Cheap Car Insurance in Wisconsin
Drivers in Wisconsin pay an average of $332 per year for minimum coverage and $1,186 per year for full coverage. Those prices are well below the national average but that doesn't mean you are getting the best possible rate.
The price you pay depends on your driving record, zip code, age, and the insurance carrier you choose.
Insurance Navy works with a network of Wisconsin insurers to compare rates and get our customers the best coverage at the lowest possible price.
Enter your ZIP code below to view quotes for the cheapest Auto Insurance Rates.
Car insurance requirements in Wisconsin
What are Wisconsin’s minimum amounts of Auto insurance that all drivers must carry?
In Wisconsin, all motorists are required to carry liability insurance.
Only the driver and passengers of the other vehicle are covered by liability insurance if you are at fault for the collision. Your Wisconsin liability insurance requirements are as follows:
Bodily injury liability coverage: $25,000 per person
Bodily injury liability (more than one person): $50,000 per accident
Property damage liability coverage: Property damage liability coverage: $10,000 per accident
What types of penalties could you face for driving without Car insurance in Wisconsin?
When operating a vehicle on a public road in Wisconsin, drivers are required by law not only to have insurance but to carry PROOF of that insurance policy with them at all times.
Penalties for driving without Auto insurance in Wisconsin:
The state of Wisconsin does not mess around when it comes to violating the regulations that govern car insurance coverage.
Driving without Insurance: fine not to exceed $510 and suspension of driving privileges until you have an SR-22 on file. The driver must maintain an SR-22 for three subsequent years. In addition, a $60 license reinstatement fee is levied.
Driving without insurance (with an accident): fine not to exceed $510 and suspension of driving privileges for up to three years. $50 reinstatement fee for the vehicle and a $60 reinstatement fee for your license. Violators will also be required to maintain an SR-22 policy for three years.
Has insurance but no ‘proof’ at the time: $10 fine
Exceptions to penalties for driving Uninsured in an accident
According to Wisconsin’s state safety responsibilities laws, a driver can have their privileges and vehicle registration suspended if involved in an accident while uninsured, BUT they can avoid such penalties if they
Put up a security deposit to cover the cost of claims.
Agree to an installment agreement to pay for claims.
Submit a liability lease to prove that they have settled claims with the other parties involved.
Cheapest car insurance in Wisconsin for minimum coverage
Regarding cheap car insurance, liability-only policies are the cheapest and easiest way to meet your legal requirements of state minimum coverage without spending a fortune.
How Much Does Auto Insurance Cost in Wisconsin?
In Wisconsin, the average cost of car insurance reported by residents is around $332/year for minimum coverage (i.e., cheaper car insurance) and around $1,186/year for full coverage.
Overall, this state ranks among the more competitively priced when it comes to auto insurance.
What’s the Cheapest Car Insurance After a DUI In Wisconsin?
Wisconsin’s government and auto insurance companies have taken a strong position against operating a vehicle while intoxicated. If convicted, you should anticipate paying extra for auto insurance and being subject to severe legal penalties and fines.
Don’t be shocked if some insurance providers charge drivers with DUIs 90% more than those with clean records.
SR-22 insurance
As part of the penalties imposed for a DUI conviction, accidents you caused, driving while your license is suspended, driving without insurance, or having too many “points” on your license, you frequently need to obtain and maintain a SR22 insurance in Wisconsin.
What is Wisconsin SR-22 insurance?
SR-22 insurance doesn’t provide you with coverage but proves to the state that you carry liability insurance.
Commonly referred to as a Certificate of Financial Responsibility, SR22 insurance lets the state of Wisconsin know you carry at least the minimum liability insurance required for all drivers.
The SR-22 form is filed through your insurance company and passed along to The Wisconsin Department of Transportation (WisDOT) to prove you comply with the Wisconsin insurance laws.
Who needs SR-22 insurance in Wisconsin?
