Actual Yearly Savings
  • Joshua
  • $1560
  • Jan 18, 2017
  • Vanessa
  • $1404
  • Jan 6, 2017
  • Daniel
  • $600
  • Jan 1, 2017
  • Ariwah
  • $204
  • Dec 30, 2016
  • Aaron
  • $1200
  • Dec 30, 2016
  • Richard
  • $600
  • Dec 29, 2016
  • Jenaye
  • $1800
  • Dec 28, 2016
  • Gerals
  • $3600
  • Dec 27, 2016
  • Boris
  • $600
  • Dec 24, 2016
  • Ahmed
  • $100
  • Dec 18, 2016
  • Patrick
  • $600
  • Dec 17, 2016
  • Matthew gilmore
  • $300
  • Dec 12, 2016
  • Michael desmond
  • $3600
  • Dec 9, 2016
  • Ganesan
  • $100
  • Dec 9, 2016
  • Mamacita
  • $100
  • Dec 8, 2016
  • Nwaigwe
  • $1125
  • Nov 28, 2016
  • Atif ur rehman
  • $360
  • Nov 23, 2016
  • Zack
  • $1920
  • Nov 8, 2016
  • Brandon
  • $1800
  • Oct 2, 2016
  • Alex
  • $198
  • Aug 10, 2016
  • Kylah
  • $2400
  • May 2, 2016
  • Linda
  • $1200
  • Jul 4, 2015
  • Desi
  • $1200
  • Jun 22, 2015
  • Crystal
  • $300
  • Jun 22, 2015
  • Amer
  • $480
  • Jun 5, 2015
  • Jasmine
  • $2400
  • Jun 4, 2015
  • Ted
  • $120
  • May 15, 2015
  • Jeremiah
  • $1200
  • May 13, 2015
  • Cody
  • $1200
  • Apr 28, 2015
  • Arthur
  • $1500
  • Mar 19, 2015
  • Michael
  • $800
  • Mar 4, 2015
  • Babiisasha
  • $910
  • Mar 2, 2015
  • Alex
  • $516
  • Mar 2, 2015
  • Tushar
  • $2400
  • Feb 28, 2015
  • Tim
  • $300
  • Feb 28, 2015
  • Kristina
  • $1200
  • Feb 21, 2015
  • Santos
  • $1000
  • Jan 30, 2015
  • Janine
  • $1200
  • Jan 21, 2015
  • Matt
  • $150
  • Jan 16, 2015
  • Denise
  • $2100
  • Jan 9, 2015
  • Tammie
  • $1800
  • Dec 12, 2014
  • Denise
  • $1800
  • Dec 8, 2014
  • Nidia
  • $960
  • Dec 7, 2014
  • Debora
  • $240
  • Dec 4, 2014
  • Christian
  • $1200
  • Nov 26, 2014
  • Meghan
  • $1080
  • Nov 9, 2014
  • Robert
  • $3000
  • Nov 8, 2014
  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014

Our Commitment

We Stand Behind Our Commitment to do our Best to get You the Lowest Rates Online. Getting cheap auto insurance quotes is so easy now.

One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped


at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."


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Cheapest Car Insurance in Wisconsin (WI)

Wisconsin holds the second longest Great Lakes coastline, making summer beach fun a big draw for its residents and visitors alike. “The Beaver State” offers natural attractions of all kinds across its varied landscape, and its dairy industry has made the state famous for Wisconsin cheese. The state’s residents enjoy water skiing on the lakes, camping in the national parks and tasting the state’s famous cuisine. Taking a drive from the Central Plains to Lake Michigan’s beaches can be a fantastic adventure. is making the adventure easier by providing Wisconsin drivers a short, organized and thorough list of all the useful car insurance information for the state.


Car Insurance Quotes for Wisconsin

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Eau Claire$971.00$762.00$986.00$868.00$1,043.00
Fond Du Lac$936.00$736.00$951.00$830.00$998.00
Green Lake$1,025.00$806.00$1,047.00$918.00$1,104.00
La Crosse$984.00$774.00$1,001.00$880.00$1,056.00
Saint Croix$1,063.00$834.00$1,078.00$954.00$1,146.00
Wood$1,020.00$802.00$1,037.00$918.00$1,100.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Wisconsin’s average premiums have been dropping since 2004 until a slight rebound in 2010 and 2014. Wisconsin’s premiums as a percentage of income fell to a record low at .44 percent below the national average in 2008 but have since started to rise again.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration noted that Wisconsin’s percentage of drunk driving fatalities in 2011 had risen 6 percent from the previous year. However, still slightly above the nation’s 31 percent, the state’s 2012 average was reported at 33 percent.

Teen Drinking and Driving

The Center for Disease Control reported that Wisconsin’s teen drinking and driving percentage was 12 percent in 2011. The national average that year was 10.1 percent, nearly 2 percent below the state’s.

Vehicular Theft in Wisconsin

Wisconsin saw a small decline in vehicle thefts in 2012, bringing its rate to 143.5. The FBI’s report revealed the 2012 national rate to be 129, much higher than Wisconsin’s rate.


