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Cheap Car Insurance in Wisconsin

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Wisconsin auto insurance requirements

Car owners in Wisconsin must buy two types of auto insurance for their vehicles: Liability and uninsured motorist coverage. But you may want more insurance than what the state requires.


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Medical payments (MedPay) coverage

MedPay covers medical and funeral expenses for anyone injured or killed while driving or riding in your car. It also covers you if you're a pedestrian and struck by a car.

  • Wisconsin auto insurers must offer you MedPay but you can reject it.
  • If you buy MedPay, the minimum coverage amount is $1,000.

Comprehensive and collision coverage

These aren't required by the state, but you're probably are required to have them if you have a car loan or lease. Lenders and leasing companies can mandate collision and comprehensive insurance.

  • Comprehensive: Covers car theft, damage caused by hitting an animal, and damage from flood, hail, fire, vandalism, falling objects and explosions.
  • Collision coverage: Covers your car's damage from hitting another car or an object, like a sign post.

Rental reimbursement

Pays for a rental car if your vehicle is being repaired after a car accident.

You must show an insurance ID card (or other proof of financial responsibility) in Wisconsin when:

  • Law enforcement requests it.

Penalties for not having car insurance in Wisconsin

  • Fine up to $5,000 for operating without proof of financial responsibility.
  • Fine up to $5,000 for producing fraudulent proof of insurance or other financial responsibility.

Source: Property Casualty Insurers Association of America

Updated Sept. 5, 2019

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