Wisconsin Auto Insurance

Average Wisconsin auto insurance rates are $91.67/mo and Wisconsin auto insurance laws require drivers to carry 25/50/10 of bodily injury and property damage liability coverage. To find the cheapest Wisconsin auto insurance plan in your area, shop around for Wisconsin auto insurance quotes from multiple Wisconsin auto insurance companies.

Free Auto Insurance Comparison

Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you a Wisconsin resident and ready to buy auto insurance? There are a few things you should know about your state and its auto insurance requirements before you take the plunge!

Wisconsin, a state located in the Midwest of the United States, has long been referred to as the “Badger State” and “America’s Dairyland.” Wisconsin auto insurance is required by law, and it also protects everyone on the road. If understanding auto insurance is confusing for you, you’re not alone. We’ll cover what you need to know about auto insurance in Wisconsin.

If you want to find affordable Wisconsin auto insurance right now, just enter your ZIP code for free Wisconsin auto insurance quotes.

Table of Contents

Wisconsin Auto Insurance Laws And Requirements

In Wisconsin, the state liability coverage minimums are:

Bodily Injury Liability Coverage – $25,000 per person
Bodily Injury Liability Coverage – $50,000 per accident
Property Damage Liability Coverage – $10,000 per accident

Take a look at how Wisconsin’s minimum rates compare with surrounding states.

View as image

Uninsured Motorist coverage minimums:

Bodily Injury Coverage – $25,000 per person
Bodily Injury Coverage – $50,000 per accident

Optional coverages in Wisconsin include:

Comprehensive Coverage
Collision Coverage
Medical Payments Coverage
Rental Car Reimbursement Coverage
Roadside Assistance / Towing Coverage

In Wisconsin, a tort system is in place that makes it so that one of the drivers involved in the accident must be labeled as the person at fault. Whoever is at fault for the accident must pay for the damages through his or her insurance. Along with this system, all drivers licensed under the Wisconsin Department of Motor Vehicles must have insurance that satisfies the minimum requirements for auto insurance coverage.

When you are found to be at fault, your mandatory coverages pay for the damages. Bodily injury liability (BIL) and Property damage liability (PDL) are both required. The minimum coverage required for BIL in Wisconsin is $50,000 per person and $100,000 per individual accident.

These coverages pay for any medical bills that need to be paid as a result of the accident. Property damage liability, on the other hand, covers the costs associated with damages to the other person’s vehicle during the accident. This would cover things like auto body damage and internal circuitry damage.

The minimum requirement of coverage for this is $15,000, but more should be purchased if you feel that you would ever find yourself in a situation where you inflict more than $15,000 worth of damage, such as totaling a luxury vehicle.

Wisconsin also requires that you purchase some insurance to cover yourself in case the other motorist doesn’t have insurance of his own when he or she is at fault. This type of coverage, known as uninsured motorist coverage, primarily covers bodily injury. The state requires a $100,000 minimum per person up to a total of $300,000 total per accident in coverage for you and your family.

Compare over 200 auto insurance companies at once!

Secured with SHA-256 Encryption

Wisconsin Auto Insurance Rates

Luckily the insurance rates in Wisconsin are much cheaper in comparison to the other states in the nation.

View as image

The statewide average for auto insurance is just under $1,100 per year, which is less than $100 a month. Compared to the national average, this rate is more than $300 less. What’s even better is that the rate doesn’t change much when going from an average rural area to a big city.

View as image

The auto insurance rates for major cities in Wisconsin are about $1,350 in Milwaukee and a little more than $1,000 in Madison. These are still noticeably less expensive than the national average, so it’s very affordable to be properly insured in Wisconsin.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

View as image

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

View as image

While this may seem biased, it’s also important to realize that as people get older, their rates begin to go down dramatically, and the gap between genders shrinks. The reason for this is simply that younger drivers have less experience behind the wheel, and are therefore a higher-risk demographic to insure.

Wisconsin Car And Driving Statistics

Just when you thought it couldn’t get any better, the amount of auto theft in Wisconsin is also very good news to hear about. The amount of reported stolen vehicles has been constantly decreasing since 1992. In 2009, Wisconsin saw its lowest number of auto thefts in one year since 1982, with only 8,926 report thefts compared to 11,539 the year before. This works out to be only 157.8 stolen vehicles per 100,000 vehicles, one of the lowest theft rates in the nation.

Another decreasing trend in Wisconsin is the number of crashes among motorists. The total amount of accidents in the state has decreased from 125,174 in 2005 to 108,808 in 2010. Of the 108,808 accidents in 2010, only 29,380 (about 30%) of them caused any type of injury, and of those 517 were fatal. Wisconsin comes out to be one of the safest states when it comes to the amount of injuries/deaths per accident.

Cheap Auto Insurance In Wisconsin

With such safe statistics, it’s no wonder that Wisconsin offers such affordable rates for its citizens in terms of Auto insurance.

View as image

Being insured in case of an accident is very important to protect yourself financially. Buying auto insurance may seem like a very difficult thing to do for new drivers, but with proper research and comparison, you can always find the policy that fits your exact needs.

Buying insurance isn’t something you can do overnight and shouldn’t be something you rush to get over with, so it’s recommended that you spend as much time as you need looking at all of the facts, details, and terms before signing any agreement.

Picking a large company can often be a good choice since they are so financially established. Take a look at how the top Wisconsin auto insurance companies dominate the market share.

View as image

Shopping around to compare Wisconsin auto insurance companies can help you find the best fit.

Compare over 200 auto insurance companies at once!

Secured with SHA-256 Encryption

Wisconsin Auto Insurance Agents

Additional Wisconsin Automobile Insurance Information/Resources

Ready to buy Wisconsin auto insurance? Enter your ZIP code below for free quotes from top auto insurance companies in Wisconsin.

Wisconsin Auto Insurance

Free Auto Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

Wisconsin Auto Insurance Laws And Requirements

Wisconsin Auto Insurance Rates

Wisconsin Car And Driving Statistics

Cheap Auto Insurance In Wisconsin

Wisconsin Auto Insurance Agents

Wisconsin Auto Insurance Agents

Additional Wisconsin Automobile Insurance Information/Resources

Related Links

Recent Articles

Similar Entries

Free Auto Insurance Comparison