Wisconsin Car Insurance

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Here's what you need to know...
  • Wisconsin is one of two states that do not require drivers to have car insurance
  • If you decide to purchase insurance, there are minimum requirements that must be met
  • Driving without insurance does not remove the liability factor

Wisconsin is one of two states that do not require car insurance for drivers. If Wisconsin residents choose to purchase car insurance, there is a minimum requirement of 50/100/55.

This requirement includes personal injury, accident injury, and accident property damage coverage.

So, should you buy Wisconsin car insurance? Read on to learn all you need to know about finding auto insurance in Wisconsin.

Then enter your zip code above for your free Wisconsin car insurance comparison!

Should I buy Wisconsin car insurance?


Just because it’s not required by law doesn’t mean that you shouldn’t get car insurance. Not having car insurance might save money every month, but could be dangerous in the long run.

Driving without car insurance doesn’t remove your liability. If you cause an accident, you are still financially responsible.

Without insurance, you could face high insurance premiums after you have an accident, lawsuits and legal action for monies owed to victims, and potential jail time or other forms of punishment for non-payment of lawsuits and monies owed.

Wisconsin auto insurance generally costs between $50 and $100 a month for most people, although some might pay more based on their record and driving history. Even if you spend $150 a month on car insurance, it is far better than spending thousands or risking legal issues because you wanted to save a few dollars.

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 Wisconsin Car Insurance Discounts

Even though car insurance isn’t required, there are still plenty of insurance companies to choose from in Wisconsin, including Progressive, Nationwide, Geico, Travelers, and Allstate.

With so many options, it’s best to compare at least five companies so that you have accurate comparison before choosing the best policy.

Similar to other states, drivers in Wisconsin are eligible for discounts on their auto insurance with the right elements in place. Specific Wisconsin auto insurance discounts include things like:

  • Safe driving discounts
  • Good student discounts
  • Multi-car or multi-policy discounts
  • Senior citizen discounts
  • Loyalty discounts

Finding Cheap Wisconsin Car Insurance Rates


Your age, gender, and marital status affect insurance rates significantly. The more experienced you are, the cheaper your insurance. In addition, women and those who are married will have lower rates because statistically, they have proven to be safer drivers.

Even though Wisconsin does not require drivers to have car insurance, it doesn’t make practical sense to drive without it.

Accidents can happen to anyone, and you shouldn’t put yourself in that kind of situation.

Be a smart driver and take the time to compare auto insurance providers and policies when shopping for insurance in Wisconsin. Enter your zip code below to start comparing Wisconsin car insurance quotes now!

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