Insurance
Car Insurance in Wisconsin
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Wisconsin is one of the cheaper states to insure a car. Drivers paid about $753 a year on average in 2023, the 6th lowest in the country.
But Wisconsin roads come with a risk that's easy to overlook: more than 17,000 crashes with deer in 2024. Whether your policy pays for one of those depends on a coverage you might be tempted to drop.
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What Wisconsin requires
- Liability: $25,000 for injury or death of one person, $50,000 for two or more people, and $10,000 for property damage.
- Uninsured motorist: $25,000 per person and $50,000 per crash, for bodily injury.
Two more coverages must be offered to you, but you can turn them down:
| Coverage | If you buy it | What it does |
|---|---|---|
| Underinsured motorist (UIM) | At least $50,000 per person / $100,000 per crash | Pays the gap when the at-fault driver's limits are lower than yours |
| Medical payments | At least $1,000 | Pays medical or funeral costs for you and your passengers, often what health insurance leaves behind |
About 15.6% of Wisconsin drivers were uninsured in 2023, the 16th highest rate. That's why the required uninsured motorist coverage matters, and why UIM is worth pricing.
Deer crashes: the coverage that pays
| Wisconsin deer crashes, 2024 | |
|---|---|
| Crashes involving deer | More than 17,000 |
| People killed | 9 |
| People injured | 707 |
| Busiest months | October and November (more than a third of crashes) |
The counties with the most deer crashes were Waukesha (937), Washington (798), St. Croix (791), Dane (770), and Sheboygan (763). Across the state, someone was killed or injured in a deer crash about every 12 hours.
Which coverage pays? Hitting an animal is usually covered by comprehensive, not collision. If you drop comprehensive on an older car to save money, a deer crash may come out of your pocket. Swerving to miss a deer and hitting a tree or another car is usually a collision claim.
In fall: slow down at dawn and dusk, and watch for more than one deer when you see one.
Fault and your claim
Wisconsin uses comparative negligence. You can collect from the other driver only if your share of the blame isn't greater than theirs, and your award shrinks by your percentage of fault.
- You're 30% at fault: you can collect 70% of your damages.
- You're 60% at fault: you can't collect from the other driver.
Rules that protect you, and one that doesn't
- New policies can be canceled in the first 60 days without a reason. After that, cancellation is limited to things like non-payment or fraud.
- There's no grace period. If your payment isn't in by the due date, the policy can end.
- Credit: Wisconsin's insurance regulator says credit shouldn't be the only reason an insurer refuses, cancels, or doesn't renew your policy.
- Driving out of state? Your Wisconsin policy is read to meet the minimum limits of the state you're driving in.
Car insurance in Milwaukee
Milwaukee drivers follow the same state rules. City traffic and theft can mean higher prices than in rural Wisconsin. Compare several quotes with the same coverage, and keep comprehensive if you park on the street.
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Own a home in Wisconsin? See Wisconsin homeowners insurance. Want to know what comprehensive covers? See what comprehensive car insurance covers.
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Sources
- NAIC auto insurance data (2023) and IRC affordability index, via Insurance Information Institute
- Wisconsin Office of the Commissioner of Insurance, Frequently asked questions: automobile insurance
- Wisconsin Department of Transportation, Deer crashes in Wisconsin (2024 fact sheet)
- Insurance Information Institute, Uninsured motorists (IRC 2023 data)