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Wisconsin: uninsured drivers

The share of drivers on the road without insurance in each state, and whether you must buy uninsured motorist coverage.

Single detailed source
Estimated share of drivers uninsured (2023)15.6%
Uninsured motorist coverageUninsured motorist required

Uninsured rates are Insurance Research Council estimates for 2023, the latest available. Required coverage limits usually match your state's liability minimums.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Wisconsin.

How Wisconsin compares

15.6% ranks 16 of 51 (1 = highest) for share of drivers uninsured (2023).

Lowest 5.7%Highest 28.2%

Alaska: 12.5%AKMaine: 5.7%MEVermont: 11.8%VTNew Hampshire: 10.0%NHWashington: 19.1%WAIdaho: 6.4%IDMontana: 7.2%MTNorth Dakota: 10.6%NDMinnesota: 11.3%MNIllinois: 15.2%ILWisconsin: 15.6%WIMichigan: 22.3%MINew York: 8.6%NYRhode Island: 12.4%RIMassachusetts: 7.9%MAOregon: 14.7%ORNevada: 11.1%NVWyoming: 6.7%WYSouth Dakota: 9.4%SDIowa: 11.4%IAIndiana: 14.0%INOhio: 18.5%OHPennsylvania: 11.0%PANew Jersey: 14.1%NJConnecticut: 11.8%CTCalifornia: 20.4%CAUtah: 6.2%UTColorado: 19.7%CONebraska: 9.5%NEMissouri: 20.7%MOKentucky: 14.1%KYWest Virginia: 7.8%WVVirginia: 12.9%VAMaryland: 16.9%MDDelaware: 17.6%DEArizona: 10.6%AZNew Mexico: 24.1%NMKansas: 12.0%KSArkansas: 12.1%ARTennessee: 21.3%TNNorth Carolina: 11.8%NCSouth Carolina: 10.3%SCDistrict of Columbia: 23.1%DCOklahoma: 12.0%OKLouisiana: 11.7%LAMississippi: 28.2%MSAlabama: 16.8%ALGeorgia: 19.0%GAHawaii: 9.6%HITexas: 14.5%TXFlorida: 20.6%FL
  • 5.7% – 9.6% (11)
  • 10% – 11.8% (12)
  • 12% – 14.1% (9)
  • 14.5% – 19% (9)
  • 19.1% – 28.2% (10)

Also for Wisconsin: Car insurance by state in Wisconsin · Claim deadlines in Wisconsin · Small claims limits in Wisconsin · Total loss rules in Wisconsin · Shared fault rules in Wisconsin · Accident reporting rules in Wisconsin · Lemon law rules in Wisconsin · Sales tax rates in Wisconsin · Phone-while-driving laws in Wisconsin · Motorcycle helmet laws in Wisconsin · Gas tax in Wisconsin · Marijuana laws in Wisconsin · All Wisconsin rules on one page

How we checked this

Uninsured rates are Insurance Research Council estimates for 2023. Coverage requirements come from the APCIA/Insurance Information Institute state table and were checked against a second listing of the III data. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.

Cross-checked sources agree   Checked on official source confirmed on a government, court or legislature site   Single detailed source one detailed table built from statutes or official data   Under review sources disagree; read the note and the law.