Wisconsin, known for its lakes, forests, and strong communities, offers residents a variety of insurance options to protect their homes, vehicles, health, and pets. Whether you live in Milwaukee, Madison, or smaller towns, having the right insurance coverage in 2025 is crucial. This guide covers the best insurance types available in Wisconsin, including auto, health, home, renters, life, and pet insurance.
Auto Insurance in Wisconsin
Wisconsin law requires drivers to carry auto insurance with the following minimum coverage:
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability | $50,000 per person / $100,000 per accident |
| Property Damage Liability | $25,000 per accident |
| Personal Injury Protection (PIP) | $10,000 minimum medical coverage |
Wisconsin requires Personal Injury Protection (PIP), which covers medical expenses regardless of fault. Adding collision and comprehensive coverage is recommended for extra protection.
Top Auto Insurance Providers in Wisconsin
Rates can vary based on driving history, location, and vehicle type, so it’s wise to compare quotes.
Health Insurance in Wisconsin
Wisconsin residents can purchase health insurance through the federal marketplace at Healthcare.gov, and the state also offers Medicaid and BadgerCare Plus programs for eligible individuals.
Popular Health Insurance Providers
- Anthem Blue Cross Blue Shield of Wisconsin
- Quartz Health Solutions
- UnitedHealthcare
Coverage generally includes doctor visits, hospital stays, prescriptions, and preventive care.
Homeowners Insurance in Wisconsin
Wisconsin homeowners need protection from risks like snowstorms, hail, fire, and theft.
Average Premium and Coverage
- Average annual premium: $1,200 to $1,800
- Covers fire, wind, hail, theft, and liability
- Flood insurance is usually separate and advisable for flood-prone areas
Leading Providers
Review your policy to ensure coverage for severe weather common in Wisconsin.
Renters Insurance in Wisconsin
Renters insurance protects your personal belongings and provides liability coverage for those renting apartments or homes.
| Coverage | Details |
|---|---|
| Personal Property | Protects against theft, fire, and damage |
| Liability Protection | Covers injury claims on your property |
| Additional Living Expenses | Pays for temporary housing if displaced |
Top Renters Insurance Providers
Life Insurance in Wisconsin
Life insurance helps provide financial security for your family in the event of your death.
Types of Life Insurance
- Term Life Insurance: Affordable, fixed coverage period
- Whole Life Insurance: Permanent coverage with cash value
- Final Expense Insurance: Covers funeral and burial costs
Top Providers
Pet Insurance in Wisconsin
Pet insurance can help cover veterinary bills and emergency care.
Leading Providers
Final Words
In 2025, Wisconsin residents have access to a wide array of insurance products designed to protect their health, vehicles, homes, and pets. Understanding the state’s insurance laws, weather risks, and personal needs is key to selecting the best coverage. Comparing quotes and reading policy details carefully will help you find affordable and comprehensive insurance protection for your life in Wisconsin.
