What is the minimum car insurance required in Wisconsin?
Wisconsin requires minimum amounts of liability insurance, as most states do. Below are the requirements as of March 2023. But keep in mind that this is the minimum coverage required, not the actual amount or full extent of coverage you may want.
COVERAGE TYPE
WISCONSIN MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$10,000 per accident
Uninsured motorist liability
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
WISCONSIN MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
WISCONSIN MINIMUM REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Uninsured motorist liability
WISCONSIN MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What is considered full coverage auto insurance in Wisconsin?
Full coverage typically means a policy that includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages.
Read more about coverage options in Wisconsin with a Farmers Flex Personal Auto policy.
What is the average cost of car insurance in Wisconsin?
Wisconsin drivers paid an average of $821 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s well below the national average of $1,176 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
Wisconsin car insurance discounts
Farmers offers a variety of discounts for drivers in Wisconsin. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Wisconsin.
Apostle Islands
Lake Superior has lapped against the 22 Apostle Islands for eons, carving Precambrian sandstone into colorful caves. Protected as a national lakeshore, the region provides habitat for the endangered American marten, among many other species. — National Park Service
More coverage options in Wisconsin
Wisconsin home insurance
Learn more about what home insurance in Wisconsin covers, available discounts and more.
View home insurance coverage details and discounts for Wisconsin
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Just about everyone experiences this at one time or another. You return to your car after it’s been parked for a while and find a scrape down the side — or a dent in the door that wasn’t there before.
What Happens if a Friend Wrecks My Vehicle?
Many auto policies cover you and any person using your insured car with your permission. Make sure your policy has this provision before letting anyone drive your car.
