Is Wisconsin a no-fault state?

No, Wisconsin uses a fault-based system, so the driver responsible for an accident may be liable for the other party's injuries and property damage.

How do I lower my car insurance in Wisconsin?

You may lower your rate by maintaining a clean driving and claims history, qualifying for discounts, or adjusting your coverage and deductibles.

How do you find the cheapest car insurance in Wisconsin?

Comparing quotes from different insurance companies can help you find the best rate for your coverage needs. You can also use AutoQuote Explorer to speed up your search. Just start a quote online to see how your Progressive quote compares to options from other insurers.

Do I need proof of insurance to register a vehicle in Wisconsin?

No, Wisconsin generally doesn't require proof of insurance when you register a vehicle or obtain a driver's license. The DMV may require proof of insurance when you need to reinstate your driving privileges after certain suspensions or revocations.

What happens if I drive without insurance in Wisconsin?

Operating a vehicle without the required insurance may result in a fine of up to $500. If you're uninsured and involved in a reportable crash, Wisconsin's Safety Responsibility Law may also lead to suspension of your driver's license and vehicle registration if you don't meet the state's requirements for resolving the damages.

When is an SR-22 required in Wisconsin?

Wisconsin may require an SR-22 to obtain an occupational license or reinstate driving privileges after certain suspensions or revocations. When required after a revocation, you generally must maintain the filing for three years from the date you're eligible for reinstatement. An SR-22 generally isn't required if a first-offense OWI is the only reason for the revocation.

Wisconsin car insurance

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Getting car insurance in Wisconsin

Snow-covered roads, icy conditions, and frequent deer crossings can make driving in Wisconsin unpredictable throughout the year. The right car insurance can help you prepare for those risks while keeping coverage in line with your budget. Progressive makes it easy to explore coverage options, and AutoQuote Explorer® lets you see how your Progressive quote compares with rates from other insurers.

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Required coverages
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Average cost
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Driving resources
FAQs

What are the minimum auto insurance requirements in Wisconsin?

Wisconsin requires drivers to carry liability insurance and uninsured motorist bodily injury coverage with at least the following limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$25,000 per person $50,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$10,000 per accident
Uninsured motorist bodily injury	Covered injuries caused by an uninsured or hit-and-run driver	$25,000 per person $50,000 per accident

Wisconsin insurers must also offer underinsured motorist (UIM) coverage, but you may reject it. If you purchase UIM coverage, the minimum limits are $50,000 per person and $100,000 per accident. Insurers must also offer at least $1,000 per person in medical payments coverage, which you may decline.

While these are Wisconsin's minimum coverage limits, higher limits may offer better financial protection after a serious accident. See how much car insurance you may need for your situation.

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Car insurance discounts in Wisconsin

Progressive offers several ways to save on car insurance in Wisconsin. Popular discounts include:

Savings!

Bundle & save
Bundle two or more Progressive policies, such as home and auto, and save with a multi-policy discount.
Multi-car
Save when you have more than one vehicle listed on your auto policy. Vehicles belonging to a spouse, family member, or roommate may qualify if they're primarily kept at your address.
Continuous insurance
Save when you've maintained continuous auto insurance coverage. The longer you've been insured without a lapse, the more you may save.

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What is the average cost of car insurance in Wisconsin?

Car insurance costs an average of $76.55 per month in Wisconsin for a liability-only policy from Progressive in 2025.^† That amount is based on one vehicle and one driver. Your rate may vary based on factors such as your driving history, ZIP code, vehicle, and coverage choices.

Factors that impact your auto insurance rate in Wisconsin

Several factors affect how much you pay for auto insurance in Wisconsin, including:

Driving and claims history: Tickets, accidents, and prior claims may affect your rate.
Vehicle type: Insurers consider your car's make, model, age, safety features, and repair costs when setting rates.
Location: Rates may reflect traffic, theft, weather, and claim frequency where you live. Wisconsin drivers may face different risks in urban areas, rural communities, and places with frequent winter weather or deer activity.
Vehicle use: How often and how far you drive may affect your rate.
Coverage choices and deductibles: The coverages, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.

Recommended additional auto insurance coverages in Wisconsin

Wisconsin's required coverage may not cover every type of damage or expense after an accident. Additional coverages can help protect you and your vehicle.

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events
Collision	Cost to repair or replace your vehicle if it overturns or collides with another vehicle or object
Medical payments	Covered medical expenses for you or others injured while riding in your vehicle

Comprehensive coverage may be especially useful in Wisconsin, where deer collisions are relatively common and are typically covered under comprehensive rather than collision. If you finance or lease your vehicle, your lender or leasing company may require comprehensive and collision coverages.

Wisconsin driving resources

Use these resources to learn more about Wisconsin driving laws, insurance requirements, vehicle registration, road safety, and current road conditions.

Wisconsin Department of Transportation (WisDOT): Find information about vehicle registration, driver's licenses, insurance requirements, crash reporting, and other motor vehicle services.
Wisconsin Office of the Commissioner of Insurance (OCI): Review auto insurance requirements, coverage information, consumer guides, and complaint resources.
WisDOT Safety: Find information about winter driving, crashes, distracted driving, impaired driving, and other road-safety topics.
511 Wisconsin: Check current traffic, incidents, construction, travel times, road conditions, lane closures, and traffic cameras.

How to get car insurance in Wisconsin with Progressive

Progressive gives Wisconsin drivers several ways to compare coverage options and get an auto insurance quote. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay.

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