Wisconsin car insurance

Milwaukee Wisconsin cityscape on a sunny day

Common questions about Wisconsin
auto insurance

Need car insurance in Wisconsin? Whether you live in Madison, or Milwaukee, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Wisconsin auto insurance, so you only pay for what you need.

What car insurance is required in Wisconsin?

In Wisconsin, it's illegal to drive without insurance. Drivers in Wisconsin are required to have car insurance coverage for

Bodily Injury to others
Property Damage Liability
Uninsured Motorist Coverage Bodily Injury

Here are the minimum auto insurance limits drivers must have in Wisconsin.²

Coverage	Amount
Bodily Injury to others	$25,000 per person and $50,000 per accident
Property Damage Liability	$10,000 per accident
Uninsured Motorist Bodily Injury (only)	$25,000 per person and $50,000 per accident

Check out the Wisconsin Department of Transportation for more details.

What's considered "full coverage" car insurance in Wisconsin?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Wisconsin you're only required to have the state minimums.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Wisconsin when you get an online auto insurance quote.

What liability insurance is required in Wisconsin?

Wisconsin law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $10,000 per accident
Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident

You may see this written as 25/50/10.

Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

Is Wisconsin a no-fault insurance state?

No, Wisconsin is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.

Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Wisconsin drivers may want to consider additional coverage know as Medical Payments (MedPay).

This coverage can help cover you if you're in an accident with an underinsured or uninsured driver. While this is an optional coverage, you may want to consider it.

What's the average cost of car insurance in Wisconsin?

The average cost of car insurance in Wisconsin was $1,202³ in 2021 according to thezebra.com. That's 21% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Wisconsin auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with Wisconsin state highlighted

Who has the cheapest car insurance in Wisconsin?

Getting the cheapest car insurance in Wisconsin may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