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Wisconsin’s State Minimum Coverage For Auto Insurance Plus Common Cover & Avg Rate by City

If you are getting a new or renewed policy in the state of Wisconsin the minimum standards for auto insurance rates has increased.

If you want, compare insurance quotes from top companies in your area then simply enter your zip code in the advance comparison tool and compare three or more quotes to find savings of twenty percent or more.

If you want to know the minimum standards then keep on reading to be sure you comply with Wisconsin’s state law for car insurance.

Best auto insurers in Wisconsin for a 25 year old driver.

Note: A 25 year old driver in Wisconsin would find lower rates with any of the insurers illustrated. The two cheapest are Progressive and Partners Mutual. Please see table below.

State Minimum Requirements in the state of Wisconsin

CoverageWisconsin Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$100,000
Uninsured Motorist Protection$25,000 / $50,000$100,000 / $300,000
Medical Payments*Optional$1,000
Comprehensive CoverageOptional$100 - $1,000 deductible
Collision CoverageOptional$250 - $1,000 deductible

*Double check your health insurance policy for overlapping coverage.

Bodily Injury Liability

The minimum cover is $25,000 for injury or death of one person and $50,000 for injury or death of two or more passengers concerned in an unforeseen accident. The amount is maximum the insurance company will pay out for medical expenses or any other related medical care expense that may be needed.

Lowest quotes for 30 year old in WisconsinNote: The most inexpensive auto insurance quotes for a 30 year old driver were from GEICO and Progressive. Please reference table below.

Property Damage Liability

The minimum cover is $10,000 which is the maximum the insurer will pay out for damage caused to the other person’s automobile, traffic signs, buildings, or any other property that may have been damage in an unforeseen car accident.

In the state of Wisconsin there is a significant amount of uninsured motorists therefore the state requires uninsured/underinsured motorist protection.

Low cost insurers in Wisconsin for 35 year old.Note: The insurers illustrated clustered between $998 and $1,100. This is more than 14% cheaper than the “mean” for a 35 year old driver in Wisconsin.

Uninsured Motorist Protection

The minimum amount of cover is $100,000/$300,000 for bodily injury. Uninsured motorist cover applies to bodily injury to you, your family, and other passengers of your vehicle when hit by an uninsured motorist or a hit-and-run driver.

It will cover you and your family if you are hit by a vehicle when you are walking along side of a street as a pedestrian. The ultimate purpose of UM protection is to protect you by making sure money is available to pay for your losses that are cause by someone else. Your insurer may sue the other driver for any money the insurer pays you because of the other driver’s negligence.

Best premium rate options for 40 year old driver

Note: A 40 year old is able to get lower quotes from GEICO, Progressive, Partners Mutual, or State Farm.

Average Car Insurance by City in Wisconsin

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Beloit$1,31435,775Ixonia$1,4794,385Oak Creek$1,57228,456
Brandon$1,289856La Crosse$1,63251,818Oconto$1,5434,513
De Pere$1,47620,559Lancaster$1,8343,760Okauchee$1,3114,422
Eau Claire$1,62261,704Manitowoc$1,72134,053Sheyboygan$1,46350,792
Edgerton$1,5115,552Menomonee Falls$1,68132,647Sun Prairie$1,48820,369
Fond du Luc$1,60842,203Mequon$1,58921,823Sussex$1,47110,765

Milwaukee, WI

Milwaukee cheapest insurance rates and averages.

Milwaukee is the largest city in Wisconsin as well as an international seaport. Milwaukee is a center for the arts, culture, and museums. Some of Milwaukee’s more notable museums include: The Betty Brinn Children’s Museum, The Charles Allis Art Museum, The James Lovell Museum of Science, Economics, and Technology, The Milwaukee Art Museum.

Top Spots to Visit in Milwaukee

  • The Harley-Davidson factory tour

  • The Iron Block Building

  • The Third Ward District

  • The Wisconsin State Fair

Finding affordable auto insurance in Milwaukee is fairly easy if you know where to get quotes. The cheapest insurers are GEICO, Progressive, and Acuity. Each a $1,289, $1,290, and $1,321 respectfully. This is more 19% lower than the whopping average rate of $1,829.

For a 45 year old driver we found the lowest from GEICO, Progressive, Acuity, and State Farm. Each clustered around the $1,000 range. Both the 30 and 45 year old driver had good credit, a clean driving history and driving a 2013 Toyota Camry.

Milwaukee Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
State Farm$1,390$1,069
Pekin Insurance$1,413$1,090
American Family$1,432$1,143

Madison, WI

With a population of nearly 250,000 residents the city of Madison offers its residents a wide array of cultural activities not typically found in a city of its size.

Awesome entertainment can be found virtually any night of the week at the University of Wisconsin performance venues. Which include the Brat Fest and Craft Beer Week. Full of quaint coffee shops, unique gift stores, with surrounding outdoor beauty other popular places include: The Madison Repertory Theater, the Madison Opera, and the Madison Symphony all offer performance year-round.

