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Wisconsin Insurance (WI)

Wisconsin Car Insurance Requirements
The financial responsibility law of Wisconsin is fashioned to ensure that any motorist licensed to drive in the state has insurance or sufficient 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, an indemnity bond, personal funds, or certificate of self-insurance. Details can be had from the Department of Transportation, Division of Motor Vehicles (DMV), Hill Farms State Office Building, 4802 Sheboygan Ave., Madison, WI 53702.

If you opt for satisfying the requirements of the Wisconsin Financial Responsibility Law by purchasing auto insurance, your policy must allow 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 mandates uninsured motorist coverage of $25,000/$50,000 for physical injury liability coverage only. The $25,000 compensates for injuries to one person while the $50,000 represents the total indemnity available for one accident.

If you want to guard your assets by purchasing more coverage than what is provided in the minimum policy required in Wisconsin, higher limits are on offer, for an extra premium.

State of Wisconsin Office of the Commissioner
The Wisconsin Office of the Commissioner of Insurance (OCI) was brought into being by a legislature in 1871. The original motive of OCI has not changed radically over the past 125 years. In 1871, OCI was vested with broad powers to ensure that the insurance industry functions with ever greater responsibly and sufficiently meets the insurance needs of Wisconsin citizens. Today, the OCI's mission is to lead the way in informing and protecting people comprehensively and responding to its insurance needs swiftly.

Contact WI Dept. of Insurance
Wisconsin Department of Insurance
125 South Webster Street
Madison, WI 53702
(608) 266-3585, Madison;
(800) 236-8517, statewide;