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 using our free quote comparison tool below.
Free Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 30, 2020
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 it’s 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.” The state’s economy depends a lot on agriculture and manufacturing – goods that must be moved from place to place in order to be sold. The state’s motto is one simple word: Forward. And as we enter the future, we move forward with our technologies and methods of transferring goods. Nowadays, the most common way to move things from one place to another is by automotive vehicle. Vehicles are very efficient, but without proper insurance, they can often times be a costly liability.
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.
Uninsured Motorist coverage minimums:
- Bodily Injury Coverage – $25,000 per person
- Bodily Injury Coverage – $50,000 per accident
Optional coverage options 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, there are two mandatory liability policies: Bodily injury liability (BIL) and Property damage liability (PDL). 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.
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 the big city.
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.
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.
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 amount 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.
Being insured in case of an accident is very important as it prevents any additional severe financial damage to take toll after an accident. 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 over night 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.
If you ever find yourself ready to start finding quotes for the best auto insurance deals in Wisconsin, simply enter your ZIP code to start your journey to finding the policy that fits you.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
Wisconsin Auto Insurance Agents
Wisconsin Auto Insurance Agents
- Abbotsford
- Abrams
- Adams
- Addison
- Adell
- Alban
- Albany
- Albion
- Alden
- Algoma
- Allenton
- Allouez
- Alma
- Alma Center
- Almena
- Almond
- Altoona
- Amberg
- Amery
- Amherst
- Amherst Junction
- Angelica
- Aniwa
- Antigo
- Appleton
- Arbor Vitae
- Arcadia
- Arena
- Argonne
- Argyle
- Arkansaw
- Arland
- Arlington
- Armstrong Creek
- Arpin
- Ashippun
- Ashland
- Ashwaubenon
- Athelstane
- Athens
- Auburndale
- Augusta
- Avoca
- Bagley
- Baileys Harbor
- Baldwin
- Balsam Lake
- Bancroft
- Bangor
- Baraboo
- Barnes
- Barneveld
- Barron
- Barronett
- Barton
- Bay City
- Bayfield
- Bayside
- Bayview
- Bear Creek
- Beaver
- Beaver Dam
- Beecher
- Beetown
- Belgium
- Belleville
- Bellevue
- Belmont
- Beloit
- Bennett
- Benton
- Berlin
- Berry
- Bevent
- Big Bend
- Big Flats
- Birch
- Birchwood
- Birnamwood
- Biron
- Black Brook
- Black Creek
- Black Earth
- Black River Falls
- Black Wolf
- Blackwell
- Blair
- Blanchardville
- Bloomer
- Bloomfield
- Blooming Grove
- Bloomington
