Instant Wisconsin Car Insurance Quote – WI Auto Insurance

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If what you are looking for is an affordable car insurance policy in Wisconsin, then you are in luck. You can begin with instant car insurance quotes that will allow you to compare leading carriers quickly and easily. All you need is your zip code above.

You can find the best car insurance in Wisconsin if you look in the right places. Through the use of various resources especially those found on our site, finding a suitable Wisconsin car insurance quote has never been easier. With a little time and patience you can find a policy matching your financial capabilities and lifestyle.

Minimum Auto Insurance Requirements In Wisconsin

As I’m sure you’re aware car insurance is mandatory in Wisconsin. Like every other state they have set their own minimums for the amount of insurance you need to carry. Bizarrely, Wisconsin is one the few states to have ever lowered their minimum liability requirements after raising them. Between January 1, 2010 and November 1, 2011 Wisconsin required what is know as 50/100/15 insurance coverage. This meant minimum liability coverage of:

  • $50,000 for the injury or death of one person.
  • $100,000 for the injury or death of more than one person.
  • $15,000 for property damage.

The 2011 Wisconsin Act 14, means starting from November 1, 2011 you’ll only be required to have 25/50/10 coverage. This means:

  • $25,000 for injury or death of one person;
  • $50,000 for injury or death of two or more people; and
  • $10,000 for property damage.

In addition to the liability coverage minimums listed above, you are also required to carry Uninsured (UM) and Underinsured (UIM) motorist coverage. Prior to November 1, 2011 this needed to be $100,000/$300,000 bodily injury coverage (for both UM and UIM), while after that date only $25,000/$50,000 Uninsured motorist coverage is required. Underinsured coverage will no longer be mandatory.

It should be pointed out that these are minimums only! You should strongly consider getting more liability coverage than the absolute minimum. Moreover, you should also consider buying additional forms of coverage such as Medical Payments Coverage, Collision and Comprehensive Coverages as outlined in the Wisconsin Consumer’s Guide to Auto Insurance.

Wisconsin State Auto Insurance Laws

As you can see from the information above, making sense out of Wisconsin auto insurance can be difficult. We’ve provided some basic information about Wisconsin’s insurance laws, but if you have more difficult questions, it’s best to get in contact with the Office of the Commissioner of Insurance and/or the Wisconsin Department of Transportation (see links at the bottom of this page).

Overall, car insurance in Wisconsin is governed by the Financial Responsibility Law for Motor Vehicles Accidents (last updated by 2011 Wisconsin Act 14). In addition to the minimums outlined above, it also establishes a few other important things that impact you as a driver.

First, you are required to have proof of insurance. Most insurance companies meet this obligation by sending in an SR-22 form on your behalf. They will then send you an insurance card, proving you are in fact insured. Be sure to keep this in your car because…

From June 1, 2010, drivers are required to show that they are insured at any traffic stop or accident site if requested by law enforcement. Failure to do so could result in these penalties:

  • Fine of up to $10 if you fail to show proof of insurance on the spot.
  • Fine of up to $500 if you have no insurance (Or don’t provide proof within a reasonable time frame).
  • Fine of up to $5,000 if you offer fraudulent proof of insurance.

It is also very important to be aware that Wisconsin auto insurance operates under the at fault principle. Thus, “If you cause an auto accident, you may be responsible for the losses of the other people involved. A claim may be made or a lawsuit filed against you for those losses. You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person. The amount of money you may have to pay could be substantial.”

Beyond these basics it is a good idea to be aware of laws like the Wisconsin Safety Responsibility Law and Comparative Negligence Law. You should always obey the rules of the road, never speed and never ever drink and drive.

Wisconsin Car Insurance Companies

If you have a particular Wisconsin based insurance company in mind, but would like to know more about them, the Wisconsin Commissioner of Insurance has a Company Lookup page. Similarly they also have an Agent/Agency Lookup page as well.

