Wisconsin Minimum Coverage Car Insurance: Requirements and Costs (August 2024)
Wisconsin's minimum coverage liability limits are 25/50/10. The average annual cost for state minimum car insurance in Wisconsin is $426, which is about $36 monthly for a 40-year-old driver.
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By Mark Fitzpatrick
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Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
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Reviewed by Mark Friedlander
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Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Edited by Lukas VeluntaLukas Velunta Senior Editor Lukas Velunta is a MoneyGeek senior editor with over 12 years of experience in economics, finance, management and consumer science content. He also works as a research editor, preparing articles from non-native English speakers for peer review in Q1 journals.
MF
By Mark Fitzpatrick
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Mark Fitzpatrick Head of Insurance, MoneyGeek Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
MF
Reviewed by Mark Friedlander
MF
Mark Friedlander Director, Corporate Communications, Insurance Information Institute Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Edited by Lukas VeluntaLukas Velunta Senior Editor Lukas Velunta is a MoneyGeek senior editor with over 12 years of experience in economics, finance, management and consumer science content. He also works as a research editor, preparing articles from non-native English speakers for peer review in Q1 journals.
Updated: August 13, 2024 Advertising & Editorial DisclosureWisconsin requires drivers to have minimum car insurance coverage, safeguarding against the financial consequences of a mishap. Specifically, state minimum auto insurance necessitates $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage. It also includes uninsured motorist coverage of $25,000 per person and $50,000 per accident. As an at-fault state, Wisconsin holds the responsible party liable for damages in an accident.
The cost of state minimum car insurance in Wisconsin is quite reasonable for drivers looking to satisfy legal requirements. The monthly premium for a typical 40-year-old driver in Wisconsin hovers around $36, varying with different providers.
Why Trust MoneyGeek? MoneyGeek analyzed data from Quadrant Information Services and the Wisconsin Department of Insurance to give you the most accurate cost data for a range of Wisconsin drivers.
These rates reflect the cost of minimum coverage car insurance requirements in Wisconsin as of August 2024.
44,496 Quotes Analyzed 19 Companies Compared 54 ZIP CodesIn Wisconsin, you are required to carry minimum coverage auto insurance to legally operate a vehicle. The amounts for the required coverage in Wisconsin are as follows:
The cost of your premium can be affected by whether the state operates on a fault or no-fault basis. In a fault state. Wisconsin is a fault state, which means that the at-fault driver's insurance typically must cover the costs of bodily injury and property damage resulting from an accident.
ARE COLLISION AND COMPREHENSIVE COVERAGE REQUIRED IN WISCONSIN?Wisconsin does not mandate collision or comprehensive coverage as part of its state minimum auto insurance requirements. However, lending institutions might ask for both collision and comprehensive insurance on financed or leased vehicles. If you own your vehicle outright, the choice to carry these coverages is yours. Still, they can safeguard your investment against a variety of non-collision-related mishaps and collisions. If you are financing or leasing a vehicle in Wisconsin, you're likely required to have collision or comprehensive insurance; otherwise, it's optional coverage.
