Wisconsin Car Insurance

Auto Insurance Quotes in Wisconsin

Throughout its history, Wisconsin has been a leader when it comes to transportation. In 1918, it became the first state to establish a numbered highway system, and in 1958, it was the first state to complete construction of its primary Interstate routes. It's no wonder the Wisconsin state motto is "Forward." But in order for you to keep moving forward, a well-rounded car insurance policy is essential, offering the peace of mind that you’re protected no matter where the road takes you. GEICO offers flexible, affordable coverage tailored to the needs of policyholders in The Badger State. With GEICO, getting your free quote is easy—you can complete the process either online or by phone in just a few minutes by providing some basic personal details.

Required Wisconsin Auto Insurance Coverage

Driving in Wisconsin without car insurance is illegal. Wisconsin's minimum insurance coverage requirements are:

* Note : Medical payments coverage can be rejected in writing.

Is Wisconsin a No-Fault State for Auto Insurance?

Wisconsin is not a no-fault state for car insurance; it follows a traditional at-fault system. That means if you’re in an accident, the driver who’s found responsible is also financially liable for the damages, including injuries and property damage. Drivers in Wisconsin are required to carry liability coverage to help cover these costs, but unlike in no-fault states, your own insurance typically won’t pay for your medical expenses unless you’ve chosen optional coverages like medical payments.

Optional Car Insurance Coverage in Wisconsin

Because Wisconsin is an at-fault state, many drivers choose to add coverages like the following to ensure they’re adequately protected:

Save Money with Wisconsin Auto Insurance Discounts

GEICO provides a variety of car insurance discounts* and rewards programs that can help Wisconsin drivers lower their premiums, including:

• Multi-Vehicle Discount – Insuring more than one vehicle with GEICO can reduce your Wisconsin auto insurance premium.
• Good Driver Discount – WI drivers who maintain a clean driving record may be rewarded with lower rates.
• Good Student Discount – Full-time students who maintain a “B” average or better can qualify for savings.
• Vehicle Equipment Discount – Vehicles equipped with certain features may earn policyholders additional savings.
• Multi-Policy Discount – Bundle your auto coverage with another GEICO policy to save more.
• Pay in Full Discount – Pay your policy premium in full at the start for a discount.
• Paperless Discount – Pay your premium and get important information online instead of in the mail to save.
• Homeownership Discount – Earn a discount on auto insurance just for being a homeowner.
• DriveEasy* Program – Participate in the DriveEasy program through the GEICO Mobile app and get rewarded for safe driving habits.
• Early Shopper – Earn a discount based on days between quote initiation and policy effective date
• Internet Discount – Get a quote online and you can potentially earn this discount

Factors That Affect Your Wisconsin Car Insurance Rates

The cost of car insurance in Wisconsin depends on several factors:

• The age and type of vehicle you drive
• How you use your vehicle
• How often you drive
• Your deductibles and coverage limits
• Applicable discounts and savings opportunities

Wisconsin Graduated Licensing Program for Teen Drivers

The two levels of the Wisconsin Graduated Licensing Program are the Learner's Permit (or Instruction Permit) and the Probationary Driver's License.

Learner's Permit

The minimum age to apply for a Learner's Permit in Wisconsin is 15 years and six months. Applicants must be enrolled in or have completed a driver's education course. They must also have an adult sponsor who accepts liability for any and all driving actions of the minor. Adult sponsors can be a parent or legal guardian, or if one is not available, a grandparent, aunt or uncle, sibling over 18, spouse over 18, or foster parent. Applicants will be required to pass a sign and knowledge test and a vision screening prior to being issued a permit.

Permit holders may only drive while accompanied in the front seat by a driving instructor, parent, legal guardian, or spouse over age 19 who has at least two years of driving experience, or a licensed driver age 21 or older who has written authorization from a parent or legal guardian. If driving at night, the accompanying adult must be at least 25 years old with two years of driving experience.

Probationary Driver's License

Wisconsin residents under age 18 are eligible to obtain a probationary license if they are at least 16 years old, have passed a driver's education course, have held a permit for at least six months, and have completed the required 30 hours of driving practice, 10 of which must be at night. The applicant will be required to pass a driving skills test before being issued their probationary license.

While probationary licensees are allowed to drive unsupervised, they are only allowed one passenger other than immediate family or a qualified adult driver. They are not allowed to drive between midnight and 5:00 AM unless they are traveling between home and school or work or accompanied by a parent, guardian, driving instructor or other licensed driver age 21 or older. These passenger and driving hour restrictions apply until the driver turns 18. The probationary license expires two years from the applicant's next birthday.

Wisconsin Registration Information

New to Wisconsin? Register your vehicle.

You will need proof that you own the vehicle.

• The vehicle title or registration card from your previous state of residence is acceptable proof.
• If you submit your registration card as proof of ownership, Wisconsin law still requires a title fee. If you later submit a title to DMV, a Wisconsin title will be issued at no additional charge.
• If you have owned your vehicle for less than 90 days, you will need to bring proof of sales tax paid to your former state of residence.

You will need to verify the identification number.

• You will need to verify the identification number on the vehicle against the identification number shown on the title or certificate of registration when filling out the Wisconsin application for title and registration.

You must complete the MV1 application.

• You may submit the MV1 application, along with the title or registration card and appropriate fees, by mail or at any DMV service center.
• If you submit your title when you apply for Wisconsin license plates, you will be issued a Wisconsin title.
• If you submit only a registration card with your application, you will be issued Wisconsin license plates and a registration card, which will allow you to operate the vehicle legally, but the registration card is not good for selling the vehicle.