A lot of residents of Madison use public transportation. This is good news for those since it could lower your rates. If you are looking for the cheapest put Progressive, Pekin, and Partners Mutual on your list to get quotes.

Each of the insurers clustered near the $1,000 mark for a 30 year old driver. This is more than 40% lower than the average rate of $1,800. Out of the 8 insurance companies we queried for a 30 and 45 year old driver the lowest each time were Progressive, Pekin, and Partners Mutual.

Madison Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Partners Mutual$1,004$713
Pekin Insurance$1,009$765
State Farm$1,089$854
American Family$1,167$965

Green Bay, WI

Green Bay Wisconsin inexpensive insurer options

Green Bay is a vibrant town in terms of arts, culture, and events. A visitor’s options for seeing a live performance are plentiful and varied. Known for being the state’s oldest settlement in the 1600’s this area was famous for paper production and an international shipping industry. Home to Lambeau Field and the National Railroad Museum there is a plethora of sights to see in a city with approximately 100,000 residents. Also, the smallest city to host a NFL team; the Green Bay Packers.

Residents of Green Bay can be busy with all the sporting events. If a little more time was spent on car insurance the savings could be a much as 40% or more. Start by getting quotes from Partners Mutual, Progressive, and American Family. Each with a $989, $1,043, $1,089 quote for a 30 year old driver. And 42% lower than the average “mean” rate of over $1,700 per year. GEICO and Pekin are certainly worth getting quotes from since both are over 30% lower than the “mean” rate in Green Bay.

Green Bay Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Partners Mutual$989$743
American Family$1,089$789
Pekin Insurance$1,166$841
State Farm$1,178$854

Kenosha, WI

The Kenosha has a population of nearly 100,000 residents and average car insurance rate of $1,479 per year. Full of culture, arts, and entertainment with events to include the Pops Concert Band performances and the Peanut Butter and Jam Concert Series. Residents and tourists love the Kenosha Symphony Orchestra and awesome jazz concerts for high-class entertainment. The Bristol Renaissance Faire includes a vast number of costumed performers and a large number of shops and stages.

Compared to other highly populated cities in Wisconsin, Kenosha has lower car insurance rates. To find lower than average start by getting quotes from GEICO, Progressive, and Allstate. Each clustered near the $1,000 mark with GEICO being the lowest at $976 per year for a 30 year old driver with full coverage. A 45 year old driver in Kenosha should get quotes from all of the companies illustrated in the table. All 7 insurers clustered in the $800 range, GEICO being the lowest at $801. If you are family it would be wise to get insurance quotes from all companies illustrated for optimum coverage and the most savings.

Kenosha Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
American Family$1,089$852
Partners Mutual$1,121$851
Pekin Insurance$1,143$867
State Farm$1,164$866

Racine, WI

Racine, WI best premium rate options for drivers.

With nearly 80,000 residents, Racine is situated near Lake Michigan which provides a variety of outdoor activities and offers breath-taking views. Outdoor enthusiasts love the fishing opportunities located at Horlick Dam, Island Park and Lincoln Park. Root River is vibrate and popular for hiking and kayaking. Quarry Lake Park is a former limestone quarry and converted into one of the best outdoor swimming locations in the Midwest.

Which companies have inexpensive auto insurance premiums for residents of Racine? Our top picks are GEICO, Progressive, and Allstate for a 30 and 45 year old driver. Each insurer is 26% lower than the “mean” rate of $1,311 in Racine. Acuity and Partners Mutual are 22% lower than the average rate. All of the insurers illustrated would be well worth your time to get quotes from. Each driver illustrated has no more than one driving violation, good credit, not married, and the automobile was a 2014 Honda CR-V.

Racine Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Partners Mutual$1,111$889
Pekin Insurance$1,132$900
State Farm$1,176$904

Appleton, WI

Appleton is about 90 miles north of Milwaukee with a population of approximately 71,000. The city benefits from easy access to the nearby cities such as Oshkosh and Neenah. Outdoor enthusiasts will enjoy any of the Parks which included, Plamann County, High Cliff, and the Heritage Hill State Park. Visitors and tourists enjoy museums such as, National Railroad Museum, Hazelwood Historic House Museum, EAA Air Adventure Museum, and the White Pillars Museum. Each attract thousands of visitors each year.

Residents of Appleton enjoy some of the lowest car insurance rates in the state of Wisconsin. If you want to enjoy more savings then get quotes from Partners Mutual, GEICO, Progressive, State Farm, Acuity, and Pekin. Partners Mutual is the lowest with a $923 quote for a 30 year old and $689 quote for a 45 year old driver. GEICO was the next best option with $944 quote for a 30 year old driver and $703 quote for a 45 year old driver. Each are 16% lower than the average insurance rate of $1,234 in the city of Appleton. The other insurers illustrated were at least 10% lower than the average rate.

