You must carry car insurance in Wisconsin along with proof of coverage. You face fines of $500 and a license suspension if caught without it. Offering fraudulent proof of insurance costs you a fine of up to $5,000.
The state of Wisconsin requires drivers of motor vehicles to provide proof of insurance. You’ll face a fine of $10 if you’re unable to provide proof of insurance.
If you’re caught without car insurance in Wisconsin, you face fines of up to $500. You’re also required to file an SR-22 form to prove you have the minimum amount of insurance coverage. Your insurance provider files your SR-22 through Wisconsin DMV, showing you’re properly insured to drive.
| Type of Offense | License and/or Registration Suspended? | Jail Time | SR-22 Requirements | Maximum Fines |
|---|---|---|---|---|
| No Proof of Insurance (Can Prove Coverage) |
A first-time offense won’t land you in hot water, aside from a minor fee. As long as you can provide proof of insurance, you only pay $10. Repeat offenses earn you a license and registration suspension, and you must get an SR-22 certificate.
There is no jail time in Wisconsin, regardless of how often you get caught driving without a license. However, your license is suspended, and you might face jail if caught driving without
You don’t require an SR-22 certificate if it’s your first offense. If it’s a second or third offense, you must get SR-22 insurance as you’re considered a high-risk driver. Your insurance provider must file an SR-22 with the Wisconsin DMV.
If you have coverage but aren’t able to show proof of coverage, you’ll get a fine of $10. That fine is dismissed once you can prove coverage through your Wisconsin car insurance company. If it’s a repeat offense, you’ll likely pay fines up to $500.
You must file an appeal with the municipal court. It must be done within 20 days of the judgment, and pay the required appeal fees and costs.
Wisconsin car insurance laws require motor vehicle owners to carry at least a minimum of car insurance coverage. The minimum car insurance coverage in Wisconsin is:
Most insurance providers recommend you purchase full coverage. If you’re at fault in a car accident, you’re responsible for damages and injuries exceeding your auto insurance limits.
If you’re in a car accident without auto insurance, it might lead to financial ruin. If you’re at fault, you’re responsible for the other driver’s damages and injuries. A car insurance policy protects you from financial devastation in the event of an accident.
Wisconsin’s Safety Responsibility (SR) Law is in place so that uninsured motorists are reported to the DMV and face immediate suspension of their license unless they meet one of the following conditions:
Insurers consider you a risk if you have a history of driving without insurance. Wisconsin drivers who allow their car insurance to lapse for 60 days pay about 7% more than the average premium. State Farm, GEICO, USAA, and Nationwide have the lowest rates for drivers who want to regain coverage.
Check out Wisconsin’s assigned risk program if insurance providers have denied you coverage because you’re high-risk.
You’ll pay more for auto insurance regardless of where you get it from because of the violations on your record, such as reckless driving or DUI. Drivers with two speeding tickets pay roughly 35% more premiums than drivers with clean driving records.
Driving someone else’s car without insurance isn’t illegal. Non-owner car insurance protects you if you borrow someone’s car regularly. Non-owner coverage is available if you need to reinstate your driver’s license or rent or borrow cars regularly. Insurance companies such as Nationwide, GEICO, State Farm, and The General offer non-owner car insurance.
Wisconsin car insurance costs, on average, $1,186 annually for full coverage, which is lower than the national average. It’s best to call around to different insurance providers to get the best car insurance quote.
You face serious consequences if caught as an uninsured driver and fraudulently state that you have coverage. You face fines of up to $5,000 if you provide false car insurance information at a traffic stop.
In Wisconsin, it’s illegal to drive without car insurance. You must have uninsured motorist coverage in the following amounts:
There’s a chance that your car insurance premium increases as insurers don’t like to see any lapses in auto insurance coverage. The Wisconsin DMV is also notified that you’re driving without car insurance. You likely have to show proof of insurance to avoid penalties such as a suspension of your driver’s license.
Wisconsin isn’t a no-fault state. If you’re at fault in an accident, you’re liable for the accident, the costs of the damages, and the injuries you cause.
Purchasing Wisconsin auto insurance through an auto insurance provider has never been easier. Ensuring you have the minimum coverage required by the state of Wisconsin, such as bodily injury liability coverage and property damage, is essential.
If you’re ready to find Wisconsin car insurance, compare rates by calling around to ensure you get the best insurance quote. We have a helpful tool to find the best car insurance.
