Wisconsin Auto Insurance Requirements Explained

State‑mandated coverage limits

Wisconsin law requires a minimum of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage (25/50/10). These limits apply to every vehicle you own and must be carried at all times.

Proof of insurance you must carry

Drivers must keep an insurance card or electronic proof in the vehicle. The card must show the insurer's name, policy number, effective dates, and the required coverage limits. Police can request this during a traffic stop or after an accident.

How to meet the requirements

Purchase a policy that lists the required limits, or add a "minimum coverage" endorsement to an existing policy. Many insurers offer a Wisconsin‑specific package that bundles liability with optional uninsured/underinsured motorist protection, which is not required but often recommended.

Additional considerations and optional coverages

While not mandatory, comprehensive and collision coverage protect your own vehicle from damage caused by non‑collision events. Adding personal injury protection (PIP) or medical payments can help cover medical expenses not covered by liability limits.

Common pitfalls to avoid

• Assuming a driver's license alone proves you have insurance; you still need the card.
• Relying on an out‑of‑state policy that doesn't meet the 25/50/10 limits.
• Letting a policy lapse; lapses trigger a reinstatement fee and possible surcharge.

Comparison of typical coverage options