How much does passenger car rental insurance cost in Wisconsin? (2026)
Passenger Car Rental insurance pricing in Wisconsin is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Wisconsin. Below: the most-recent Wisconsin filings affecting passenger car rental operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Passenger Car Rental cost guide.
Recent rate-filing activity — 8 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting passenger car rental operations, with the real SERFF tracking number for each.
| Line | State | Overall change | Effective | SERFF tracking |
|---|---|---|---|---|
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-8742 |
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-7705 |
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-7382 |
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-7231 |
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-9586 |
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-5190 |
| WC | WI | -3.20% overall (Manuf -3.39% / Contracting -6.88% / Office +1.35%) | Oct 1, 2025 | WCRB-WI-2025-10-1-LC |
| WC | WI | per $100 payroll (WI administered manual rate) | Oct 1, 2025 | WI-WCRB-2025-10-8748 |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Scope note: the filings tabulated above reflect NCCI class 9586 (Barber/Beauty Services) as an illustrative example of WC filing structure. Passenger-car-rental operators' actual WC classes are NCCI 8385 (Bus Co. — Garage Employees) and NCCI 8392 (Automobile Renting/Leasing) — counter-and-shuttle rental employees typically classify under 8385; full-fleet auto-rental garage operations typically use 8392. Passenger-car-rental + commercial-auto loss costs are jointly bureau-filed (ISO + NCCI); the per-state ranges shown reflect cross-class WC mechanics rather than 8385/8392 rates specifically. Confirm your specific class-code mapping at quote with your underwriter.
National context — Passenger Car Rental insurance overview
Passenger car rental (NAIC 532111) is the only vertical in our /cost cascade with two completely distinct cost models under the same NAIC code: traditional fleet rental (Hertz/Avis/Enterprise + independent operators owning a rental fleet) and peer-to-peer car sharing (Turo, Getaround hosts listing 1-N personal vehicles on platforms). Each has its own underwriting logic, premium range, and structural coverage gap.
Killer differentiator: the 24/7 coverage gap for P2P hosts. Personal auto policies nearly universally EXCLUDE car-sharing usage — the moment your vehicle is listed on Turo/Getaround, personal auto coverage typically voids. Platform-provided coverage (Turo Protection Plans, Getaround) only applies during the trip itself (analog to TNC Period 2/3 for rideshare). Off-trip incidents — storage, maintenance, repositioning between rentals, theft from your driveway between trips — are UNINSURED unless you carry a dedicated host-specific commercial product (Roamly Carshare, Tint via Turo partnership at 3+ vehicles, ABI Period X).
Traditional fleet operators face a different cost picture: per-vehicle Commercial Auto $1,200-$4,500/yr typical (scales with vehicle class + fleet size + claims history per ACRISS + III Transportation), plus General Liability for counter + lot premises, plus Workers Comp under NCCI 8392 (Auto Storage/Parking — Drivers) for shuttle + lot staff. Fleet underwriting is dominated by DOCUMENTED CONTROLS — driver-eligibility rules + ID verification + telematics/GPS + maintenance logs + claims-reporting SLAs.
Every number on this page is sourced from a named external publication (ACRISS, NAIC, Turo, NY DFS, NCCI). Use the calculator below to estimate your range, then get a real quote in 5 minutes from 10+ carriers.
National benchmark figures
Published cost ranges for Passenger Car Rental insurance — useful as a national baseline against which the Wisconsin filings above signal local direction.
