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Auto Insurance Information and Resources for Residents of Wisconsin

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Wisconsin. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Wisconsin Auto Insurance Laws

Wisconsin has a financial responsibility law. It is designed to make sure that any Wisconsin licensed motorist has insurance or enough money to pay for damages to others that may be caused by a motor vehicle. These requirements may be met through a motor vehicle liability insurance policy, a surety bond, personal funds, or certificate of self-insurance.

If you decide to satisfy the requirements of the Wisconsin Financial Responsibility Law by buying a Wisconsin auto insurance, your policy must provide the following minimum liability coverage:
• $25,000 for injury or death of one person;
• $50,000 for injury or death of two or more people; and
• $10,000 for property damage.

The law also requires uninsured motorist coverage of $25,000/$50,000 for bodily injury liability coverage only. 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.

Wisconsin Drivers and Vehicles- Department of Transportation

The Wisconsin DMV (WisDOT DMV) is responsible for licensing, testing, title services, license plates, vehicle registration and any driver and motor vehicle services in that state. Go online to locate Wisconsin DMV service centers, schedules, and link to a map for each location. In addition to the state DMV locations, residents can find locations to vehicle emission testing locations. Emission testing requirements and procedures are provided. Wisconsin requires car accidents to be reported under certain circumstances. View details on the website. The site also provides online registration renewal, DMV forms and list of fees.

A section features uninsured motorist myths and realities concerning traffic accident liability in Wisconsin. The state does not have a “no fault” law, instead it has what is known as “contributory negligence.” If it is determined you are more than 50% negligent in an accident you must settle the claim. An uninsured motorist is always considered more negligent than a passenger or a stationary object.

Wisconsin Office of the Commissioner of Insurance

The Wisconsin Insurance Commissioner website provides insurance resources for consumers, insurance agents and insurance companies. Consumers can use the Licensing Search application to look up agents or insurance companies. And a free profile report can be generated for viewing and printing. Any administrative actions take on Wisconsin insurance companies and agents are listed in a separate section. Details and minimum Wisconsin auto insurance coverage are also available online.

A separate page is devoted to assisting senior citizens understand and make wise choices regarding long-term care, Medicaid, Medicare, and Medigap insurance. A Consumer Alert for Seniors posts possible unscrupulous activity that could seriously affect Seniors in Wisconsin.