Wisconsin Auto Insurance

Posted by Harry Wagner

Are you on a mission to find affordable Wisconsin car insurance? If you are tired of paying higher rates each and every time your policy renewals, now is the time to take action. By entering your zip code in the field above and submitting your personal information, you can retrieve auto insurance quotes from the top insurers in just minutes. In the past, shopping for insurance was a time consuming task. With advanced rate comparison tools, you do not have to leave your home, pick up the phone, or visit multiple sites just to find the cheapest auto insurance in WI.

Auto Insurance Requirements and Laws in Wisconsin

All motorists are required to carry auto insurance in the state of Wisconsin. State officials mandate the required coverage, and will verify if drivers are insured on a random basis through the Department of Motor Vehicles. According to the Insurance Research Council, out of the 4 million drivers reported in the Badger State, 15% of these drivers are uninsured. To combat this problem, the state has buckled down on requirements and penalties for individuals who are caught driving without insurance.

You must carry proof of insurance with you at all times in WI. If you are caught driving without insurance, you will be ordered to pay a $500 fine for the first offense. Any subsequent offenses can lead to fines of $1000. You may also face license suspension and vehicle impoundment.

It is obviously much easier and much more inexpensive to carry auto insurance. Not only will you have protection on the road, you can also avoid paying reinstate fees, administrative fees, towing fees, and fines. In the state of Wisconsin, you are required to carry the following coverage limits and options:

  • Bodily Injury: $50,000 per person, $100,000 per accident
  • Property Damage: $15,000 per accident
  • Bodily Injury: $100,000 per person, $300,000 per accident

While these are the minimum requirements, you should always consider purchasing higher limits and additional cover. The Badger State has a tort system and this means that parties do have the right to sue you when you cause an accident. Protect your assets with sufficient liability limits.

Tips on Finding Cheap Car Insurance in WI

One of the most effective ways to find affordable coverage is to shop the rates of several different insurers. Here are some additional tips that may help you save money:

  • Rate extra vehicles as low mileage
  • Complete state-approved driver training or mature driving courses
  • Install an anti-theft device and advise your agent if you have full coverage
  • Let your agent know of prior licensing for additional experience credits

Perform your rate comparison today by using the tool above. Once you enter your information, you can customize your Wisconsin auto insurance quotes and select various limits. Compare the prices, research the companies, and choose an insurer that provides quality coverage, convenient contact options, excellent claims service, several discounts, and competitive auto insurance premiums.