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What are the consequences of driving without insurance in Wisconsin?

What would happen if I was caught driving without insurance or got into an accident?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If you are caught driving without insurance that meets
Wisconsin's car insurance laws
, you will face fines up to $5,000.
If you’re in an accident or are stopped by police, you are required to show
proof of insurance
. If you cannot, the fines are as followed:
  • Up to a $500 fine for operating a motor vehicle without insurance
  • Up to a $10 fine for failure to show proof of insurance at the time of the stop/accident
  • Up to a $5,000 fine for providing fraudulent proof of insurance
Apart from fines, you are financially responsible for any damage or injuries you cause in an accident without insurance. If you’re unable to pay for the damages, you could face a lawsuit that may result in your wages being garnished or your assets liquidated.
You may also be required to file an
SR-22 certificate
, which proves to the state that you carry the required state minimum insurance. An SR-22 requirement usually lasts at least a few years and comes with high
Wisconsin insurance rates
.
Proof of InsuranceUninsured/Underinsured
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