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Wisconsin Auto Insurance 
In Wisconsin you're financially responsible for the damage and injury you cause in an automobile accident. Automobile liability insurance protects you from these potential expenses, but is NOT compulsory in Wisconsin.
Wisconsin minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. Other mandatory coverages include $20,000 (per person) and $40,000 (total per accident) in uninsured (UI) and underinsured motorist (UIM) coverage. Non mandatory options (plan add ons) include medical payments (PIP), blanket umbrella, collision, and comprehensive coverage.
If you are convicted of DUI in Wisconsin (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the Wisconsin Automobile Insurance Plan. The Wisconsin Automobile Insurance Plan was created in 1949 to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Wisconsin |
$25,000 |
$50,000 |
$20,000 |
$0 |
$25k/$50k |
Proof of insurance is required when you register the vehicle, to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Wisconsin are license and / or registration revocation.
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