The General® is happy to provide the state of Wisconsin with affordable auto insurance. We can provide a quote online or over the phone even if you have a less than perfect credit or driving history, let your policy lapse, or have a suspended or revoked license.

The information below answers some of the more common questions that Wisconsin residents may have about auto insurance.

Minimum Level of Coverage

Wisconsin law requires you to have auto liability insurance. If you drive in Wisconsin, you must show that you can pay for accidents you cause. Most Wisconsin drivers do this by buying auto liability insurance. The statutory minimum limits of liability insurance in Wisconsin are:

Bodily injury (BI) liability

$25,000 per person, $50,000 per accident for bodily injury to others. 

Property damage (PD) liability

$10,000 per accident for damage to the property of others.

Uninsured Motorist (UM) coverage

$25,000/$50,000 each for bodily injury only.

Frequently Asked Questions Regarding Wisconsin Auto Insurance

Why should I buy auto insurance?

If you cause an auto accident, you may be responsible for the losses of the other people involved. If you do not have insurance, anything of value that you own may be taken to pay for those losses. By purchasing auto liability insurance you can help protect yourself so this doesn’t happen.

What is “Bodily Injury Liability”?

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else’s vehicle. It may also cover others who driver your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.

What is “Property Damage Liability”?

This coverage pays for damages you or members of your family cause (and are liable for) to other people’s property in a crash involving a motor vehicle.

What is “Uninsured Motorist” or “Underinsured Motorist” coverage?

Under an auto policy, this is protection for the insured against bodily injury or property damage caused by the negligence of an uninsured or underinsured motorist.  These coverages are available separately in the state of Wisconsin.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Office of the Commissioner of Insurance
Wisconsin Department of Transportation
Wisconsin State Patrol
The Official State of Wisconsin website