Wisconsin Car Insurance Requirements in 2025 (Minimum Coverage for WI Drivers)

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

Explore our car insurance guide to familiarize yourself with Wisconsin’s requirements and learn more about the best insurance companies in Wisconsin.

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.

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.

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.

State 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

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

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

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.