Wisconsin Car Insurance Laws
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 offenses, such as Operating While Intoxicating (OWI) are there for 55 years.
Double your points: Drivers who hold probationary Wisconsin licenses are assessed double the demerit points after the first offense.
Age restrictions: Restrictions for owning and insuring a car are the same in Wisconsin. A minor can do both, but only with the consent of a parent or guardian.
Uninsured motorist penalties for Wisconsin: You may be fined up to $500 and your license and registration may be suspended.
Proof of insurance via smartphone: Wisconsin law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.
Largest car insurance companies in Wisconsin by market share
||Company / Group
||Direct Premiums Written ($)
||Market Share (%)
||Amer Family Insurance Group
||Progressive Insurance Group
||State Farm Group
||Berkshire Hathaway Insurance
||Allstate Insurance Group
||Acuity A Mutual Insurance Company
||Farmers Insurance Group
||West Bend Mutual Insurance Company
||Liberty Mutual Insurance Companies
||Auto Club Group
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.