- Blue Mounds
- Blue River
- Bonduel
- Boscobel
- Boulder Junction
- Bovina
- Bowler
- Boyceville
- Boyd
- Brandon
- Brighton
- Brillion
- Bristol
- Brodhead
- Brookfield
- Brooklyn
- Brothertown
- Brown Deer
- Brownsville
- Browntown
- Bruce
- Brule
- Brussels
- Buchanan
- Buena Vista
- Buffalo
- Buffalo City
- Burke
- Burlington
- Burnett
- Butler
- Butternut
- Byron
- Cable
- Cadott
- Cady
- Caledonia
- Cambria
- Cambridge
- Cameron
- Camp Douglas
- Camp Lake
- Campbell
- Campbellsport
- Canton
- Carson
- Cascade
- Casco
- Cashton
- Cassian
- Cassville
- Catawba
- Cato
- Cazenovia
- Cecil
- Cedar Grove
- Cedarburg
- Center
- Centerville
- Centuria
- Charlestown
- Chaseburg
- Chelsea
- Chenequa
- Chetek
- Chilton
- Chippewa Falls
- Christiana
- Cicero
- Clam Falls
- Clayton
- Clear Lake
- Cleveland
- Clifton
- Clinton
- Clintonville
- Cloverland
- Clyman
- Cobb
- Cochrane
- Colby
- Coleman
- Colfax
- Coloma
- Columbus
- Combined Locks
- Conover
- Coon Valley
- Cornell
- Corning
- Cottage Grove
- Couderay
- Crandon
- Crescent
- Crivitz
- Cross Plains
- Cuba City
- Cudahy
- Cumberland
- Cutler
- Cylon
- Dale
- Dallas
- Danbury
- Dane
- Darien
- Darlington
- De Forest
- De Pere
- De Soto
- Deer Creek
- Deer Park
- Deerfield
- DeForest
- Delafield
- Delavan
- Delta
- Denmark
- Dewey
- Diamond Bluff
- Dickeyville
- Dodge
- Dodgeville
- Dorchester
- Dousman
- Dover
- Downing
- Doylestown
- Dresser
- Drummond
- Dunbar
- Dunkirk
- Dunn
- Durand
- Eagle
- Eagle Point
- Eagle River
- East Troy
- Eastman
- Eaton
- Eau Claire
- Eau Galle
- Eau Pleine
- Eden
- Edgar
- Edgerton
- Edgewater
- Edson
- Egg Harbor
- Eisenstein
- El Paso
- Eland
- Elcho
- Elderon
- Eldorado
- Eleva
- Elk
- Elk Mound
- Elkhart Lake
- Elkhorn
- Ellington
- Ellsworth
- Elm Grove
- Elmwood
- Elmwood Park
- Elroy
- Embarrass
- Emerald
- Endeavor
- Ephraim
- Erin
- Erin Prairie
- Ettrick
- Eureka
- Evansville
- Exeland
- Fairchild
- Fairwater
- Fall Creek
- Fall River
- Fence
- Fennimore
- Fifield
- Fitchburg
- Florence
- Fond du Lac
- Fontana
- Fontana on Geneva Lake
- Footville
- Forestville
- Fort Atkinson
- Fountain City
- Fox Lake
- Fox Point
- Francis Creek
- Franklin
- Franksville
- Franzen
- Frederic
- Fredonia
- Freedom
- Fremont
- French Island
- Friendship
- Friesland
- Galesville
- Gays Mills
- Genesee
- Genesee Depot
- Geneva
- Genoa
- Genoa City
- Germantown
- Gillett
- Gilman
- Gilmanton
- Glen Haven
- Glenbeulah
- Glendale
- Glenmore
- Glenwood
- Glenwood City
- Glidden
- Goodman
- Goodrich
- Gordon
- Grafton
- Grand Chute
- Grand Marsh
- Grand Rapids
- Grandview
- Granton
- Grantsburg
- Gratiot
- Green Bay
- Green Grove
- Green Lake
- Green Valley
- Greenbush
- Greendale
- Greenfield
- Greenleaf
- Greenville
- Greenwood
- Gresham
- Hackett
- Hales Corners
- Hallie
- Hamburg
- Hammond
- Hancock
- Hansen
- Harding
- Harrison
- Hartford
- Hartland
- Hatley
- Haugen
- Hawkins
- Hawthorne
- Hayward
- Hazel Green
- Hazelhurst
- Helenville
- Hendren
- Hewitt
- Highland
- Hilbert
- Hiles
- Hillsboro
- Hixton
- Hoard
- Hobart
