Wisconsin car insurance

You can relax as you drive through Milwaukee or Madison knowing that Progressive has your protection in mind. When it comes to Wisconsin auto insurance, we'll help you navigate state requirements, coverage options, and available discounts for car insurance that meets your needs.

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Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.

What are Wisconsin's minimum auto insurance requirements?

Drivers in Wisconsin are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) bodily injury coverage at the following minimum limits:

CoverageWhat it coversMinimum amount
Bodily injury liabilityWhat it coversInjuries you cause to others in an accidentMinimum amount$25,000 per person
$50,000 per accident
Property damage liabilityWhat it coversDamage you cause to other people's property in an accidentMinimum amount$10,000 per accident
UM/UIM bodily injury What it coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$25,000 per person
$50,000 per accident

While these are Wisconsin's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Wisconsin a no-fault state?

No. Wisconsin is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Wisconsin?

In 2023, the average liability-only Progressive auto policy (single driver/single car) in Wisconsin cost $75 per month.* Rates vary based on many factors, such as where you live, your driving history, and the limits and coverages you choose.

Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average. Get an auto insurance quote today.

What is the best car insurance in Wisconsin?

If you're looking for the cheapest car insurance in Wisconsin, here's how much drivers nationwide who save after switching to Progressive save on average compared to their previous auto insurer:

  • Allstate customers who switch and save with Progressive save $775 on average††
  • GEICO customers who switch and save with Progressive save $740 on average§
  • State Farm customers who switch and save with Progressive save $565 on average

How do I lower my car insurance cost in Wisconsin?

To lower your car insurance cost in Wisconsin, you may qualify for the following discounts through Progressive:

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

See all our auto insurance discounts.

Pro tip:

Save when you bundle! One way to get cheap car insurance in Wisconsin is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Wisconsin's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator to find which coverages are recommended for you.

Wisconsin driving resources

From Ashland to Kenosha, get to know Wisconsin's driving laws and resources. These resources apply to Racine, Appleton, and everywhere in between. Local municipalities may have additional laws and resources.

  • Wisconsin Department of Transportation DMV: Find out how to renew your license plate, get title and plates, renew your driver's license, get a non-driver ID, and access many other Wisconsin driver services.
  • Wisconsin DoT safe driving tips: Wisconsin safety officials want to remind you to buckle up and put your phone down, get tips for what to do if you're involved in a crash, and the importance of yielding for first responders by obeying the "Move Over" law and more.
  • Wisconsin driver information: Get information about how to check or reinstate your Wisconsin driving privileges, get your REAL ID, schedule a road test, and several other online driver services.
  • Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.

How to get car insurance in Wisconsin


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Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.