The Badger State

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Wisconsin Auto Insurance

There are many qualities about Wisconsin that make living here so great. From the friendly people and beautiful outdoors to the statewide appreciation for beer, cheese and ice fishing, there’s always something to do in Wisconsin. On the other hand, there is also the Wisconsin weather, which can take its toll on roads and drivers, making accidents all too common. This makes it essential for all drivers in Wisconsin to obtain financial protection from any unanticipated mishaps that can happen on the road. Such financial protection comes in the form of Auto Insurance.

Auto Insurance rates in Wisconsin can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!

Try our simple form for an AIS Instant Quote®. This quote will be a range of our Auto Insurance partners' rates for the coverage you select, then you can pick the price you like, too.

Required Auto Insurance in Wisconsin

Like the majority of states in the country, Wisconsin legally requires drivers to carry Liability Insurance. This type of coverage protects other drivers from expenses caused by an accident in which you were at fault. In other words, if another person is hurt by a car collision that you caused, your Liability Insurance will cover the costs of that person’s medical bills, up to your policy limits. The same principle applies if you damage someone else's vehicle or property in an accident.

In addition, all Wisconsin drivers must maintain Uninsured/Underinsured Motorist Coverage. This type of insurance compensates you for injuries or damages incurred in an auto accident in which the other driver was at fault but does not have the proper Auto Insurance. While the minimum amount of Uninsured/Underinsured Motorist Coverage you must carry only needs to match the limits on your Liability Insurance, it’s highly recommended that you set your minimum limits at a higher level. This will prevent you from paying out-of-pocket for your own injuries and/or damages after a collision that was not your fault.  

State Minimum Liability Coverage in Wisconsin

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $10,000 per accident

State Minimum Uninsured/Underinsured Motorist Coverage in Wisconsin

  • BI or Bodily Injury: $25,000 per person, $50,000 per accident
  • PD or Property Damage: $10,000 per accident

To learn more about specific Auto Insurance coverage, visit our Car Insurance Coverage page.

Optional Coverage in Wisconsin

People who live in Wisconsin know that a light jacket isn't always enough to keep you warm in the wintertime. Similarly, a "light" amount of Auto Insurance coverage may be insufficient to protect you from having to pay some accident-related costs out of your own pocket. For this reason, there are multiple optional coverages and higher limit options offered to drivers that can provide a thicker layer of protection against a financial calamity.

Below are some examples you may want to consider:

  • Collision Coverage*: Even the most skilled driver can get caught off guard by adverse weather conditions. And if you slide off an icy, snowy or wet road and hit a tree or other heavy object, your car could sustain thousands of dollars in damages. Collision coverage will pay out whatever is needed to get your vehicle back to its pre-crash condition, up to your policy limits. This coverage also takes care of auto repair bills from accidents for which you are responsible.
  • Comprehensive Coverage*: If all you have is the minimum Liability Insurance, and a tree falls onto your car during a snowstorm, you will have to pay to get your vehicle fixed out of your own pocket. And if your vehicle is stolen, you have to come up with the cash for another one. But if you purchase Comprehensive coverage, your insurance company will foot the bill for repairing or replacing your vehicle in these situations, up to policy limits.
  • Higher Bodily Injury Limits: Sadly, not all auto accidents are minor fender benders from which everyone walks away unscathed. Sometimes, people get hurt badly and require expensive medical attention. If you cause a crash and a victim's medical bills exceed your Bodily Injury limits, you may have to pay the difference with your own funds. That's why many Wisconsin drivers choose to boost their maximum Bodily Injury limits on their Liability Insurance policy.
  • Higher Property Damage Limits: It's also a good idea to reflect on whether the minimum Property Damage limits on your policy are sufficient. After all, $25,000 is about the price of a new mid-sized sedan that your insurance would be responsible for if you totaled such a vehicle in an accident. And if you are held liable for a multi-vehicle accident on a freeway – well, you may be paying some of those costs out of your bank account if your Property Damage limits are inadequate.

*Although Collision coverage and Comprehensive coverage are not required by law, they may be required in your car loan or lease contract with the lender.

It's true that Wisconsin requires drivers to maintain more Auto Insurance coverage than many states. But many residents still choose to invest in one or more of these optional policies in order to protect themselves from potential financial ruin in the event of a serious event. If you want to know how you can get that protection for your family, contact an AIS agent today.

Most Stolen Car Models in Wisconsin

If you own a car that is highly targeted for theft, you may find that your Car Insurance rate is increased. According to www.nicb.org, these are the top 10 cars that were stolen in Wisconsin in 2017:

  1. Dodge Caravan
  2. Honda Civic
  3. Jeep Liberty
  4. Honda Accord
  5. Toyota Camry
  6. Chevrolet Impala
  7. Ford Pickup (Full Size)
  8. Chevrolet Pickup (Full Size)
  9. Chrysler Town & Country
  10. Nissan Altima

Wisconsin Auto Insurance Discounts

Even though you have to purchase Auto Insurance, there's no law that says you have to overpay for it! There are plenty of Car Insurance discounts available for Wisconsin drivers, and these discounts can often result in hundreds of dollars of savings annually.

Examples of Wisconsin Auto Insurance discounts you may qualify for include:

  • Safe Driver
  • Multi-Vehicle
  • Good Student
  • Accident Free
  • Anti-Theft
  • Multi-Policy

To learn more about specific discounts, visit our Discounts page.

There's a lot to love about living in Wisconsin. But if you don't have the proper Auto Insurance, you won't be able to drive to all corners of the state to enjoy the adventures Wisconsin offers. To obtain coverage that's ideal for your needs, call Auto Insurance Specialists. The agents of AIS have been pairing drivers with affordable Auto Insurance for more than four decades! And our Insurance Specialists can do the same for you! Give us a call today and make sure you are protected with the right Wisconsin Auto Insurance at a great price.

Start a Wisconsin Auto Insurance Quote Today: (888) 772-4247 Get Online Quote

About Wisconsin

You can apply for the Wisconsin Automobile Insurance Plan for high-risk drivers if you are unable to secure Auto Insurance in the regular market.

You do not need proof of insurance to register your vehicle or apply for a driver's license in Wisconsin.

Notable Wisconsin Attractions


Harley-Davidson Museum

The Dells of Wisconsin River

Land O' Lakes