State‑Mandated Limits
Wisconsin law mandates a minimum liability policy of 25/50/25. The first figure covers bodily injury per person, the second covers bodily injury per accident, and the third covers property damage per accident. These limits are the bare minimum to drive legally in the Badger State.
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Optional Enhancements for Protection
Many drivers add coverage to exceed the minimums. Common additions include:
- Collision: pays for your vehicle's damage after a collision.
- Comprehensive: covers theft, vandalism, or weather‑related damage.
- Uninsured/Underinsured Motorist: protects you if the at‑fault driver lacks coverage.
How to Verify Compliance
When you purchase or renew, the insurer will provide a proof of insurance card. The card must list the 25/50/25 limits or show higher amounts if you opted for them. Keep the card in the vehicle and present it upon request by law enforcement or insurance agents.
Penalties for Non‑Compliance
Driving without the required coverage can lead to:
- Fines up to $400 plus court costs.
- License suspension until proof of coverage is provided.
- Vehicle impoundment in extreme cases.
Special Situations and Exceptions
Some drivers may qualify for lower limits if they are:
- Commercial drivers under specific licensing.
- Owners of certain government vehicles.
However, these exceptions are rare; most private drivers must meet the standard 25/50/25 threshold.