Looking for cheap car insurance in Wisconsin? Compare quote options using the same driver, vehicle, and coverage details so you can evaluate price and protection side by side. Wisconsin requires liability insurance and uninsured motorist bodily injury coverage, while winter weather, severe storms, repair costs, and nearly 18,000 deer crashes in 2025 can make optional comprehensive and collision coverage especially relevant for many drivers.
Comparing auto insurance in Wisconsin is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Wisconsin pricing is shaped by Milwaukee and Madison traffic, winter weather, severe storms and hail, repair costs, rural roads, and unusually high deer-collision exposure. WisDOT reported preliminary 2025 data showing 17,795 deer crashes statewide, causing six deaths and 720 injuries. Comprehensive coverage is the part of a typical personal auto policy that can cover damage to the insured vehicle from hitting a deer, subject to the policy terms and deductible.
Wisconsin premiums can vary between Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Eau Claire, La Crosse, Oshkosh, northern lake communities, college towns, suburbs, and rural counties because insurers consider garaging location or rating territory, traffic density, driving record, annual mileage, vehicle type, theft and claim patterns, severe-weather exposure, prior insurance, coverage choices, and credit-based insurance score where used.
25/50/10 + UM 25/50
$25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people, $10,000 property damage liability, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident
At Fault
Not required; medical payments coverage must be offered
Wisconsin does not require PIP for standard private passenger auto policies. Insurers must offer medical payments coverage, but drivers may decline it. If purchased, Wisconsin OCI says the minimum available medical payments limit is $1,000 per person.
Required UM 25/50; UIM optional
Wisconsin requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident. UM protects against bodily injury caused by an uninsured or hit-and-run driver; it does not provide property-damage coverage for your vehicle. Underinsured motorist coverage is optional, but insurers must notify policyholders that it is available. If UIM is purchased, the minimum limits are $50,000 per person and $100,000 per accident.
Recent rate data estimates Wisconsin annual auto insurance premiums at about $1,969 ($164/month) for full coverage and $512 ($43/month) for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Wisconsin average, full coverage | ~$1,969/yr (~$164/mo) |
| Wisconsin average, minimum required coverage | ~$512/yr (~$43/mo) |
| Lowest sampled full coverage (NerdWallet) | ~$991/yr (~$83/mo) |
| Lowest sampled minimum coverage (NerdWallet) | ~$280/yr (~$23/mo) |
Forbes Advisor July 2026 state-rate analysis using Quadrant Information Services. Full coverage is based on a 40-year-old female driver with a new Toyota RAV4, 100/300/100 liability, 100/300 uninsured motorist coverage, and $500 comprehensive/collision deductibles. The minimum-coverage figure reflects Wisconsin state-minimum requirements.
Source: Forbes Advisor / Quadrant Information Services 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code or rating territory, driver profile, driving record, vehicle, annual mileage, coverage limits, deductibles, prior insurance, claims history, credit-based insurance score where used, discounts, and carrier.
Wisconsin minimum coverage focuses on required protection such as $25,000 bodily injury or death liability for one person, $50,000 bodily injury or death liability for two or more people, $10,000 property damage liability, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
“Full coverage” is not a coverage type defined by Wisconsin law. It usually means carrying the required liability and uninsured motorist coverage plus comprehensive and collision coverage, often with higher liability limits. Comprehensive can cover many non-collision losses such as theft, vandalism, weather damage, and hitting a deer, subject to the policy terms and deductible. Lenders and lessors may require comprehensive and collision even though Wisconsin law does not.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Wisconsin uses an SR-22 certificate as proof of future financial responsibility in certain situations, including obtaining an occupational license after suspension or revocation, reinstating after certain revocations, and reinstating after some damage-judgment or uninsured-motorist/safety-responsibility suspensions. Wisconsin DMV says the certificate must show at least 25/50/10 liability limits and generally must be maintained for three years from the date the driver becomes eligible to reinstate. Some exceptions apply, so drivers should follow the exact period shown by DMV.