- Holcombe
- Holland
- Hollandale
- Holmen
- Honey Creek
- Horicon
- Hortonia
- Hortonville
- Howard
- Howards Grove
- Hubertus
- Hudson
- Hull
- Humboldt
- Hurley
- Hustisford
- Independence
- Iola
- Iron Ridge
- Iron River
- Ironton
- Ixonia
- Jackson
- Jacksonport
- Janesville
- Jefferson
- Johnson Creek
- Jordan
- Jump River
- Junction City
- Juneau
- Kaukauna
- Kellnersville
- Kelly
- Kendall
- Kennan
- Kenosha
- Keshena
- Kewaskum
- Kewaunee
- Kiel
- Kimball
- Kimberly
- King
- Kingston
- Kinnickinnic
- Knapp
- Knowlton
- Kohler
- Kronenwetter
- La Crosse
- La Farge
- La Grange
- La Pointe
- La Valle
- Lac du Flambeau
- Lac La Belle
- Ladysmith
- Lake
- Lake Delton
- Lake Geneva
- Lake Holcombe
- Lake Mills
- Lake Nebagamon
- Lake Tomahawk
- Lake Wazeecha
- Lake Wissota
- Laketown
- Lakewood
- Lancaster
- Land O Lakes
- Lannon
- Laona
- Lawrence
- Lebanon
- Lena
- Liberty
- Linden
- Linn
- Linwood
- Lisbon
- Little Black
- Little Chute
- Little Falls
- Little Suamico
- Livingston
- Lodi
- Loganville
- Lohrville
- Lomira
- Lone Rock
- Long Lake
- Longwood
- Loretta
- Lowell
- Loyal
- Luck
- Luxemburg
- Lyndon Station
- Lynn
- Lyons
- Madison
- Maiden Rock
- Maine
- Malone
- Manawa
- Manchester
- Manitowish Waters
- Manitowoc
- Maple
- Maple Bluff
- Maple Creek
- Maplehurst
- Marathon
- Marathon City
- Marengo
- Maribel
- Marinette
- Marion
- Markesan
- Marquette
- Marshall
- Marshfield
- Martell
- Mason
- Mattoon
- Mauston
- Mayville
- Mazomanie
- McFarland
- McMillan
- Medford
- Medina
- Melrose
- Menasha
- Menomonee Falls
- Menomonie
- Mequon
- Mercer
- Merrill
- Merrillan
- Merrimac
- Merton
- Middle Inlet
- Middleton
- Milladore
- Milltown
- Milton
- Milwaukee
- Mineral Point
- Minocqua
- Minong
- Mishicot
- Modena
- Mondovi
- Monico
- Monona
- Monroe
- Montello
- Montfort
- Monticello
- Montreal
- Montrose
- Morris
- Morrison
- Mosinee
- Mountain
- Mt Calvary
- Mt Hope
- Mt Horeb
- Mt Pleasant
- Mt Sterling
- Mukwonago
- Muscoda
- Muskego
- Nashotah
- Nashville
- Navarino
- Necedah
- Neenah
- Neillsville
- Nekimi
- Nekoosa
- Nelson
- Neopit
- Neosho
- Nepeuskun
- Neshkoro
- New Auburn
- New Berlin
- New Denmark
- New Glarus
- New Haven
- New Holstein
- New Lisbon
- New London
- New Post
- New Richmond
- Newburg
- Newton
- Niagara
- Nichols
- Norrie
- North Bay
- North Fond du Lac
- North Freedom
- North Hudson
- North Prairie
- Northfield
- Norwalk
- Norway
- Oak Creek
- Oak Grove
- Oakdale
- Oakfield
- Oconomowoc
- Oconomowoc Lake
- Oconto
- Oconto Falls
- Odanah
- Ogdensburg
- Ogema
- Ojibwa
- Okauchee
- Oliver
- Oma
- Omro
- Onalaska
- Oneida
- Ontario
- Oostburg
- Oregon
- Orfordville
- Osborn
- Osceola
- Oshkosh
- Osseo
- Ottawa
- Owen
- Oxford
- Packwaukee
- Paddock Lake
- Palmyra
- Pardeeville
- Paris
- Park Falls
- Park Ridge
- Patch Grove
- Pelican
- Pell Lake
- Pembine
- Pensaukee
- Pepin
- Perry
- Peshtigo
- Pewaukee
- Phelps
- Phillips
- Pigeon Falls
- Pine River
- Pittsfield
- Pittsville
- Plain
- Plainfield
- Platteville
- Pleasant Prairie
- Pleasant Springs
- Pleasant Valley
- Plover
