

Wisconsin takes a strong stance against uninsured drivers. Operating a vehicle without appropriate insurance coverage can result in a $500 fine for a first offense, according to the Wisconsin Department of Transportation.

If you’re involved in accident without coverage, you’ll be forced to pay for any damages out of pocket, and car accident costs can add up quickly. Therefore, it’s important to maintain continuous coverage and always carry proof of insurance.

Penalties for Driving with a Suspended License in Wisconsin

It’s against the law to operate a vehicle without a valid driver’s license in Wisconsin. The exact penalty for driving while suspended or revoked, depends on a few factors, but it generally involves steep fines. You could face potential vehicle impoundment and other harsh penalties if you receive an operating while intoxicated (OWI) or are involved in a crash while your license is suspended.

SR-22 Insurance in Wisconsin

In many states, high-risk drivers must keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased an auto policy that satisfies the state’s minimum coverage requirements. Wisconsin drivers might be required to fulfill SR-22 requirements if:

If you have any questions about SR-22 filings, we’d be happy to help. Our agents specialize in helping people find affordable car insurance coverage, regardless of their history.

High-Risk Auto Insurance in Wisconsin

Most drivers don’t have a perfect record, and after a few violations or a serious enough violation, drivers can be considered a major risk to insure. While some insurers won’t cover these individuals, other insurance companies offer non-standard insurance (another name for high-risk auto insurance) to provide financial protection for these drivers.

We believe your driving history shouldn't define you forever, and we work hard to find quality, affordable coverage for every driver, regardless of their past.

Where can I find the cheapest car insurance rates in Wisconsin?

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make, and model of the vehicle you drive
  • How much you drive, where you drive, and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Other Wisconsin Auto Insurance Resources

Find Cheap Car Insurance in Wisconsin with Direct Auto!

Looking for affordable and cheap car insurance in Wisconsin? Get a free car insurance quote for a Direct Auto policy today that meets your state’s requirements, fits your needs, and includes any discounts you’re entitled to receive so your premium is the lowest price possible. Call or click to get a Wisconsin car insurance quote today!

*Emergency Protection Plans (EPP) and Roadside Assistance are not insurance and are administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

** The “Direct Auto Insurance” brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. Direct Auto Insurance branded policies are produced by Direct General Insurance Agency, Inc. dba “Direct Auto Insurance” and by National General Insurance Marketing Inc.

For additional details and disclaimers, please see our Terms of Use.

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