Wisconsin offers moderate car insurance rates reflecting its balanced mix of urban and rural areas. The state uses a fault-based liability insurance system with required minimum coverages and supports optional medical and uninsured motorist coverage.
Wisconsin Auto Insurance Facts
Drivers
- ~4.5–4.7 million licensed drivers as of 2023.
- ~91% household vehicle ownership.
- High use of passenger cars, SUVs, and pickups.
- Uninsured motorist rate around 11%.
- Public transit available mainly in Milwaukee and Madison.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~22,000
| ~6,200
| 340
|
| 2019
| ~22,500
| ~6,400
| 355
|
| 2020
| ~20,500
| ~5,900
| 320
|
| 2021
| ~21,000
| ~6,100
| 330
|
| 2022
| ~21,300
| ~6,150
| 335
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at vehicle registration.
