Car Insurance in Wisconsin

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  • How Much is Car Insurance in Wisconsin?
  • Real Quotes for Jerry.ai Customers in Wisconsin
  • The Cheapest Car Insurance in Wisconsin
  • Most Popular Insurance Companies in Wisconsin
  • Cost to Insure Different Cars in Wisconsin
  • Car Insurance Laws in Wisconsin
  • Car Registration Information in Wisconsin
Looking for car insurance in Wisconsin? Here you’ll find all the information you need on driving a car in The Badger State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Milwaukee or Madison, Green Bay or Kenosha — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Wisconsin car insurance.

How Much is Car Insurance in Wisconsin?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Wisconsin, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Wisconsin pay ${averageAnnualPremium} each year for car insurance. This means drivers in Wisconsin pay ${averageAnnualDiff} the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

What’s Your Rate?

But how do you know what policy is right for you in Wisconsin? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Wisconsin, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Wisconsin

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2021-01-04
  • Jeep Wrangler Unlimited Rubicon
  • Gmc Sierra K2500 Denali
  • Infiniti G37
  • Honda Accord Ex
64 year old femaleProgressive$127.67$152.33Preferred
2021-01-19
  • Nissan Altima 2.5
20 year old maleNational General$148.67$16.11Basic
2021-04-02
  • Hyundai Santa Fe Gls
21 year old femaleProgressive$74.58$73.75Standard
2020-12-31
  • Subaru Impreza
  • Chevrolet Cruze Lt
46 year old maleProgressive$70.42$47.58Preferred
2021-02-11
  • Saturn Outlook Xr
  • Ford Explorer Platinum
67 year old maleProgressive$67.83$32.17Preferred

The Cheapest Car Insurance in Wisconsin

Which companies offer cheap car insurance in Wisconsin? Below, we’ve ranked Wisconsin car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

Cheapest Car Insurance in Wisconsin for Basic Coverage

There’s all kinds of auto insurance you can get in Wisconsin, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Wisconsin. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Wisconsin, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Wisconsin

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$881
2National General$889
3Progressive$918

Real Jerry Quotes for Basic Coverage in Wisconsin

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-11
  • Chevrolet Cruze Ls
30 year old femaleProgressive$58.42$259.58
2021-02-13
  • Audi A3 E-tron Premium
41 year old femaleNational General$57.50$52.50
2021-03-14
  • Toyota Camry Le
28 year old maleAllstate$58.47$186.76
2021-01-29
  • Gmc Acadia Sle
  • Mitsubishi Outlander Gt
  • Pontiac Grand Prix Gt
47 year old femaleNational General$66$56
2021-01-30
  • Lincoln Mkx
  • Lincoln Mkx
55 year old femaleProgressive$55.75$102.58

Average Cheapest Car Insurance for Standard Plans in Wisconsin

Most drivers will want more than the basic minimum coverage that Wisconsin requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Wisconsin, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Wisconsin

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,058
2Progressive$1,140
3National General$1,380
4Travelers$1,464

Real Jerry Quotes for Standard Coverage in Wisconsin

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-03-21
  • Honda Odyssey Touring
77 year old femaleProgressive$51.75$15.25
2021-01-19
  • Jeep Grand Cherokee Summit
  • Ram 1500 St
  • Mazda 3 Touring
  • Jeep Cherokee Overland
  • Chevrolet Malibu 1lt
56 year old maleTravelers$181.92$498.08
2021-03-14
  • Toyota Highlander Limited
  • Toyota Camry Base
42 year old maleCLEARCOVER$58$127.69
2021-01-06
  • Audi Q5 Tdi Premium Plus
26 year old maleProgressive$123.25$236.75
2021-02-25
  • Gmc Terrain Slt
26 year old maleCLEARCOVER$57.67$92.33

Cheapest Car Insurance in Wisconsin for Preferred Coverage

Preferred coverage protects Wisconsin drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Wisconsin, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Wisconsin

Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,124
2Progressive$1,186
3Travelers$1,295
4Nationwide$1,497
5National General$1,570

Real Jerry Quotes for Preferred Coverage in Wisconsin

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-02-18
  • Ford Mustang
24 year old maleProgressive$85.83$34.17
2021-01-16
  • Infiniti Qx30 Base
27 year old maleCLEARCOVER$128.17$12.83
2021-01-19
  • Jeep Patriot Sport
  • Audi A4 Premium Plus
  • Chevrolet Tahoe K1500 Lt
  • Honda Accord Lx
23 year old maleNationwide$365.54$134.46
2021-03-07
  • Kia Soul
  • Fiat 500l Easy
44 year old femaleNational General$127.33$26.14
2021-01-31
  • Chevrolet Impala Ltz
25 year old femaleProgressive$54.83$18.17
Insurance companyAverage annual premium in Wisconsin
Progressive$1,204.22
National General$1,075.78
CLEARCOVER$1,618.98
Bristol West$3,353
Travelers$774
Nationwide$619.40

