Wisconsin Minimum Coverage Car Insurance: Requirements and Costs (2024)

Wisconsin requires drivers to have minimum car insurance coverage, safeguarding against the financial consequences of a mishap. Specifically, state minimum auto insurance necessitates $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. It also includes uninsured motorist coverage of $25,000 per person and $50,000 per accident. As an at-fault state, Wisconsin holds the responsible party liable for damages in an accident.

The cost of state minimum car insurance in Wisconsin is quite reasonable for drivers looking to satisfy legal requirements. The monthly premium for a typical 40-year-old driver hovers around $32, varying with different providers.

In Wisconsin, you are required to carry minimum coverage auto insurance to legally operate a vehicle. The amounts for the required coverage in Wisconsin are as follows:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

The cost of your premium can be affected by whether the state operates on a fault or no-fault basis. In a fault state. Wisconsin is a fault state, which means that the at-fault driver's insurance typically must cover the costs of bodily injury and property damage resulting from an accident.

The table reflects Wisconsin's state minimum car insurance requirements, including bodily injury and property damage coverage. Remember, individual policy terms condition specific coverage details.

While numerous factors affect the cost of your minimum car insurance, age is often a key determinant. In Wisconsin, drivers between the ages of 22 and 29 face the highest premiums, largely because this group is viewed by insurers as more likely to be involved in accidents due to less driving experience. The following table outlines the average cost for minimum coverage car insurance in Wisconsin by age group.

In Wisconsin, the two most budget-friendly options for state minimum coverage auto insurance are as follows:

• AAA: $195 per year and $16 per month
• Erie: $243 per year and $20 per month

As you search for the most economical options for state minimum auto insurance, it's crucial to weigh affordability against your individual needs and circumstances when finding the best car insurance.

In Wisconsin, you may opt for various add-on coverages, such as comprehensive, collision, uninsured/underinsured motorist, medical payments and rental reimbursement coverage. Though not required by law, these optional protections can safeguard you financially. For a thorough understanding of how much car insurance you need, consider your personal circumstances and the value of your assets.

The cost of a ticket for driving without insurance in Wisconsin varies based on whether it's your first offense or a repeat violation. Generally, a first offense will result in lighter penalties compared to repeated offenses, which can carry much heftier consequences, including larger fines.

If you're caught driving without minimum coverage auto insurance in Wisconsin, you could face several consequences:

• License suspension: Your driving privileges may be taken away for a period of time.
• Vehicle registration suspension: The registration of your vehicle can be suspended, meaning you cannot legally drive the car.
• SR-22 requirement: You may have to file an SR-22 form, proof of financial responsibility, which usually results in higher insurance premiums.
• Fines: There will be monetary penalties for driving uninsured.

Additional penalties may apply, such as:

• Vehicle impoundment: Your car could be taken away with you paying for the associated costs.
• Reinstatement fees: To get your license and vehicle registration back, you might need to pay fees.
• Increased future insurance premiums: Not carrying auto insurance can lead to higher insurance costs in the future.

Remember that driving with at least the state minimum coverage auto insurance is a legal requirement.

After a car insurance policy is canceled in Wisconsin, drivers must secure a new policy immediately, as Wisconsin law requires motorists to always have minimum coverage auto insurance. Driving without insurance is illegal, and you can face severe penalties. Drivers should reach out to their insurance agent to explore options for new coverage or to resolve misunderstandings.

The Wisconsin Department of Motor Vehicles (DMV) will be notified of the lapse in coverage. Continuously maintaining auto insurance is crucial because the DMV tracks insured status through various systems, similar to the TexasSure program in Texas, and can impose fines or suspend driving privileges if you’re caught without valid insurance.

Wisconsin doesn't have a specific state program for individuals struggling to obtain insurance. However, drivers can shop around with different insurance providers or contact the Wisconsin Office of the Commissioner of Insurance for guidance on obtaining the necessary coverage.

Here you'll find answers to all your questions about legally mandated coverage to remain compliant with Wisconsin law.