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Wisconsin Auto Insurance
Understanding auto insurance requirements and rates in Wisconsin matters when you want to obey the laws and get proper insurance. That’s even more important when you’re looking for quality but cheap auto insurance in Wisconsin. You have to make sure you know and follow the Wisconsin driving laws, in order to get the best possible insurance rates.
Car Insurance Requirements in Wisconsin
Wisconsin minimum auto insurance requirements include liability coverage, and uninsured/underinsured motorists coverage. According to Wisconsin car insurance laws, the liability requirements are:
- $25,000 worth of bodily injury or death coverage per person
- $50,000 worth of bodily injury or death coverage per accident
- $10,000 worth of property damage coverage
The uninsured/underinsured motorists coverage has to match the liability insurance amounts. Of course, Wisconsin drivers can also choose to have other coverage, such as collision and comprehensive, in order to protect themselves more fully.
Is Wisconsin a No-Fault State?
Wisconsin is a fault state that works on a tort system. Someone will be ruled to be at fault in an auto accident, and that driver has to compensate the other parties to that accident for their property damage and/or injuries.
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.
Car Insurance Prices in Wisconsin
In Wisconsin, the car insurance prices range from $742 to $2,070. That difference in price is based on several factors, including whether the driver has opted for full coverage or only the state minimums. The average insurance rate in the state for an annual premium is $1,406. Teen drivers can expect to pay the highest rates, which will often be more than $2,000 per year even without full coverage. Middle aged drivers pay lower rates, and those rates rise again as drivers most into their senior years.
| Age | Most Popular Vehicle | Gender | Most Common City | ||
|---|---|---|---|---|---|
| 18 – 24 | Chevrolet | Male – 52% | Female – 48% | Milwaukee | ||
| 25 – 54 | Chevrolet | Male – 45% | Female – 55% | Milwaukee | ||
| 55 – 64 | Chevrolet | Male – 42% | Female – 58% | Milwaukee | ||
| 65 + | Chevrolet | Male – 44% | Female – 56% | Milwaukee | ||
* This information is based on Pretected.com users.
Auto Insurance for Good Drivers
Good drivers don’t have tickets, and they rarely get into an accident. Because they have good driving records and are careful behind the wheel, they are rewarded with lower rates from their insurance companies. That’s good news for any good driver, because they can save some money.
Auto Insurance for Bad Drivers
When someone has a bad driving record, their rates will be higher. They pose an increased risk to the insurance company, which raises their rates to compensate for that. Their driving record could have a DUI on it, or it might include tickets and accidents. Avoiding these problems can help drivers bring their car insurance rates down.
Traffic Violations and Fines in Wisconsin
Speeding Ticket Cost in Wisconsin
Speeding ticket fines are handled by each county, so they aren’t the same across the state. But most drivers who get one can expect it to cost them several hundred dollars in fines. There may also be points added to their license, although traffic school can often help them avoid that. For those convicted of reckless driving in Wisconsin, extra points on their license and a larger fine should be expected.
Driving While High Laws in Wisconsin
It’s illegal to drive while high in Wisconsin, according to the state’s DUI laws. These laws apply to marijuana and other drugs, along with alcohol.
Driving Without Car Insurance in Wisconsin
Drivers are required to have car insurance with state minimum coverage limits. For drivers who don’t, there are fines and even jail time, along with suspension issues. A driver who is a repeat offender could also face harsher penalties than someone who was caught driving without insurance for the first time.
Texting and Driving in Wisconsin
Distracted driving is not just about texting. Pets, passengers, eating while driving, and other cell phone use while driving are all problematic. They may not all be illegal, but they all have the opportunity to contribute to an accident.
When you’re on a public road, livestock have the right of way.
Wisconsin Car Accidents
There were over 129,000 car accidents in Wisconsin in 2025. More than 97,000 of them led to property damage, and 43,669 people are injured. Nearly 600 people died as a result of these crashes, according to car accident statistics.
Reasons for Car Accidents in Wisconsin
Drunk driving, speeding, and problems in construction zones caused the most accidents in Wisconsin. People typically caused crashes in more urban areas, as opposed to rural locations. Drivers striking other cars or fixed objects were both problems in the state.
Car Accident Statistics by Vehicle Type in Wisconsin
The majority of car accidents were caused by passenger cars on city streets. Trucks and SUVs also contributed to accidents, but in lower numbers. Motorcycles were not a factor in most traffic crashes, but when they were involved there were generally higher levels of injury or a bigger risk of fatalities.
Car Accidents in Wisconsin – More Facts
On average, a car accident happens in Wisconsin every few minutes, and nearly two people die on the state’s roads every day. Distracted drivers, speeding, drinking, and failure to pay attention to road work are the main culprits for their accidents.
Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Wisconsin
- You can’t camp in a wagon on a public highway. You’ll have to choose a campground or other location, instead.
- Parking on the street in Milwaukee? Make sure you’re not there more than two hours unless you want to tie a horse to your car.
Looking for Auto insurance in Wisconsin? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s “Smart Match”:
Insurance rates change constantly. Find out if you’re eligible for lower premiums from leading providers.