Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 27, 2020

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In a nutshell...

  • Starting June 1st, all vehicles registered in Wisconsin must carry liability car insurance
  • Finding affordable car insurance is pretty easy but you still need to make sure you have the right type of coverage before its time to file a claim
  • All typical private passenger vehicles require proof of insurance before registration

Wisconsin drivers enjoy almost the lowest average car insurance premiums in the nation and just recently were required to carry car insurance.

Mandatory car insurance laws only came in effect on June 1st of 2010 for vehicles registered in Wisconsin and minimum car insurance requirements are much greater than almost every other state.

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Wisconsin Car Insurance Laws

While there are some exceptions, all typical private passenger vehicles require proof of insurance before registration.

There are also heavy penalties for driving with no insurance so you must maintain car insurance in-force at all times.

The new Wisconsin liability car insurance requirements are:

— Liability Insurance

  • $50,000 liability insurance per person per accident
  • $100,000 liability insurance per accident (all persons)
  • $15,000 property damage liability

— Underinsured and Underinsured Motorist Coverage

  • $100,000 liability insurance per person per accident
  • $300,000 liability insurance per accident (all persons)

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

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While these car insurance requirements are surely some of the highest minimum mandatory requirements in America, it’s important to know that Wisconsin car insurance laws only require liability insurance for injuries/damages sustained to others.

Any damages to your vehicle from an accident you were at-fault will not be covered, so you should consider also purchasing comprehensive and collision coverage.

Many other types of auto insurance are available including GAP and rental car reimbursements, so regardless if you have ever had car insurance in the past, now is a good time to speak with a Wisconsin car insurance company.

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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Wisconsin Car Insurance Companies

As you can imagine with such new state laws requiring Wisconsin drivers to obtain car insurance, a wealth of auto insurers are competing for your business.

Finding affordable car insurance is pretty easy but you still need to make sure you have the right type of coverage before its time to file a claim.

ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in Wisconsin.

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Gender and age will affect your auto insurance. Younger drivers are often in a higher risk class. See if the gender stereotype (males vs female car insurance rates) holds true in WI.

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Six major factors affect car insurance rates in Wisconsin. Which auto insurance factors will affect rates the most? Find out below:

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Who is the cheapest car insurance company in WI? Review the average auto insurance rates by company below:

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Who are the largest auto insurance companies in WI?

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Start with our car insurance guide here and learn about the types of coverage, how policy deductibles work and many common questions to assist in your car insurance comparison search.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.investopedia.com/terms/i/insurance-premium.asp
  2. https://www.geico.com/information/states/
  3. https://www.progressive.com/answers/comprehensive-insurance/
  4. https://www.nationwide.com/gap-insurance.jsp