Wisconsin DMV guidance reviewed for this page refers to SR-22 proof of insurance or financial responsibility, not FR-44. Do not publish FR-44 as a standard Wisconsin filing.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Wisconsin auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Wisconsin drivers, including:
Wisconsin drivers should ask about accident-free, good-student, multi-vehicle, multi-policy, low-mileage, anti-theft, vehicle safety, telematics, driver-safety-course, paperless billing, automatic payment, and pay-in-full discounts where offered. OCI also recommends shopping around, maintaining a clean driving record, and considering a higher comprehensive or collision deductible if the added out-of-pocket risk fits the driver's budget.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Mutual Automobile Insurance Company | 15.89% |
| 2 | Progressive Universal Insurance Company | 13.24% |
| 3 | Artisan and Truckers Casualty Company | 11.91% |
| 4 | American Family Mutual Insurance Company SI | 8.31% |
| 5 | American Family Insurance Company | 5.21% |
| 6 | Erie Insurance Exchange | 3.93% |
| 7 | Acuity, A Mutual Insurance Company | 3.57% |
| 8 | Allstate Property and Casualty Insurance Company | 3.25% |
| 9 | West Bend Insurance Company | 2.59% |
| 10 | Owners Insurance Company | 2.36% |
Source: Wisconsin Office of the Commissioner of Insurance 2025
Carrier rankings are based on the Wisconsin Office of the Commissioner of Insurance 2025 Wisconsin Market Shares - Top 20 report for Private Passenger Auto. This source ranks individual legal insurer companies rather than consolidated consumer-facing insurance groups, so affiliated companies under brands such as Progressive or American Family may appear separately. Market share is not a recommendation and does not indicate which insurer will quote the lowest rate for a specific driver.
The 2025 Wisconsin OCI report is newer than the prior 2024 NAIC group table and should be preferred for freshness. Because it is company-level rather than group-level data, do not compare individual-company percentages directly with the older consolidated group shares.
Find auto insurance in these major Wisconsin cities:
A current 2026 statewide benchmark estimates Wisconsin car insurance at about $1,969 per year ($164 per month) for full coverage and $512 per year ($43 per month) for minimum required coverage. These are modeled averages, not quotes. Your actual premium can vary by ZIP code or rating territory, driving record, vehicle, mileage, limits, deductibles, prior insurance, claims history, discounts, credit-based insurance score where used, and carrier.
Wisconsin requires at least 25/50/10 liability coverage: $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. Wisconsin also requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident.
Yes. Wisconsin generally requires liability insurance to be in force when operating a motor vehicle, although limited alternatives such as approved financial responsibility may apply in specific situations. Drivers and vehicle owners must show proof of insurance at a traffic stop or crash if law enforcement requests it.
PIP is not required in Wisconsin. Insurers must offer medical payments coverage, but it can be declined. Uninsured motorist bodily injury coverage is required at minimum 25/50 limits. Underinsured motorist coverage is optional, but insurers must notify policyholders that it is available; if purchased, the minimum UIM limits are 50/100.
WisDOT says operating a motor vehicle without required insurance may result in a fine of up to $500. Failing to show proof at a traffic stop or crash may result in a fine of up to $10, while presenting fraudulent proof can lead to a fine of up to $5,000. Those are separate violations, so simply forgetting an insurance card is not the same as actually driving uninsured.
Wisconsin does not set a fixed insurance-rate increase for four DMV demerit points. DMV points are used for licensing consequences, while insurers price the underlying traffic conviction under their own filed rating rules. OCI says traffic tickets and chargeable accidents may lead to surcharges, but the amount varies by insurer and violation.
Wisconsin DMV says SR-22 proof of financial responsibility generally must be filed for three years from the date a driver becomes eligible to reinstate driving privileges when the filing requirement applies. Exceptions exist, so the exact requirement should be confirmed with DMV before changing or canceling SR-22 coverage.
Wisconsin does not have a general income-based low-cost auto insurance subsidy. If you cannot obtain coverage in the voluntary market after trying insurers, the Wisconsin Automobile Insurance Plan may provide access to coverage through a licensed property and casualty agent. WAIP is an assigned-risk/residual-market mechanism, not an income-based discount program.
No. Wisconsin minimum liability coverage is primarily for injuries or property damage you cause to others and required uninsured-motorist bodily injury protection. Damage to your own vehicle from hitting a deer is typically handled under comprehensive coverage, subject to the policy terms and deductible. WisDOT reported 17,795 deer crashes statewide in preliminary 2025 data.
Same-day coverage may be available from some insurance partners if you qualify, select a policy, complete the application, and satisfy the insurer's payment and underwriting requirements. Availability and effective dates vary by insurer.
Compare quotes from multiple insurers, maintain a clean driving record, ask about good-student, multi-vehicle, bundling, low-mileage, anti-theft, telematics, safety-feature, driver-safety-course, and payment-related discounts, and review whether a higher comprehensive or collision deductible fits your budget and risk tolerance.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
