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Cheapest Car Insurance in Wisconsin

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.


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 (§ 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!


Best Cheap Car Insurance Quotes for Wisconsin

Milwaukee County Car Insurance

Along the shore of Lake Michigan about an hour and a half north of Chicago is Milwaukee County. The most populous county in Wisconsin, it is home to nearly 1 million. The county seat is Milwaukee, home to Harley-Davidson and birthplace of the QWERTY keyboard.

Known for its breweries and once the world's leading beer producer, Milwaukee's tourist attractions now include a Riverwalk, the Wisconsin Center and Miller Park. Milwaukee's Holler House has the oldest certified bowling alley in the U.S. Opened in 1908, its lanes are still manually tended by pinsetters. The city's annual Summerfest is considered the nation's largest music festival, with an average of 2,500 performers.

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Dane County Car Insurance

Located in southern Wisconsin, Dane County is the second most populated after Milwaukee County. The county seat, Madison, is the capital of Wisconsin and the state's second largest city with a population of about 250,000.

Madison annually hosts the Great Taste of the Midwest craft beer festival, the second longest running event of its kind in North America. The unique National Mustard Museum featured on the Food Network was formerly located in Mount Horeb, but relocated 2009 to Middleton, also in Dane County. On exhibit are more than 2,300 types of mustards and antique jars.

County Sedan Suv Coupe Truck Hybrid

Waukesha County Car Insurance

Containing a portion and the western suburbs of Milwaukee, Waukesha County is the state's third most populous with nearly 400,000 residents. It is often described as lake country by locals for its many lakes. The county seat is Waukesha, a city of about 71,000.

Hiking, golf and water recreation are popular. At least 40 lakes in Waukesha County have public lands or parks and two have beaches. The Oconomowoc Art Festival and Delafield Antique Show are regular events and draw visitors. The county is also home to the Red Circle Inn, established in 1848 and reportedly the state's oldest restaurant.

County Sedan Suv Coupe Truck Hybrid

Brown County Car Insurance

One of two original Wisconsin counties, Brown County originally took up the east part of the state. Green Bay, the county seat, is the oldest city in Wisconsin and home to the Green Bay Packers. The city lies at the head of the Green Bay, a sub-basin of Lake Michigan allegedly named for the algae that grew there.

Green Bay got its nickname as the "toilet paper capital of the world" after one of its numerous paper companies began offering the first "splinter-free" toilet paper in the 1930s. Green Bay remains home to a large number of paper producing companies. It was also headquarters for meat-packing companies, including Acme Packing Co. and the Indian Packing Co., the namesake of Green Bay's NFL team.

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Racine County Car Insurance

South of Milwaukee on the shore of Lake Michigan, Racine County is home to the cities of Burlington and Racine, its county seat. Nicknamed "Chocolate City USA," Burlington hosts an annual Chocolatefest every Memorial Day weekend, as a Nestle chocolate factory was built there in 1966.

Burlington's Chocolate Experience Museum is free to the public with tours and samples. The county seat of Racine has a long tradition of innovation. It is the birthplace of malted milk and the garbage disposal. Among its unique and historic buildings is the Johnson Wax Headquarters designed by Frank Lloyd Wright, along with the Wingspread Herbert Johnson House, the Thomas P. Hardy House and the Keland House.

County Sedan Suv Coupe Truck Hybrid

Outagamie County Car Insurance

Named for an Anishinaabe term that translates roughly into "dwellers on the other side of the stream," Outagamie County lies just southwest of Green Bay and north of the massive Lake Winnebago. The county seat is Appleton, the chosen hometown of magician Harry Houdini, whose life and work are chronicled at Appleton's History Museum at the Castle.

Among Appleton's offerings for visitors is the Paper Discovery Center, home of the Paper Industry International Hall of Fame and an interactive museum of all things paper. The City of Seymour is the site of the Hamburger Hall of Fame and the annual Burger Fest during the first week of August. A 5,520-pound hamburger assembled and served at the 1989 event holds the world record, and subsequent burgers have averaged about 190 pounds.

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Winnebago County Car Insurance

Along the western shore of Wisconsin's largest lake, Lake Winnebago, Winnebago County encompasses 12 lakes. About one quarter of the county's 434 square miles is water. The county seat is OshKosh, former headquarters of the OshKosh B'Gosh children's clothing manufacturer that was founded there in 1895.

Winnebago County is the site of EAA AirVenture OshKosh, the world's largest airshow held by the Experimental Aircraft Association. Fishing tournaments, a sturgeon spearing season, yacht and boat races on Lake Winnebago boost tourism in the county, as well as several annual music festivals.

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Kenosha County Car Insurance

At the southeastern tip of Wisconsin is Kenosha County, about an hour north of Chicago, Ill. And about 40 minutes south of Milwaukee on Interstate 94. It is home to about 167,000, some of whom are commuters to travel to Chicago by a direct rail link.

The county seat, Kenosha, is the birthplace of actor, writer and producer Orson Welles. Boasting its own streetcar system, it is sometimes called "K-town" by locals and has an impressive museum scene. The Dinosaur Discovery Museum has the most meat-eating dinosaur skeletons in the U.S. The Kenosha Public Museum has the most Woolly Mammoth bones every collected, and the Civil War Museum is the second largest in the nation.

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Rock County Car Insurance

Located in south central Wisconsin along the Illinois border, Rock County is home to more than 160,000. The county was named for the river that bisects it from north to south. Janesville, the county seat and largest city, is 40 miles south of Madison and about 75 miles from Chicago, Ill. It was the site of the first Wisconsin State Fair in 1851.

Roughly 20 percent of Wisconsin's buildings listing in the National Register of Historic Places are located in Janesville. Built in 1930, the Armory was used during World War II by the 192nd Tank Battalion. It has been renovated and is used today as a theater venue. The City of Beloit has a Fine Arts Incubator featuring a co-op of artists' studios in a refurbished local landmark. Beloit is also home to an International Film Festival that takes place annually in eight venues.

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Marathon County Car Insurance

The largest county in Wisconsin by land area, Marathon County lies at the center of the state, bisected by the Wisconsin River that divides its county seat of Wausau into east and west sections. About a third of the county's economy is based in manufacturing.

Also the largest city, Wausau is a center for harvesting American ginseng, a medicinal herb, and red granite. Marathon County is known for more than 884 miles of maintained snowmobile trails, which are groomed by nearly 30 local snowmobile clubs. Tourist attractions include the Sylvan Tubing Hill, Willow Springs Garden, Nine Mile Forest and Robert W. Monk Public Gardens.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Eau Claire$716.00$612.00$680.00$697.00$772.00
Fond Du Lac$644.00$553.00$615.00$654.00$687.00
Green Lake$713.00$609.00$672.00$733.00$772.00
La Crosse$679.00$582.00$648.00$692.00$728.00
St. Croix$709.00$609.00$672.00$728.00$764.00
Wood$715.00$614.00$676.00$734.00$771.00 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, accidents, 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 auto insurance premiums have been dropping since 2004 until a slight rebound in 2010 and 2014. Wisconsin’s auto 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.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversAmerican Family
Young driversWest Bend
Drivers with an at-fault crashState Farm
Drivers with poor creditAcuity
Retired driversAmerican Family


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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