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 traditional tort liability system, meaning the at-fault driver is financially responsible for accident damages. The state requires proof of financial responsibility through insurance, a surety bond, or a self-insurance certificate filed with the Wisconsin Department of Transportation. Drivers must carry proof of insurance at all times and present it during traffic stops or after accidents.
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
What Affects Your Rate
- Winter weather claims spike November through March as freeze-thaw cycles create potholes and black ice on I-43, I-90, and I-94, increasing comprehensive and collision premiums statewide.
Check Your Rate Against the Market
Compare Auto Rates for FreeFrequently Asked Questions
Is Wisconsin a no-fault insurance state?
No, Wisconsin operates under a traditional tort liability system. The at-fault driver's insurance pays for injuries and property damage caused in an accident. Injured parties can sue the at-fault driver for damages exceeding policy limits, making higher liability coverage important to protect personal assets.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Wisconsin's 25/50/10 minimum is legally adequate but financially inadequate for serious accidents.
Full Coverage
Combines liability, collision, comprehensive, and uninsured motorist into a complete protection package required by auto lenders and recommended for vehicles worth over $5,000.
Comprehensive Coverage
Pays for non-collision damage including theft, vandalism, weather events, falling objects, and animal strikes minus your deductible.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or a hit-and-run driver who flees the scene.
Collision Coverage
Repairs or replaces your vehicle after crashes with other cars or objects, regardless of fault, minus your chosen deductible.
SR-22 Insurance
Certificate of financial responsibility filed with the state after serious violations like DUI, reckless driving, or driving without insurance.