Wisconsin Department of Insurance Laws

State Insurance Departments

State of Wisconsin Car Insurance Requirements

Wisconsin's Financial Responsibility Law:

Auto insurance is mandatory in Wisconsin?

After June 1, 2010, Wisconsin drivers are required to have an automobile insurance policy in force or, in limited situations, other security which could be a surety bond, personal funds, or certificate of self-insurance. Details are available at the Department of Transportation, Division of Motor Vehicles (DMV), Hill Farms State Office Building, 4802 Sheboygan Ave., Madison, WI 53702.

What coverages are required in Wisconsin and what are the minimum limits of car insurance liability required in Wisconsin.

Your automobile insurance policy must provide the following minimum liability coverage:

  • $50,000 for injury or death of one person;
  • $100,000 for injury or death of two or more people; and
  • $15,000 for property damage.

The law also requires uninsured and underinsured motorist coverage each with minimum limits of $100,000/$300,000 for bodily injury coverage.

You may want to protect your assets by purchasing more coverage than what is provided in the minimum policy required in Wisconsin. Higher limits are available for an additional premium.
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