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Wisconsin Insurance Guide
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Insurance in Wisconsin
Find comprehensive insurance information for Wisconsin (WI) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Midwest region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Wisconsin (WI) |
| Region | Midwest |
| Population | ~5.9M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Wisconsin Department of Insurance |
Health Insurance in Wisconsin
Wisconsin residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Wisconsin
Wisconsin has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Wisconsin
Protect your home with coverage tailored to Wisconsin’s specific risks and requirements.
Life Insurance in Wisconsin
Find life insurance options available to Wisconsin residents to protect your family’s financial future.
How Wisconsin Compares
Understanding how Wisconsin stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Wisconsin | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,012 | $1,935 | -48% (well below average) |
| Health Insurance (monthly) | $489 | $477 | +3% (below average) |
| Home Insurance (annual) | $1,023 | $2,377 | -57% (among the lowest) |
| Uninsured Rate | 5.9% | 9.5% | -38% (better than average) |
Key Insights
- Auto insurance in Wisconsin is significantly cheaper than the national average, ranking #6 lowest in the country.
- Homeowners insurance is among the most affordable in the country at #4.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Wisconsin Office of the Commissioner of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Wisconsin (opens in new tab) - Federal health insurance marketplace for Wisconsin
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Wisconsin address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Wisconsin Office of the Commissioner of Insurance
- Phone
- 608-266-3585
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Wisconsin?
Wisconsin requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
How do I get health insurance in Wisconsin?
Wisconsin uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Wisconsin has not fully expanded Medicaid, but BadgerCare Plus covers adults up to 100% of the federal poverty level.
Does Wisconsin homeowners insurance cover tornado damage?
Yes, standard homeowners insurance covers tornado and wind damage in Wisconsin. Wisconsin experiences tornadoes, particularly in the southern and central regions. Ensure adequate coverage limits and understand your wind/hail deductibles.
Is flood insurance required in Wisconsin?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Wisconsin has flood risk along the Mississippi River, Lake Michigan shoreline, and inland rivers. Flood insurance is recommended in these areas.
What is the average cost of car insurance in Wisconsin?
Wisconsin drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Milwaukee metro area has higher rates than rural Wisconsin.
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[wisconsin] Insurance Types
Compare insurance options available to [wisconsin] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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