Minimum insurance requirements

(en español​)

​Liability insurance

Minimum liability coverage amounts are:

  • $10,000 for property damage
  • $25,000 for the injury or death of one person
  • $50,000 for the injury or death of more than one person

​Proof of insurance

Drivers and owners of motor vehicles are required to show proof of insurance at traffic stops/accidents if​ requested by law enforcement. Proof is not necessary for trailers or semi-trailers.

  • Operating a motor vehicle without insurance may result in a fine of up to $500.
  • Drivers and owners who fail to show proof of insurance at the time of the stop/accident may be fined up to $10.

  • Offering proof of insurance that is found to be fraudulent may result in a fine of up to $5,000.

There is no requirement that you provide proof of insurance when you obtain your driver license or are registering a vehicle, unless that information is requested by DMV and is a requirement before reinstatement of a driver license after a suspension or revocation.

If you have additional questions about the minimum amounts required, please contact your insurance agent or the Office of the Commissioner of Insurance​. ​

​​​Driver Eligibility Unit
Email Wisconsin DMV email service​​​