Questions about auto insurance are common whether you are a new driver or you have been driving for many years. The Community Insurance Information Center will help answer your car insurance questions clearly, and we will explain insurance terms in everyday language. We are committed to educating consumers about the insurance policies and coverages they buy.  

Find Lower Rates for Automobile Insurance

If you live in Wisconsin, you already pay some of the lowest rates in the country for car insurance, evidence of Wisconsin’s healthy and competitive marketplace for car insurance. That means reasonably priced, high value policies are available for every type of driver. If you feel you are paying too much for auto insurance, shop around. Chances are, you’ll find a company and agent able to meet your insurance needs.

Is Car Insurance Required in Wisconsin? Click me

What is SR-22? Click me

How to Find a Good Agent  Click me

Nine Tips for Finding Lower Auto Insurance Rates  Click me


Is Car Insurance Required in Wisconsin?

Automobile insurance is mandatory in Wisconsin.

If you are stopped by law enforcement personnel because of a moving traffic violation or an accident, you will be asked to show proof of automobile insurance. Failure to comply with the new regulations may result in a fine of up to $500. The fine for providing fraudulent proof of insurance is $5,000.


What is SR-22?

If your Wisconsin driver’s license has been revoked by the Wisconsin Department of Transportation (WisDOT) you will need an SR-22 Insurance Certificate before WisDOT will reinstate your driver’s license. The SR-22 Insurance Certificate is proof that you have obtained and paid for liability insurance coverage. Once you are eligible to have your license reinstated, WisDOT will require this proof of insurance document for three years.

How to get an SR-22 Insurance Certificate
Tell your Wisconsin automobile insurance agent or company that you need an SR-22 Insurance Certificate. Your agent or company will file the necessary proof of insurance documents with WisDOT after you have paid the insurance premium. For more information on licensing requirements in Wisconsin, reinstating a license and proof of insurance requirements in Wisconsin, go to the Wisconsin Department of Transportation website.


How to Find a Good Agent

A good insurance agent adds value to your insurance policy and may save you money in the long run. Ask friends, relatives and neighbors for agent and company recommendations.

Insurance agents fall into two broad categories; independent agents and direct-writing agents. Independent agents represent many different insurance companies and direct-writing agents write business for only a single company. Contact BOTH types of agents when you are shopping for coverage and value. To confirm whether a company is licensed to write business in Wisconsin, contact the Wisconsin Office of the Commissioner of Insurance.


Nine Tips for Finding Lower Auto Insurance Rates

  1. Shop Around.   Prices vary from company to company. Get at least three price quotes by calling local insurance agents and checking on the Internet.
  2. Compare Insurance Costs Before You Buy a Car Insurance.  Costs are based on the value of the car you are insuring, the cost of repairing your vehicle, its safety record and the likelihood of theft. To help you decide what car to buy, check current reports provided by the Insurance Institute for Highway Safety.
  3. Increase Your Deductible.  Deductibles are the amount you pay before your insurance policy kicks in. By increasing your deductible from say $200 to $500, you could substantially lower your auto insurance premium.
  4. Drop Coverage on Older Cars.  Do you know how much your car is worth? A good rule of thumb is if your car is worth less than ten times the annual premium, it may be cost effective to drop the collision and/or comprehensive coverages from your policy. Check used car valuation guides such as Kelley’s Blue Book or others, and review your coverage at renewal time with your insurance agent.
  5. Combine Auto Insurance with Property Insurance.  Many insurance companies provide a discount for carrying two or more policies with them. Consider combining your auto policy and your home or renters insurance with the same company.
  6. Maintain Good Credit Record.  Insurance companies are increasingly using credit information to price auto insurance policies. Protect your credit standing by paying bills on time and keeping your credit balances low. Check your credit record on a regular basis and have errors corrected promptly.
  7. Avoid Duplicate Coverage.  If you belong to a road service club, you may not need towing coverage on your auto policy.
  8. Low Mileage Discounts.  If your annual mileage is less than the average driver, you may qualify for a low mileage discount. Drivers who car pool may also qualify for a discount.
  9. Ask About Other Discounts.  Accident-free drivers, good students and long time policyholders are often rewarded with discounts by their insurance companies. Ask your agent about available discounts.


Community Insurance Information Center