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Minimum State Insurance Requirements » Wisconsin

25 / 50 / 10

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



Wisconsin Car Insurance Information

Badger State drivers searching for up-to-the-minute Wisconsin car insurance information need look no further than, the internet’s foremost resource for great deals on car insurance in all fifty states. The site also features useful information and statistics for each state including average insurance premiums, coverage limits and uninsured driver rates.

Wisconsin Car Insurance Information

A true Midwestern gem, Wisconsin is known for its fertile farmland, industrious workforce and beautiful scenery. In the eastern part of the state, an urbanized area stretching from Milwaukee to Green Bay features numerous highways that ice over in the winter, making for treacherous driving. To the north and west, rugged ranges of hills attract tourists in all season, many of whom run into trouble on unfamiliar back roads.

Unfortunately, the state’s harsh winters and high rates of both uninsured and drunk driving contribute to high annual premiums, on the order of $1,786 per year or $149 per month. 15 percent of the state’s drivers are uninsured, which is both a cause and result of the high rates. The bright side is that Wisconsin has a no-fault policy; rates would likely be even higher without it.

Car Insurance Minimum Requirements

Minimum coverage requirements for policyholders in Wisconsin are fairly low, at 20/40/10. In this case, this means $20,000 of per-person injury liability coverage; $40,000 of per-vehicle injury liability coverage; and $10,000 of property damage liability coverage. These figures are low compared to other states, which may help make Wisconsin more affordable for car insurance than it would be otherwise.

Car Insurance Companies

Drivers who grew up in small-town Wisconsin know that there are hundreds of family-run insurance agencies across the state that thrive on providing value and earning the trust of their customers. The need for so many insurance companies goes back to the state’s agricultural past, when farmers couldn’t travel very far from their land. Today, this translates to increased competition and thus great deals for the state’s drivers! There are many nationally-recognized insurance companies in Wisconsin as well, especially in urban areas like Madison. In order to attract customers, they too must cut rates to compete.

Free Car Insurance Quotes For Wisconsin

Both lifelong residents and first-time tourists looking for authentic Wisconsin cheese need a good insurance policy to protect against the unknown. Fortunately, finding free insurance quotes at is as simply as typing a zip code into the search box and clicking a button! Competitive rates are available from dozens of local and national agencies, ensuring that every Wisconsin driver gets the best possible insurance deal.

Car Insurance Rates

Wisconsin’s drivers pay an average of $1,786 per year for their car insurance. That makes the state one of the 10 most expensive states for insurance nationwide. The neighboring states of Michigan, Minnesota, Iowa, and Illinois are all cheaper than Wisconsin. Fortunately, the state’s drivers can get the best car insurance deals possible at, where it’s possible to save hundreds of dollars a year!