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
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
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.
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.
Uninsured Motorist Rate in WI
The uninsured motorist rate in WI ranked 21st in the nation in 2009.
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.
Motorcycle Helmet Laws in WI
Motorcycle helmets required for 17 and younger.
Driver's License Renewal Cycle in WI
Renewal cycle: 8 years
Wisconsin Auto & Driver Facts
Wisconsin Automotive Facts
Speed Limits in WI
Rural interstates: 65 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in WI
Wisconsin cities collectively ranked 20th in the nation in total motor fuel consumption in 2011.
Wisconsin Licensed Drivers
Licensed Drivers in WI [ 10]
Total Drivers: 4,147,470
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
Wisconsin has a population of approximately 5,686,986, which ranks 20th in the U.S. among all states.
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?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
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