Non-owner car insurance in Wisconsin

Who sells non-owner car insurance in Wisconsin?

Rates from 8 companies are shown here, with the cheapest first.

Even a basic policy in Wisconsin carries extra requirements: both $1,000 in medical payments and uninsured motorist coverage are mandatory. The state's SR22 certificate follows tight phrasing rules, and the DMV will turn down a form that uses the wrong words.

The minimum liability limit in Wisconsin and what else comes with it

Under Wis. Stat. 344.33, the floor for liability is $25,000 when one person suffers injury or death. If two or more people are hurt or killed, the amount goes up to $50,000, and damage to property requires $10,000. Liability pays the other party after an accident you cause.

Under Wis. Stat. 632.32, you also get coverages that pay you. You must also carry at least $1,000 in medical payments coverage, which handles medical costs for anyone inside the car. Uninsured motorist coverage is also required. It pays you when the driver at fault carries no insurance. The coverage limits are $25,000 per person and $50,000 for each crash. Coverage for an underinsured motorist (a driver whose policy is too small) must be made available to you. If you accept it, your limits will be no lower than $50,000 and $100,000.

At what point does the Wisconsin DMV require an SR22 certificate?

In Wisconsin, the term is written SR22, with no hyphen. It is a form from a state-licensed insurer that proves your policy meets the state's minimum. If your license is suspended or revoked, the DMV SR22 certificate page demands one for an occupational license and for reinstatement after a revocation. It is required as well when a damage judgment or either the uninsured motorist or safety responsibility law causes your suspension.

A first OWI (operating while intoxicated) is the only time a revocation does not require the filing, as long as OWI is the sole cause. The certificate remains on file for three years starting from the date you become eligible. The exact wording on the form is important. The DMV will take the checked boxes for owner's and operator's, or the precise sentence "All owned and non-owned (vehicles)." A version that ends with "automobiles" gets denied.

Fees, fines, and the correct way to cancel in Wisconsin

On the DMV fee list, a reinstatement costs $60, or $200 when an OWI-related revocation or suspension is involved. The price of an occupational license (a restricted license for set uses) is $50. When ordered by a court, the fee drops to $40.

While the policy remains active, turn in your license to the DMV first if you want to stop the SR22 early without added fees. Once that is done, cancel the insurance. Under the DMV auto insurance requirements page, driving without insurance can bring a fine of up to $500, and providing false proof can cost up to $5,000.

What you pay in Wisconsin, by age

A teenager can expect to spend roughly $707 a year. At age 40, minimum coverage for a car you own averages $569 yearly, about $171 above the $398 cost of a non-owner policy.