Appleton Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Partners Mutual$923$689
State Farm$1,008$745
Pekin Insurance$1,088$799

Oshkosh, WI

Better premium rate options for drivers in Oshkosh, WI

Oshkosh has nearly 70,000 residents and was named for Menominee Chief Oshkosh. The city has numerous listings on the National Register of Historic Places. Leach Amphitheater hosts the weekly Waterfest concert series during the summer and the Grand Opera House has performances year-round. Other popular attractions include: Utica Golf Course, Morgan House, Menominee Park, Paine Art Center and Gardens, Far Vu Golf Club, and Southview Park.

The “mean” auto insurance rate is $1,537 per year in Oshkosh. However, we found quotes nearly 40% cheaper than the average rate. Start with Partners Mutual and GEICO if you are a 30 year old driver trying to get a premium for less than a $1,000 per year. A 45 year old trying to save would be smart to get quotes from all insurers illustrated.

Oshkosh Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Partners Mutual$911$700
Pekin Insurance$1,009$721
State Farm$1,044$789

Comprehensive & Collision Coverage

If you are looking for cheap auto insurance in Wisconsin and you have a newer vehicle then it is recommended to get additional cover including the minimum. 

Chart showing when to get comprehensive and collision coverage and when to self insure.

Note: The chart is only a guide. A typical family may have $2,500 in savings. If the value of the car is less than $2,500 don’t buy comprehensive or collision coverage. At that point you would waste your money.

If you have an older car then you may want to compare quotes and see if you need comprehensive or collision coverage depending on the cost of your vehicle. It is important to make sure you are covered, but at the same time you do not want to overpay for coverage or get any that you may not need.

Cheapest insurance quotes for 45 year driver in WI.

Cheapest Rates by Insurer & Age

RankWI Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
3Partners Mutual$1,588$1,189$1,067$905$788$710
4State Farm$1,611$1,245$1,078$909$804$715
5Pekin Insurance$1,700$1,255$1,100$987$856$767
9MetLife $1,949$1,578$1,233$1,090$909$801
12Western National$2,056$1,743$1,356$1,108$998$843
1321st Century$2,143$1,745$1,378$1,143$1,004$879
14Liberty Mutual$2,178$1,879$1,390$1,145$1,006$899
17Integrity Mutual$2,765$2,243$1,611$1,256$1,099$954

Average coverage per driver in The Badger State:

  • Bodily Injury Liability – $100,000/$300,000

  • Property Damage Liability – $100,000

  • Uninsured/Underinsured Motorist Protection – $100,000/$300,000

  • Medical Payments Coverage – $5,000

  • Comprehensive Coverage – $100 deductible

  • Collision Coverage – $500 deductible

Driving Without Insurance – Fines & Penalties

The fines and penalties for driving without insurance in Wisconsin is not as strict as other states in the United States. However, drivers are required to show proof of insurance at any traffic stops and/or accidents if a law enforcement officer requests it.

If you are in violation of driving without insurance you may receive up to a $500 fine and if you fail to show proof of insurance to law enforcement then you will receive a $10 fine. In a circumstance when you show “fraudulent” proof of coverage the fine will be up to $5,000.

Wisconsin is one of the few states which does not require you to have an insurance card or proof to show at the Department of Transportation to register a vehicle. However, Wisconsin’s DOT can ask for proof on a case by case basis and if you do not have cover then you either without a license or it is revoked until you have minimum coverage.

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
125 S Webster St, Madison, WI 53703
(608) 266-3585
141 NW Barstow St, Waukesha, WI 53188
(262) 548-5902
6073 N Teutonia Ave, Milwaukee, WI 53209
(414) 266-1000

Best Insurers by Consumer Rating & Complaints

WI Auto Insurance CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm356,659,344 +2.1%384.5
Acuity Insurance$91,307,045+2.6%73.9
Farmers 19,702,542+2.6%214.3
Allied10,920,209+3.1%16 4.0
MetLife 24,293,753+3.1%104.0
Nationwide45,911,924 +3.6%44.2
Liberty Mutual56,145,789+3.3%94.4
Allstate98,012,635 +3.4%224.5
Rural Mutual Insurance 30,693,992 +3.6%44.2
Wilson Mutual21,900,011 +3.1%34.1
American Family519,715,033+1.9%593.8
Erie Insurance49,331,911+4.1%33.7
Secura Insurance31,010,361 +3.1%54.1
Wisconsin Mutual Insurance39,478,366 +2.1%53.9
State Auto16,292,539 +2.6%53.9
Integrity Insurance22,380,259+4.1%73.8
Badger Mutual Insurance22,125,167+3.1%53.8

Final Thoughts

At Autoinsuresavings we want the residents of Wisconsin to get low cost insurance quotes to find the best deal while maintaining or receiving more coverage for less.

Getting Wisconsin car insurance quotes has never been easier when you enter your zip at the top of the page.

You have the advantage of any insurance broker by comparing quotes, you can have the agent call you back in two, three, five minutes, all from your home and at your convenience. Find out today and see if you can save forty percent or more on auto insurance.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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