Do I need auto insurance to apply for a WI drivers license? Wisconsin

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Wisconsin Car Insurance and Your Drivers License

As of June 1, 2010, car insurance is required for all Wisconsin drivers. However, you do not need to provide proof of auto insurance when applying for a WI driver license.

WI Auto Insurance Requirements

You can comply with the state's insurance requirements one of three ways: liability insurance, a surety bond, or self-insurance.

Liability Insurance


If you opt for car insurance, you must carry, at the very minimum, the following amounts of coverage:

  • $50,000 for injury or death of one person.  
  • $100,000 for injury or death of two or more people.
  • $15,000 for property damage.
  • $25,000/$50,000 for uninsured motorist coverage.

Surety Bond


You must obtain a $60,000 surety bond with an insurance company licensed to operate in Wisconsin.

Self-Insurance


Establish self-insurance by making a $60,000 cash deposit to the WI DMV.

Compare Auto Insurance Quotes

If you're in the market for coverage, take the time to compare insurance rates. You can easily do this online. Every company offers different insurance rates for different situations. The more insurance quotes you check, the better your chances of finding an insurance package that best suits your budget and vehicle situation.

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