Automobile Insurance Coverage – Minnesota vs. Wisconsin

By Tom Weidner | Personal Injury

Automobile insurance can protect you from the financial costs of a collision or injury, provided you have the proper insurance coverage. It is a way of transferring the risk of a loss. You pay a premium each month to an insurance company to be reimbursed if you are involved in a collision. The amount available to collect and under what circumstances is outlined in your policy.

Minimum Coverages:

While both the state of Minnesota and Wisconsin require individuals who own motor vehicles to carry insurance, the requirements of coverage and limits are drastically different.

  • Minnesota requires vehicle owners to carry personal injury protection (PIP/No-Fault), liability, uninsured and underinsured coverages.
  • Wisconsin requires vehicle owners to carry liability, uninsured and property damage.

Additionally, the limits required for these coverages are also different.

Below is a breakdown of the type of coverage per state and minimum coverage requirements.

Type of coverageMinnesotaWisconsin
MEDICALNo-Fault ($20,000 minimum) - requiredMedPay ($1,000 minimum)
LIABILITY$30,000 for injuries to one person$25,000 for injuries to one person
$60,000 for injuries to two or more people required minimum$50,000 for injuries to two or more people required minimum
UNINSURED MOTORIST COVERAGE (UM)$25,000 for injuries to one person$25,000 for injuries to one person
$50,000 for injuries to two or more people required minimum$50,000 for injuries to two or more people required minimum
UNDERINSURED MOTORIST COVERAGE (UIM)$25,000 for injuries to one person$50,000 for injuries to one person
$50,000 for injuries to two or more people required minimum$100,000 for injuries to two or more people
PROPERTY DAMAGE---------------------------------$10,000 required minimum

CONTACT US TODAY IF YOU HAVE QUESTIONS ABOUT THIS TOPIC OR IF WE CAN ASSIST YOU WITH YOUR PERSONAL INJURY NEEDS.

Fill out the form below, or call our Stillwater, MN office at 651-429-2878 or Hudson, WI office at 715-386-3733.

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