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 where the at-fault driver is financially responsible for damages. The state requires all drivers to carry proof of financial responsibility, enforced through electronic verification with the Wisconsin Department of Transportation. Wisconsin is one of the few states that still allows self-insurance bonds as an alternative to traditional policies for drivers who meet specific financial thresholds.
Bodily Injury Liability
Property Damage Liability
Uninsured 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 drives comprehensive claims—Wisconsin averages 46 inches of snow annually, contributing to animal collisions (especially deer strikes) and weather-related damage that peaks November through February.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Wisconsin a no-fault insurance state?
No, Wisconsin operates under a traditional tort system where the at-fault driver is liable for damages. Injured parties can file claims against the at-fault driver's insurance and sue for damages exceeding policy limits. This differs from no-fault states where each driver's insurance covers their own injuries regardless of fault.
Does Wisconsin require SR-22 insurance?
Wisconsin requires SR-22 filing for drivers with DUI convictions, multiple violations, license suspensions, or at-fault accidents while uninsured. The SR-22 is a certificate your insurer files with Wisconsin DOT proving continuous coverage, typically required for three years. Any lapse triggers automatic license suspension until you reinstate coverage and pay fees.
Coverage Types
Liability Insurance
Required 25/50/10 minimum covers others' injuries and property damage when you're at fault. Most Wisconsin agents recommend at least 100/300/100 to protect assets in lawsuits, as state minimums leave you personally liable for excess damages.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both you and your vehicle. Covers repair or replacement after accidents, theft, vandalism, weather damage, and animal strikes with your chosen deductible.
Comprehensive Coverage
Pays for vehicle damage from non-collision events including theft, vandalism, fire, hail, flooding, falling objects, and animal collisions. You select a deductible (commonly $250–$1,000) that applies per claim.
Collision Coverage
Covers damage to your vehicle after hitting another car, object, or rolling over, regardless of fault. Required by lenders on financed vehicles; optional once the loan is paid off.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage to pay your damages. Covers medical expenses, lost income, pain and suffering, and vehicle damage depending on policy structure.
SR-22 Insurance
Not a separate coverage type but a certificate filed with Wisconsin DOT proving you carry required insurance after license suspension, DUI, or serious violations. Required for periods typically ranging from three years.