Question 1

What are the minimum auto insurance requirements in Wisconsin?

Accepted Answer

Wisconsin requires drivers to carry minimum liability coverage of 25/50/10, which includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. Additionally, uninsured motorist coverage of $25,000 per person and $50,000 per accident is mandatory.
Read more: Best Uninsured and Underinsured Motorist (UM/UIM) Coverage

Question 2

Is auto insurance required in Wisconsin?

Accepted Answer

Yes, auto insurance is required in Wisconsin. Drivers must maintain active liability and uninsured motorist coverage to legally operate a vehicle on public roads. Failure to comply can result in fines, license suspension, and other penalties. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.

Question 3

Does Wisconsin have uninsured motorist coverage?

Accepted Answer

Yes, Wisconsin mandates uninsured motorist coverage. This coverage compensates for injuries if you are involved in an accident caused by an uninsured driver or a hit-and-run incident. Property damage caused by uninsured drivers is not included in the state’s minimum requirements.
Read more: Best Property Damage Liability (PDL) Auto Insurance Companies

Question 4

What are the penalties for driving without insurance in Wisconsin?

Accepted Answer

Drivers caught without insurance can face fines of up to $500. Failing to provide proof of insurance when pulled over results in a $10 fine, while providing fraudulent insurance documents can lead to a $5,000 penalty.

Question 5

What happens if I’m involved in an accident with an uninsured driver?

Accepted Answer

If you are hit by an uninsured driver, your uninsured motorist coverage will cover medical expenses and related costs, up to your policy’s limits. However, it won’t cover vehicle repairs unless you have collision coverage.

Question 6

What types of additional coverage should Wisconsin drivers consider?

Accepted Answer

Drivers in Wisconsin should consider adding collision, comprehensive auto insurance, medical payments, and underinsured motorist coverage to ensure full protection. These options cover vehicle damage, weather-related incidents, theft, and injuries beyond the limits of basic policies.

Question 7

How does Wisconsin handle SR-22 insurance filings?

Accepted Answer

If your license is suspended due to an insurance violation, you may need to file an SR-22 form as proof of financial responsibility. Insurance companies typically send this form electronically to the Wisconsin Department of Transportation.

Question 8

What factors affect auto insurance rates in Wisconsin?

Accepted Answer

Factors like your driving history, vehicle type, location, credit score, and coverage limits impact auto insurance rates. Cities like Madison and Brookfield tend to have higher rates due to higher traffic density and accident risks.

Question 9

Is uninsured motorist coverage required in Wisconsin for property damage?

Accepted Answer

No, Wisconsin’s uninsured motorist coverage requirement only applies to bodily injuries, not property damage. If you want property damage protection against uninsured drivers, consider adding uninsured motorist property damage (UMPD) coverage to your policy.

Question 10

How can I find the cheapest car insurance in Wisconsin?

Accepted Answer

To find affordable auto insurance in Wisconsin, compare quotes from multiple providers like USAA, State Farm, and American Family. Consider bundling policies, maintaining a clean driving record, and asking about discounts such as safe driver, multi-policy, and good student discounts. Start saving on your auto insurance by entering your ZIP code and comparing quotes.

Tag: Wisconsin

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Wisconsin Minimum Auto Insurance Requirements for 2025 (Basic WI Coverage Guide)

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Tag: Wisconsin

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Wisconsin Minimum Auto Insurance Requirements for 2025 (Basic WI Coverage Guide)

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