Wisconsin car insurance: requirements & free quotes
Wisconsin requires liability and uninsured motorist coverage and follows an at-fault system. Deer collisions and long snowy winters are major factors for drivers across the state.
Minimum coverage in Wisconsin
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$10,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $10,000 per accident
Uninsured motorist $25,000 per person / $50,000 per accident
Shown as 25/50/10 + UM 25/50. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Wisconsin
- Comprehensive coverage covers deer collisions, a frequent claim in Wisconsin.
- Insurers must offer underinsured motorist and medical payments coverage; consider keeping both.
- Ask about discounts for winter-ready vehicles and clean records.
- Bundling home and auto is a common way to save.
We connect drivers across Wisconsin
Including Milwaukee, Madison, Green Bay, Kenosha and Racine — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Wisconsin car insurance FAQ
No. Wisconsin is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.