If you drive for Uber or Lyft in Wisconsin, you must meet both the state’s personal auto insurance requirements and the higher liability standards that apply while operating as a transportation network company (TNC) driver. This guide explains the exact insurance requirements and how they apply during each rideshare period.
For a complete overview of rideshare coverage in the state, see the Wisconsin Rideshare Insurance Guide.
Wisconsin Personal Auto Insurance Minimums
All Wisconsin drivers must carry at least:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage per accident
These limits apply when your vehicle is being used for personal purposes. Once you activate the rideshare app, additional requirements apply.
Insurance Requirements During Rideshare Periods
Period 1: App On, Waiting for a Ride Request
When logged into the app but waiting for a ride request, Wisconsin requires higher liability coverage. During this period, coverage must provide at least:
- $50,000 bodily injury per person
- $100,000 bodily injury per accident
- $25,000 property damage per accident
This coverage is generally provided by the rideshare company on a contingent basis. However, most personal policies exclude commercial driving, making a rideshare endorsement important to avoid claim denial.
Periods 2 & 3: Ride Accepted and Passenger in Vehicle
Once a ride is accepted and while transporting a passenger, Uber and Lyft provide up to $1 million in third-party liability coverage. Contingent comprehensive and collision coverage may apply if you carry those coverages on your personal auto policy.
For detailed platform-specific coverage information, see:
Do You Need a Rideshare Endorsement in Wisconsin?
In most cases, yes. A rideshare endorsement bridges the gap between your personal auto policy and the rideshare company’s contingent coverage. Without it, you risk:
- Claim denial during Period 1
- Policy cancellation for undisclosed commercial use
- Out-of-pocket vehicle repair costs
Proof of Insurance Requirements
Wisconsin drivers must carry proof of insurance at all times. Rideshare companies also provide digital proof of coverage within the driver app. After an accident, both personal and rideshare insurance information may be required.
Penalties for Driving Without Proper Insurance
Failure to maintain proper insurance in Wisconsin can result in fines, license suspension, registration suspension, and reinstatement fees. If you are involved in an accident without proper rideshare coverage, financial exposure can be significant.
Next Steps for Wisconsin Drivers
- Confirm your insurer allows rideshare driving
- Add a rideshare endorsement if available
- Understand deductible differences during active trips
- Compare expected premium increases
Next, review: