Cheap Wisconsin car insurance

We’d all like to save more money on necessary bills, so drivers are often looking for cheap car insurance in Wisconsin. Prices can vary based on multiple factors, but understanding the average costs can serve as a good reference. With Dairyland® auto insurance, you can choose from 6-month and 12-month policy terms. And for your down payment, you can pay as little as one month’s premium.

• Average cost of minimum legal coverage in the state: $427 per year*

• Average cost of “full coverage” in the state: $1,078 per year*

You need to carry at least the minimum amounts of bodily injury liability, property damage liability, and uninsured and underinsured motorist bodily injury coverages to drive legally in Wisconsin.

Bodily injury liability can help cover costs related to injuries or death that you cause while driving your car. In Wisconsin, drivers must have at least:

• $25,000 per person

• $50,000 per accident

Property damage liability coverage can help pay for damage you cause to someone else's property while driving. The state minimum requirement is:

• $10,000 per accident

Wisconsin requires uninsured motorist bodily injury coverage to help protect you if you're involved in an accident with an uninsured driver. The minimum limits are:

• $25,000 per person

• $50,000 per accident

Insurers in Wisconsin are also required to offer underinsured motorist bodily injury coverage and medical payments coverage, but you can reject them in writing.

If you’ve gotten an OWI, been caught driving without insurance, or had your license suspended or revoked for any reason, you may be required to file an SR22 form before you purchase insurance. It’s not insurance in itself, but it’s a necessary step to getting back on the road.

We know that setbacks happen, and we’re happy to help and make the process as smooth as possible. We offer SR22 filing at no additional cost. And we send SR22 filings to the state every night after midnight, which helps ensure timely processing.

Taking advantage of discounts can help you lower premiums—and you could qualify for more than you realize. Here are the car insurance discounts we offer Wisconsin drivers like you:

• Multi-car

• Prior insurance/Transfer

• Homeowners

• Paid in full

• Quarterly

• Advanced quote

Insurance isn’t the only thing you need to drive on Wisconsin roads. Explore these resources for Wisconsin drivers.

To get your driver’s license in Wisconsin, you need to:

• Be of legal driving age

• Provide proof of identity, citizenship, and Wisconsin residency

• Pass a driving exam

• Pay required fees

You need to renew your driver’s license every eight years—and pass basic vision and hearing tests.

Find everything you need to know about driving in Wisconsin:

• Wisconsin Motorists' Handbook

• Wisconsin Department of Transportation

• Wisconsin Department of Motor Vehicles

• Wisconsin Office of the Commissioner of Insurance

Ready to take the next step to getting the right car insurance for you in Wisconsin? Reach out to us at Dairyland today. We can help you navigate your options, understand Wisconsin’s state insurance requirements, and build a policy that gives you the protection you need at a price that works for your budget.