Wisconsin used to be the only state without mandatory auto insurance laws however in 2010, the state began requiring all drivers to have auto insurance which meets certain minimum requirements. All drivers are now required to possess an auto insurance policy with at least $50,000/$100,000 in liability insurance, $15,000 in property damage coverage and at least $100,000/$300,000 in uninsured/underinsured motorist coverage. These requirements are some of the highest in nation and are sufficient for most liability in a car accident. The only downfall is that the state only requires liability insurance so its imperative to consider some form of collision and/or comprehensive coverage if you want you and your vehicle covered in an accident where you were at-fault.

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How much is Auto Insurance in Wisconsin?

Wisconsin’s car insurance rates are some of the lowest in the nation with drivers averaging $1,010 annually for auto insurance. Good drivers typically pay less while high risk drivers can often pay up to 50% or higher than average auto insurance premium. Although a relatively small state Wisconsin still has a long list of licensed auto insurance companies making for a very competitive auto insurance market for drivers of all profiles.

Wisconsin Auto Insurance Discounts

Aside from choosing your provider carefully, one of the best ways to save money on your car insurance premium is to qualify for different discounts. There are many car insurance discounts offered in the state, though not all discounts are offered by all providers. Therefore, it’s a good idea to know a provider’s policy on discounts and what discounts are offered before you purchase an auto insurance policy. Also, if you plan on making yourself eligible for certain discounts or if you find that you can qualify for them, make sure you alert your provider to this. You cannot just expect a provider to know when you qualify. In fact, sometimes, even when a provider does know this, the company will wait for you to come to them and ask for your discount, so it’s always best to speak up.

How much auto insurance should you buy in Wisconsin?

Wisconsin minimum auto insurance requirements are sufficient for most car accidents but many drivers still opt for expanded liability insurance with coverage exceeding $100,000. A critical thing to remember is that Wisconsin does not require you to carry comprehensive and/or collision insurance although if you want coverage for any injures sustained or damages to your vehicle in an accident where you were at-fault you will need some form of coverage outside of liability insurance. Liability insurance only provides coverage for damages/injuries to other people and while having $50,000 in coverage may make it seem like you have enough coverage its not the amount of coverage you have that’s important – but the type of insurance. Most Wisconsin drivers purchase a policy with some combination of collision, comprehensive and liability auto insurance.

Who has Affordable Auto Insurance in Wisconsin?

Do you mean the cheapest auto insurance rates or the best coverage at the most affordable rates? Before shopping for auto insurance it’s important to understand what the word affordable means. Drivers who focus solely on premiums to find the cheapest car insurance quotes will often find themselves uninsured or under-insured in a car accident. Drivers who spend time comparing policy details, company reviews and types of coverage will always find the better deal in terms of overall coverage. Affordable auto insurance means finding coverage you can count on from a provider you can trust with premiums that are affordable – not simply choosing the cheapest auto insurance rates.

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