How to Get Cheap Car Insurance in Wisconsin?
Wisconsin state is popular for its history with roads, highways, and transportation development. On the other hand, the state is also popular for too many car crashes, injuries, and deaths due to road accidents. The average cost of car insurance in Wisconsin state is lower as compared to some other states of the country.
Our team of experts has curated a list that includes the most popular auto insurance companies in WI where the drivers can get affordable rates for their policy:
Which are the Best Car Insurance Companies in WI?
If you are someone that prefers best instead of cheap then you are not alone. There are car insurance companies that provide the best policies while there are companies that provide the cheapest policies. And then there are some auto insurance carriers that deal with both types of policies. If you want to buy the best policy as per your requirements and profile then RateForce have the data for you.
Below is the list of all the top car insurance companies that provide the best policies for every driver in Wisconsin:
How to Get Best Car Insurance Coverage in Wisconsin?
Minimum Car Insurance Requirements in Wisconsin
The term minimum car insurance requirements is different for each and every driver of all the states of our country. To drive any vehicle on the roads the driver needs to have car insurance as per the laws of that state. Yes, every state has different limitations for minimum car insurance requirements. For Wisconsin as well, below is the detailed minimum car insurance that each driver has to buy as per the Wisconsin car insurance laws for mandatory requirements:
- Bodily Injury Liability (BIL) Coverage:
BIL is the first and most important coverage that comes under minimum coverage requirements. If a driver is at-fault in an accident then all the medical bills of the victim(s) will be covered by his or her insurance company. If there were other passengers in the victim’s vehicle then also the at-fault driver will pay the hospital bills of every injury. Here are the limits of bodily injury liability coverage in Wisconsin state:
$25,000 per person; if there is one victim in the accident. It can be another driver or pedestrian.
$50,000 per accident; if there were more than one victim involved in the accident.
- Property Damage Liability (PDL) Coverage:
If you are at fault in an accident and the private property of another person is harmed then you will be responsible for the repair cost. Let’s say you have collided with the fencing, wall, or gate of another person’s house, office, or shop. Then your insurance company will pay for the damages that you have caused.
If we talk about Wisconsin then the cost of property damage liability is $10,000 which is not much high as compared to cities like Illinois.
- Uninsured/Underinsured motorist coverage:
This coverage type is beneficial in case you get into an accident where another driver who is at fault does not have enough coverage to pay for all your bills.
The limit for Uninsured and Underinsured Motorist Coverage is $25,000 per person and $50,000 per accident.
Cheap Minimum Liability Car Insurance Companies in Wisconsin
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Wisconsin:
- GEICO: $60 per month
- StateFarm: $81 per month
- Nationwide: $93 per month
- Progressive: $102 per month
- Allstate: $122 per month
Cheap Basic Full Insurance Coverage in Wisconsin
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in WI. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Travelers: $104 per month
- Nationwide: $120 per month
- Progressive: $149 per month
- GEICO: $177 per month
- StateFarm: $196 per month
Cheap Premium Full Insurance Coverage in Wisconsin
Here is the list of top auto insurance carriers that provide the cheapest full coverage in WI. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Travelers: $148 per month
- Nationwide: $161 per month
- Progressive: $192 per month
- GEICO: $210 per month
- StateFarm: $239 per month
Additional Auto Insurance Coverage in Wisconsin
The mandatory insurance coverage for all drivers is included in the minimum requirement coverage. However, there are some insurance coverages that are not required but are still necessary to save money. The top seven types of insurance coverages that every driver should think about are as follows:
- Collision Coverage:
Collision insurance covers your vehicle in the event that it collides with another object, living or non-living. If your car collides with a tree, fence, building, or pedestrian, for example. Your insurance company will cover all car repair costs in such cases.
- Comprehensive Coverage:
If your car is ever involved in a natural or man-made disaster, your insurance company will help you. Thunderstorms, fires, floods, and even vandalism are all possibilities. In the event of a disaster, you will be fully covered for all necessary car repairs.
