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Wisconsin reference page

Wisconsin auto insurance statistics: 2026

A clear, sourced look at the road-risk figures, insurance spending, and coverage limits Wisconsin households are likely to encounter. Last updated October 19, 2026.

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What is here

Useful numbers, with the source beside them.

This page gathers public figures from Wisconsin transportation and insurance regulators, plus the National Association of Insurance Commissioners. It is a reference, not a quote or a promise about any individual policy.

Insurance limits and prices are only part of the decision. A review of the drivers, vehicles, assets, deductibles, and policy wording is still the part that tells a household what fits.

At a glance

Wisconsin auto insurance and road-risk figures

Each figure has a stable link, a date, and a primary source so it is straightforward to check or cite.

Current as cited October 2026

25 / 50 / 10

minimum liability limits

$25,000 for one person's injury or death, $50,000 for two or more people, and $10,000 for property damage. Wisconsin also requires uninsured-motorist bodily-injury limits of $25,000/$50,000.

Source: Wisconsin Office of the Commissioner of Insurance ↗

Putting the figures in context

The legal minimum is a starting point, not a household recommendation.

Wisconsin's required liability limits explain the floor set by law. They do not decide what amount would be enough after a serious injury, property-damage claim, or lawsuit. The Wisconsin Office of the Commissioner of Insurance notes that higher limits may be available for an additional premium.

The road-risk figures are useful for understanding why a policy review should be more than a price check. When drivers, vehicles, jobs, savings, or property change, it is worth reviewing the limits and deductibles that sit behind the policy.

See how Kettlehaus reviews auto coverage →

Method and sources

How we built this reference.

Figures are taken from named public sources. We use the reporting year supplied by each source and do not estimate missing figures. Links below go directly to the original material.

  1. Wisconsin Department of Transportation, 2024 Wisconsin Traffic Crash Facts. Used for crash totals, fatalities, and fatal-crash factors.
  2. National Association of Insurance Commissioners, 2022 Auto Insurance Database Average Premium Supplement. Used for average auto-insurance expenditure.
  3. Wisconsin Office of the Commissioner of Insurance, Frequently Asked Questions: Automobile Insurance. Used for current minimum liability and uninsured-motorist limits.

Cite this page

“Wisconsin Auto Insurance Statistics: 2026.” Kettlehaus Insurance, updated October 19, 2026, https://theo-site-4b84d79e-a2e7-44c7-b712.onrender.com/wisconsin-auto-insurance-statistics. For a specific figure, link directly to its heading above and include the original source.

Want to look beyond the minimum limits?

Bring your current declarations page. We will help you compare the limits, deductibles, and policy details that matter to your household.

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