Wisconsin auto insurance laws have undergone recent changes. If you purchased or renewed your policy between January 1, 2010 and October 31, 2011, your insurance carrier was required to offer you the following minimum amounts of car insurance coverage:
If you purchase or renew your policy after October 31, 2011 in Wisconsin, your insurance carrier must offer you the following minimum coverage:
It may be wise to carry liability coverage with higher limits than the state minimums. Otherwise, you could be on the financial hook if you're at fault for a serious accident and the other driver's medical bills exceed the amount of your coverage.
And in some situations, such as when you lease or finance a vehicle, you may be contractually required to add additional protection (such as comprehensive coverage) to your policy. Learn more about different types of car insurance coverage.
If you get caught driving without insurance in Wisconsin, you may be subject to the following penalties:
The Office of the Commissioner of Insurance (OCI) in Wisconsin has an online Consumer's Guide to Wisconsin Auto Insurance. You can also find more information at the Wisconsin Department of Motor Vehicles and in our article Wisconsin Auto Insurance Laws & Regulations.