Auto Insurance Minimum Requirements
Wisconsin requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage — commonly written as 25/50/10. Wisconsin is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is mandatory. Personal Injury Protection (PIP) is not required.
Important Notes
Wisconsin mandates $1,000 in Medical Payments (MedPay) coverage on all standard policies.
Uninsured / Underinsured Motorist
UM is strictly required for bodily injury claims at a minimum limit of 25/50. UIM is optional.
SR-22 Filings
Required for a 3-year duration following a DUI conviction or serious dynamic traffic violations.
Alternatives to Insurance
A cash deposit or corporate bond filed under state structural guidelines.
Fine
Up to $500
License / Registration
Suspension: Yes
SR-22 Required After
Yes
What is the minimum car insurance required in Wisconsin?
Wisconsin requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. This is written as 25/50/10 coverage.
Is Wisconsin a no-fault state?
No, Wisconsin is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Wisconsin?
Yes. Wisconsin requires uninsured motorist (UM) coverage. UM is strictly required for bodily injury claims at a minimum limit of 25/50. UIM is optional.
What happens if I drive without insurance in Wisconsin?
Driving without insurance in Wisconsin can result in fines of Up to $500 and license/registration suspension. An SR-22 certificate is typically required to reinstate your driving privileges.
Do I need an SR-22 in Wisconsin?
SR-22 filings are used in Wisconsin for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for a 3-year duration following a DUI conviction or serious dynamic traffic violations.
What does 25/50/10 mean in Wisconsin?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Wisconsin Department of Transportation
More Wisconsin Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Wisconsin Department of Transportation publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.