- Plum City
- Plum Lake
- Plymouth
- Polar
- Polk
- Poplar
- Port Edwards
- Port Washington
- Portage
- Porterfield
- Potosi
- Potter
- Pound
- Powers Lake
- Poygan
- Poynette
- Prairie du Chien
- Prairie du Sac
- Prairie Farm
- Prentice
- Prescott
- Presque Isle
- Primrose
- Princeton
- Pulaski
- Racine
- Radisson
- Randolph
- Random Lake
- Rantoul
- Raymond
- Readstown
- Redgranite
- Reedsburg
- Reedsville
- Reeseville
- Remington
- Rewey
- Rhinelander
- Rib Falls
- Rib Lake
- Rib Mountain
- Rice Lake
- Richfield
- Richford
- Richland Center
- Ridgeland
- Ridgeway
- Ringle
- Rio
- Ripon
- River Falls
- River Hills
- Roberts
- Rochester
- Rock Falls
- Rock Springs
- Rockdale
- Rockland
- Rome
- Rosendale
- Rosholt
- Rothschild
- Roxbury
- Royalton
- Rubicon
- Rudolph
- Rush River
- Rushford
- Rusk
- Rutland
- Salem
- Sanborn
- Sand Creek
- Sarona
- Sauk City
- Saukville
- Saxeville
- Saxon
- Scandinavia
- Schley
- Schofield
- Scott
- Seneca
- Sevastopol
- Seymour
- Sharon
- Shawano
- Sheboygan
- Sheboygan Falls
- Shelby
- Sheldon
- Shell Lake
- Sherman
- Sherry
- Sherwood
- Shiocton
- Shorewood
- Shorewood Hills
- Shullsburg
- Silver Cliff
- Silver Lake
- Siren
- Sister Bay
- Skanawan
- Slinger
- Soldiers Grove
- Solon Springs
- Somers
- Somerset
- South Milwaukee
- South Wayne
- Sparta
- Spencer
- Spooner
- Spring Green
- Spring Prairie
- Spring Valley
- Springbrook
- Springdale
- Springfield
- St Cloud
- St Croix Falls
- St Francis
- St Germain
- St Joseph
- St Nazianz
- Stanley
- Stanton
- Star Prairie
- Stella
- Sterling
- Stetsonville
- Stevens Point
- Stiles
- Stitzer
- Stockbridge
- Stockton
- Stoddard
- Stone Lake
- Stoughton
- Stratford
- Strum
- Sturgeon Bay
- Sturtevant
- Suamico
- Sugar Camp
- Sugar Creek
- Sullivan
- Summit
- Sun Prairie
- Superior
- Suring
- Sussex
- Taycheedah
- Taylor
- Tennyson
- Theresa
- Thiensville
- Thorp
- Three Lakes
- Tiffany
- Tigerton
- Tilden
- Tipler
- Tomah
- Tomahawk
- Townsend
- Trade Lake
- Trego
- Trempealeau
- Trenton
- Trimbelle
- Troy
- Turtle Lake
- Twin Lakes
- Two Rivers
- Underhill
- Union Center
- Union Grove
- Unity
- Utica
- Valders
- Vandenbroek
- Vermont
- Vernon
- Verona
- Vesper
- Vienna
- Vinland
- Viola
- Viroqua
- Wabeno
- Waldo
- Wales
- Walworth
- Warren
- Warrens
- Wascott
- Washburn
- Washington
- Waterford
- Waterloo
- Watertown
- Waubeka
- Waukesha
- Waumandee
- Waunakee
- Waupaca
- Waupun
- Wausau
- Wausaukee
- Wautoma
- Wauwatosa
- Wauzeka
- Wayne
- Webb Lake
- Webster
- West Allis
- West Baraboo
- West Bend
- West Milwaukee
- West Salem
- Westboro
- Westby
- Westfield
- Weston
- Westport
- Weyauwega
- Weyerhaeuser
- Wheatland
- Wheeler
- White Lake
- Whitefish Bay
- Whitehall
- Whitelaw
- Whitewater
- Whiting
- Wild Rose
- Willard
- Williams Bay
- Wilson
- Wilton
- Winchester
- Wind Lake
- Wind Point
- Windsor
- Winneconne
- Winter
- Wisconsin Dells
- Wisconsin Rapids
- Withee
- Wittenberg
- Wolf River
- Wonewoc
- Woodboro
- Woodland
- Woodruff
- Woodville
- Worcester
- Wrightstown
- Wyalusing
- Wyocena
- York
- Yorkville