Wisconsin Insurance Agencies by County

How to Lower Your Car Insurance in Wisconsin (And How Insurance Companies Score You)

Looking to reduce car insurance costs in Wisconsin? Whether you’re commuting in Milwaukee or Madison, driving rural highways, or navigating winter snow and ice, understanding how insurers determine rates can help you save.

How Car Insurance Companies in Wisconsin Score You

• Driving history – Accidents, tickets, DUIs, and claims impact premiums.
• Insurance score – Credit-based insurance scoring is commonly used.
• Location – Rates vary by county based on traffic density and claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – More miles driven can raise premiums.
• Coverage choices – Higher limits and full coverage cost more; higher deductibles can lower premiums.

10 Ways to Lower Your Car Insurance in Wisconsin

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all available discounts.
7. Consider liability-only coverage on older vehicles.
8. Choose vehicles with strong safety ratings and lower repair costs.
9. Avoid coverage lapses.
10. Re-shop policies every 6–12 months.

Wisconsin Minimum Auto Insurance Requirements

Wisconsin generally requires at least 25/50/10 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage per accident, plus uninsured motorist coverage.

Snow, Ice, and Deer Collisions

Wisconsin drivers frequently deal with harsh winters and deer collisions. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, storm damage, and animal impacts.

Use the county selector above to explore local insurance agencies in your area and compare options side-by-side.