Wisconsin Auto Insurance Information
Under Wisconsin law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily
Injury Liability (BIL) insurance, as well as at least $10,000 in Property Damage Liability (PDL) coverage. BIL
covers the medical and other accident-related expenses of the other driver, pedestrian or cyclist when the
insured is at fault, while PDL pays for the other driver’s vehicle and other property damage. Neither BIL nor
PDL pays for the insured’s accident-related expenses.
Wisconsin also requires drivers to purchase a minimum of $25,000 per person and $50,000 per accident in uninsured
motorist coverage. Underinsured motorist coverage is not required.
Keep in mind that these are the minimum amounts of required coverage, and most people should consider purchasing
additional insurance to protect their personal assets in case of a serious car accident.
While Wisconsin does not require collision and comprehensive coverage, lenders will almost certainly mandate this
insurance for financed or leased vehicles.
SR-22 Insurance in Wisconsin
Drivers who lose their license for certain traffic and other violations must have their insurance company file an
SR-22 form, a certificate of financial responsibility, with the Wisconsin Department of Transportation (WDOT)
before license reinstatement. An SR-22 is required after the revocation of either the license or registration or
if the suspension relates to driving without insurance. In Wisconsin, an SR-22 is not mandated for a first-time
driving while intoxicated conviction. SR-22 insurance is required for three years from the license reinstatement
Wisconsin permits drivers an alternative to SR-22
insurance in the form of $60,000 cash or a surety bond posted with the WDOT.
Wisconsin Driver Statistics
Approximately 5.8 million people call the Badger State home, and about 4.2 million of them hold drivers’
licenses. Bordered by two Great Lakes — Superior and Michigan — Wisconsin has long been an outdoor lover’s
Key industries in the state include agriculture, aerospace, advanced manufacturing, biohealth, forestry, energy,
and information technology. While it’s so well-known for cheese manufacturing that it has earned the nickname of
America’s Dairyland, and calling a native a “Cheesehead” is not an insult, Wisconsin also leads the nation in
the production of organic oat, corn, and bean production.
Major tourist attractions in Wisconsin include architect Frank Lloyd Wright’s Taliesin, in Spring Green; the
Oshkosh Airshow held each summer; the Harley-Davidson Museum in Milwaukee; the Circus World Museum in Baraboo
and the National Railroad Museum in Green Bay. For football enthusiasts, Green Bay is also home to The Green Bay
Packers Lambeau Field and Walk of Legends. Explore the Land O’ Lakes regions in the northern part of the state,
with boating, camping, hiking, fishing, horseback riding and swimming in summer, and winter activities including
snowshoeing and cross-country skiing. The state boasts an extensive trail network for hikers and bikers. Beer
lovers should enjoy tours of Milwaukee-area breweries.
Wisconsin Auto Insurance & Accident Facts
In 2018, 280 people lost their lives on Wisconsin roadways, in a total of 254 fatal crashes. That was down from
the 287 killed in 2017 and 290 dead in 2016. The average number of traffic fatalities in Wisconsin over the five
years from 2014 to 2018 is 264 fatalities in 240 fatal crashes. In 2018, 175 motor vehicle drivers were killed,
along with 45 passengers. Thirty-four motorcycle drivers were killed, along with four passengers. Three of the
dead were bicyclists, and 19 were pedestrians.