Cost to Insure Different Cars in Wisconsin

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Wisconsin drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Wisconsin. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-28
  • Ford F150 Supercrew
24 year old maleProgressive$110.08$139.92Preferred
2021-01-30
  • Chevrolet Malibu Lt
26 year old maleProgressive$82.08$64.92Preferred
2021-01-26
  • Jeep Cherokee Latitude
38 year old femaleProgressive$83.67$83.83Preferred
2021-01-14
  • Chrysler Town & Country Touring
26 year old femaleCLEARCOVER$51$205Preferred
2021-01-30
  • Bmw 535 Xi
27 year old maleCLEARCOVER$52.33$94.67Standard
2021-01-26
  • Chevrolet Trax Ltz
25 year old maleCLEARCOVER$88.50$11.50Standard
2020-12-30
  • Ram 1500 St
65 year old maleNationwide$60.68$126.32Preferred

Car Insurance Laws in Wisconsin

Wisconsin drivers are known to be overly assertive and rather liberal with their speeds. Visitors to America’s Dairyland are right to be intimidated on the roads! Aggressive driving and heavy traffic cause an influx in collisions and inflated insurance premiums. Consequently, Wisconsin state laws make car insurance mandatory. Here’s what you should know about Wisconsin’s laws regarding minimum auto insurance coverage and registration.

What Car Insurance Is Required by Law in Wisconsin?

In order to legally drive your vehicle in the state of Wisconsin, you are required to have a car insurance policy active on it. That insurance policy must have minimum coverage for a few different insurance types: Bodily Injury Liability (BIL), Property Damage Liability (PDL), and Uninsured Motorist (UM) coverage.
Because Wisconsin is an at-fault state, the driver who is found to be to blame for a car accident will be liable for all the costs associated with the collision. If the driver is insured (as required by law), the charges are covered by their insurance policy within its limitations. If those liability amounts are beyond their coverage, other parties can sue for compensation.
BIL coverage is one of the mandatory components to auto insurance in Wisconsin. The purpose of BIL is to provide reparations for injuries to others involved in the accident if you’re found at fault. That includes things like medications, emergency response vehicle charges, follow-up appointments, and even lost wages.
PDL insurance works in a similar way to BIL, but for property damage. Property other than that of the policyholder can be compensated for if it’s become damaged as a result of the accident. That can be damage to vehicle contents, telephone poles, buildings, hedges, and so on.
Also mandatory under Wisconsin’s auto insurance coverage laws is uninsured motorist coverage. As a policyholder, if the at-fault party doesn’t have insurance, this kind of insurance covers your personal medical expenses and property damage. It’s similar to Personal Injury Protection (PIP) insurance offered in other states, but goes beyond to include property damage.

Can You Drive a Car without Insurance in Wisconsin?

In Wisconsin, you are not permitted to drive a vehicle without continuous car insurance coverage. If law enforcement catches you without minimum coverage amounts, you can be fined up to $500. You can also be fined if you aren’t carrying proof of insurance, even if the vehicle has a current policy in place. And if you offer fraudulent proof of insurance, you can be fined up to $5,000.
Should you be caught driving uninsured, you will be required to secure proof of financial responsibility in the form of an SR-22 certificate. An SR-22 is not insurance on its own but is proof that you have a current insurance policy in place. It’s filed by your insurance carrier and submitted to the DMV. If you cancel your policy, your insurance company will report it to the DMV and your registration will be suspended. An SR-22 only costs around $15, but it typically means you are a high-risk driver and your premium will go up significantly.

What Are the Minimum Car Insurance Requirements in Wisconsin?

Wisconsin law mandates a minimum coverage amount for car insurance that applies to all personal vehicles. To legally drive in Wisconsin, you must have the minimum coverage as follows.
Minimum Insurance Requirements in Wisconsin
  • Bodily injury liability coverage per person: $25,000
  • Bodily injury liability coverage per accident: $50,000
  • Property damage liability per accident: $10,000
  • Uninsured motorist coverage: $25,000 per person/$50,000 per accident

Car Registration Information in Wisconsin

Driving a vehicle legally in Wisconsin requires that you register your car first. For vehicles purchased by Wisconsin residents, you must immediately apply for title and registration. For those moving to the state, you must register your vehicle as soon as you establish residency.
Registering your vehicle in Wisconsin requires a visit in person to a DMV customer service center or an authorized DMV agent. You must bring the title matching your vehicle identification number (VIN), current proof of identity, a title fee if you’re new to the state, wheel tax, and initial registration fees. An alternative is to submit your application and paperwork by mail.
When you register your vehicle, you’ll be issued license plates in the mail that need to be attached to the front and the rear of your car. Validation stickers that show the registration expiry are issued also and must be installed on the license plate. When you renew your registration, a new validation sticker is issued to install on your license plate. You’ll also be issued a registration document with your name, VIN, and license plate number to keep in your vehicle.
Registration renewal is offered through a few different methods, but renewing online is easiest. Wisconsin calls it renewing your license plate, and makes it simple through the eNotify portal. If you prefer, you can renew your license plate by submitting your payment and the renewal notice by mail or by visiting the DMV office in person.
Registration fees are mostly standard in Wisconsin. An annual fee of $85 is assessed for automobiles, with a hybrid electric vehicle surcharge of $75 and a $100 electric vehicle surcharge if applicable.

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