Wisconsin Insurance Requirements & Rates

Wisconsin requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage). Wisconsin is an at-fault state, meaning the driver who caused the accident is responsible for paying damages. Uninsured motorist coverage is required.

Wisconsin homeowners face risks from tornadoes, flooding, severe thunderstorms, winter storms. The flood risk level is moderate and earthquake risk is low. Standard deductibles apply. The average annual home insurance premium is $1,402.

Wisconsin requires riders under 18 to wear helmets. Lane splitting is not legal. Eye protection is required for all riders. The riding season is may–september.

Yes, workers' compensation insurance is required in Wisconsin. Businesses with fewer than 3 employees in certain sectors may be exempt. Wisconsin has approximately 500,000 small businesses, with top industries including Manufacturing, Agriculture & Dairy, Healthcare.

Yes, Wisconsin has expanded Medicaid. The state uses a state-federal partnership health insurance marketplace. The uninsured rate is 5.5%.

Yes, landlords in Wisconsin can require tenants to carry renters insurance as a condition of the lease. About 32% of Wisconsin residents are renters, with average monthly rent of $950.

With a median household income of $67,125, most Wisconsin families should consider 10-12x their annual income in life insurance coverage. Currently, 55% of Wisconsin households have life insurance.