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

Bodily Injury Requirements in Wisconsin

Bodily injury liability insurance is required in most states. This coverage helps pay for the other party's medical expenses when you're responsible for causing the car accident.

In Wisconsin, you'll need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. Many insureds opt for higher limits when purchasing insurance so they have sufficient protection.

Property Damage Requirements in Wisconsin

Property damage liability helps pay for damage to another driver's property when you're at fault. This coverage is mandatory in most states and should be carefully considered when selecting car insurance.

In Wisconsin you'll be responsible for carrying a minimum of $10,000 in property damage liability. With the cost of vehicles only increasing, you may want to check out higher limits of protection to avoid any financial distress.

Medical Payments Coverage Requirements in Wisconsin

Personal injury protection, or PIP, under your auto policy provides coverage for your medical expenses when you sustain injuries due to an at-fault car accident. PIP is a requirement in some states when selecting auto coverages. 

In Wisconsin, you are not required to carry PIP. However, if you want similar protection, medical payments coverage can help. This limit will cover your hospital bills and is optional on every local auto policy. 

Uninsured Motorist Coverage in Wisconsin

Uninsured motorist coverage will pay for your expenses when an uninsured driver is to blame for a car accident. In Wisconsin, this limit is required under your auto insurance policy and is necessary to be fully protected. 

Even though uninsured motorist coverage is mandatory, not everyone follows the law, putting you at risk. In Wisconsin, 14.3% of all drivers on the road are without auto coverage today. 

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Optional Car Coverage in Wisconsin

All auto policies will have a selection of optional coverages. Among the most popular are collision insurance and comprehensive insurance, which help pay for damage to your vehicles when an accident occurs.

In Wisconsin, and most other states, you will not have coverage for your vehicles themselves unless you add it. Optional coverages can help protect your property and cars in the event of a loss for an additional premium. 

Car Insurance Discounts to Consider in Wisconsin

In Wisconsin, you may qualify for several discounts on insurance. To save 30% or more, consider having multiple policies with one carrier to cut costs. 

An association discount can also be applied when you're part of a teachers union, attorney group, or government agency. If being loyal to one insurance company is your thing, then look for savings of 5% to 10% on coverage.

How to File a Car Insurance Claim in Wisconsin

If you've had an auto accident, things might seem chaotic, making it difficult to remember what to do. Take a look at these simple steps for filing a car insurance claim in Wisconsin:

First, ensure everyone is safe and medical attention is sought. Second, call your independent insurance agent and report the claim as soon as you can. Third, get a police report filed and take pictures for proper documentation. Last, schedule a meeting with your assigned adjuster to go over the damage and collect any payment due.