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.
Driving in Wisconsin without car insurance is illegal. Wisconsin's minimum insurance coverage requirements are:
| Coverage Type | Minimum Required Limit |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $10,000 per accident |
| Medical payments* | $1,000 per person |
| Uninsured motorist | $25,000 per person and $50,000 per accident |
* Note : Medical payments coverage can be rejected in writing.
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.
Because Wisconsin is an at-fault state, many drivers choose to add coverages like the following to ensure they’re adequately protected:
| Optional Coverage Type | Description |
|---|---|
| Collision Coverage | Helps pay to repair or replace your car if it’s damaged in an accident, regardless of who’s at fault. |
| Comprehensive Coverage | Covers damage to your car from non-collision events like theft, fire, or hitting a deer. |
| Underinsured Motorist Coverage (UIM) | Pays damages that you, household relatives and passengers in a vehicle we insure are legally entitled to recover because of bodily injury or death caused by an underinsured motorist. |
GEICO provides a variety of car insurance discounts* and rewards programs that can help Wisconsin drivers lower their premiums, including:
The cost of car insurance in Wisconsin depends on several factors:
The two levels of the Wisconsin Graduated Licensing Program are the Learner's Permit (or Instruction Permit) and the Probationary Driver's License.
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.
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.
You will need proof that you own the vehicle.
You will need to verify the identification number.
You must complete the MV1 application.