On the other hand, if you have no idea where to begin looking for a company we have a few suggestions. The easiest is just to use our free quote forms at either the top or bottom of this page. The other is to manually visit the websites of the following insurers who are all members of the Insurance Information Institute.


Allianz of America, Inc.

Allstate Insurance Group

Bituminous Insurance Companies

Chubb Group Of Insurance Companies

Erie Insurance Group

Farmers Group, Inc.


Grange Insurance

GuideOne Insurance

The Hanover Insurance Group, Inc.

The Hartford Financial Services Group

Harleysville Insurance

Holyoke Mutual Insurance Company

Liberty Mutual Group

MetLife Auto & Home


OneBeacon Insurance Group

Safeco Corporation

SECURA Insurance Companies

Selective Insurance Group

State Auto Mutual Group

State Farm


Unitrin P/C Insurance Group


West Bend Mutual Insurance Company

Westfield Group

Zurich North America

Average Wisconsin Auto Insurance Rates

By most definitions Wisconsin is a low cost state. Finding the true average Wisconsin auto insurance rate is difficult because different sources give conflicting numbers. What they all agree with, is that the state is cheaper than the national average.

In 2007, the Insurance Information Institute (I.I.I.) found that the state was the 7th cheapest in the US. According to their figures, average annual premiums were just $582. This is well below the national average of $796 for that year.

On the other hand, gives sightly higher figures. For 2011, it claims the average quoted rate on their website is $1,061 per year for a policy. Not as cheap as the I.I.I. but still less than their national average quoted price of $1,436.

Wisconsin Car Accident Statistics

The Wisconsin Department of Transportation has a very good website on Safety and Consumer Protection. It not only lists crash facts and statistics, but also ways you can keep safe on the road. Lowering your insurance premiums is just a bonus to staying accident free.

On the surface the state seems to be doing fairly when it comes to driver safety. The National Highway Traffic Safety Administration reports that the fatality rate per 100 million miles driven in the state in 2009 is just 0.96; below the US average of 1.14. Yet this still resulted in 542 traffic deaths, 41,589 persons injured and 109,991 total crashes.

Although the numbers have been falling in recent years it is still too may. The 5 worst counties were: Milwaukee County, Dane County, Waukesha County, Marathon County and Marinette County.

The state looks even worse when it comes to drunk driving statistics. According to the Wisconsin Department of Transportation the state has the highest level of drunk drivers in the country. 26% of adults have admitted to driving drunk at least once in the past year. This resulted in 238 people killed, nearly 4,000 people injured and 44,000 DUI convictions.

Needles to say don’t drink and drive. You can learn more about Wisconsin’s 0.08 law and how to stay safe on the road from the Department of Transportation website.

Why You Should Get Wisconsin Car Insurance Quotes

There are many excellent car insurance sites that provide information and tools to buy and save money on insurance. Through these sites, you can get instant Wisconsin car insurance quotes and compare them.

You may even be able to purchase a policy online. Apart from quotes, there are also sites that offer an extensive array of options. These options can assist you in making informed decisions about your auto insurance policy.

Aside from these advantages, you can also take advantage of the competitive rates that are provided by many auto insurance companies in Wisconsin. Another great thing about Wisconsin insurance rates is they are never the same. This means that the rate changes on a yearly basis and from location to location. Your Wisconsin car insurance quote next year can be lower than it was this year.

To get the best deal, it is highly advised that you get Wisconsin car insurance quotes and compare them to other quotes. This will help you get the most affordable deal suited for your payment capabilities and lifestyle.

Apart from a low rate, you must also learn how to compare the scope of the insurance coverage of every plan. Check out the form below for a cheap Wisconsin car insurance quote.

Enter Your Wisconsin Zip Code:

Insurance Guides For Wisconsin’s Cities

Green Bay



More Information

State of Wisconsin – Office of the Commissioner of Insurance

Drivers & Vehicles – Wisconsin Department of Transportation

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