Wisconsin Auto Insurance: Minimum Coverage & 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 as a traditional tort state where the at-fault driver pays for damages. The state mandates proof of financial responsibility through continuous insurance coverage, verified via electronic reporting to the Wisconsin Department of Transportation. Unlike most states, Wisconsin is one of only 11 states that requires uninsured motorist coverage as part of the legal minimum — you cannot legally decline it unless you reject it in writing.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
Underinsured Motorist Coverage
Cost Overview
$45–$57/mo
Typical monthly rate in Wisconsin, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Winter weather contributes to Wisconsin's higher-than-average comprehensive claims — deer collisions peak November through January, and hail damage is common May through August in southern counties.
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The foundation of Wisconsin's legal minimum, covering injuries and property damage you cause to others. The 25/50/10 limits protect only the first $25,000 per injured person and $10,000 in property damage — you pay everything above those thresholds from personal funds.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when hit by a driver with no insurance. This is your only financial protection if an uninsured driver totals your car or sends you to the hospital — without it, you absorb 100% of the costs.
Full Coverage
Combines liability, uninsured motorist, collision, and comprehensive into a complete package. Collision pays to repair your vehicle after an accident regardless of fault; comprehensive covers theft, vandalism, weather damage, and animal strikes.
Collision Coverage
Pays to repair or replace your vehicle after you hit another car, object, or roll over, minus your deductible. With a $500 deductible, you pay the first $500 of damage, and the insurer pays the rest up to your car's actual cash value.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, fire, hail, flood, and animal strikes. Wisconsin ranks in the top 10 states for deer collisions — 1 in 72 drivers will hit a deer annually, with average repair costs of $4,000–$6,000.
SR-22 Insurance
Not a separate coverage type but a certificate proving you carry at least state minimum insurance. Required after certain violations like DUI, driving without insurance, or multiple at-fault accidents — the SR-22 filing itself costs $25–$50, but the underlying violations increase your premiums 60–120%.