Wisconsin Auto Insurance Policy Requirements

Q: What is in a basic Wisconsin auto insurance policy?
A: When you consider purchasing an auto insurance policy in Wisconsin, you will encounter these basic types of coverage that can be added to it:

  1. Liability Coverage
    1. Insurance companies look at people and property separately when considering injuries or damage. Therefore liability insurance is separated into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Minimum liability coverage in Wisconsin is:
      1. $25,000 for injury/death to one person.
      2. $50,000 for injury/death to more than one person.
      3. $10,000 for damage to property.
      4. 25/50/10” (Wisconsin’s minimum auto insurance requirement)
    3. Liability minimums are a different amount for leased vehicles.
  2. Collision Coverage is a legal requirement for your Wisconsin auto insurance policy if your vehicle is financed (not completely paid for). It is optional if the vehicle is not financed.
  3. Comprehensive Coverage is only required if your vehicle is financed. Comprehensive is noncompulsory if the vehicle is not financed.
  4. Medical Payments Coverage is a wise addition to your Wisconsin auto insurance policy, but it is not required by state law.
  5. Uninsured (and Underinsured) Motorist Coverage is a mandatory part of your insurance policy in Wisconsin.
  6. Personal Injury Protection (PIP) Coverage is also an optional but recommended kind of coverage for a Wisconsin auto insurance policy.
  7. More Policy Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Wisconsin a No-Fault state?
A: Wisconsin is not a no-fault state.

Q: How can I get a discount on a Wisconsin auto insurance policy?
A: Find out if you may qualify to lower the cost of your policy by reviewing our list of auto insurance discounts.

Q: Where can I find more information about Wisconsin auto insurance?
A: If you would like to further research the ins and outs of automobile insurance for Wisconsin, refer to these online resources:
  1. Wisconsin Insurance Resources
    1. The Wisconsin Department of Motor Vehicles (DMV) provides standard motor vehicle operator services, such as vehicle titling and issuance of driver’s licenses.
    2. The Wisconsin Commissioner of Insurance manages the regulation of the insurance marketplace and makes insurance information available to the public, such as with their online “Consumer’s Guide to Auto Insurance“.
  2. National Insurance Resources

From the Apostle Islands to the Ice Age National Trail, and from the Door Peninsula to the welcoming neighborhoods of Milwaukee, a CLICKinsure agent can help you secure auto insurance coverage in Wisconsin. Full of forests, charming towns, ski resorts, and natural attractions like the Wisconsin Dells, it is no wonder that tourists pack the roads year-round. As your broker, CLICKinsure can gladly assist residents in Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Oshkosh, Eau Claire, Janesville, and anywhere else in America’s Dairyland.