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Wisconsin Car Insurance & Minimum Coverages

Wisconsin, the dairy capital of the United States, has so much more to offer than just cheese. Prime fishing in its 14,000 lakes, Harley-Davidson motorcycles, and outdoor adventures for every season are just a few reasons to call Wisconsin your home.

If you’re moving to the Badger State, you’ll need to legally register and drive your vehicle. In this guide, we’ll look at Wisconsin car insurance and what you need to know about driving in America’s Dairyland.

Wisconsin Car Insurance Minimum Requirements

Before you can register your car with Wisconsin license plates, you’re going to need to prove you are insured. The minimum insurance coverage you can obtain in Wisconsin is as follows:

  • Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
  • Property damage liability: $10,000 per accident.
  • Uninsured motorist coverage: $25,000 per person and $50,000 per accident.
  • Medical payments coverage: $1,000 per person.

The minimum requirements for Wisconsin car insurance are lower than many other states, but your premiums will be just about at the national average. Let’s take a look at just how much your Wisconsin car insurance will cost each year.

What is the Average Cost of Car Insurance in Wisconsin?

You have three options for car insurance in Wisconsin. You can choose to just purchase the minimum required coverage, you can choose full coverage, or you can add options like roadside assistance and rental reimbursement.

Drivers who opt to purchase full coverage will pay, on average, $1,186 per year. Those who choose minimum coverage will pay about $332 per year.

These rates assume you have decent credit and a good driving history, but the average premium is significantly cheaper than other states in the country. In fact, Wisconsin is ranked 6th cheapest for car insurance in the United States.

Why is Car Insurance So Cheap in Wisconsin?

There are two reasons why the cost of Wisconsin car insurance is so low. The first is that there are simply fewer drivers. Many areas of Wisconsin are sparsely populated. That means there are fewer cars on the road and fewer accidents. Because insurers aren’t paying out for accidents, they’re able to provide lower insurance rates.

Secondly, most Wisconsin drivers have insurance. Only around 13% of drivers don’t carry insurance on their vehicles. This translates to fewer payouts for uninsured and underinsured motorists. Again, it means the insurance companies are able to offer you lower premiums.

Lapses in Wisconsin Car Insurance

Wisconsin car insurance premiums are affordable and reasonable. It’s best if you keep your car insurance up to date. If you’re stopped by law enforcement and can’t prove you have insurance, you may face the following penalties:

  • Suspension of your driver’s license
  • Suspension of your vehicle registration
  • Fines of up to $510
  • Reinstatement fees for your license
  • Reinstatement fees for your registration

If you’re involved in an accident and found to be at fault, you face even higher financial risks. You may have to agree to a payment plan to pay for the entire cost of the accident. This may include a security deposit that covers the cost of the claims.

Best Auto Insurance in Wisconsin

Wisconsin drivers were polled and asked which car insurance providers offered best-in-class service. For customer service, affordability, and coverage, the following five insurance companies consistently ranked best in the Badger State:

  • USAA
  • AAA
  • Erie
  • State Farm

Shop around before you choose an insurance provider. What constitutes good coverage for one driver may not be ideal for another. Your insurance agent can assist you in choosing the insurance coverage that best meets your needs.

Driving in Wisconsin

Once you’ve been insured and your car is registered in Wisconsin, you’re ready to hit the road. Here are some fun facts about driving in the state of Wisconsin.

  • If you camp in a wagon on a public Wisconsin highway, you could be fined up to ten dollars.
  • In Wisconsin, the land of dairy, livestock have the right of way on public roadways.
  • In the city of Milwaukee, you may not park your car on the street for more than two hours unless there’s a horse tied to it.

Conclusion: Wisconsin Car Insurance

America’s Dairyland is worth exploring, and not just for the world-class cheese. Before you set off on Wisconsin’s public roads, make sure your car is registered and covered by at least the minimum required insurance. Then, feel free to drive at your leisure, just remember to give those cows the right of way.