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Wisconsin Minimum Car Insurance and Penalties for Driving Without It
The short answer
Wisconsin requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: UM 25/50.
Wisconsin at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10) |
|---|---|
| Other required coverage | Uninsured motorist coverage of at least $25,000 per person and $50,000 per accident is required. Medical payments coverage of at least $1,000 per person is included unless you reject it, and underinsured motorist coverage must be offered but is optional. |
| First offense for driving uninsured | Driving without insurance carries a forfeiture (civil fine) of up to $500, with no jail. Not carrying proof of insurance carries a $10 forfeiture. |
| Repeat offense | Not confirmed on a state source; ask the agency |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Wisconsin?
Wisconsin requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: UM 25/50.
What happens if you drive without insurance in Wisconsin?
Driving without insurance carries a forfeiture (civil fine) of up to $500, with no jail. Not carrying proof of insurance carries a $10 forfeiture.