Finding cheap car insurance in Wisconsin is highly achievable in the Badger State, which consistently ranks among the states with the most affordable auto insurance rates. Wisconsin's competitive market and favorable driving conditions contribute to lower premiums.
Wisconsin offers one of the most affordable insurance markets in the country. Understanding Wisconsin car insurance requirements helps you maximize savings while maintaining proper coverage.
Wisconsin Car Insurance Requirements
Wisconsin requires minimum liability coverage of 25/50/10—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
Wisconsin is a tort state, meaning the at-fault driver is responsible for damages. Medical payments coverage of $1,000 is also required, covering medical expenses regardless of fault.
What Affects Wisconsin Car Insurance Rates
Your location within Wisconsin impacts your car insurance rates. Milwaukee has higher premiums due to population density and traffic. Madison, Green Bay, and smaller cities enjoy more moderate rates.
Wisconsin's harsh winters with snow, ice, and hazardous road conditions affect accident rates. Deer collisions are particularly common in rural areas and impact comprehensive coverage costs for Wisconsin auto insurance.
How to Save on Wisconsin Auto Insurance
Comparing quotes from multiple insurers helps you find the best cheap car insurance in Wisconsin. Even with low base rates, comparing options can yield additional savings.
Take advantage of Wisconsin's discount opportunities including safe driver, multi-policy, good student, and defensive driving course discounts. Many Wisconsin insurers also offer winter tire and low mileage discounts.