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wisconsin car insurance that’s right for you, not someone sorta like you

The Badger State is known for a lot of things — delicious cheese, the Green Bay Packers, and a wealth of outdoor activities, to name a few — but high auto insurance rates don't need to be one of them. In fact, Esurance offers affordable car insurance in Wisconsin, plus an easy-to-use website and 24/7 customer service.

When you get your personalized quote for Wisconsin car insurance, CoverageMyWay™ can help prioritize coverage options based on the info you provide.

wisconsin auto insurance discounts

We like to consider ourselves the big cheese when it comes to saving Wisconsin residents some cash on their car insurance. Here are some of our unique discounts:

  • Multi-Car discount
  • Multi-Policy discount
  • Homeowners discount
  • Good Student discount
  • Switch & Save® discount
  • Fast 5® discount
  • Paid-in-Full discount
  • DriveSense™ discount

Our Renters Plus® discount*

Now, for Wisconsin residents, protecting your valuables can be just as simple as protecting your car. With our Renters Plus discount, you could save money on your car insurance by adding renters coverage to your policy.

Esurance discounts may vary. If you're already an Esurance policyholder and have questions about your discounts in Wisconsin, call us at 1-800-ESURANCE (1-800-378-7262).

car insurance coverages in wisconsin

Required coverages

Drivers in Wisconsin are required to carry liability insurance, which helps pay for others' medical expenses and property repair costs if you're found at-fault in an incident. Your state requires at least the following limits:

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per incident
  • $10,000 of property damage liability per incident
  • $25,000 of uninsured motorist bodily injury coverage per person
  • $50,000 of uninsured motorist bodily injury coverage per incident

Optional coverages

The following protection options from Esurance can broaden the financial safeguarding you get from your Wisconsin auto insurance policy:

  • Collision
  • Comprehensive
  • Underinsured motorist bodily injury
  • Medical payments
  • CarMatch Rental Coverage®
  • Towing and labor
  • Customized parts and equipment
  • Auto loan/lease (or "gap")

facts about car insurance policies in wisconsin

Car insurers in Wisconsin are allowed to use credit reports as a rating factor.

If a company denies coverage based on your credit, you have the right to request a free copy of the report they viewed to verify the information it contains. The insurer will give you the address and phone number of the credit agency where you can obtain the report.

Other factors that insurers often take into consideration when determining your car insurance rate include:

  • Prior insurance history
  • Year, make, and model of your car
  • Age, gender, and marital status
  • Driving record and claims history
  • ZIP Code where your car is parked
  • Coverages, limits, and deductibles you choose

Penalty for not having the required coverage

Failure to show proof after accidents or at traffic stops can result in a fine of $10. Driving a car that's altogether uninsured can lead to a fine up to $500.

Electronic proof of insurance in Wisconsin

Just another reason for Wisconsin drivers to choose Esurance, our innovative mobile app provides 24/7 access to car insurance ID cards, policy documents, and more. Which is pretty cool, since Badger State law allows drivers to pull up proof of insurance on their smartphones if they ever get pulled over.

Alternative car insurance option

Drivers who can't afford a typical car insurance policy can apply for coverage through the state-sponsored Wisconsin Automobile Insurance Plan. Visit the Wisconsin Automobile Insurance Plan site for more info.

State insurance authority: Wisconsin Office of the Commissioner of Insurance

Determining fault after car accidents

Wisconsin is a tort-based state that uses the comparative negligence system. This means that drivers can sue for post-accident damages if another motorist was more than 50 percent at-fault for the incident. The amount you can recover is partially based on your own percentage of fault.

Uninsured drivers in Wisconsin

According to the Insurance Research Council, 11.7 percent of Wisconsin drivers were uninsured in 2012, slightly lower than the U.S. average of 12.6 percent.

Animals on the road

Wisconsin has among the highest frequency of deer-related car accidents in the nation. In fact, according to Wisconsin's Department of Transportation, collisions with deer account for about 15 percent of all total car accidents.

Comprehensive coverage can offer financial protection from animal-related accidents and more.

Related links

Milwaukee car insurance
Get important info for Milwaukee drivers and see how much you could save when you get a fast, personalized car insurance quote from Esurance.

Brush up on winter driving tips
Be ready when Wisconsin's lush farmlands turn to frozen tundra.

Wonder if you could be saving on car insurance?

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