Wisconsin Car Insurance


If you live in Wisconsin you proudly claim the ‘Cheesehead’ title, announcing to the world the state that you represent. Cheeseheads all across the state of Wisconsin have one thing in common: they have car insurance in place, at least if they want to do things legally. Drivers in the state are required by law to carry minimum amounts of auto insurance. Failure to comply with the law could result in penalties, and you’ll be responsible for any and all damages resulting in an automobile accident. It’s just not worth the risk.

Wisconsin Car Insurance Requirements

If you do not want to break the car insurance laws in the state, you’ll need to find an insurance company to provide you with, at a minimum, the following amounts of coverage:

  • Bodily Injury: $25,000/ $50,000
  • Property Damage: $10,000

Uninsured/ Underinsured Motorist: $100,000/ $300,000

This policy provides compensation for the other party involved in the accident. None of your medical bills or damages are covered.

Optional Car Insurance in Wisconsin

If you want greater protection than what is found with the state-required auto insurance, optional auto insurance is available. These policies may or may not be beneficial to your needs, so talk to an insurance agent to learn more. Types of optional car insurance in the state include:

  • Collision
  • Comprehensive
  • Rental Car reimbursement
  • Med Pay

Factors Affecting Wisconsin Car Insurance Rates

No, numbers aren’t falling out of the sky to determine your car insurance rates. Car insurance companies actually use a number of factors to determine the amount of your coverage. Some of these factors are controllable while others are not. Some of the factors that affect the cost of your auto insurance policy:

  • Age
  • Driving Record
  • Where you Live
  • Educational Level
  • Insurance History
  • Amount of Coverage
  • Type of Coverage
  • Deductible Amount
  • Company you Insure with
  • Type of Vehicle being Insured

To help keep your premiums at a minimum, make sure that you avoid accumulating any tickets or accidents on your driving record. You must also make sure that you compare rates between several companies, since rates greatly differ. You might also consider increasing the amount of your deductible. For cautious drivers who always follow the rules of the road, this step could result in a nice chunk of savings. Also keep in mind that the type of vehicle being insured affects the rates. A luxury or sports car will cost more to insure than other vehicles. If you have one of the most commonly stolen vehicles it will also cost you more.

Wisconsin Car Insurance Discounts

While you are required to carry car insurance, it isn’t required to spend an arm and a leg for your protection. Comparing is always an easy way to save, but it is certainly not the only way. Consider discounts. Car insurance companies throughout the state offer discounts that can save you up to 40% on the cost of your coverage.

Here are some of the many car insurance discounts offered in the state:

  • Multi-Car
  • Multi-Policy
  • Loyal Customer
  • Safe Driver
  • Good Student
  • Paid in Full discount

Be sure to ask your insurance agent about these discounts and others that you might be interested in.

Wisconsin Car Insurance Quick Facts

Proof of insurance is not required to register your vehicle, but you still need to make sure that you have proof of coverage inside of your vehicle at all times. You’ll need to show it when requested by an officer of the law, as well as after being involved in an automobile accident.

If you find it difficult to obtain auto insurance in the state due to a poor insurance history, the Wisconsin Automobile Insurance Plan is able to help you with a policy. Keep in mind your policy will be considerably higher.