Everything you need to know about insurance basics, like coverage types, limits, cost and more.
Car Insurance & Car Insurance Requirements in Wisconsin
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.