Wisconsin Auto Insurance
Friendly people in forward-thinking cities. Nature lovers in beautiful outdoor areas. And a statewide appreciation for beer, cheese, and ice fishing. These are just some of the things that make living in Wisconsin great. But the weather can take its toll on the roads as well as the people who move around on them, and auto accidents are all too common. So it's essential that all drivers in Wisconsin remain protected from the unanticipated expenses which may arise from vehicle damage
Auto insurance rates in Wisconsin can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.
Required Auto Insurance in Wisconsin
Like almost everywhere else in the country, Wisconsin requires drivers to obtain liability coverage to protect other drivers from expenses that may crop up due to an accident. In other words, if another person is hurt by a collision that you caused, your liability insurance will cover the costs of his or her medical bills up to the limits as outlined in your policy. The same principle applies if you damage someone else's vehicle or property in an accident. In addition, all Wisconsin drivers must maintain uninsured and underinsured motorist coverage. The statutes mandate that the minimum limits be set at a high level so that drivers aren't left with medical bills they are unable to pay because of a crash involving an uninsured or underinsured driver.
State Minimum Liability Coverage in Wisconsin:
- BI or Bodily Injury: $25,000 per person, $50,000 per accident
- PD or Property Damage: $10,000 per accident
State Minimum Uninsured Motorist Coverage in Wisconsin:
- $100,000 per person, per accident for bodily injury.
- $300,000 per accident for bodily injury.
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Wisconsin to Consider
People who live in Wisconsin know that a light jacket isn't always enough to keep you warm in the wintertime. Similarly, a "light" amount of auto insurance coverage may be insufficient to protect you from having to pay some accident-related costs out of your own pocket. To this end, insurers in the state offer multiple types of optional coverages which can provide a thicker layer of protection against this undesirable outcome.
Below are some examples you may want to consider:
- Collision Coverage - Even the most skilled driver can get caught off guard by adverse weather conditions. And if you slide off an icy, snowy, or wet road and hit a tree or other heavy object, your car could sustains thousands of dollars in damages. Collision coverage will pay out whatever is needed to get your vehicle back to its pre-crash condition (within policy limits). This policy also takes care of auto repair bills stemming from auto accidents for which you are responsible.
- Comprehensive Coverage - If all you have is a liability policy, and a tree falls onto your car during a snowstorm, you have to pay to get your vehicle fixed out of your own pocket. And if your vehicle is stolen, you have to come up with the cash for another one. But if you purchase comprehensive coverage, your insurance company will foot the bill for repairing or replacing your vehicle in these situations.
- Higher Bodily Injury Limits - Sadly, not all auto accidents are minor fender benders from which everyone walks away unscathed. Sometimes, people get hurt badly and require expensive medical attention. If you cause a crash and a victim's medical bills exceed your bodily injury limits, you may have to pay the difference out of your own pocket. That's why many Wisconsin drivers choose to boost their maximum bodily injury limits in their liability auto policies.
- Higher Property Damage Limits - It's also a good idea to reflect on whether the minimum property damage limits on your liability policy are sufficient. After all, $25,000 is about the price of a new mid-sized sedan that your insurance would be responsible for if you totaled such a vehicle in an accident. And if you are held liable for a multi-vehicle accident on a freeway - well, you may be paying some of those costs out of your bank account if your property damage limits are inadequate.
It's true that Wisconsin requires drivers to maintain stronger auto insurance coverage than many states. But many residents still choose to invest in one or more of these optional policies in order to protect themselves from potential financial ruin in the event of a serious event. If you want to know how you can get that protection for your family, contact an AIS agent today.
Wisconsin Auto Insurance Discounts
Even though you have to purchase auto insurance, there's no law that says you have to pay a bundle for it! To this end, there are plenty of discounts available for Wisconsin drivers, and these discounts can often result in hundreds of dollars of savings annually.
Examples of discounts include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
There's a lot to love about living in Wisconsin. But if you don't have the proper auto insurance, you won't be able to drive to all corners of the state to enjoy the adventures Wisconsin offers. To obtain coverage that's ideal for your needs, turn to Auto Insurance Specialists. The people of AIS have been pairing drivers with affordable auto insurance policies for more than four decades - and they can do the same for you as well! Check them out today and make sure you are protected with the right Wisconsin auto insurance policies.
Start a Wisconsin Insurance Quote Today: (888) 772-4247