Wisconsin Car Insurance Requirements

Minimum Coverage Requirements

Wisconsin requires drivers to carry minimum liability insurance of 25/50/10 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage.

Average Car Insurance Costs in Wisconsin

Drivers in Wisconsin typically pay approximately $1,100 per year ($92/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Wisconsin

State Regulations and Key Rules

Wisconsin is an at-fault state. Uninsured motorist coverage is required. Wisconsin uses a modified comparative fault rule (51% bar). The state's harsh winters and large deer population increase specific claim types.

What Makes Wisconsin Unique

Wisconsin requires uninsured motorist coverage, providing baseline protection. The state consistently ranks among the top in deer-vehicle collisions nationally, making comprehensive coverage a practical necessity for most drivers.

Uninsured Drivers in Wisconsin

Approximately 14.3% of drivers in Wisconsin are estimated to be uninsured.

Risk Factors Specific to Wisconsin

Wisconsin has one of the highest deer-vehicle collision rates in the nation — comprehensive coverage is critical, particularly from October through December. Milwaukee sees elevated vehicle theft rates. Winter driving across the state is hazardous; Lake Michigan produces lake-effect snow in eastern Wisconsin.

What Wisconsin’s Minimum Actually Covers

Wisconsin’s minimum is 25/50/10: $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage. With new vehicles averaging roughly $50,000, the $10,000 property damage limit would leave about $40,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Wisconsin

Wisconsin also requires uninsured motorist coverage, which pays when the at-fault driver has no insurance or too little. Medical payments coverage of at least $1,000 is also part of the required package.

How Wisconsin Compares: Uninsured Drivers and Price

An estimated 14.3% of Wisconsin drivers are uninsured — roughly 1 in 7 — a middle-of-the-pack uninsured rate. At that rate, uninsured motorist coverage is one of the most valuable add-ons you can buy.

Our average premium estimate of $1,100 a year puts Wisconsin among the ten least expensive states in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Wisconsin

Milwaukee rates are above the Wisconsin average due to urban congestion and theft — Madison and smaller cities offer more affordable premiums. Comprehensive coverage for deer collisions is essentially mandatory — Wisconsin ranks near the top nationally for deer-vehicle incidents. Good driver discounts are competitive statewide.

• Wisconsin's minimum liability requirement of 25/50/10 is the legal floor, not a safe target — since PIP isn't required in Wisconsin, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 14.3% of Wisconsin drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Wisconsin?

25/50/10: $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability.

Is Wisconsin a no-fault state?

No. Wisconsin is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

Is uninsured motorist coverage required in Wisconsin?

Yes. Wisconsin requires uninsured motorist coverage.

How many drivers are uninsured in Wisconsin?

An estimated 14.3% of Wisconsin drivers are uninsured, roughly 1 in 7.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.