Wisconsin Car Insurance Requirements in 2025 (Minimum Coverage for WI Drivers)
Wisconsin car insurance requirements include 25/50/10 of bodily injury and property damage liability, with monthly beginning rates of $16. Your license and registration may be suspended if you fail to meet the standard requirement. Find ways how to avoid these penalties through our Wisconsin car insurance guide.
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Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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UPDATED: Apr 24, 2025
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 24, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Wisconsin car insurance requirements demand drivers to carry 25/50/10 liability coverage to legally drive in Wisconsin, with monthly rates starting at $16.
Failure to show proof of car insurance may result in an investigation and suspension of your license or vehicle registration.
Wisconsin Car Minimum Insurance Coverage Requirements & Limits
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $10,000 per accident |
Explore our car insurance guide to familiarize yourself with Wisconsin’s requirements and learn more about the best insurance companies in Wisconsin.
- The required auto insurance coverage in Wisconsin is 25/50/10
- Meet your vehicle needs in Wisconsin by comparing coverage options
- Avoid license suspension by reading through our Wisconsin guide
Enter your ZIP code to know more about Wisconsin car insurance requirements and how to avoid license and registration suspension.
Required Minimum Car Insurance in WI and What it Covers
In Wisconsin, all personal vehicles are required to carry specific liability coverage to comply with state law. This includes bodily injury liability with a minimum limit of $25,000 for every person and $50,000 for every accident and property damage liability with a minimum limit of $10,000.
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In addition to these standard requirements, the state also demands bodily injury coverage for uninsured and underinsured motorists, with limits of $25,000 per person and $50,000 per accident. These minimum car insurance requirements are designed to ensure that drivers can cover medical costs and property damage in the event of a road accident, even when the at-fault driver has little or no insurance.
Enter your ZIP code now to understand better the required minimum car insurance in Wisconsin.
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Cheapest Car Insurance Plans Available in Wisconsin
When looking for affordable car insurance in Wisconsin, USAA offers the cheapest rates, followed by State Farm and American Family in second and third place, respectively. USAA has received a high rating with 6,589 reviews, scoring 4.8 out of 5 stars.
6,589 reviewsCompany Facts
Min. Coverage in Wisconsin
A.M. Best Rating
Complaint Level
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6,589 reviews
18,154 reviewsCompany Facts
Min. Coverage in Wisconsin
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
2,235 reviewsCompany Facts
Min. Coverage in Wisconsin
A.M. Best Rating
Complaint Level
Pros & Cons
2,235 reviewsState Farm also has a strong presence, with 18,154 reviews and a 4.3 rating, while American Family Insurance has 2,235 reviews and a 4.1 rating. Monthly rates for minimum coverage insurance in various Wisconsin cities show some variation.
Wisconsin Car Min. Coverage Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Appleton | $70 |
| Eau Claire | $65 |
| Fond du Lac | $63 |
| Green Bay | $68 |
| Janesville | $69 |
| Kenosha | $78 |
| La Crosse | $64 |
| Madison | $72 |
| Milwaukee | $85 |
| Oshkosh | $66 |
| Racine | $76 |
| Sheboygan | $67 |
| Waukesha | $73 |
| Wauwatosa | $74 |
| West Allis | $80 |
For example, in Appleton, rates start at $70; in Milwaukee, they rise to $85. Cities like Eau Claire and Fond du Lac offer lower rates at $65 and $63, respectively. The rates differ across providers depending on the policyholder’s credit score.
Auto Insurance Monthly Rates in Wisconsin by Provider & Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
 | $152 | $168 | $1,824 |
 | $97 | $112 | $1,160 |
 | $97 | $113 | $1,400 |
 | $64 | $89 | $1,159 |
 | $103 | $119 | $1,500 |
 | $102 | $118 | $1,450 |
 | $94 | $112 | $1,753 |
 | $68 | $82 | $896 |
 | $103 | $118 | $1,235 |
 | $57 | $72 | $1,253 |
USAA provides the most affordable rate for those with good credit at $57, while others like Allstate and Liberty Mutual are significantly more expensive.
Auto Insurance Monthly Rates in Wisconsin by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $620 | $740 | $220 | $235 | $200 | $200 | $185 | $190 |
| $630 | $752 | $225 | $241 | $204 | $204 | $187 | $192 |
| $650 | $770 | $230 | $250 | $210 | $210 | $190 | $195 |
| $620 | $740 | $220 | $235 | $200 | $200 | $185 | $190 |
| $640 | $760 | $225 | $245 | $205 | $205 | $188 | $193 |
| $660 | $780 | $235 | $255 | $215 | $215 | $195 | $200 |
| $630 | $750 | $225 | $240 | $205 | $205 | $187 | $192 |
| $610 | $730 | $215 | $230 | $195 | $195 | $180 | $185 |
| $620 | $740 | $220 | $235 | $200 | $200 | $185 | $190 |
| $580 | $700 | $210 | $225 | $190 | $190 | $175 | $180 |
For younger drivers, like a 17-year-old female, rates can be as high as $620 with some providers, but USAA still maintains the lowest cost at $580. Rates continue to decrease for older drivers, with USAA offering the most competitive pricing for men and women across all age groups.
Read more: How to Compare Car Insurance Quotes?
Penalties for Driving Uninsured in Wisconsin
In Wisconsin, drivers must maintain proof of insurance and financial responsibility in several situations, including obtaining an occupational license, reinstating a revoked license, or reinstating after a suspension under the uninsured motorists or safety responsibility laws.
This requirement also applies to all drivers under 18. WisDOT may investigate and suspend your license or vehicle registration if you’re involved in an accident and can’t provide proof of insurance.
Read more: Liability Insurance
Optional Car Insurance Add-Ons for WI Drivers
Comprehensive and collision coverage can pay for damages not covered by your other coverages. Comprehensive coverage will compensate you for costs for incidents, excluding collisions.
This can include events such as having your car broken into, stolen, or damaged by mother nature, such as hail or flooding. Collision will help cover car repairs if your vehicle is involved in an accident.
Comprehensive coverage is essential for vehicles listed as the most stolen in Wisconsin, but it is suitable for any vehicle. Enter your ZIP code now to begin understanding other car insurance coverage in Wisconsin.
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Frequently Asked Questions
What are the minimum car insurance requirements in Wisconsin?
Wisconsin car insurance regulations require minimum liability limits of 50/100/15 and 100/300 Uninsured Motorist (UM) limits.
Is additional coverage recommended in Wisconsin?
Yes, since Wisconsin car insurance laws follow a tort legal system, it’s recommended to get additional coverage for your vehicle.
What is a tort legal system?
A tort system means that after any car accident, someone needs to be named at fault and, along with their insurance company, will be held responsible to cover the costs resulting from any damages and injuries incurred by the accident.
What is comprehensive coverage in Wisconsin car insurance?
Comprehensive coverage can pay for damages not covered by your other coverages. Comprehensive coverage will compensate you for costs (above your deductible) related to incidents excluding collisions. This can include events such as having your car broken into, stolen or damaged by mother nature such as hail or flooding.
How can I show proof of insurance and financial responsibility in Wisconsin?
You can show proof of insurance with WisDOT by providing them an SR-22 form from your insurance company. You must maintain proof of insurance and financial responsibility. If you are in an accident and are not able to show proof of insurance, WisDOT will investigate and could suspend your license or registration.
What happens if I am involved in an accident and cannot show proof of insurance in Wisconsin?
If you are in an accident and are not able to show proof of insurance, WisDOT will investigate and could suspend your license or registration.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.