There are always new laws and regulations to learn and decipher, and this list has already done both. Following are all the important Wisconsin driving facts to keep drivers safe and protected for all their adventures to come.

Wisconsin’s Minimum Requirements for Car Insurance

  • Liability Insurance and Uninsured/Underinsured Coverage is required by the Wisconsin Insurance Commissioner.
  • Liability minimums in Wisconsin:
    • $25,000 covers a person if he/she is injured or killed in an accident.
    • $50,000 covers an accident if there is more than one person injured or killed.
    • $10,000 covers property damage in an accident.
  • Uninsured/Underinsured Coverage minimums:
    • $25,000/$50,000
  • The state provides the Consumer’s Guide to Auto Insurance booklet to help educate drivers on insurance facts.

New Driver Licensing Requirements

  • According to the Wisconsin Division of Motor Vehicles (DMV), new residents who hold a current out-of-state license may only need to take a vision test to apply for a Wisconsin license. All new drivers must first obtain an Instruction Permit. The following is needed for this permit:
    • The applicant must be at least 15 years, 6 months of age.
    • If under 18 years old, the applicant must enroll in an approved driver education program.
    • If under 18 years old, the applicant must have parental consent and be enrolled in school.
    • The applicant must pass the knowledge, sign and vision tests.
  • While holding this permit, the following restrictions apply:
    • The applicant must be with a licensed driver who has 2 or more years of driving experience and is:
      • an instructor 19 years of age or older, OR
      • a parent, guardian or spouse who is 19 years of age or older, OR
      • an authorized person age 21 or older
  • To apply for a Probationary License, drivers under the age of 18 must log 20 hours of daytime driving and 10 hours of night driving.
  • Probationary License. After passing the road skills test and the requirements for the permit, the driver may apply for the Probationary License. The following applies to this license:
    • The applicant may drive alone, and passengers are limited to one individual who is not related. Immediate family members may occupy the vehicle and do not count as passengers for this license.
    • The applicant is not allowed to drive between midnight and 5am unless going to/from school or work.
    • The driver must hold the license for 12 months to apply for a regular driver’s license.
  • Vision Screening. A field of vision of at least 70 degrees and a visual acuity of 20/40 is needed to obtain an unrestricted license. Various restrictions are permitted for applicants who do not have the necessary vision requirements.
  • Knowledge Test. Wisconsin’s Motorists’ Handbook provides the necessary information to pass the knowledge test. The test is administered on touch screen computers at DMV office locations, and the DMV provides a Practice Test. Applicants are allowed 5 attempts within 1 year, and after the fifth attempt they will need special permission from the DMV to re-take the test.
  • Road Test. Using a vehicle provided by the applicant, the test administrator will evaluate the applicant’s skills in the following areas:
    • Follow traffic
    • Change lanes
    • Pass another vehicle
    • Back the vehicle
    • Parallel park
    • Make a 3 point turn
    • Emergency roadside stop
    • Turn left or right on a divided highway and/or a two-lane/one way road
    • Move from a parked position onto the roadway
  • A pre-test vehicle inspection will be performed by the administrator, and the list of required equipment can be found in the Motorists’ Handbook.
  • Fees. Each applicant must provide the appropriate fees:
    • Instruction Permit: $35
    • Probationary License: $28
    • Regular License: $28


  • BAC limit: .08 Wisconsin Law (ยง 346.63) requires Ignition Interlock Devices for every OWI (DUI) offense in Wisconsin. The following are general penalties for OWI in Wisconsin:
  • First Offense:
    • License revocation: 6 to 9 months
    • Fine: $150 to $300
    • Ignition Interlock Device
  • Second Offense within 10 years:
    • Jail: 5 days to 6 months
    • License revocation: 12 to 18 months after released from confinement
    • Fine: $350 to $1,100
    • Ignition Interlock Device
  • Third Offense:
    • Jail: 45 days to 1 year
    • License revocation: 2 to 3 years after released from confinement
    • Fine: $600 to $2,000

Texting & Driving Laws states that Wisconsin has joined the states that hold a ban on texting for all drivers. Also, novice drivers and bus drivers may not use a cell phone (hands-free or handheld) while driving.

Unique Laws

Laws are meant to bring order to society, but some Wisconsin laws just don’t seem to get the job done. For example, in Milwaukee, the law states that if an individual is determined to be offensive looking, he/she is not allowed in public during the day. No one may shoot a bird in Sheboygan, unless of course that person is a police officer. A laser pointer may not be used in order to start a riot, and it is legal to marry one’s own house!


State Department of Insurance

Wisconsin Insurance Commissioner
125 S. Webster St.
Madison, WI 53703
(608) 266-3585
Get Directions

Department of Transportation

Wisconsin Department of Transportation
4802 Sheboygan Ave.
Madison, WI 53705
(608) 264-7447
Get Directions

Department of Motor Vehicles

Wisconsin Division of Motor Vehicles
Department of Transportation
4802 Sheboygan Ave.
Madison, WI 53705
(608) 261-2583
Get Directions

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