Car insurance in Wisconsin
Wisconsin is a at-fault state with a minimum liability requirement of25/50/10. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage - a lower PD minimum than several neighboring states, worth flagging as a possible coverage gap.
UM bodily-injury coverage of at least 25/50 (matching liability limits) is mandated on every policy.
Estimated cost
Illustrative estimate: roughly $530-$540/year for minimum coverage.
Why this is a range, not a quote
SR-22 & high-risk filings
Typically required after a DUI/OWI, driving uninsured, or reckless driving.
Local conditions worth knowing
Wisconsin ranks among the top states nationally for deer-vehicle collision risk, driven by dense deer populations and heavily wooded rural highways.
Frequently asked
- What is the minimum car insurance requirement in Wisconsin?
- Wisconsin requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage - a lower PD minimum than several neighboring states, worth flagging as a possible coverage gap.
- Is Wisconsin an at-fault or no-fault state?
- Wisconsin is an at-fault at-fault state for car insurance claims.
- Do I need an SR-22 in Wisconsin?
- Typically required after a DUI/OWI, driving uninsured, or reckless driving.
- Is uninsured motorist coverage required in Wisconsin?
- UM bodily-injury coverage of at least 25/50 (matching liability limits) is mandated on every policy.
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