Wisconsin Car Insurance
Wisconsin drivers must carry 25/50/10 liability under Wis. Stat. § 344.151 (or a $60,000 combined single limit). UM is required at 25/50 on every policy under Wis. Stat. § 632.322; UIM must be offered at 50/100 and may be rejected in writing. MedPay is must-offer under § 632.32(4m)2.
YesWeSure Bottom Line
UM required, UIM must-offer. Wisconsin is unusual: UM is compulsory at 25/50 on every policy, but UIM is not required at the floor and must only be offered at 50/100. If you want underinsured protection, you must affirmatively buy it2.
Traditional tort state. Wisconsin does not require PIP. MedPay is must-offer under § 632.32(4m) but optional to purchase4.
How to make a real decision. Treat 25/50/10 as a floor. For how to think about UIM and MedPay, see medical payments coverage and how to choose coverage limits.
State requirements at a glance
What Wisconsin car insurance law requires
Minimum liability limits
25 / 50 / 101
$25,000 bodily injury per person, $50,000 per accident, $10,000 property damage per accident, under Wis. Stat. § 344.15. A $60,000 combined single limit also satisfies the minimum.
Personal Injury Protection (PIP)
Not required2
Wisconsin is a traditional tort state. No PIP is required on personal auto. MedPay is must-offer under Wis. Stat. § 632.32(4m); purchase is optional.
Uninsured Motorist (UM)
25 / 50 BI required2
Wis. Stat. § 632.32 requires Uninsured Motorist bodily-injury coverage at 25/50 on every Wisconsin personal auto policy.
Underinsured Motorist (UIM)
Must offer at 50 / 1002
Wis. Stat. § 632.32 requires insurers to offer UIM at 50/100. The named insured may reject UIM in writing or purchase it at the offered limits. UIM is not required at the floor.
Medical Payments (MedPay)
Must offer2
Wis. Stat. § 632.32(4m) requires insurers to offer MedPay on every personal auto policy; purchase is optional.
Coverage verification
Wisconsin DMV insurance verification3
Proof of coverage is required at traffic stops and crashes. A confirmed lapse can trigger penalties under Wis. Stat. § 344.62.
Rate approval regime
WI OCI oversight4
Wisconsin does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/10 compulsory liability
Wis. Stat. § 344.15 compels every registered Wisconsin vehicle to carry 25/50/10 liability1. A $60,000 combined single limit also satisfies the minimum. Many Wisconsin drivers carry higher limits.
PIP: not required in Wisconsin
Wisconsin does not require Personal Injury Protection. MedPay is a must-offer first-party add-on under Wis. Stat. § 632.32(4m); purchase is optional2. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM required at 25/50; UIM must-offer at 50/100
Wis. Stat. § 632.32 requires UM bodily-injury coverage at 25/50 on every Wisconsin personal auto policy2. UIM is a different animal: insurers must offer UIM at 50/100, but UIM is not required at the floor. The named insured may reject UIM in writing or purchase it at the offered limits.
DMV verification and lapse enforcement
Proof of coverage is required at traffic stops and crashes under Wisconsin DMV rules5. A confirmed lapse can trigger penalties under Wis. Stat. § 344.623. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Wisconsin does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4. Rating is overseen by the Wisconsin Office of the Commissioner of Insurance through filings.
Where the Wisconsin situation rules live on YesWeSure
This State Guide owns the Wisconsin pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Wisconsin SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. DMV consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Wisconsin. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/10 minimum liability (or $60,000 CSL) under Wis. Stat. § 344.15 verified against the statute.
- StrongUM required at 25/50 BI under Wis. Stat. § 632.32 verified against the statute. Every Wisconsin personal auto policy includes UM at the floor.
- StrongUIM must-offer at 50/100 under Wis. Stat. § 632.32 verified against the statute. UIM is not required at the floor; the named insured may reject UIM in writing.
- StrongMedPay must-offer under Wis. Stat. § 632.32(4m) verified against the statute. Purchase is optional.
- StrongWisconsin is a traditional tort state (no PIP) verified against the OCI consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongDMV insurance verification and penalties under Wis. Stat. § 344.62 verified against the statute and the Wisconsin DMV consumer page.
- LimitedDeliberately omitted from V1. A Wisconsin modeled cost anchor; carrier-specific WI underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Wisconsin-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Wisconsin?
25/50/10 liability (or $60,000 combined single limit) under Wis. Stat. § 344.151, plus UM at 25/50 on every policy under Wis. Stat. § 632.322.
Is Wisconsin a no-fault state?
No. Wisconsin is a traditional tort state and does not require PIP4.
Is UIM required in Wisconsin?
No. UIM is must-offer at 50/100 under Wis. Stat. § 632.32 but is not required at the floor. The named insured may reject UIM in writing2.
Sources & methodology
- Wis. Stat. § 344.15: compulsory motor vehicle liability insurance; 25/50/10 minimum limits or $60,000 CSL alternative. (Wisconsin State Legislature, TIER 1)
- Wis. Stat. § 632.32: motor vehicle insurance policies. UM required at 25/50; UIM must-offer at 50/100; MedPay must-offer under subsection (4m). (Wisconsin State Legislature, TIER 1)
- Wis. Stat. § 344.62: compulsory insurance; proof of coverage; penalties for operation without insurance. (Wisconsin State Legislature, TIER 1)
- Wisconsin Office of the Commissioner of Insurance: Automobile Insurance consumer guide. (Wisconsin Office of the Commissioner of Insurance, TIER 1)
- Wisconsin DMV: Insurance Requirements consumer page. (Wisconsin Department of Transportation Division of Motor Vehicles, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Wisconsin Statutes, Wisconsin Office of the Commissioner of Insurance, Wisconsin DMV). Every legal number traces to a Wisconsin primary source: Wis. Stat. §§ 344.15, 344.62, 632.32. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .