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Wisconsin – Auto Insurance

Unlike many states, in Wisconsin, auto insurance is not necessarily required. Instead, drivers must be able to prove financial responsibility when they take the road.


Wisconsin does not require proof of insurance in most instances. You will, however, be required to show you have insurance if you’ve previously lost driving privileges.

Proof of financial responsibility means that you have to show you have the funds available to cover the damages incurred in an accident. Generally, this can be satisfied by placing a deposit of $60,000 cash with the state department of transportation. This is one of the reasons why most experts strongly recommend getting auto insurance instead of following the proof of financial responsibility route.


Wisconsin Office of the Commissioner of Insurance
125 South Webster St.
Madison, Wisconsin 53702
Phone: 1-608-266-3585
Toll Free: 1-800-236-8517 (In-State)
Fax: 1-608-266-9935

Web Site: oci.wi.gov
Email: [email protected]

 Wisconsin (WI) Mandatory Auto Insurance Minimums:

  • Liability: Financial responsibility state. If an auto insurance policy is purchased to show proof of financial responsibility and it includes Bodily Injury/Property Damage coverages, there are mandatory minimums of 25/50/10
  • Other Mandatory Insurance: Uninsured Motorist coverage with limits of at least 25/50
  • Regulations Regarding Proof of car insurance: Proof Not Required
  • Penalties For Not Carrying Mandatory Insurance: License or registration revocation

Inside Wisconsin – Auto Insurance