Find everything you need to know as an insured Wisconsin driver in one place—from state car insurance minimums to state laws to coverage options and more. If you call yourself a “Cheese Head” and are proud of it, this information is for you.

State Minimum Requirements

Wisconsin wants all drivers to have liability and uninsured/underinsured motorist insurance at the very least. That’s because you’re living in an “at-fault” state and if you cause an accident your insurance will have to pay for all the damages for everyone involved. Here are the minimums you’ll need:

  • $25,000 in bodily injury protection of one person
  • $50,000 in bodily injury protection of two or more people
  • $10,000 in property damage
  • $50,000 per person for uninsured motorist
  • $100,000 per accident for uninsured motorist

Additional Coverage Options

Worried the minimums don’t provide enough coverage? Consider including these popular coverage options to your policy:

  • Collision Coverage – If you crash, smash, or slide into another car, this insurance can help pay for it.
  • Comprehensive Coverage – This is your safety net insurance because it protects against damage from vandals, animals, weather, and more.

How Your Rates Are Determined

Insurance companies look at your risk profile when quoting you rates. If you’re perceived to be less risky based on a number of variable, you’ll pay less in premiums. If you’re risk profile shows you to be high-risk, you’ll pay more. Here are a few factors used by insurance companies to determine your risk:

  • Your age
  • Your gender
  • Your driving history
  • Your credit history
  • Where you live
  • Your car’s year, make and model
  • How you use your car

What Wisconson Drivers Pay For Car Insurance

Our analysis shows that the following companies provide the cheapest rates to Wisconsin drivers, on average:

 Average Annual Rates
American Family$693.40
General Casualty$918.80

Because rates vary based on your driver profile, we’ve broken down annual premiums for drivers like you. See our full analysis of the best insurance companies in Wisconsin.

Wisconsin Car Insurance Discounts

One way you can save on auto coverage is by being a good driver. Another is by qualifying for discounts. Here are some popular options you can ask about to see if they can save you money:

  • Safe driver discount
  • Good student discount
  • Multi-car discount
  • Multi-policy discount
  • Homeowners discount
  • E-pay discount
  • Defensive driver discount
  • Claims free discount

Most Stolen Cars in Wisconsin

Car thieves make insuring certain vehicles more expensive. If you drive one of the most stolen cars in Wisconsin,  your premiums may go up*:

  • Dodge Caravan
  • Honda Accord
  • Chevrolet Pickup (Full Size)
  • Honda Civic
  • Dodge Intrepid
  • Chevrolet Impala
  • Chrysler Town & Country
  • Jeep Cherokee/Grand Cherokee
  • Dodge Stratus
  • Toyota Camry

*According to

Let The Experts Help

Licensed agents have years of experience assisting Wisconsin drivers. Not only can they answer any questions you have, but they can also help you compare quotes from top insurance companies. Regardless of where you are at in the insurance process, calling 855-462-2213 can help save you time or money.

Wisconsin Resources

This site is a U.S. Consumer site. You can learn more about our site and privacy policy here.