- Roadside Assistance:
What will you do if your car breaks down while travelling on a highway or a deserted road? You can contact your insurance company, and they will send help right away. The insurance company will cover all costs associated with towing and repairing the vehicle.
- Medical/Funeral Services:
This type of insurance is necessary for medical services such as summoning an ambulance or transporting a deceased person. Furthermore, the company will pay for the driver’s funeral and will cover all expenses.
- Loan/Lease Payoff:
When your car is totaled in an accident, this type of insurance coverage is essential. If you still owe money on a loan or lease, your insurance company will assist you in repaying it. The pending loan or lease amount will be paid by the company.
- Rental Car Reimbursement:
This is an optional type that is not overly costly and can cost hundreds of dollars. You can rent another car while your car is being repaired. And the insurance company will cover all of the costs of renting a car.
- Personal Injury Protection (PIP):
This type of coverage is necessary to support you in paying all medical bills for your injuries. Despite the fact that who was at fault in that accident your insurance company will cover your medical bills. This also includes lost wages and household replacement services till the time you are in bed.
Cheap Car Insurance Quotes in Wisconsin on Ticket Profile
Have you ever wondered how does your car insurance company decides the cost of your insurance policy? Have you ever noticed how some drivers get lower insurance rates and others get higher? The simple answer to these questions is; ticket profiles.
Every insurance company considers different factors to calculate the cost of car insurance for each driver. These factors can be the age of the driver, the car model, car type, experience of the driver, etc. Now there are different ticket profiles that help companies to categorize drivers. And these drivers get the highest or lowest insurance rates. Let’s have a look at the top ticket profiles one by one:
Cheap Car Insurance for Speeding Drivers in Wisconsin
Almost nine thousand people died in road accidents due to speeding vehicles in the year 2019. The drivers in this category are potentially risky for everyone. And hence car insurance companies provide high insurance rates to these drivers. The cost can vary based on the number of speeding tickets as well. Below is the list of some car insurance companies you can try in Wisconsin to get affordable rates for your policy:
Cheap Wisconsin Car Insurance Rates for Drivers with an At-Fault Accident
In the year 2021; more than 8500 people died in our country in road accidents. All the car insurance companies consider drivers with at-fault accident history as risky drivers and hence they provide higher rates. There are some companies that even deny insuring these drivers. The option for accident forgiveness is available but the results are not guaranteed as only a few insurance companies provide this option.
Here is the list of all the auto insurance companies in Wisconsin that provides affordable car insurance for drivers with at-fault history:
Cheapest Car Insurance for Drivers with a DUI in Wisconsin
Do you know in Wisconsin from 2009 to 2018 more than 1900 people were killed in accidents that involve alcohol-impaired driving? Drivers with DUI convictions are considered as risky drivers as they can harm other drivers and pedestrians as well. Drivers that are caught driving under the influence of alcohol, drugs, or other substances can affect the brain and decision-making capability of the driver. This affects the driving skills and hence puts everyone in danger. This is the reason that drivers with DUI get high insurance rates.
Here are some companies that provide affordable car insurance to DUI drivers:
(*USAA only available to current and former military members and their families.)
Cheap Car Insurance for Young Drivers in WI
Did you know over 200 people lost their lives in road accidents that involved distracted young drivers? The lack of experience and lack of skills makes young and teen drivers risky. This is the reason that the drivers in this category get the highest insurance rates when compared to other ticket profiles. If you are facing trouble finding affordable car insurance for young or teen drivers then here are some companies you can consider:
Best Auto Insurance for Good Drivers in WI
Maintaining a clean driving record can be rewarding to the drivers in long term. All the drivers that have zero DUIs, less or no speeding tickets, or no at-fault accidents get lower auto insurance quotes as compared to the drivers of other ticket profiles. The drivers in this category can combine the lower rates with different discount types and can reduce the cost of their policy to a great extent.
