As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Saving cheese in America’s Dairyland should be easy (and it is!).
If you love cheese, you’re going to love Wisconsin. Cheese curds, the Mars Cheese Castle (yes!), and squeaky cheese are just three powerful reasons to live in the Badger State. And if cheese isn’t your thing, maybe you can get in on the 21 million gallons of ice cream, prime muskie fishing, and more football than one person should safely consume.
Sports and food aside, Wisconsin has one of the strongest health care systems in the U.S. according to the Agency for Healthcare Research and Quality. Couple that with growing economic and employment opportunities, and you can understand why CNBC named Wisconsin the ninth-best state to raise a family.
If you’re moving to Wisconsin or just looking for a better deal on car insurance, this article is for you.
Cheapest Car Insurance Quotes in Wisconsin
Here are the cheapest insurance companies in Wisconsin for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged car insurance rates for the twenty most populous cities in Wisconsin.
Best Car Insurance Quotes in Wisconsin
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Wisconsin. For the complete list, see Insurify’s best car insurance companies.
Insurance Company Quote
American Family $106/month
State Farm $73/month
Liberty Mutual $138/month
Most Popular Car Insurance Quotes in Wisconsin
How did we determine popularity? We looked at recent statistics provided by the Insurance Information Institute (III) to discover which companies hold the largest share of the Wisconsin insurance market. The more policies that are written by a single company, the larger that company’s market share.
According to the III, these are the most popular car insurance companies in Wisconsin:
- American Family
- State Farm
Cheapest Car Insurance Quotes in Wisconsin by City
Location, location, location is as important an adage in car insurance as it is in real estate. Where you live is likely the biggest determinant in the price you pay for insurance, though other aspects like your driving record are also extremely important.
Population density, crime rates, and weather patterns can all significantly affect the cost of your insurance. If you find yourself truly in a budget puzzle, consider moving to an area with lower costs.
City Insurance Company Quote
Milwaukee Progressive $34/month
Madison Progressive $25/month
Green Bay Progressive $24/month
Kenosha Progressive $29/month
Racine Progressive $30/month
Cheapest Car Insurance Quotes in Wisconsin by Profile
Ever wonder what the average monthly car insurance in Wisconsin costs? Most consumers want to know how their costs compare to the average consumer. We looked at the cheapest insurance rates we could find based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
No matter what your unique situation, be sure to add comparison shopping to your financial routine.
Cheap Car Insurance Quotes for Young Wisconsin Drivers
If you’re a young or inexperienced driver, you’ll soon discover that inexpensive car insurance isn’t on the table. That’s because, statistically speaking, young drivers get into more accidents than any other age group. According to the CDC, drivers aged 16-19 are three times more likely to be in a fatal car crash than drivers over 20.
A great way to save money and become a better driver is to enroll in a defensive driving course approved by your insurance company. Some drivers save as much as 20 percent!
|Partners Mutual Insurance Co.||$22/month|
Cheap Car Insurance Quotes for Wisconsin Drivers with an OWI
Operating While Intoxicated (OWI) penalties are a big deal in Wisconsin, even for first-time offenders:
- $150 to $300 fine
- Six to nine-month license revocation
- SR-22 compliance
- Mandatory jail time for multiple offenders
- Possible ignition interlock compliance
To make matters more expensive, insurance costs skyrocket after an OWI conviction. Lowering costs is not easy. If you’re having trouble finding an affordable rate, consider trading in your car for a less expensive vehicle.
Cheap Car Insurance Quotes for Wisconsin Drivers with Speeding Tickets
Lead is bad for water and bad for feet. Tickets can have dramatically different effects depending on the severity or frequency. The best way to lower costs is to slow down, keep a clean driving record, and ask your agent about discount programs.
Cheap Car Insurance Quotes for Wisconsin Drivers with an At-Fault Accident
An at-fault accident, even a tiny fender-bender, is one of the most common ways that drivers inadvertently escalate their premiums. For drivers looking to save money afterward, here are a few important tips:
- Keep a clean driving record.
- Consider telematics or a defensive driving course to unlock discounts.
- Make comparison shopping a regular part of your financial routine.
- Remove comprehensive and/or collision coverage from your policy, if you’re not required to keep it.
- Downsize your vehicle if operating costs are too high.
Wisconsin State Insurance Laws
Copy about how laws vary from state to state
State Minimum Car Insurance Requirements in Wisconsin
Wisconsin motorists are required to purchase auto insurance coverage meeting these minimums:
- $25,000 for bodily injury liability or death of one person
- $50,000 for bodily injury liability or death of two or more persons
- $10,000 for property damage liability
- $25,000 uninsured motorist coverage for bodily injury or death
- $50,000 uninsured motorist coverage for bodily injury or death of two or more persons
Considering the cost of medical care—and the cost of vehicles younger than six years—these minimums may not be enough to cover costs in the event of an accident. This is especially true if you typically drive with passengers in your vehicle as your insurance will be your safety net for all medical costs involved in an at-fault accident.
Wisconsin is a Tort State: What does this mean?
In many states, the driver found to be at-fault in an accident is the driver who pays. These states are known as tort states. What this means for Wisconsin drivers is if they suffer injuries from a car accident, they can sue the at-fault driver for all expenses associated with the accident to include pain and suffering.
