Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
The minimum liability car insurance requirements in Wisconsin are $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $10,000 in property damage liability insurance. These requirements can also be written as 25/50/10.
Liability insurance pays for others' medical expenses and property damage after an accident you were responsible for. In addition, drivers in Wisconsin will need to purchase $25,000 per person and $50,000 per accident in uninsured motorist coverage to satisfy the state's minimum car insurance requirements.
Types of Car Insurance Required in Wisconsin
- Bodily injury liability (BI)
- Property damage liability (PD)
- Uninsured motorist (UM)
If Wisconsin drivers do not purchase at least the minimum amounts of car insurance coverage required by Wisconsin law, they can face penalties for driving without insurance.
Drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder's own injuries or property. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed.
To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in Wisconsin.
People also ask
How much liability insurance do I need?
You need enough liability insurance to cover your net worth. Having coverage equal to the value of the assets you own and all the money you have, minus your debt, protects you financially in case of a serious car accident.
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read full answerIs uninsured motorist coverage required in Wisconsin?
No, uninsured motorist coverage is not required in Wisconsin, as drivers can reject the coverage in writing. Still, insurance companies are required to offer at least $25,000 in uninsured motorist bodily injury coverage per person (up to $50,000 per accident).
Uninsured motorist bodily injury (UMBI) coverage pays for the medical bills of the policyholder and their passengers who were injured in an accident with an uninsured motorist. The per-person limit applies to each person injured, while the per-accident...
read full answerIs personal injury protection required in Wisconsin?
No, personal injury protection (PIP) is not required in Wisconsin. PIP is not even available in Wisconsin. Instead of PIP insurance, Wisconsin insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.
MedPay is similar to PIP insurance in that both handle your medical bills even if you cause a car accident. But MedPay covers less than personal injury protection, with no provisions for lost...
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