Wisconsin Car Insurance Laws: Everything You Need to Know

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Wisconsin car insurance laws require that you carry a minimum level of coverage. Failing to meet these insurance requirements can lead to high out-of-pocket costs following an accident or even expensive fines.

Table of Contents

  • Wisconsin Auto Insurance Costs by Insurer
  • Average Wisconsin Insurance Rates After A Violation or Accident
  • Wisconsin Auto Insurance Premiums by Driver Age
  • Expensive Wisconsin Cities
  • Cheaper Wisconsin Cities
  • No-fault Insurance in Wisconsin Information
  • Other Types of Insurance Available in Wisconsin
  • List of Insurance Companies in Wisconsin
  • Resource Section

    Wisconsin Auto Insurance Costs by Insurer

    Auto insurance is a legal requirement in Wisconsin. Wisconsin drivers must carry active insurance that meets the state’s minimums. This means:

    • $25,000 of bodily injury liability per person.
    • $50,000 of bodily injury coverage per accident.
    • $10,000 of coverage for property damage.

      Some drivers may also choose to add on additional coverage for uninsured drivers of $25,000 per person and $50,000 per accident. Wisconsin car insurance laws also require drivers to carry underinsured motorist bodily injury (UIMBI) of at least $50,000 per person and $100,000 per car accident. This covers your costs if you are in an accident with an uninsured or underinsured driver.

      In addition to having an active car insurance policy, drivers must also carry proof of insurance when driving a vehicle. Law enforcement may request a copy of the policy at any time.

      Average Wisconsin Insurance Rates After A Violation or Accident

      Getting into an accident, whether you are at fault or not, can increase your insurance rates in Wisconsin. Additionally, traffic violations or no proof of insurance can also lead to higher rates. Failing to carry the minimum insurance required or not having proof of insurance can be costly in the state of Wisconsin. This proof is referred to as proof of financial responsibility. Failing to provide this proof could lead to:

      • Up to $500 in fines.
      • Suspension of driver’s license.
      • $30 reinstatement fee.

        If you are in a car accident and do not have insurance, you will have to pay for medical costs and property damages out of pocket. Additionally, carrying fraudulent insurance can lead to up to $ 5000 in legal fines. Wisconsin laws allow you to show proof of insurance with either a hard copy of your insurance policy or a mobile document. It can be helpful to download your insurance provider’s app and locate your proof of insurance ahead of time.

        If you are in a car accident, the state may request that your insurance provider file an SR-22 with the state.

        It is important to note that laws regarding car insurance in Wisconsin change frequently. Understanding these laws is necessary to avoid expensive fines or increases in your insurance rates. Just a few changes to Wisconsin laws that have occurred recently include a ban on texting and driving and a ban on using mobile phones for all beginner drivers.

        Wisconsin Auto Insurance Premiums by Driver Age

        Your age can affect your insurance premium. Other factors that also affect Wisconsin insurance rates include:

        • Age.
        • Driving record.
        • Credit history.
        • Marital status.
        • Your location.
        • Number of miles driven.
        • Type of vehicle.
        • How long you have had auto insurance.
        • Gender.
        • Length of driving history.
        • Purpose of vehicle (work or personal).

          Because each of these factors can go into your insurance quote, you are likely to receive different prices from different providers, making it even more important to shop around.

          Expensive Wisconsin Cities

          Wisconsin insurance rates tend to be costlier in busier cities. Of course, other factors can also affect your car insurance rates, such as if you have any previous car accidents or violations on your record.

          Cheaper Wisconsin Cities

          Rural cities tend to have cheaper insurance rates in Wisconsin. However, even if you live in a busier city, you may find cheaper rates with the following tips:

          • Compare quotes among various providers.
          • Remove unnecessary coverage.
          • Look for insurance discounts, including good driver or good credit discounts.

            It is always a good idea to compare quotes among numerous providers to get the best rate.

            No-fault Insurance in Wisconsin Information

            The average insurance policy in Wisconsin is $767 annually, which includes $385.51 of liability, $238.26 of collision, and $143.62 of comprehensive.

            Liability coverage includes any damages that you cause, including both bodily injury and property damages. Bodily injury covers medical expenses, whereas property damages cover the cost of repairs of any damage that you cause to someone else’s property. Liability insurance does not cover damages to your own vehicle.

            Collision and comprehensive coverage cover the cost of vehicle repairs, whether damages are due to a car accident, vandalism, theft, fire, flooding, or collision with an object. Collision coverage can lead to higher insurance rates and may be a requirement if you have a loan on your vehicle or you drive a leased vehicle.

            Other Types of Insurance Available in Wisconsin

            Some drivers may choose to add on additional forms of insurance, including MedPay. MedPay covers your medical costs following a car accident, regardless of who is at fault. This type of insurance is helpful if you are in an accident with a driver who does not have insurance. In Wisconsin, uninsured motorist coverage is applied to bodily injury.

            This insurance usually covers up to $ 1000 per accident. Even if you have health insurance, it can be helpful for covering medical copays and deductibles. Some drivers may also opt for roadside assistance to be included with their insurance policy. With roadside assistance coverage, your insurance provider will assist with things like fixing flat tires, towing your vehicle to a nearby shop, and jumping your battery.

            List of Insurance Companies in Wisconsin

            Wisconsin drivers have a lot of car insurance options. According to Forbes, Progressive accounts for the largest share of the market, holding about 20 percent of Wisconsin policies. American Family is another prominent insurance option in Wisconsin, accounting for almost 19 percent of insurance policies. State Farm holds about 14 percent of Wisconsin policies and Geico, Allstate, Erie Insurance, and Acuity, A Mutual Insurance Co. all have around 3 percent of policies. West Bend Mutual Insurance Co., USAA, and Liberty Mutual also account for around 2 percent of the market each.

            Other insurance companies in Wisconsin include Auto- Owners, Farmers Insurance, Auto Club Insurance Association, SECURA Insurance, Grange Insurance, Wisconsin Mutual Insurance Company, Rural Mutual Insurance Company, MetLife, Travelers, and The Hanover Insurance Group.

            Wisconsin drivers have a lot of options, allowing you to shop around for the best rate. Also, knowing the laws regarding Wisconsin’s insurance coverage will help secure enough insurance for your needs.






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