While some expenses, like lost wages, medical bills, and property damage, can be calculated into hard amounts, abstract costs are not so easy. Many states limit residents’ abilities to sue for abstract costs, but tort states do not.
For Wisconsin drivers—or those who frequently drive in the state of Wisconsin—it’s a good idea to carry more than the legal minimum to protect personal assets in the event they are sued for abstract damages.
What Are the Penalties for Driving Without Minimum Car Insurance Coverage in Wisconsin?
Drivers caught without insurance face the following:
- $500 fine
- Driver’s license suspension until proof of insurance is filed with the DMV
- $60 reinstatement fee
- SR-22 filed for 3 years
Uninsured drivers are caught due to an accident can lose their license and registration for up to three years.
For drivers who knowingly present fraudulent proof of insurance like an altered document, the DMV can issue a fine as high as $5,000.
Is Digital Proof of Insurance Legal in Wisconsin?
Drivers in Wisconsin are permitted to use digital proof of insurance cards. However, it is still advisable to carry a hard copy in your vehicle in the event that your digital copy becomes inaccessible (i.e. your phone dies).
What are the penalties for failing to carry proof of insurance?
There is a $10 fine for drivers who fail to show proof of insurance at a traffic stop but are legally insured. Drivers will have to submit proof of insurance to the DMV.
Is Uninsured and Underinsured Motorist Protection Required in Wisconsin?
While uninsured motorist protection is required, drivers in Wisconsin do not need to purchase underinsured motorist protection. However, it’s still probably a good idea to add it to your insurance policy, especially because the minimum coverage in Wisconsin is low. If you regularly have passengers in your car, underinsured protection is a must.
You should also consider increasing your uninsured motorist protection. According to the Insurance Information Institute (III), 14.3 percent of Wisconsin drivers are on the road without insurance. That means more than one in ten drivers you pass on your morning commute is uninsured.
And while you can sue an at-fault driver to the fullest extent of the law, it may not amount to much in the end. Chances are if drivers are operating their vehicles without insurance, they probably can’t afford to pay your medical bills and lost wages.
Are Seat Belts Required in Wisconsin?
Yes, seatbelts are required for drivers and all passengers no matter which seat they sit in. The only exception to this rule is for children and infants who must be properly restrained in child-safety seats.
The fine for failing to wear a seatbelt in Wisconsin? $10 for the first offense.
Can I turn right on red in Wisconsin?
Yes, so long as the intersection is clear of pedestrians and traffic and there is no sign restricting right turns on red. Be especially observant in cities for signs restricting use.
Can I use my cell phone while driving in Wisconsin?
Cell phone use rules are strict in Wisconsin:
- Probationary drivers or those with an instruction (learner’s) permit are not permitted to use hand-held or hands-free cellular devices.
- No driver may use a hand-held mobile device in a work zone unless it’s to report an emergency.
- Texting while driving is illegal for every driver in Wisconsin.
Violating these rules will result in a ticket, fine, and four points on your driver’s license. Not to mention, distracted driving has been said to be more dangerous than drunk driving. Be safe and avoid both.
What are the legal alcohol limits in Wisconsin?
Legal alcohol limits in Wisconsin are 0.08 percent BAC for drivers over the age of 21. Underage drivers are subject to zero-tolerance rules where they must maintain “absolute sobriety” while driving. Furthermore, drivers with three or more OWI convictions in their lifetime must maintain a BAC of 0.02 percent or lower.
Does Wisconsin have extreme weather events?
Yes. Wisconsin experiences tornadoes, thunderstorms, and flash flooding. Tornadoes and thunderstorms often come with a lot of hail. And don’t be fooled: those ice chips falling from the sky can easily total a car with cosmetic damage.
If the idea of hail damage on your beloved vehicle is too much to bear, purchasing comprehensive coverage is a must.
Wisconsin DMV Information
The Wisconsin Department of Motor Vehicles may not be the most cutting edge of all DMVs, but it does allow drivers to complete most boring tasks online or by mail. If you do have to go into a physical location, you can schedule an appointment online for expedited service.
Obtaining a Driver’s License in Wisconsin
If you’ve just moved to Wisconsin and you want to obtain your new driver’s license, you will need to provide the following:
- Proof of U.S. citizenship or legal permanent/temporary status
- Proof of your name and date of birth, usually through a birth certificate
- Proof of Wisconsin residency
- Proof of identity
- Your social security number
Depending on your eligibility, you may be able to submit your documents to the Wisconsin DMV online.
Registering Your Vehicle in Wisconsin
To register your car as a new resident in Wisconsin you will need
- Your current out-of-state registration
- Complete Title/License plate application form
- Proof of identity
- Proof of sales tax paid if you purchased your vehicle in the last 90 days
- Payment of all applicable fees, state and municipal
You can register your vehicle in person or, for some, by mail.
We’ve made it easy for the people of Wisconsin to save big on car insurance.
Whatever your case may be, finding the best deal on your car insurance policy comes down to a few things:
- Drive safely
- Get enough coverage
- Comparison shop (often) for the best deal
- Take advantage of discounts
Insurify can help you uncover real auto insurance quotes from top insurance companies in just a few minutes. Check out our rate comparison tool today!
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