Wisconsin insurance shopping
Shopping for car insurance in Wisconsin? Know what 25/50/10 really protects.
Wisconsin’s minimum limits are easy to remember, but they do not cover every problem. The $10,000 property damage limit and the difference between uninsured motorist coverage and collision are especially important when comparing quotes.
Wisconsin auto rules
What does 25/50/10 mean?
$25,000
Injury or death to one person.
$50,000
Injury or death to two or more people.
$10,000
Property damage liability.
Wisconsin also requires uninsured motorist bodily injury coverage.
Property damage
Why might $10,000 be too low for some drivers?
Newer vehicles can cost much more than $10,000, and even a repairable car can have expensive cameras, sensors, lights and body parts.
If the damage you cause is higher than your policy limit, the amount above the limit does not simply disappear. Ask what higher property damage limits would cost before you decide.
Uninsured drivers
Does Wisconsin uninsured motorist coverage repair my car?
No. The required Wisconsin uninsured motorist coverage is for bodily injury. It does not replace collision coverage.
If you want protection for your own vehicle after a covered crash, collision is a separate coverage to compare. Underinsured motorist coverage is separate too and is not required in Wisconsin.
Compare correctly
What should stay the same on Wisconsin quotes?
- Bodily injury liability limits.
- Property damage liability limit.
- Uninsured motorist bodily injury limit.
- Underinsured motorist coverage if you carry it.
- Collision and comprehensive deductibles.
- Drivers, vehicles, mileage and discounts.
If one quote uses the legal minimum and another uses higher limits, you are not comparing price alone. You are comparing different levels of protection.
Home insurance
What should Wisconsin homeowners compare?
Look at deductibles, roof settlement, wind and hail terms, rebuilding limits and water-related coverage. Winter weather and storm losses can make those details important.
Primary source
Wisconsin source
Wisconsin Office of the Commissioner of Insurance: Automobile Insurance FAQs
Related questions
What should you look at next?
Shopping next step
Ready to compare your options?
You now know what to look for before you focus on price. Ensurance helps people shop for better insurance prices and coverage options through one protected request, so you can keep the important details together instead of starting over again and again.
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Updated September 18, 2026. Ensurance is a U.S. insurance-shopping company. This page is educational. Insurance prices, availability, eligibility and policy terms vary. Licensed insurance professionals handle policy-specific advice and available options.