Industry-typical market ranges (national)
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Market ranges from published industry sources:
- Traditional fleet Commercial Auto per-vehicle: $1,200-$4,500/year typical, scales steeply with ACRISS vehicle class + fleet size + claims history (ACRISS + III Transportation)
- General Liability (rental counter + lot premises): $1,500-$4,000/year typical for premises + operations exposure (III + NAIC)
- Workers Comp under NCCI 8392 (Automobile Storage Garage or Parking Station — Drivers): typically $2-$5 per $100 of payroll for shuttle + lot staff (NCCI Atlas)
- P2P hosts' off-trip coverage: $50-$200/month per vehicle typical via dedicated platforms (Roamly Carshare, Tint via Turo partnership at 3+ vehicles, ABI Period X)
- P2P platform-provided in-trip coverage: typically $750K liability + collision/comprehensive subject to deductible — Turo Protection Plans require host opt-in EVEN IF host carries commercial auto
- Customer LDW/CDW/SLI waivers (industry primary ancillary revenue line): typically $9-$30/day, governed by state DOI consumer-disclosure rules; NY DFS publishes the canonical consumer-facing distinction (Loss Damage Waiver = broader, includes theft; Collision Damage Waiver = collision only; Supplemental Liability Insurance = third-party liability above state minimum)
State variation: California, New York, and Florida are the most regulated rental markets (state DOI consumer disclosure rules + tort exposure). Most Midwest + Southern states are 20-40% cheaper for equivalent fleet + driver mix.
For Wisconsin-specific direction, see the filed-rate table above.
Industry context — what published research says about Passenger Car Rental coverage
- Two cost models under NAIC 532111: traditional fleet rental (own fleet + rent to consumers, Hertz/Avis/Enterprise + independent rental operators) and peer-to-peer car sharing (Turo, Getaround hosts listing 1-N personal vehicles). Same NAIC, completely different underwriting + premium structure. The right policy is fundamentally different for each path. Turo car-sharing regulations.
- P2P 24/7 off-trip coverage gap = the F5-TNC-Period-1 analog for car-sharing. Personal auto policies nearly universally EXCLUDE car-sharing usage — the moment your vehicle is listed on Turo/Getaround, personal auto typically voids. Platform-provided coverage applies only during an active trip. Off-trip incidents (storage, maintenance, repositioning, theft from driveway between rentals) are UNINSURED unless you carry a dedicated host-specific commercial product. Same structural insurance flaw as rideshare Period 1 — different platform. Turo insurance overview.
- LDW vs CDW vs SLI consumer-facing distinction — Loss Damage Waiver (broader, often includes theft + loss of car), Collision Damage Waiver (collision damage only — narrower), Supplemental Liability Insurance (third-party liability above state minimum). State DOI consumer disclosure rules govern what rental operators must disclose at the counter. NY DFS publishes the canonical consumer-facing distinction. NY DFS Rental CDW FAQ.
- ACRISS standardization of vehicle class codes — used industry-wide for fleet quoting (e.g., ECMR = Economy / 2-4-door / Manual / unspecified fuel). Commercial fleet quotes typically request your full ACRISS-class mix; class-shift at audit can materially reshape premium. ACRISS.
- Fleet underwriting is dominated by DOCUMENTED CONTROLS: driver-eligibility rules (minimum age, MVR thresholds), identity verification, telematics/GPS, maintenance logs, and claims-reporting SLAs. Operators with documented controls earn materially lower premiums than peer operators of equivalent size — controls are scored at quote. III Commercial Insurance Basics.
How to lower your passenger car rental insurance cost
General levers that apply nationally — Wisconsin operators may also have state-specific levers (e.g. non-subscriber WC, multi-jurisdiction permit consolidation).
Get your actual Wisconsin quote in 5 minutes
The data above is regulator-filed direction. Your actual Wisconsin quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
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Sources cited (national context above)
- Coverages and Insurances — ACRISS — Association of Car Rental Industry System Standards, 2024
- Car sharing regulations | US hosts — Turo, 2024
- Insurance + Vehicle Damage Reimbursements for Turo Hosts — Turo, 2024
- FAQ: Collision Damage Waivers + Rental Vehicle Coverage — New York State Department of Financial Services (DFS), 2024
- Transportation Business Insurance — Insurance Information Institute (III), 2024
- NCCI Atlas Class Look-Up — Class 8392 (Auto Storage Garage / Parking Station — Drivers) + Class 8385 (Automobile Service or Repair Center) — National Council on Compensation Insurance (NCCI), 2024