Wisconsin Auto Insurance

Wisconsin driving laws designate it as what is called a tort state. For Wisconsin motorists, this means that if they cause an accident they must pay for all expenses related to it, including personal injury and property damages. In addition to basic liability coverage, Wisconsin also requires uninsured motorist bodily injury protection.

Wisconsin Auto Insurance Coverage Requirements

Wisconsin auto insurance liability minimums are currently set at 25/50/10. In case of an accident, the at-fault driver’s liability coverage pays $25,000 per person injured, up to $50,000 for all who are injured, and $10,000 for any property damages.

The minimums set for uninsured motorist bodily injury protection are 25/50. When a driver strikes you without insurance, this coverage pays $25,000 per person injured and $50,000 for all injuries. Wisconsin auto insurance providers also offer collision, comprehensive and underinsured motorist coverage.

Wisconsin Auto Insurance Rates

Wisconsin auto insurance is relatively inexpensive when compared to the rest of the country. In fact, Wisconsin ranked 44th in the country for amount of money spent on car insurance in a recent survey, with an average of $620.15 per driver. Wisconsin motorists paid an average of $325.47 for liability coverage, $227.88 for collision coverage, and $140.10 for comprehensive coverage.

Wisconsin auto insurance providers determine premium rates by using mathematical formulas. They first determine their cost to do business in the state of Wisconsin, including all legal fees and settlement costs. The insurance companies then create categories of drivers and attach values to these classes of drivers. Every driver is placed in a category depending on information like age, sex, marital status, location, car type, and driving record.

Wisconsin Auto Insurance Companies

Not all insurance companies figure rates the same way. For this reason, Wisconsin auto insurance rates can be cheaper from company to company. To get the best rates available, get multiple quotes on your car insurance before making the purchase.

Additional Resource and Information

For more information on Wisconsin auto insurance, contact the Wisconsin Office of the Commissioner of Insurance

Wisconsin Office of the Commissioner of Insurance
125 South Webster Street
Madison, Wisconsin 53702
Phone: (608) 266-3585, Madison

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For other Wisconsin Insurance Resources, See:

• Wisconsin Health Insurance
• Wisconsin Home Insurance

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