Our team of experts has created a list of all the top companies of Wisconsin that provides affordable rates for the good driver:
(*USAA only available to current and former military members and their families.)
(*USAA only available to current and former military members and their families.)
Cheapest Coverage for Drivers with Poor Credit in Wisconsin
Considering the credit score of a driver is not allowed by the government but still, insurance companies consider credit scores indirectly as a factor to calculate the cost, even some companies deny policy also. Drivers of this profile are considered less reliable and less financially responsible. Hence they get the highest rates. If you are also trying to find affordable car insurance rates then here are some companies that you can consider:
Which Car Insurance Discounts are available in Wisconsin?
The easiest way to get affordable car insurance in Wisconsin is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Wisconsin State
We all have heard about SR-22 car insurance. But only a few of us are aware of the process and the real cost of SR-22 insurance. What exactly is SR-22 insurance? SR-22 stands for Safety Responsibility-22 insurance which is mandatory for a driver that has a suspended license. The reason behind the suspension of the license can be anything like more than one speeding ticket, more than one DUIs even driving without the proof of car insurance.
The process of applying for SR-22 is neither that expensive nor much complex but the cost of buying SR-22 insurance is expensive. The driver who is applying for SR-22 insurance is considered as riskiest and as a result, he or she will get the highest car insurance cost. Our team of expert analysts has created a list that includes the name of all the top car insurance companies that provides affordable cost for SR-22 insurance in Wisconsin:
|Average Annual Rate
|Annual Average Premium with SR-22 and DUI
Best Cities for Cheap Car Insurance in Wisconsin
The location of the driver is one of the major elements that affect the cost of car insurance. The state where the driver lives, the city, and even the area where the vehicle is parked decide the amount you will have to pay to buy your car insurance policy. Your auto insurance company will consider things like road conditions, crime rates, and the income level of people living in that area. The final quotation will be generated by your car insurance company after considering all these above-mentioned factors.
We have curated a list of some popular cities of Wisconsin along with the average rates of car insurance. This list is to help you understand how much the location of the driver affects the car insurance rates:
|Avg. Annual Premium
FAQs About Car Insurance In Wisconsin
What is the average cost of car insurance in Wisconsin?
The car insurance cost in Wisconsin is lower as compared to other states and even the national average rates. The average car insurance cost in Wisconsin is $1049 per year and $89 per month which is approximately 27 percent less than the national average rates. In states like Michigan, the car insurance cost is approximately 43 percent higher than the national average cost.
Where to get affordable auto insurance quotes Wisconsin?
The car insurance cost varies a lot from driver to driver and company to company because there are a lot of factors that are considered to calculate the cost. Here is the list of some popular car insurance companies in Wisconsin that provides cheap rates for every driver:
- Erie – $292 per year
- American Family – $361 per year
- State Farm – $467 per year
- Progressive – $451 per year
Is PIP mandatory in Wisconsin?
No, Personal injury protection is not mandatory in Wisconsin. Even PIP is not even available in Wisconsin state. The companies in the Wisconsin state provide MedPay insurance instead. In states like Minnesota PIP is mandatory for every driver.
Does insurance follow the car or the driver in Wisconsin?
Car insurance follows the car in Wisconsin and not the driver. If your friend is driving your car and it gets damaged still the insurance will be applicable for the damages.
What happens if you don’t have car insurance in Wisconsin?
Driving without insurance is a crime in every state of our country. In Wisconsin state, the fine of operating any vehicle without insurance is up to $500.
Do I need proof of insurance to register a car in Wisconsin?
Proof of insurance is not required at the time of registration in Wisconsin. But it is required after the registration at the time when you will start using the car around the state.
How much is the grace period to buy car insurance for a new car in Wisconsin?
In Wisconsin, the grace period of driving a new car without insurance is 60 days. After the grace period driver will have to pay late fees and can get punishment.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.