Wisconsin Auto Insurance Requirements: 25/50/10, UM/UIM, and Winter-Road Reality
Wisconsin requires 25/50/10 liability plus mandatory UM coverage. Here's what WI drivers need to know about minimums, winter crash exposure, and deer strikes.
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Get a Free QuoteWisconsin Minimums and Mandatory UM
Wisconsin requires 25/50/10 in liability ($25,000 bodily injury per person, $50,000 per accident, $10,000 property damage) plus 25/50 in uninsured motorist (UM) coverage. Wisconsin is a traditional at-fault state — the driver who causes the crash is responsible for the other party's damages.
Wisconsin's mandatory UM statute is a critical consumer protection. Even if the at-fault driver has no insurance (a material share in some WI counties), your own UM coverage pays for injuries you or your passengers sustain.
Why WI Drivers Need More Than the Minimum
Wisconsin winter conditions, deer strikes, and I-94 commuter volume through Milwaukee and Madison concentrate serious crashes. A single ER visit plus inpatient care in WI easily exceeds the $25,000 per-person bodily-injury minimum, let alone multi-injury scenarios.
VKOVR recommends WI drivers carry 100/300/100 liability, 100/300 UM/UIM, and comp + collision (comprehensive is essential for deer strikes, hail, and winter weather damage). Milwaukee-area drivers with elevated theft exposure also benefit from theft-specific vehicle-security discounts.
Deer Strikes, Ice-Storm Driving, and SR-22 Filings
Wisconsin averages tens of thousands of deer-vehicle collisions per year, concentrated October–December. Deer strikes are paid under comprehensive (not collision), so WI drivers who skip comp to save $50/year often face $3K–$8K out-of-pocket after a single deer hit.
WI SR-22 filings are required after certain DUI, suspension, and at-fault uninsured incidents. VKOVR places WI SR-22 risk across substandard-carrier markets and coordinates filings with the WI DMV so reinstatement isn't delayed by paperwork errors.
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