Drivers in many states are legally required to have car insurance. Wisconsin is among those states. The law says that motorists must carry auto insurance, except in limited cases where another form of security like a surety bond or personal funds can be substituted.
According to the state Commissioner of Insurance, for policies issued or renewed as of Nov. 1, 2011, motorists must have at least $25,000 for injury or death of one person in a car accident. The policy must have a minimum of $50,000 coverage for injury or death of two or more people, and $10,000 for property damage.