An SR-22 certificate in WI is only necessary if you are convicted of a major traffic violation or are mandated to have it by a court.
The Wisconsin Department of Transportation will notify you if you are required to carry SR22 insurance. Wisconsin typically requires an SR-22 insurance filing or proof of insurance when a driver must reinstate their suspended license.
However, some other scenarios may require SR-22 forms.
In Wisconsin, you could be asked to carry SR22 insurance if one or more of the following instances applies to you:
OWI conviction
Driving under the age of 18 without a sponsor
Need an occupational license
Driving without auto insurance
High-risk driving history
Multiple traffic violations
Reckless driving conviction
How long must you carry SR-22 insurance in Wisconsin?
On average, the Wisconsin Department of Motor Vehicles requires SR-22s to be carried and maintained for at least three years. More severe convictions, like being caught driving while under the influence of drugs or alcohol, can result in you having to maintain the SR22 for longer than average.
Whatever the situation is with you, your filing period will begin when your license can be reinstated or a date decided by a court.
Staying on top of your car insurance premiums is essential, as doing so keeps your SR22 certificate active in WI.
Suppose you cancel your auto insurance policy or let your coverage lapse. In that case, your insurance company must notify the Wisconsin Department of Transportation or WisDOT.
Letting your policy lapse can result in a drivers license suspension. You will also have to go through the SR-22 filing process again, including paying any fees associated with the form.
Letting your car insurance lapse runs the risk of being dropped by your vehicle insurance provider, and finding new coverage can be challenging.
How much does SR-22 insurance in Wisconsin cost?
In Wisconsin, drivers pay around $1,500 annually for SR-22 insurance. These averages stem from typical car insurance rates following an OWI conviction, one of the most common reasons for an SR-22 filing requirement.
What an insurance company quotes, you can easily be above or below this average auto insurance cost.
The cost of SR-22 insurance in WI depends a lot on the circumstances surrounding your conviction and what insurance company you are with. It would be best if you also remember that SR-22 filings come with a fee.
Your insurance provider can charge anywhere from $15 to $50 to file an SR22 electronically. The filing fee is all on top of the fines and costs the state of Wisconsin requires after driving violations.
Non-owner SR-22 insurance in Wisconsin
Having to file an SR-22 form is necessary when it comes to getting your driver’s license reinstated following receiving a traffic violation. Even if you do not own the vehicle you were driving when the incident occurred, you must file an non-owners SR-22 certificate.
If you don’t own a car but still have an SR22 insurance requirement to fulfill, you will need non-owner SR-22 insurance.
A non-owner insurance policy provides you with the appropriate liability coverage mandated for drivers in Wisconsin and completes your SR-22 financial responsibility.
The state of Wisconsin wants to ensure that you are insured and can cover damages and injuries in some capacity should you end up causing a car accident.
Non-owner car insurance is also one of the market’s most affordable car insurance policies.
To qualify for this type of policy in WI, you cannot have regular access to a vehicle. This type of policy is ideal for people who frequently rent or borrow cars. Everyone who gets behind the wheel of a vehicle needs to have insurance.
A non-owner car insurance policy can help you get the appropriate coverage while fulfilling your SR-22 responsibility.
Tips for How to Get the Cheapest Car Insurance in Wisconsin
Quote Comparison: your one-stop shop at Insurance Navy
At Insurance Navy, we work with a network of leading insurance companies. We find you the best coverage at the lowest possible price for your auto policy.
Don’t Let Your Policy Lapse
Letting your insurance lapse is a common mistake, especially for individuals who may not be able to drive for a while (due to a medical condition, injury, or a vehicle needing repairs).
Policy lapses might raise red flags with insurance companies and disrupt the long history of safe driving practices you’ve established.
Consider Uninsured Motorist Protection
According to research published by the Insurance Information Institute, 13.3% percent of all Wisconsin drivers do not have auto insurance.