Wisconsin Car Insurance

Your Complete Guide to Car Insurance in Wisconsin

Full analysis of FAQs regarding cost, coverage and much more.

How much does Wisconsin car insurance cost?

On average, Americans pay $1,474 per year for their auto insurance. Wisconsin drivers pay on average about $1,087 per year. Make sure you're getting the best rate by comparing quotes from a variety of insurance companies. 

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What does Wisconsin car insurance actually do for me?

Driving on Wisconsin roads can be dangerous. Accidents happen. If you find yourself in one, here's what your car insurance will do for you:

  • Fix your car: (Required) We call this "comprehensive and collision coverage."
  • Fix someone else's car: (Not required) We call this "property damage liability."
  • Pay your medical bills: (Required) Minimum $10,000.  We call this "personal injury protection" or "PIP."
  • Pay someone else's medical bills: (Not required) We call this "bodily injury liability."

You'll notice that Wisconsin requires every driver to have a certain amount of insurance that will pay for someone else's vehicle damage and medical bills. Most states have similar laws to ensure that drivers are prepared for accidents they cause.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course.

How many WI drivers are uninsured? 11.7%

The problem is that sometimes people drive without any insurance. They drive without a financial backup plan for accidents.

That's where "uninsured motorist coverage" comes in. If you are hit by an uninsured driver, this insurance coverage will pay to fix your vehicle and handle your medical bills.

Typically, after paying you, your insurance company will then attempt to collect compensation from the offending driver.

Wisconsin does require you to have uninsured motorist coverage.

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