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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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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 auto insurance coverage, uninsured motorist coverage, and underinsured motorist coverage 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 is a list of the minimum insurance requirements you’ll need on your policy:

  • $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

Are you worried that the minimums don’t provide you with enough coverage? You can discuss with your insurance company and consider including these popular coverage options to your insurance 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. Customers will pay less for their insurance premiums if they are perceived to be less risky based on a number of variables, such as location, driving history, credit scores, and more. If your risk profile shows you to be high-risk, you’ll pay more regardless of which auto insurance provider you use. Here’s a list of a few factors that are typically 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

Of course, everyone is going to have a different rate based on their personal risk factors. However, across the board and based on the same driver profiles, certain insurance providers show up as offering cheaper car insurance than others. 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

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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

Auto insurance discounts are a great way to save on your annual insurance rates. There are several ways that you can qualify for discounts. One way you can save on auto coverage is by being a good driver. Below you can find some popular options for auto insurance discounts that you can ask your insurance agent or insurance provider about to see if you qualify.

  • 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. While some companies offer an anti-theft discount for drivers who have an anti-theft device installed in their vehicle, the type of automobile you have can still make a difference in risk factor. If you drive one of the most stolen cars in Wisconsin, your premiums may be higher*:

  • 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 an agent can help save you time or money.

Wisconsin Resources

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