Minimum Car Insurance in Wisconsin
The liability limits Wisconsin requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Wisconsin requires a motor vehicle liability policy with minimum limits of 25/50/10: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $10,000 for property damage. Wis. Stat. §§ 344.01(2)(d), 344.62, 344.63, 632.32(4)
| Minimum coverage required | Wisconsin requires a motor vehicle liability policy with minimum limits of 25/50/10: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $10,000 for property damage. Policies must also include uninsured motorist coverage of at least $25,000 per person and $50,000 per accident and medical payments coverage of at least $1,000 per person (the named insured may reject medical payments). Alternatives to insurance include a filed bond, a cash or securities deposit, or self-insurance. UM and medical payments: https://docs.legis.wisconsin.gov/document/statutes/632.pdf |
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| At-fault or no-fault | Wisconsin uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Wisconsin among the "Tort States." |
| Uninsured motorist coverage | Uninsured motorist coverage of at least $25,000/$50,000 is required in every auto liability policy. Underinsured motorist coverage is optional: insurers must give one named insured written notice of its availability with a new policy that doesn't include it. Accepting or rejecting UIM after that notice does not need to be in writing, and not paying a UIM premium is conclusive proof that it was rejected. Source: Wis. Stat. § 632.32(4), (4m) |
More Wisconsin car insurance & vehicle laws
- Driving Without Insurance in Wisconsin
- SR-22 Insurance in Wisconsin
- When a Car Is a Total Loss in Wisconsin
- Transferring a Car Title in Wisconsin
- All Wisconsin car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Wisconsin?
Wisconsin requires a motor vehicle liability policy with minimum limits of 25/50/10: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $10,000 for property damage. Policies must also include uninsured motorist coverage of at least $25,000 per person and $50,000 per accident and medical payments coverage of at least $1,000 per person (the named insured may reject medical payments). Alternatives to insurance include a filed bond, a cash or securities deposit, or self-insurance.
Is Wisconsin a no-fault car insurance state?
Wisconsin uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Wisconsin among the "Tort States."
Is uninsured motorist coverage required in Wisconsin?
Uninsured motorist coverage of at least $25,000/$50,000 is required in every auto liability policy. Underinsured motorist coverage is optional: insurers must give one named insured written notice of its availability with a new policy that doesn't include it. Accepting or rejecting UIM after that notice does not need to be in writing, and not paying a UIM premium is conclusive proof that it was rejected.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.