Minimum car insurance in Wisconsin.
What Wisconsin requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Wisconsin, the minimum liability limits are written 25/50/10 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $10,000 for property damage.
How the system works
Wisconsin is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. UM bodily injury required at 25/50. UIM and med pay are optional.
What the minimum means in practice
Say a crash you cause injures three people. The Wisconsin minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $10,000.
If you drive without insurance in Wisconsin
Driving uninsured carries a forfeiture of up to $500 (set at $50 in 2024, $200.50 with costs and surcharges), and failing to provide proof carries a $10 forfeiture. An uninsured driver in a crash with injury or at least $1,000 in property damage must deposit security with DOT or have their license, and owned registrations, suspended.
Proof of insurance
Drivers must have proof of liability coverage in immediate possession, in printed or electronic form, and show it to any traffic officer on demand.
SR-22 and similar filings
Wisconsin requires a certification of insurance, commonly called an SR-22, to reinstate a license or registration.
Also worth knowing in Wisconsin
Wisconsin officers may not stop or inspect a vehicle solely to check for liability coverage or proof of it.
Your state regulator
Wisconsin Office of the Commissioner of Insurance is the official place for consumer questions and complaints about insurers.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Wisconsin a no-fault state?
Wisconsin is generally an at-fault state.