Wisconsin Car Insurance Coverage


Meet the Car Insurance for Generation Now.

Wisconsin, you’re always up for doing something different, changing the game, and setting your own rules. Why call it a traffic light when it’s really a stop and go? Why simply say “you” if you can say “yous guys” instead? And why get insurance that doesn’t take how you actually drive into account? Because in a digital age where it’s possible to know exactly how every person drives, it’s possible to also provide insurance for people who drive safely and thoughtfully. At Novo, we want to make the roads safer for us all, offering real time route and safety recommendations, helpful driving tips, and cool rewards. We'll help you navigate state requirements, coverage options, and available discounts.


If you buy the minimum auto insurance coverage required in Wisconsin, you can expect to pay an average annual premium of $405. The average car insurance cost in the Badger State is 38 percent lower than the national average. Deer, elk, raccoons, oh my! Motorists share the roads with an abundance of wildlife. Per state law, Wisconsin protects frightened animals — whenever a person riding, driving, or leading an animal gives a signal of distress to the operator of a motor vehicle (such as raising their hand), the driver must stop the car unless that would cause an injury. Wisconsin drivers always need to be on the alert to avoid collisions with deer and other animals. Wisconsin's top Roadside Attractions include the National Freshwater Fishing Hall of Fame, an extra Easter Island Head (built by a fan of the original), and of course, Milwaukee's famed bronze statue of the Fonz from Happy Days.

Required Wisconsin vehicle insurance coverages:

Each state has its own requirements and limitations when it comes to car insurance coverage. In Wisconsin, it’s mandatory for all drivers to carry liability insurance.

Minimum Wisconsin auto insurance requirements include these liability coverage limits:

  • Bodily injury liability coverage for each person: $25,000.

  • Bodily injury liability coverage for the entire accident: $50,000.

  • Property damage liability coverage for the entire accident: $10,000.

  • Uninsured motorist bodily injury coverage for each person: $25,000.

  • Uninsured motorist bodily injury coverage for the entire accident: $50,000.


Discounts and extras that we offer in Wisconsin

Online Quote Discount

Not only is receiving your quote online easy, but policies that originated from an Internet quote are granted our Online Quote Discount.

Multi‐Car Discount

Sometimes more really is more. And if there is more than one motor vehicle on the policy, a multi-car discount applies.

Paperless Discount

Be an environmental do-gooder while also saving green for your wallet. Instead of receiving paper mailings, you can make the switch to receive all policy documents electronically. A Paperless Discount will be applied when the named insured agrees to receive policy documents electronically — effective on the day the insured confirms his or her paperless preference (whether this is at new business or mid-term in the policy). To be eligible, the insured must provide and maintain a valid internet mailing (email) address.  If the insured requests to receive policy documents by conventional mail, the discount will be removed. To learn about all our discounts (including student discounts, homeowners discounts, paid in full discounts, and more) call our Customer Service Team at 866-862-7757