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Wisconsin Auto Insurance

Wisconsin auto insurance coverage is among the most affordable in the country. But you should still make sure you're getting the best policy for your premium.

This guide:

Explains Wisconsin auto insurance laws and requirements

Describes how Wisconsin car insurance rates are set

Shows you how to save money with multiple quotes

See How Much You Could Save:

Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Wisconsin.

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Wisconsin auto insurance laws

Wisconsin is considered a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. Wisconsin auto insurance laws require liability insurance to help fulfill this responsibility.

Wisconsin auto insurance regulations require minimum liability limits of 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for damage you cause to the other party's property.)

Wisconsin auto insurance laws also require that you purchase uninsured motorist bodily injury coverage of at least 25/50 ($25,000 for injuries per person, up to $50,000 total). These policies help pay your medical expenses in case you should be struck by a driver with inadequate liability coverage.

However, these are only minimums, and carrying higher levels of both liability and uninsured motorist coverages is strongly recommended.

Wisconsin auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and underinsured motorist coverages.

If you are a Wisconsin resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to better drivers, whose credit and driving records could be described as being at least good.

After you compare rates at ComparisonMarket, get a quote from Electric to see if you qualify.

How Wisconsin car insurance rates are set

The price of Wisconsin auto insurance is decided by the behavior of all of the state's drivers as a whole. Wisconsin auto insurance companies take the cost of insuring Wisconsin drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, Wisconsin car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an Wisconsin driver, is that you need to shop around. It's the fastest easiest way to save on an Wisconsin auto insurance policy.

Luckily for you, shopping around is easy to do online.

Where to get Wisconsin auto insurance quotes

The following web sites will help you find Wisconsin car insurance quotes: (these links will open in a new window)

ComparisonMarket is the easiest and most accurate online quotes comparison service, and is the site to visit first when you're looking to save money on top-rated coverage.


Electric Insurance is a discount insurance provider for good drivers

Netquote provides quotes directly from local agents, who can assist you with setting coverage levels, and provide other additional services.

Geico - a great service, especially for those who can't get insured elsewhere. Be sure to complete the entire quote form!

Get quotes using your ZIP Code! You'll find insurers who offer quotes tailored specifically to your area:

ZIP Code:

To speed things up, you may wish to have some of the information needed for an online quote ready before you begin.

More WI car insurance advice and help

If you want more help designing your WI auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.

To find out more about WI auto insurance laws and regulations, visit the state's official website of the Wisconsin Office of the Commissioner of Insurance.

Want to learn even more?

Take our quick auto insurance course, and learn the step-by-step to get the most out of your auto insurance policy for the least amount money.

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.