Margaret Huntley Last Updated On: July 27, 2023

Driving with Car Insurance in Wisconsin

Whether you call it ‘The Badger State,’ ‘The Cheese State,’ or just plain old ‘Wisconsin’ this northern state is home to millions of drivers. And an important part of staying safe on the roads—no matter where you are in the United States—is getting car insurance

Not only is it required by law, but car insurance is also a crucial failsafe to protect yourself and your wallet while on the road. 

While very important, we understand that managing auto insurance can be a pretty intimidating task. That’s why we’ve broken down all the essential information on Wisconsin car insurance in this article to help you choose the right policy at the right price. 

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Table of Contents

Average Cost of Car Insurance in Wisconsin

Just how much is car insurance in Wisconsin? This question doesn’t exactly have a straightforward answer. 

Insurance companies base their prices on each consumer’s risk factor. This means that they use a variety of factors to determine how much of a financial risk you are to insure. 

Here are some of the main things that determine your risk and, consequentially, your policy price:

  • Age
  • Gender
  • Driving history
  • Location
  • Claims history
  • Credit score

These variables are taken into consideration alongside your type of policy and coverage amounts to determine the cost. 

As you can probably tell from that explanation, not everyone’s insurance premiums are going to look the same. There’s simply too much variation. However, you can use the calculated average to compare your own Wisconsin car insurance quotes.  

The average price of car insurance in Wisconsin is $1 202 per year, which is 21% below the national average in America.

Use this figure as a baseline to evaluate whether or not you are getting a good deal on car insurance. For example, if you have a great credit score and clean driving/claims history, your price should be at or below the average. 

Minimum Car Insurance Coverage in Wisconsin

Like all states, there are unique car insurance requirements in Wisconsin. 

For starters, you must have insurance in order to legally drive. If you don’t have insurance, don’t drive! Sounds simple (and it is), but you’d be surprised just how many people put themselves and others at risk by driving illegally without insurance

Wisconsin has its own minimum coverage insurance requirement which includes both liability and uninsured motorist coverage. Here’s the minimum amount of insurance all Wisconsin drivers must carry:

  • Liability:
    • $25 000 per person and $50 000 per accident for Bodily Injury
    • $10 000 per accident for Property Damage
  • Uninsured Motorist:
    • $25 000 per person and $50 000 per accident

The average annual premium for a minimum coverage policy in Wisconsin is $381.

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

More Auto Insurance Coverage Options in Wisconsin

While you have to carry at least the minimum, there are many other types of car insurance policies available, each with its own unique coverage options.  The most commonly recommended by insurance experts is a full coverage policy. A full coverage policy (or standard car insurance policy) includes the legal minimum requirements as well as:
  • Collision Coverage: for damages caused in a collision
  • Comprehensive Coverage: for non-collision caused damages such as vandalism or weather.
There are also several additional coverage options available to purchase as part of your Wisconsin auto insurance policy, such as:
  • Loan/Lease Payoff: for supplementing the depreciated value on your loaned or leased vehicle after making a claim.
  • Medical Payments: for additional medical costs related to vehicle accidents.
  • Rental Car Reimbursement: for covering the cost of renting a vehicle while your own is being repaired or replaced.
  • Roadside Assistance: for extra support services while driving such as a tow truck or tire change.
  • Underinsured Motorist Bodily Injury: for covering the cost of another party’s medical bills incurred as a result of an at-fault accident when said other party does not have sufficient coverage of their own.
The more coverages you have on your policy, the more that it will cost you. But you pay for a wider safety net, so it’s a fair trade off. It all comes down to carefully considering your needs while also doing what you can to save money—and we have some advice on this too! 

How to Save Money on Car Insurance in Wisconsin

ConsumerCoverage has your back when it comes to finding cheap car insurance in Wisconsin. We know the best ways to reduce the cost of car insurance and you’re about to know too!  Here are our tips: 
  • Compare Quotes Regularly
    • Insurance companies are always offering new and competitive prices, so it’s up to you to compare multiple car insurance quotes in Wisconsin to find the best price
    • Once you find the cheapest quote, don’t get too comfortable. We recommend getting new quotes every year to see if there’s a newer, better deal.
  • Actively Seek Out Discounts
    • Anything from the college you graduated from to the decision to sign up online can qualify you for a discount on insurance.
    • Research and enquire about which discounts your insurance company offers to take full advantage of these savings.
  • Bundle Your Policies
    • If you’re also in need of a homeowners insurance policy, then chances are you can bundle it with your car insurance for a reduced price on both!
    • We do caution you to be careful, however, because sometimes bundling is more expensive than using two different insurers (which is why you should regularly compare multiple quotes).
  • Be a Safe Driver
    • Driving safely is the absolute most effective way to save on insurance as it keeps your record clear of both infractions and claims. Plus, it can literally save your life!
    • Sometimes taking a safe-driving course can reduce your insurance premiums as well, especially if you have something like a DUI on your record.
  • Reduce Risk as Much as Possible
    • Little things like purchasing a vehicle with many safety features or maintaining a strong credit score have the potential to significantly decrease both your risk factor and your premiums.
  • Ask the Experts
    • While articles such as these are both informative and helpful, they’re no substitute for years of training and expertise.
    • Ask insurance agents and other experts—like us a ConsumerCoverage—for advice on how to save money on Wisconsin car insurance.
If you’re diligent in following through with this advice, you should have no problem finding the cheapest car insurance in Wisconsin. 

Free Car Insurance Comparison - Save up to 30%

No junk mail. No spam calls. Free quotes.

No Signup required

Insurance Decisions are Personal Decisions

No two people have the exact same circumstances; that’s why there are so many different options when it comes to insurance. At the end of the day, what it all boils down to are your individual needs and wants. 

If you require any help at all with your Wisconsin auto insurance, ConsumerCoverage would love to help you. You can contact us directly, or access more of our online resources

We can also give you access to free Wisconsin auto insurance quotes!  


Stay Up-to-Date
Subscribe to our newsletter and receive alerts, offers, education, and updates in your inbox.