Auto insurance is more than just a legal requirement — it’s protection for your finances, your vehicle, and your peace of mind. Whether you’re a new driver or just looking to better understand your policy, this guide breaks down everything you need to know about Wisconsin auto insurance coverage.
Is Auto Insurance Required in Wisconsin?
Yes. Wisconsin law requires all drivers to carry a minimum level of auto insurance to legally operate a vehicle.
Wisconsin Auto Insurance Minimum Requirements
Here’s what the state requires at a minimum:
1. Liability Coverage
This pays for injury or damage to others if you’re at fault in an accident.
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Bodily Injury Liability:
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$25,000 per person
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$50,000 per accident
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Property Damage Liability:
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$10,000 per accident
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2. Uninsured Motorist Coverage (UM)
This protects you if you’re hit by a driver who doesn’t have insurance.
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$25,000 per person / $50,000 per accident
✅ Note: Underinsured motorist coverage is optional in Wisconsin, but strongly recommended.
🛡️ Optional Coverages to Consider
While the minimums meet legal requirements, they often don’t provide enough protection in real-world accidents. Many drivers choose to add the following:
Collision Coverage
Covers damage to your vehicle after a crash — regardless of who’s at fault.
Comprehensive Coverage
Covers non-collision events like theft, vandalism, hail, fire, or hitting a deer.
Medical Payments Coverage
Helps cover medical expenses for you and your passengers after an accident.
Rental Reimbursement
Pays for a rental car while yours is being repaired after a covered claim.
Towing & Roadside Assistance
Help when you need a tow, a jump start, or a flat tire fixed.
Why Minimum Coverage May Not Be Enough
Wisconsin’s minimum limits may leave you financially vulnerable in a serious accident. For example, if you total a newer car or someone is seriously injured, medical and repair bills can quickly exceed those minimums.
We often recommend higher liability limits and full coverage (collision + comprehensive) — especially if you have a loan or lease on your vehicle.
Auto insurance doesn’t have to be confusing. With the right guidance, you can feel confident knowing you’re protected every time you hit the road. Trust a local Wisconsin agency that puts your needs first-
Work with a Local Independent Agent
At the Bremberger Insurance Agency, we help Wisconsin drivers:
Understand their options
Customize coverage to fit their budget and lifestyle
Avoid costly gaps in protection
Ready for a Free Auto Insurance Review?
Let us help you make sure you’re covered — not just compliant.
Call us at 414-220-0400
Visit www.brembergeragency.com or www.facebook.com/BrembergerInsuranceAgency
Or message us for a fast, free quote
Jim Bremberger has worked in the insurance industry since 2009, gaining extensive experience with minor and significant claims that can significantly impact a family without adequate coverage. By joining the independent sector and teaming up with many insurance carriers, he can offer exceptional coverage at competitive rates for residents all over Wisconsin.