Wisconsin Car Insurance
Wisconsin is known for its thousands of streams, having over 7,500 streams and rivers in the state. There are enough rivers and streams, in length, to circle the globe at the equator. Being a larger state, people are surprised to know that it is not one of the most populous. Travel by automobile is common, with some people stating that it is necessary. Wisconsin is considered the dairy capital of the country and is home to many families.
Auto Insurance Requirements In Wisconsin
Bodily injury liability coverage, property damage liability coverage, and UIM coverage are required for drivers to operate a motor vehicle on the roads. Specialty vehicles may need specific types of insurance policies to be driven on roads in the state. If you are using a car for business purposes, additional research may be necessary.
Bodily injury insurance in the amounts of $25,000 per person and $50,000 per accident are mandated by law, as well as property damage insurance in the amount of $10,000 per accident. Also, uninsured motorist bodily injury coverage in the amounts of $25,000 per person and $50,000 per accident is also mandated. Many people choose to get more insurance than these minimum limits to further protect themselves in case an accident occurs. Other types of insurance are also available to cover your own medical expenses and/or property if they are damaged in a crash.
Average Cost of Coverage In Wisconsin
Congratulations. You have selected the state where auto insurance premiums are over 25% less than the national average overall. With rates being just over $1,000 per year on average, Wisconsin is a great place to stay protected financially while on the road. Each person’s individual driving record and other unique information, such as gender, age, and marital status, can also affect rates. No matter your situation, finding cheap car insurance can be easier to do for many people in the state. Getting the best prices for car insurance in Wisconsin starts with researching the top companies.
Cheapest Car Insurance Companies In Wisconsin
Depending on your demographic, the cheapest place for you to find automobile insurance might be different than your neighbor. For drivers in the state, American Family Insurance and State Farm insurance are among the most affordable providers. Drivers with accidents will find that these two companies are also best for them. West Bend also comes up as a lower expense company in some situations. Geico and Progressive are also great companies to consider, having lower than average rates within the state.
Cheapest Car Insurance In Wisconsin By City
Find the lowest rates for car insurance, on average, in the cities of Sheboygan, Janesville, and Plymouth. Green Bay is also on the lower end of the car insurance costs spectrum in the state. Your rates may be higher than these averages or lower, depending on your driving record, credit history, gender, and the type of vehicle you drive.
Most Expensive Car Insurance In Wisconsin By City
By far the most expensive city in the state to get a car insurance plan for is the city of Milwaukee. Average automobile insurance plans cost over $2,000 in the city. Well below Milwaukee, the next most expensive cities for insurance can be found. These include cities like Glendale, Superior, and West Allis. Even though these cities are on the more expensive end of the spectrum, each neighborhood within the cities has different risk factors, and therefore different average prices.
Laws, Rules, And Penalties In Wisconsin
People who want to avoid fines, fees, driver’s license suspension, and potential imprisonment, will maintain a valid auto insurance policy when driving in the state. Penalties can be between $250 and $1,500, and it is possible to lose driving privileges by violating car insurance laws. Fines, fees, and penalties are lower on average for a first offense, with second and subsequent offenses having more harsh penalties overall.
How To Save Money On Car Insurance In Wisconsin
Having the right tools is vital in order to save money on car insurance. This website makes it easy to comparison shop for car insurance and finds the best prices for auto insurance plans available. Double-check that the information you are submitting is accurate, so that you know you are getting all of the discounts available that you qualify for.
Saving money using automobile insurance also means getting the best types of policies to fit your needs. For some people, collision insurance coverage makes a lot of sense. Also, keep in mind that if you are leasing or financing a vehicle, there may be requirements in the terms of your lease or loan to get insurance beyond the minimum amounts required by the state.