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Wisconsin Car Insurance Resources

Wisconsin Car Insurance

Car Insurance Rates in WI

^ From 2006 to 2010, Wisconsin cities had the 46th highest auto insurance rates in the nation. [2]

Car Insurance in WI by City

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Cars Insured in WI

^ Wisconsin ranked 19th of all U.S. states in total auto insurance policies in 2011. [1]

WI Car Insurance

Car Insurance in Wisconsin

Car Insurance Liability Requirements in Wisconsin

  • Minimum Liability Limits in WI: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Wisconsin

Required Car Insurance Coverage in Wisconsin
  • Auto Insurance Coverage Requirements in WI [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage

Car Insurance Verification Laws in Wisconsin

  • Insurer Verification of Auto Insurance in WI [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Wisconsin Car Insurance Facts, Estimates & Related Laws

Wisconsin Car Insurance Facts

Wisconsin Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in WI
    • Wisconsin had the 44th highest auto insurance rates in the nation in 2010. [2]
    • Rates in WI ranked 46th in the nation in 2009. [2]
    • In 2008, WI had the 46th highest rates in the country. [2]
  • Number of Auto Insurance Policies in WI
    • Wisconsin ranked 19th in the nation in auto insurance policies in 2011 with a total of 4,010,389. [1]
  • Uninsured Motorist Rate in WI
    • The uninsured motorist rate in WI ranked 21st in the nation in 2009. [3]

Wisconsin Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Wisconsin Automotive Laws

  • Safety Belt Laws in WI
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 8+ years in all seats. [7]
    • Child restraint law in place for younger than 1 (or less than 20 pounds) in rear-facing infant seat; 1 - 3 years (between 20 and 40 pounds) in forward-facing child safety seat; 4 - 7 years (between 40 and 80 pounds) and less than 57 inches tall in booster. [7]
  • Motorcycle Helmet Laws in WI
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in WI
    • Renewal cycle: 8 years [7]

Wisconsin Auto & Driver Facts

Wisconsin Automotive Facts

Wisconsin Auto & Driver Facts
  • Speed Limits in WI
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in WI
    • Wisconsin cities collectively ranked 20th in the nation in total motor fuel consumption in 2011. [9]

Wisconsin Licensed Drivers

  • Licensed Drivers in WI [10]
    • Total Drivers: 4,147,470
    • Female: 2,070,156
    • Male: 2,077,314
    • WI has the 19th most drivers in the U.S.
  • Minimum Driving Age in WI [5]
    • Wisconsin has a minimum driving age of 15 years, 6 months.

Wisconsin Auto Registrations

  • Auto Registrations in WI [8]
    • Registered Cars: 2,419,096
    • Registered Trucks: 2,492,527
    • Registered Motorcycles: 317,656
    • Total Registrations: 5,244,195
    • Rank: Wisconsin ranked 17th in the United States in total auto registrations in 2011.

Additional information about Wisconsin

About Wisconsin

Wisconsin has a population of approximately 5,686,986, which ranks 20th in the U.S. among all states. [6]

WI Car Insurance

More about Wisconsin auto insurance

For more information about auto insurance in WI, or for additional resources regarding Wisconsin car insurance, visit the Wisconsin Department of Insurance.

Did you know?

Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Wisconsin Cities