Car insurance in Wisconsin (25/50/10)
- Minimum car insuranceWisconsin requires at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage. Policies must include uninsured motorist coverage of at least 25/50 and $1,000 of medical payments coverage (which you may reject), and insurers must give notice that underinsured motorist coverage is available. Source
- Fault systemWisconsin is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage. Source
Business insurance rules in Wisconsin
- Workers’ compensationA non-farm Wisconsin employer must carry workers' compensation if it usually has three or more full- or part-time employees, or if it pays $500 or more in gross wages in any calendar quarter. Farmers must carry it once they have six or more employees, with no wage threshold. Source
- Contractor licensingContractors who pull building permits for one- and two-family homes need a Dwelling Contractor credential from the Department of Safety and Professional Services. It requires either a $25,000 surety bond or general liability insurance of at least $250,000 per occurrence. Source
Home insurance in Wisconsin
- Home insurer of last resortThe Wisconsin Insurance Plan is the state's mandatory risk-sharing facility for basic property insurance, including coverage comparable to a modified homeowners policy, for owners who can't find coverage elsewhere. Severe thunderstorms with hail, high wind and occasional tornadoes are the main catastrophe exposure for Wisconsin homes. Source
High-value homes in Wisconsin.
Disasters, floods, hail, tornadoes and earthquakes in Wisconsin
| Measure | Wisconsin | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 21 | #35 (tied) of 51 | Most often for severe storm (11), flood (8), snowstorm (1). Vernon County has been in 11 of them. |
| National Flood Insurance Program claims, 2005–2025 | 4,906 | #31 of 51 | $109.9 million paid; 35% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Homes in high-risk flood zones with a federal flood policy | 18% | #33 of 50 | 4,996 policies for 27,192 homes in the counties FEMA can measure; US: 40%. |
| Hail reports, 2016–2025 | 2,376 | #12 of 51 | 171 of them 2 inches or larger. Largest stone 4.5 inches, Outagamie County, September 2021. |
| Tornadoes, 2016–2025 | 295 | #20 of 51 | 17 rated EF2 or stronger; 1,618 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 0 | — | None of magnitude 4.0 or greater recorded in or near the state. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Wisconsin.
Worth knowing in Wisconsin
Wisconsin auto policies automatically include uninsured motorist coverage and at least $1,000 of medical payments coverage, and a business can owe workers' comp after paying just $500 in wages in a quarter.
Wisconsin’s insurance regulator
Insurance in Wisconsin is regulated by the Wisconsin Office of the Commissioner of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a nonresident insurance producer license in Wisconsin (NPN 21022298), so requests from Wisconsin are handled by him directly.
Common questions
What is the minimum car insurance in Wisconsin?
Wisconsin requires at least $25,000 per person and $50,000 per accident for bodily injury and $10,000 for property damage. Policies must include uninsured motorist coverage of at least 25/50 and $1,000 of medical payments coverage (which you may reject), and insurers must give notice that underinsured motorist coverage is available.
Is Wisconsin a no-fault state?
Wisconsin is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage.
Do employers in Wisconsin need workers’ comp?
A non-farm Wisconsin employer must carry workers' compensation if it usually has three or more full- or part-time employees, or if it pays $500 or more in gross wages in any calendar quarter. Farmers must carry it once they have six or more employees, with no wage threshold.
What can a Wisconsin homeowner do if no insurer will write the house?
The Wisconsin Insurance Plan is the state's mandatory risk-sharing facility for basic property insurance, including coverage comparable to a modified homeowners policy, for owners who can't find coverage elsewhere. Severe thunderstorms with hail, high wind and occasional tornadoes are the main catastrophe exposure for Wisconsin homes.
Sources
- Wisconsin: Minimum car insurance
- Wisconsin: Fault system
- Wisconsin: Workers’ compensation
- Wisconsin: Home insurer of last resort
- Wisconsin: Contractor licensing
- Wisconsin: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.