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Wisconsin Auto Insurance Limits Going Down

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UPDATED: Mar 13, 2020

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Back in 2009, we noted that the Wisconsin legislature approved an increase in the state mandatory minimum car insurance limits from 25/50/10 up to 50/100/15.

Well…we’re now taking it all back.

On Tuesday, Governor Scott Walker approved a Senate proposal that repeals the increases in auto insurance coverage.

This means drivers will once again need to carry minimum liability limits of $25,000 for bodily injury per person, $50,000 for bodily injury per occurrence, and $10,000 for property damage.

In addition to the lower liability limits, the Wisconsin underinsured motorist limits will revert back to 50/100, which is where they were prior to the hike in 2009 when they were upped to 100/300.

The repeal bill would also ban “stacking” of car insurance coverage.

“Stacking” refers to a loophole in some state’s insurance laws in which a particular coverage “follows” a vehicle.

Insured are able to “stack” the coverage from all of their vehicles in the event of an insurance claim in order to recover more damages from a single car accident.

Contact a local independent insurance agent to ensure you’re getting the most comprehensive auto insurance coverage at the lowest available insurance premium.

Insurers will be changing their car insurance rates as a result of this legislation, making it the perfect time to do some shopping.

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