Wisconsin Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

Car Insurance for Wisconsin Drivers

Wisconsin may be famous for its cheese, but it’s also home to thousands of waterways, rolling hills and beautiful coastlines along Lake Michigan and Lake Superior. There are plenty of reasons to be on the road in Wisconsin, and you want to make sure your car insurance will be there when you need it. That’s where the AARP® Auto Insurance Program from The Hartford1 comes in. The Hartford has been insuring Wisconsin AARP members and their families since 1984. With a reputation for integrity and trust and high customer ratings for claims services, you can count on car insurance from The Hartford to be there when you need it.

If you’re interested in requesting a car insurance quote, or just want to learn more about buying car insurance in the state of Wisconsin, we’re here to help!

Car Insurance Benefits Offered to Wisconsin Drivers

Some of the valuable car insurance benefits offered to Wisconsin drivers by the AARP Auto Insurance Program from The Hartford include:
  • 12-month Rate Protection
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 24/7 Claim Service

Required Car Insurance Coverages in Wisconsin

In Wisconsin, state law requires that drivers carry liability car insurance coverage in the following amounts:2
  • $25,000 for bodily injury, per person per accident
  • $50,000 for bodily injury, total per accident
  • $10,000 for property damage per accident

Wisconsin Uninsured Driver Facts

Approximately 11.7 percent of Wisconsin drivers don’t have car insurance, according to a 2012 Insurance Research Council report. Wisconsin is below the national average of 12.6% of drivers who are without car insurance.3

Wisconsin state law requires drivers to carry uninsured/underinsured motorist car insurance coverage to help with medical bills after an accident caused by an uninsured driver or a driver who does not have adequate car insurance coverage. Your uninsured/underinsured motorist car insurance coverage must have the minimum coverage amounts of:
  • $25,000 per person
  • $50,000 total per accident

Proof of Car Insurance

It’s important to keep a hard copy of your car insurance ID cards and your registration in your vehicle at all times. In Wisconsin, drivers may also furnish electronic proof of car insurance, and The Hartford’s mobile app gives you the flexibility to store your car insurance ID cards on your mobile device so that they are always with you. Visit the App Store™ or Google Play™ for more information.

Additional Car Insurance Coverages Available to Wisconsin Drivers

For added protection, Wisconsin drivers may also be eligible for the following car insurance coverage benefits from The AARP Auto Insurance Program from The Hartford:
  • Comprehensive Collision
  • Roadside Assistance
  • Rental Reimbursement
  • Medical Payments

Beyond Car Insurance: Staying Safe on Wisconsin Roads

As you travel through Wisconsin, there are a number of safe driving laws meant to protect you on Wisconsin’s highways and byways. Here are just a few:4

Wisconsin Seat Belt Laws:

Wisconsin is one of many states that have a primary seat belt law – meaning that law enforcement can ticket you or your passenger for not wearing a seat belt, even if you’re not violating any other traffic laws.

Wisconsin Distracted Driving Laws:

Wisconsin has laws in place to discourage distracted driving:
  • New drivers are not allowed to use hand-held or hands-free cell phones.
  • Texting while driving is banned in the State of Wisconsin.

Wisconsin Teen Driver Laws:

Getting a driver’s license is a rite of passage for all teenagers, and Wisconsin wants to be sure they stay safe in the process! Wisconsin has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.