Cheap car insurance in Wisconsin for good drivers
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Affordable Wisconsin car insurance that puts you first
Root rewards Wisconsin drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Wisconsin auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Wisconsin auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in America’s Dairyland
Wisconsin drivers learn quickly that the season matters almost as much as the destination. Milwaukee and Madison stay busy, while Green Bay, Eau Claire, La Crosse, and northern Wisconsin add plenty of road beyond the state’s two largest metros.
Southern Wisconsin: I-94 links Milwaukee and Madison before continuing west, while I-43 connects Milwaukee with Green Bay.
Across the state: I-41 serves the Fox Valley and Green Bay, while I-90 connects southern Wisconsin with La Crosse and routes toward Minnesota.
Winter comes with the territory: The Wisconsin Department of Transportation provides highway and travel information, while the state’s Motorists’ Handbook covers Wisconsin rules of the road.
From Milwaukee to Madison and beyond: Explore Wisconsin car insurance from Root.
Wisconsin's minimum auto insurance requirements
To legally operate a vehicle in Wisconsin, you must carry Liability insurance and Uninsured Motorist coverage. If you are found driving without these coverages, you may face fines and suspension of your vehicle registration.
The minimum coverage amounts required for drivers in Wisconsin are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$10,000 per accident
Uninsured motorist coverage (UM)
$25,000 bodily injury per person
$50,000 bodily injury per accident (multiple people injured)
Types of Wisconsin auto insurance we offer
Explore our Wisconsin car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Wisconsin?
The average Wisconsin driver pays $2,343 per year for full coverage car insurance [2].
Root customers looking to purchase Wisconsin car insurance could save up to $1,300 a year.
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Wisconsin Auto Insurance FAQs
What is the minimum car insurance required in Wisconsin?
To legally operate a vehicle in Wisconsin, you must carry liability insurance and uninsured motorist coverage.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance and uninsured motorist coverage are the only coverages you are legally required to select when purchasing auto insurance in Wisconsin.
Is it legal to drive without insurance in Wisconsin?
No, you cannot legally drive without auto insurance in Wisconsin. State law requires every driver and vehicle owner to maintain continuous liability insurance and uninsured motorist coverage and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Wisconsin?
Yes. Wisconsin requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Wisconsin?
The easiest ways to save on your Wisconsin car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Badger State.
Is Wisconsin a no-fault car insurance state?
No, Wisconsin is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Wisconsin?
Wisconsin law does not require drivers to carry collision coverage. The state only requires minimum liability insurance and uninsured motorist coverage. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured motorist coverage required in Wisconsin?
Yes, Wisconsin requires drivers to carry uninsured motorist coverage. It helps pay for injuries (and, depending on your policy, vehicle damage) when the at-fault driver has no insurance or not enough coverage. You can review your uninsured/underinsured motorist coverage options, including higher limits, in our app.
Does Root offer full coverage car insurance in Wisconsin?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Wisconsin?
High-risk Wisconsin drivers may be ordered by a court or the Wisconsin DMV to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
What happens if I'm partly at fault for an accident in Wisconsin?
Wisconsin uses a modified comparative negligence rule with a 51% bar. You can recover damages as long as you're not more at fault than the other party, though your compensation is reduced by your share of fault. If you're found 51% or more at fault, you can't recover damages.
Helpful resources for Wisconsin drivers
Wisconsin Department of Transportation
WisDOT maintains the state's highways and runs the Wisconsin DMV, which issues driver's licenses, vehicle titles, and registrations.
Wisconsin Motorists' Handbook
Wisconsin Office of the Commissioner of Insurance
The Office of the Commissioner of Insurance regulates insurance in Wisconsin and explains auto coverage options.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Wisconsin Office of the Commissioner of Insurance. Frequently Asked Questions - Automobile Insurance.
Insure.com. Annual average rates were compiled in 2026.