Auto Insurance Minimums for Wisconsin

All Midwestern states require drivers to have proof of insurance. In Wisconsin there is no law that requires motorists to provide proof of auto insurance when obtaining a driver license or vehicle registration. It does, however, state that one must provide proof of coverage before any reinstatement of a license after a suspension or revocation.

This means that drivers should hold policies in the following minimum amounts: $50,000 for Bodily Injury coverage and $15,000 for Property Damage.  Failure to do so in the state of Wisconsin may result in hefty fines; drivers who are not capable of providing proof of auto insurance at the scene of an accident or driving violation will be able to provide proof at a later date with the subject of a $10 fine. After that date, drivers with no insurance are subject to a fine of $500.

With 15 percent of Wisconsin’s 563,000 drivers uninsured, you may find yourself in this percentile. Don’t risk financial loss by cutting corners. Get an auto insurance quote today, and get behind the wheel of a perfectly protected car—both for your sake, and for the sake of other drivers on the Wisconsin highways and roads.

Wisconsin DUI Law

If you drink and drive in Wisconsin you will face severe penalties. Those who are arrested for a first offense DUI will lose their license, may have to install an ignition interlock and could spend up to six months in jail. More than one offense leads to even harsher punishments, like fees up to $1,100 dollars, and up to a year in prison. Furthermore, if you are driving with a teenager or child under the age of 16 you will have these penalties doubled.

The blood alcohol content limit (BAC) in Wisconsin is 0.08% or higher; however, there are also sentence enhancements for those who drive with a BAC of 0.15% or higher.

Those who are arrested with a DUI in the state of Wisconsin will lose their license for at least six months. During this time a driver may apply for a limited license. A DUI will cost at least $300 in fines.

Wisconsin Teen Driving Laws/Auto Insurance Requirements

In Wisconsin, teen deaths resulting from car accidents are a serious problem. For this reason, Wisconsin follows the Graduated Driver Licensing program, which took effect in the state in 2000.

Wisconsin’s Graduated Driver Licensing program requires teens to complete three stages before receiving an unrestricted license. These stages include: obtaining an instruction permit, obtaining a probationary license, and obtaining a regular license.

In order to receive an instruction permit, a teen must be at least 15 and a half years old, be able to provide proof of US citizenship, show proof of enrollment in a certified driver education program, proof of enrollment in school if they are under 18 years of age and provide proof of identity. In addition, teens must pass a skills test and vision test.

In order to advance to a probationary license, teens must be at least 16, pass an approved driving course, complete 30 hours of practice driving, with at least ten hours of driving at night, and keep a clean driving record for at least six months.

In order to qualify for an unrestricted license in Wisconsin, teens must be 19 years old.

Teens in Wisconsin will be arrested for a DUI if their BAC is higher than 0.02%. That is typically the same amount as one drink, although for some it can be even less. If a teen is convicted of a DUI, their licensing will be delayed, and they may lose their driving privileges full stop.

In Wisconsin, teens and adults need to carry the minimum amount of auto liability insurance coverage. Uninsured and Underinsured Motorist Protection is not mandatory in this state, though it is highly recommended. It is also highly recommended that parents purchase more than the mandatory amount of coverage for their children, as Wisconsin is a tort state.