Wisconsin Car Insurance FAQ - Quick Answers

The average car insurance rate in Wisconsin is $930 per year, coming in much lower than the national figure of $1,311 annually. For exact costs, get multiple quotes with several carriers through a trained professional. 

In Wisconsin you'll have individualized car insurance, however, there are standard limits that many drivers choose below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage to your vehicle due to a non-collision event such as a flood or storm damage.
  • Collision: Pays for damage to your care from a collision with another driver.

In Wisconsin, you are required to carry car insurance at the minimum limits shown below or more in order to drive on the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $10,000 in property damage liability
  • Uninsured motorist liability 

Every state has several carrier options when it comes to car insurance. In Wisconsin, Nationwide, Safeco, State Auto, and Travelers insurance companies are among the best. These markets are highly rated because of their excellent claims handling and customer service. 

No. Wisconsin is an "at-fault" state. This means that the driver who caused the accident is responsible for covering the expenses for damage and injuries. 

No. Wisconsin law does not require drivers to provide proof of insurance when registering a vehicle in the state. You will have to show evidence of insurance if you get pulled over or are in an accident, however. 

Do You Know What Your Car Insurance Covers in Wisconsin?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Appleton18.40.75$1,096
Eau Claire16.20.94$1,074
Green Bay181.18$1,120
Kenosha241.72$1,214
La Crosse15.81.22$1,098
Madison19.62.09$1,265
Milwaukee22.25.84$1,466
Oshkosh17.10.89$1,137
Racine22.41.24$1,249
Sheboygan16.40.39$1,053
Waukesha21.70.52$1,212
Wauwatosa20.91.34$1,316