Wisconsin Minimum Car Insurance Requirements
In Wisconsin, liability car insurance is mandatory for all drivers. Liability insurance covers only the other car and/or that car’s driver and passengers when you are found at fault for the accident. Your liability insurance minimums for Wisconsin are:
- $25,000 bodily injury liability for one person
- $50,000 bodily injury liability for more than one person
- $10,000 property damage liability per accident
Uninsured motorist coverage pays medical claims that are the fault of the other driver when they either have no insurance or the case of a hit-and-run.
- $25,000 bodily injury liability per person
- $50,000 bodily injury per accident to you and your passengers
Underinsured motorist coverage applies to personal injuries caused by a driver with inadequate insurance. It kicks in after their personal injury coverage has reached the max.
- $50,000 bodily injury liability per person
- $100,000 bodily injury per accident to you and your passengers
In addition to having car insurance, Wisconsin also requires proof of that insurance during a police stop.
While the minimum car insurance requirements in Wisconsin are predefined, they are not meant to be a cap on how much coverage you can or should get. You may opt for more coverage than the state minimums to protect your financial assets and your vehicle and/or passengers.
If you’re interested in getting a car insurance quote in Wisconsin, contact your American Family Insurance agent to discuss what type of protection is best for your needs and what discounts may apply in your region.
The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.