Wisconsin
Auto Insurance Coverages
With so many companies offering auto insurance in Wisconsin, how do you choose the car insurance that's right for you? Regardless of where you live in Wisconsin, Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products for Wisconsin drivers. As your auto insurance needs change, your local Allstate agent will take the time to help you make the right choices. If you have a teen driver, there are many other considerations your local Allstate agent can also help you with. Refer to the WI Graduated Driver Licensing chart below for more information.
For more information on this state, visit the Wisconsin State Information or Wisconsin State Catastrophe page.
Wisconsin Auto Insurance Coverage Scale
Allstate can help you decide how much auto insurance coverage is right for you. Each state, including Wisconsin, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about Wisconsin's required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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Not required*
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100,000/300,000
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Property Damage Liability
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Not required*
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100,000
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Uninsured Motorist Bodily Injury
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25,000/50,000*
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100,000/300,000
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Medical Payments
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Not required*
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5,000
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Collision
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Not required*
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500 deductible
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Comprehensive
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Not required*
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0 deductible
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Underinsured Motorist Bodily Injury
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Not required*
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100,000/300,000
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Wisconsin Graduated Driver Licensing
If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.
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Insurance Institute for Highway Safety Rating
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Good
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Minimum Entry Age
(Optimal: 16)
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15 years, 6 mo
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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Minimum Exit Age
(Optimal: 18)
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16 years, 9 mo.
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Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Illinois, Minnesota, Iowa, Michigan
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Wisconsin. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.