Wisconsin Auto Insurance Car Insurance Comparison

Wisconsin residents are called "cheeseheads" for a reason. The state is often referred to as "America's Dairyland" for its large production of cheese and other dairy products.

Requirement : Yes

Car insurance is required in Wisconsin . Drivers must have a minimum of liability, and uninsured/underinsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, and uninsured/underinsured motorist coverage is required:

• $25,000 for bodily injury or death to one person.
• $50,000 for bodily injury or death per accident.
• $10,000 for property damage per accident.
• Uninsured/underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
• $100,000 for bodily injury to one person.
• $300,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability, and uninsured/underinsured coverage is the only requirements for Wisconsin motorist to have, there are several other types of coverage available to drivers:

• Collision – Covers damages to your vehicle due to an accident.
• Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
• Medical Payments – Helps cover your medical or funeral costs due to an accident.
• Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
• Rental reimbursement – Reimburses you if you have to rent a car after an accident.

• Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:  

• Other forms of financial responsibility include:
• Surety bond: Must have same coverage limitations as liability insurance minimum.
• $60,000 cash or securities deposit with the state comptroller.
• Certificate of self-insurance.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. You do not need proof of insurance when applying for a driver’s license, or registering your vehicle.

Insurance Violations:

Violations, Fines & Penalties:

• Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
• $5,000 maximum fine.

  Credit Scores & Determining Your Insurance Premium :

All Wisconsin drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Wisconsin Automobile Insurance Plan (WAIP).

Other factors that may be used to determine your premiums include:

• Credit history
• Driving history
• Coverage history
• Deductible
• Year, make, model of vehicle
• Neighborhood, city of residence

Discounts : Yes

Discounts available in Wisconsin:

• Good driver discount.
• Good student discount.
• Homeowner discount.
• Multi-vehicle discount.

Cellphone Use:

There is no ban on cellphone while driving in Wisconsin. All drivers are prohibited from texting while driving. Texting violations are considered primary offenses. Violators face a $20-$400 fine and up to 4 points on your license for first offense, $200-$800 fine for second offense.