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Wisconsin Car Insurance Rates

Car insurance in bustling Milwaukee is twice the cost of coverage in the cheapest parts of the state. Even so, the difference in rates as you compare insurance companies can be substantial no matter where you live. You can compare your ZIP code to others with the map below.

Wisconsin car insurance requirements

Wisconsin state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $10,000
Uninsured motorist bodily injury $25,000/$50,000
Underinsured motorist bodily injury Optional

Wisconsin Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Wisconsin
  • 53205: $1,488
  • 53206: $1,409
  • 53204: $1,388
  • 53233: $1,387
Cheapest Neighborhoods
In Wisconsin
  • 53081: $761
  • 54136: $779
  • 54173: $784
  • 54130: $788

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What you need to know about car insurance in Wisconsin

Penny Gusner
Consumer Analyst

Wisconsin actually reduced its liability insurance requirements recently -- cutting the $100,000 per person bodily injury limit to $25,000 and the property damage limit from $15,000 to $10,000 -- and also made formerly mandatory underinsured motorist coverage optional.

These changes may make a very basic policy cheaper but do not provide adequate coverage for anyone with a home, family or substantial savings. If you were to hit a newer car and inflict even minor injuries on its driver, those limits would be quickly exhausted and your finances exposed.

Don't bag a deer with your car: A Wisconsin driver's odds of hitting a deer are among the highest in the country at 1 in 78, according to State Farm data. You are not covered for damage unless you have comprehensive coverage.

A long memory: Most convictions remain on your Wisconsin motor vehicle record for five years, but some serious and alcohol-related offenses are there for 55 years.

Double your points: Drivers who hold probationary Wisconsin licenses are assessed double the demerit points after the first offense.

Never too young: Wisconsin lags behind the national average on seat belt use. To help change that, the State Patrol brings a car seat to kindergartens, buckles young pupils in and tilts the chair forward. It’s called the machine the "Little Convincer."

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