Find My Rate
Field report · WI

Car insurance in Wisconsin

Wisconsin is an at-fault state with a minimum liability requirement of 25/50/10. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/101
Fault systemAt-fault1
Uninsured motoristRequired1
RegulatorWisconsin Department of Transportation, Division of Motor Vehicles

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

$451 a year for minimum coverage, $1,902 for full coverage2

Average annual premiums in Wisconsin for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

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 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.

Sources

  1. MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
  2. Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

See what fits your situation in Wisconsin

Two minutes, no phone number required until the last step.

Start the match →