Compare & Save Auto Insurance in Wisconsin — From $38/mo
Find auto insurance options in Wisconsin. Compare Wisconsin auto insurance rates — Milwaukee, Madison, and beyond
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Why compare Auto Insurance in Wisconsin?
Prices can vary widely across providers in Wisconsin. Whether you’re in Milwaukee or Madison, comparing quotes helps you find better coverage for less.
What you get
- Compare Wisconsin auto insurance rates — Milwaukee, Madison, and beyond
- Licensed US Providers
- Bundle & Save options where available
Rates in Wisconsin
Typical annual rates start from $456 (based on plans from $38/mo)
Wisconsin uses an at-fault system with 25/50/10 minimums. The state also requires uninsured motorist coverage at the same limits as your liability. Rates are below the national average, with Milwaukee being the most expensive area. Wisconsin winters contribute to a higher incidence of weather-related claims.
Auto Insurance Requirements in Wisconsin
- Minimum requirement
- 25/50/10
- No-fault state
- No
- SR-22 required
- Yes
- Average annual cost
- $1,320
Estimated rates by driver profile in Wisconsin
Rates vary based on your driving history and profile. Here's what drivers in Wisconsin typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $38–$52 | Full Coverage | ✓ |
| 1 accident in last 3 years | $55–$75 | Liability+ | ✓ |
| New driver, under 25 | $80–$112 | Basic Liability | ✓ |
| DUI on record | $95–$135 | SR-22 Required | ✓ |
| Senior driver, 65+ | $42–$58 | Full Coverage | — |
Compare Wisconsin auto insurance rates — Milwaukee, Madison, and beyond
Get Compare & Save plans starting at $38/mo — includes Licensed US Providers.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
Minimum auto insurance in Wisconsin?
Wisconsin requires 25/50/10 liability plus matching uninsured motorist coverage — one of few states mandating UM.
Is Wisconsin no-fault?
No. Wisconsin uses at-fault (tort) system.
Why does Wisconsin require uninsured motorist?
Wisconsin mandates UM coverage at the same limits as your liability to protect drivers from the roughly 12% of WI drivers who are uninsured.
Same-day coverage in Wisconsin?
Yes. Digital proof available immediately from most carriers.
Do winter conditions affect WI rates?
Yes. Ice, snow, and reduced visibility contribute to higher accident rates in winter months, affecting overall premiums.
How to lower WI auto insurance?
Comparing carriers, bundling, clean record, and appropriate deductibles.