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Is Car Insurance Mandatory in Wisconsin

As you may know, car insurance is not mandatory in Wisconsin. In fact, as of July 1, 2018, the state eliminated a law that made car insurance an absolute requirement. This change has some people scrambling to understand what this means for them and their driving habits. So far, it appears that most people in Wisconsin are not affected by the change. However, if you live in a smaller town or city where the police have greater power to enforce traffic laws, then you might want to consider getting car insurance. In the end, it’s up to you whether or not you decide to get car insurance in Wisconsin. But be aware of the changes so that you can make an informed decision.

What is car insurance?

Wisconsin law requires all motorists to maintain liability insurance in the amount of $25,000 per person and $50,000 per occurrence. If you are found guilty of a traffic violation that resulted in an automobile accident, your car insurance may be invalidated. Additionally, if you are driving without car insurance, you can be subject to a fine of up to $1,000.

If you have comprehensive or collision coverage on your policy and were at fault in an accident, your rates may increase significantly. Comprehensive and collision coverage will both pay for damages not covered by your liability insurance, such as loss of rental car money and personal property damage.

Is Wisconsin car insurance mandatory?

In Wisconsin, car insurance is not mandated by law. However, most drivers carry liability insurance specifically to cover damages they may cause to others while driving. If you’re involved in an accident and the other driver doesn’t have liability coverage, you may be held liable for any injuries or damage they suffer.

What are the consequences of not having car insurance in Wisconsin?

If you don’t have car insurance in Wisconsin, you could be subject to a fine of up to $1,000. In addition, your driver’s license may be suspended or revoked. Also, if you are involved in an accident and are not carrying auto insurance, the other party may sue you for damages. Finally, if you are stopped by police and cannot provide proof of car insurance, your driving privileges may be suspended.


In Wisconsin, car insurance is not mandatory. This means that drivers are not legally required to have it, but the majority of drivers DO choose to have it. There are a few reasons for this: first, car insurance can protect you financially if something unfortunate happens while you’re driving; second, having a policy can help reduce your rates on auto insurance; and finally, car insurance can give peace of mind when you’re out driving alone at night or during dangerous weather conditions. If you aren’t sure whether or not it’s worth getting car insurance in Wisconsin, feel free to speak with an agent at one of our local agencies.

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