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Wisconsin car insurance

Wisconsin Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Wisconsin mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Alternatively, drivers can place a $60,000 cash deposit with the Wisconsin Department of Transportation or post a bond from an insurance company licensed in the state.

Failure to provide adequate proof of insurance can result in license and registration suspension. Drivers must also provide proof of insurance when reinstating a driver’s license or vehicle registration.

Wisconsin Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Wisconsin they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Wisconsin Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Wisconsin recommends but does not require everyone to carry minimum UM/UIM coverage of $50,000 per person and $100,000 per accident.

No Fault Insurance
In Wisconsin, you are not required to carry no-fault insurance. Wisconsin is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.