Wisconsin Auto Insurance Requirements & Rates
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
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Wisconsin at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Wisconsin operates under a tort-based liability system, meaning the at-fault driver is financially responsible for damages. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The state requires electronic reporting from insurers to verify active coverage, and the Wisconsin Department of Transportation tracks compliance through automated systems.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $77/mo
Average car insurance spending in Wisconsin
Rate data: NAIC Auto Insurance Database, 2023
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Compare Auto Insurance RatesFrequently Asked Questions
Is Wisconsin a no-fault insurance state?
No, Wisconsin is a tort state, meaning the at-fault driver is responsible for paying damages. You can file a claim against the other driver's insurance or sue them directly if their coverage is insufficient. This makes higher liability limits important to protect your assets.
Coverage Types
Liability Insurance
The foundation of Wisconsin coverage — bodily injury and property damage liability protect you financially when you cause an accident. State minimums (25/50/10) are insufficient for most accidents involving serious injuries or newer vehicles.
Full Coverage
Bundles liability, collision, and comprehensive to protect both your vehicle and your legal responsibility. Required by lenders if you finance or lease, and recommended for any vehicle worth more than $5,000.
Comprehensive Coverage
Covers non-collision damage like theft, vandalism, hail, falling objects, and animal strikes. Pays to repair or replace your vehicle minus your deductible.
Collision Coverage
Pays to repair your vehicle after an accident with another car or object, regardless of fault. Works alongside liability to protect your own vehicle.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost wages, and vehicle damage in underinsured scenarios.
SR-22 Insurance
A certificate of financial responsibility filed by your insurer to prove continuous coverage after serious violations like DUI, reckless driving, or license suspension.