Wisconsin Car Insurance Requirements & Quotes

Wisconsin auto insurance

The famous curves on Door County peninsula's Highway 42 are beautiful, but they're also built with safety in mind. Progressive has your protection in mind, too, when it comes to Wisconsin auto insurance. We'll help you navigate state requirements, coverage options, and available discounts for car insurance in Wisconsin.

Does Wisconsin have minimum auto insurance coverage?

Yes. Minimum Wisconsin auto insurance requirements include these liability coverage limits:

$25,000 in bodily injury liability per person
$50,000 in total bodily injury per accident
$10,000 in property damage liability

Increasing your auto liability coverage makes sense if your assets exceed the state's minimum limits.

Does Wisconsin require uninsured motorist coverage?

Wisconsin requires uninsured/underinsured motorist (UM/UIM) coverage with the following limits:

$25,000 in uninsured motorist bodily injury per person
$50,000 in uninsured motorist bodily injury per accident

UM/UIM coverage can pay for injuries or damage caused to you by a driver with no insurance or not enough coverage.

Consider comprehensive and collision coverage

Adding physical damage coverages provides protection for a damaged or stolen vehicle. And if you lease or finance a car, most lenders require comprehensive and collision coverage.

Save more when you bundle your auto and home policies. Nationwide, drivers who switch and save with Progressive save over 20% per year on average.^*

How much is car insurance in Wisconsin?

In 2020-2021, the average liability-only Progressive auto policy (single driver/single car) in Wisconsin cost $63 per month.^** Rates vary based on many factors, such as where you live, your driving history, and the limits and coverages you choose.

See more about car insurance cost factors.

Are there discounts to lower the cost of my insurance?

Yes. Bundling your auto and home insurance in Wisconsin can help you save money while protecting your two most valuable assets. Progressive offers a variety of other great discounts, including:

Continuous insurance
Paperless
Three-year safe driving
Five-year accident-free
Electronic Funds Transfer (EFT)
Online quote
Multi-car
Homeowner

We also offer boat, motorcycle, RV, and renters insurance in Wisconsin. Bundling a combination of two or more of these policies can help you save money on your insurance costs.

See all auto insurance discounts.

Pro tip:

Snapshot^® lets you use your safe driving to save money. The program personalizes your insurance rate based on your actual driving. Choose a mobile app or device that plugs into your car and start saving. Learn more about Snapshot.

Check out these interesting facts about driving in Wisconsin:

According to the Insurance Information Institute, over 13% of drivers in Wisconsin had no car insurance when surveyed in 2019. Uninsured motorist coverage protects you and your vehicle if you're in an accident with an uninsured driver.
Wisconsin's Rustic Roads Program (PDF) protects and preserves "scenic, lightly traveled country roads" for drivers to enjoy. Just watch out for flying gravel and rocks. See how Progressive can cover windshield repair or replacement.
According to Wisconsin state law, livestock have the right of way on any highway. Keep an eye out for animals crossing the road, especially near farmland. Comprehensive coverage can repair or replace a vehicle damaged in a collision with an animal.