Buy Cheap Wisconsin Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident
Underinsured Motorist
$50,000 limit per person / $100,000 limit per accident, may be rejected in writing
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Wisconsin Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is not a ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers with a Learner or Intermediate License cannot use a cell phone at all while driving.
Texting Ban:
Yes
Text messaging is banned for all drivers in Wisconsin.
DUI Laws
Buy Cheap Wisconsin Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.17, 0.20 and 0.25
There are increased penalties for drivers with a BAC of 0.17, 0.20 and 0.25 or above.
1st offense Suspension:
6 months
Administrative license suspension on the 1st offense: In Wisconsin, law enforcers can confiscate a first-time offender's driver's license for 6 months if he or she exceeds the legal limit. Limited driving privileges, such as to and from work, are permitted.
Ignition Interlocks:
Mandatory for offenders with BAC .15 or higher and repeat offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Wisconsin made ignition interlocks mandatory for all offenders with a BAC of .15 or above and repeat offenders.
Repeat Offenders:
Yes
Minimum penalties for repeat offenders include suspension of driving privileges for at least one year, impoundment or immobilization of offender's vehicles, or the installation of ignition interlocks to all vehicles owned by the offender, mandatory alcohol assessment and treatment, and imprisonment or community service for a second-time offender. Third-time and further offenders can see longer imprisonment or community service sentences.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, or other receptacle containing any alcohol that has been opened, the seal broken, or with partial contents removed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers, including the glove compartment. These containers may be carried in the trunk or in an area of the vehicle not normally occupied by drivers or passengers.
Graduated Drivers License
Buy Cheap Wisconsin Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 15 years and six months of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 30 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16
Night Driving Restriction: Midnight-5am
Passenger Restriction: No more than 1 passenger
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of midnight and 5am and cannot drive with more than one passenger.
Full Privilege Age:
Age: 16.75
(Full driver's license): At the age of 16 and nine months, Wisconsin drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
65
MPH
SPEED LIMIT
65 MPH
Page Source: ghsa.org
Buy Cheap Wisconsin Auto Insurance in 2024
Department of Insurance
Website: www.oci.wi.gov/
Address: 125 South Webster Street, Madison, Wisconsin 53703-3474
Phone: 608-266-3585 or 800-236-8517
Call Center Hours: Monday - Friday 7:45 a.m. - 4:30 p.m. (except for legal holidays)
Buy Cheap Wisconsin Auto Insurance in 2024
DMV Information
Website: www.dot.state.wi.us/drivers/index.htm
Phone: 414-266-1000 or 608-261-2583 or 608-264-7133
Call Center Hours:
7:45 a.m. to 4:30 p.m. Monday through Friday.