Penalties for Driving without Insurance in Wisconsin

Penalties for Driving without Insurance in Wisconsin

Wisconsin requires all drivers to carry car insurance along with proof of coverage. If you're caught driving without it, the state may levy a $500 fine and suspend your driving privileges. Offering fraudulent proof of insurance may even cost you a fine of up to $5,000.

Penalties for driving without insurance

When you're driving in Wisconsin, keep your proof of insurance at hand. Officers may ask for it at a routine traffic stop or after an accident. You may show that proof in paper or electronic format, such as a printed ID card or through an app on your smartphone. If you can't provide proof, you'll pay a $10 fine. However, if you have insurance but don't have the proof, then you can avoid the penalty by sending proof to the state department of motor vehicles.

If you're caught driving without the proper amount of insurance, the state will fine you up to $510 and suspend your driving privileges. For your next steps, you'll need to buy an insurance policy and ask the insurer to file an SR-22 certificate on your behalf, then pay a $60 reinstatement fee.

The SR-22 will need to stay on file for at least three years from the date you reinstate your license. If your insurer drops your coverage during the three-year period, you must find a new insurer and file a new SR-22 as soon as possible, or your driving privileges could be taken away again. If you knowingly provide fraudulent proof of insurance that is not valid or in effect, you may be faced with a fine of up to $5,000.

Fine

Driving privilege
Reinstatement
Other

Driving without insurance

Not to exceed $510Driving privileges suspended until you have SR-22 on file$60 license reinstatement feeFile SR-22 insurance for three years

Driving without insurance in an accident

Not to exceed $510Driving privileges and registration suspension up to three years$50 vehicle registration reinstatement for accident suspensions, $60 license reinstatement feeFile SR-22 insurance for three years

Penalties for driving without insurance in an accident

According to the state's safety responsibility law, the state can suspend your driving privileges and car registration if you cause an accident while uninsured. But you can head off these penalties if you:

  • Post a security deposit to cover the cost of the claims.
  • Sign an installment agreement to pay for the claims.
  • Submit a lease of liability proving you have settled the claims with the other party.

Once your driving privileges are suspended, you may either serve a one-year suspension or file an SR-22 certificate to reinstate your license. Plus, you need to pay a $60 license reinstatement fee and a $50 vehicle registration reinstatement fee.

Sources:

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SR-22 Insurance

An SR-22 form is a certificate of financial responsibility that proves a driver has the minimum required auto insurance. You only need an SR-22 if your state or court orders you to get one — typically after a major driving violation.

Cost of Non-Owner SR-22 Insurance

Compare SR-22 Quotes and Find Cheap Coverage

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