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Wisconsin Auto Insurance Requirements

In Wisconsin you are "NOT" required by state law to purchase auto insurance but you must be able to demonstrate that you are able to provide sufficient funds to meet Wisconsin Motor Vehicle Financial Responsibility Requirements. If you buy Auto Insurance in Wisconsin, the minimum limits available for Liability Coverage are 25/50/10.

Wisconsin Auto Insurance Coverage Minimum Limits:
Bodily Injury Liability $25,000/$50,000 - Property Damage Liability $10,000
Uninsured/Underinsured Bodily Injury $25,000/$50,000

*Wisconsin doesn't mandate purchasing auto insurance, but you must be financially responsible for your actions.

Wisconsin currently has a tort insurance system in place meaning there is always a person found at fault when an accident occurs. The person found at fault and there insurance company is responsible to pay for any damage incurred from the accident. Each state maintains it's own Tort Systems.

To protect you from injuries caused by an uninsured and/or underinsured driver. Uninsured/Underinsured Bodily Injury coverage is available. The state of Wisconsin require drivers to purchase this coverage if they purchase auto insurance. You must then maintain a minimum limit of $25,000 per person up to a total of $50,000 per accident for any bodily injury UM coverage.

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