Wisconsin Car Insurance
Wisconsin Car Insurance Rates
Wisconsin drivers enjoy almost the lowest average car insurance premiums in the nation (with car insurance rates averaging almost 40% lower than the national average) and just recently were required to carry car insurance.
Mandatory car insurance laws only came in effect on June 1st of 2010 for vehicles registered in Wisconsin and minimum car insurance requirements are much greater than almost every other state.
Wisconsin Car Insurance Laws
Starting June 1st, 2010 all vehicles registered in Wisconsin must carry liability car insurance. While there are some exceptions all typical private passenger vehicles require proof of insurance before registration. There are also heavy penalties for driving with no insurance so you must maintain car insurance in-force at all times. The new Wisconsin liability car insurance requirements are:
- $50,000 liability insurance per person per accident
- $100,000 liability insurance per accident (all persons)
- $15,000 property damage liability
Underinsured and Underinsured Motorist Coverage
- $100,000 liability insurance per person per accident
- $300,000 liability insurance per accident (all persons)
While these car insurance requirements are surely some of the highest minimum mandatory requirements in America its also important to know that Wisconsin car insurance laws only require liability insurance for injuries/damages sustained to others (with the exception of UM and UIM insurance). This means any damages to your vehicle from an accident you were at-fault will not be covered so you should consider also purchasing comprehensive and collision coverage. Many other types of auto insurance are available including GAP, rental car reimbursement and more so regardless if you have ever had car insurance in the past now is a good time to speak with a Wisconsin car insurance company in order to comply with state law and secure the protection you need.
Wisconsin Car Insurance Companies
As you can image with such new state laws requiring Wisconsin drivers to obtain car insurance a wealth of auto insurers are competing for your business. With over 150 car insurance companies licensed in Wisconsin you would not be wrong. Finding affordable car insurance is pretty easy but you still need to make sure you have the right type of coverage before its time to file a claim. Start with our car insurance guide here and learn about the types of coverage, how policy deductibles work and many common questions to assist in your car insurance comparison search.
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