Is Wisconsin a no-fault state?
No. Wisconsin is an at-fault state. If you cause a crash that injures others, your liability insurance pays their claims.
Last checked November 9, 2026 · Official sources (4)
How does Wisconsin car insurance work?
“If you cause an accident injuring other people, it protects you from their claims up to the stated amounts for medical expenses, lost wages, pain and suffering, and other losses.”
Wisconsin Office of the Commissioner of Insurance
What is Wisconsin's minimum car insurance?
| Coverage | What Wisconsin requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $10,000 |
| Uninsured motorist | Uninsured motorist coverage of $25,000/$50,000 for injuries is required. |
Other at-fault states
Questions
How much insurance does Wisconsin require?
At least $25,000 per person and $50,000 per crash for injuries, and $10,000 for property damage.
What if you were partly at fault in Wisconsin?
You can recover if your negligence was not greater than the other party's, but your money is reduced by your share.
Hurt in a crash in Wisconsin? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Wisconsin Office of the Commissioner of Insurance, checked 2026-11-09. “If you cause an accident injuring other people, it protects you from their claims up to the stated amounts for medical expenses, lost wages, pain and suffering, and other losses.”
- Wisconsin Office of the Commissioner of Insurance, checked 2026-11-09. “$25,000 for death or injury of one person; $50,000 for death or injury of two or more persons; and $10,000 for property damage.”
- Wisconsin Office of the Commissioner of Insurance, checked 2026-11-09. “The law also requires uninsured motorist coverage of $25,000/$50,000 for bodily injury only.”
- Wisconsin Legislature, Wis. Stat. § 895.045, checked 2026-11-09. “if that negligence was not greater than the negligence of the person against whom recovery is sought, but any damages allowed shall be diminished in the proportion to the amount of negligence attributed to the person recovering.”