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Coverage and service as welcoming as Wisconsin

Wisconsin has more than 115,000 miles of public roadways, offering plenty of room to roam. If you're one of the 2 million licensed drivers in the Badger State, USAA offers a combination of coverages and service to help keep you on the road. Whether you're eating your way through America's Dairyland or angling for freshwater adventures, USAA can be there for you.

The average cost of car insurance in Wisconsin

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record play a part in how much you'll pay.

See note$123 See noteper month

The average monthly cost for all USAA auto policies issued in Wisconsin in 2023.See note1

Wisconsin coverage requirements and minimums

As of Jan. 1, 2024, Wisconsin law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $10,000 property damage liability coverage

    This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

  • Uninsured motorist bodily injury (UMBI) coverage

    You can't reject uninsured motorist coverage. It's required, and your limit can't be more than your bodily injury coverage. Underinsured motorist coverage isn't required and can be rejected. It's limits need to match your uninsured limits if they're at least $50,000 per person or $100,000 per accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Reasons to choose USAA Auto Insurance in Wisconsin

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note4 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)