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Car Insurance in Wisconsin

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Wisconsin Car Insurance Quotes

In Wisconsin, the average monthly cost of auto insurance is $141. Drivers are paying 25% less for car insurance than the national average. Wisconsin has a lower crime rate and fewer accidents than more densely populated urban environments, resulting in lower premiums.

Similar to other states, the rates in Wisconsin can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. 

Read on to learn more about properly insuring your car in Wisconsin. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Wisconsin Car Insurance Laws

Wisconsin car insurance requirements specify that drivers must hold a minimum liability coverage policy. While proof of car insurance is not required to obtain a driver’s license or register a vehicle, you must show it to law enforcement officers if you’re pulled over or are in an accident. 

Wisconsin’s car insurance minimums are:

  • $25,000 for injury or death to one individual in an accident
  • $50,000 for injury or death to two or more people in a single accident
  • $10,000 for property damage

Wisconsin’s car insurance minimums are on par with the national average.

Wisconsin drivers must also carry uninsured motorist coverage with a $25,000 bodily injury limit for one person and $50,000 for two individuals.

Liability coverage doesn’t pay for the driver’s medical expenses or property damage. It only covers expenses for others involved in the accident if the insured individual is at fault. If you want to protect yourself and your property from the costs of an unforeseen accident, consider purchasing collision or comprehensive coverage. If you finance your vehicle, your lender may require such coverage as a condition of your loan contract.

Cheapest Insurance in Wisconsin

EverQuote analyzes various factors that impact the final cost when determining auto insurance premiums. These variables include driver age and record, car model, consumer profile, and available discounts.

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Wisconsin. 

Rank Insurance company Average monthly premium
1 Secura $78
2 USAA $90
3 Geico $95
4 Nationwide $117
5 Progressive $117
Avg. monthly premiums are weighted by zip code population sizes

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Proof of Insurance

“ Wisconsin has no new car insurance grace period, so you must obtain coverage before driving your vehicle. ” 


Driving without insurance in Winsconsin can result in a $500 fine and potential suspension of your driver’s license. If you provide fraudulent proof of auto insurance, the state may fine you up to $5,000.

If you purchase a new or used vehicle in Wisconsin, add it to your insurance policy according to your insurer’s requirements. Wisconsin has no new car insurance grace period, so you must obtain coverage before driving your vehicle.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Wisconsin?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Wisconsin?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Wisconsin?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.