Wisconsin car insurance: minimums, prices and your estimate
Wisconsin requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
Wisconsin is an at-fault state where every policy must include uninsured motorist coverage and, unless you reject it, at least $1,000 of medical payments coverage. Insurers must tell you about underinsured coverage, but buying it is your choice.
- Legal minimum
- 25/50/10
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Optional
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Wisconsin can expect to pay
Monthly ranges from our model, anchored to Wisconsin's position in 7 published price studies from 2025 and 2026 ($2,147 a year for full coverage and $529 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $154-$204 | $2,147 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $38-$50 | $529 |
| Young driver, full coverage20, own policy, clean record | $287-$429 | $4,294 |
| Senior, full coverage70, clean record | $148-$196 | $2,061 |
| After one at-fault accident35, full coverage | $231-$306 | $3,221 |
| After a DUI35, full coverage | $269-$403 | $4,036 |
| Poor credit35, clean record, full coverage | $274-$395 | $4,015 |
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Rules worth knowing in Wisconsin
- Uninsured motorist coverage is required at no less than $25,000 per person and $50,000 per accident. If you add underinsured coverage, its limits must be at least $50,000 per person and $100,000 per accident.
- Your insurer only has to tell you once, in writing, that underinsured coverage is available. You do not have to answer in writing, and not paying for it counts as turning it down.
- Medical payments coverage of at least $1,000 per person is included unless you reject it. Wisconsin has no PIP requirement.
- Driving without insurance can bring a fine of up to $500. You must carry proof of insurance and show it when asked, or face a $10 fine.
- Instead of a policy, you can use a bond, a $60,000 cash or securities deposit, or certified self-insurance.
- If Wisconsin requires you to file an SR-22, how long you must keep it depends on the reason it was required, so check the period with the Wisconsin DMV.
Questions about Wisconsin car insurance
What is the minimum car insurance in Wisconsin?
Wisconsin requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
How much is car insurance in Wisconsin per month?
For a 35-year-old with a clean record, our model puts full coverage at about $154 to $204 a month and state-minimum coverage at about $38 to $50. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Wisconsin a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Wisconsin use my credit score?
Yes. Many insurers in Wisconsin use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Wisconsin?
Only if a court or the state requires one, usually after a serious violation or a lapse. If Wisconsin requires you to file an SR-22, how long you must keep it depends on the reason it was required, so check the period with the Wisconsin DMV.