States
Wisconsin minimum car insurance: 25/50/10
At least $25,000 per person, $50,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Wisconsin minimum: 25/50/10 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$95,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Wisconsin's insurance commissioner publishes a consumer guide with details that are easy to miss. Drivers must have a policy, or in limited situations other security such as a surety bond, personal funds or a certificate of self-insurance. Liability is $25,000 for one person, $50,000 for two or more and $10,000 for property. Uninsured motorist cover of 25/50 is required for bodily injury. Underinsured cover is not mandatory and may be rejected, but if you ask for it the minimum limits are $50,000 per person and $100,000 per accident, which is higher than the liability floor. If you choose medical payments cover, the minimum is $1,000. Where a car secures a loan, the guide says the lender will require insurance. We read no fine or suspension figure on that guide, so we show none. Check the three lines of a policy written elsewhere: property is the one that can differ.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Wisconsin
The figure to watch here is the last one: $10,000 of property cover is thin against the price of one late-model car, whatever the injury limits say.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Wisconsin.
What else we read for Wisconsin
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Uninsured motorist cover of $25,000 per person and $50,000 per accident is required; underinsured cover may be rejected. | official text |
| Penalties | Not verified | None read |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.