Auto Insurance in Wisconsin

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Wisconsin Auto Insurance

Understanding auto insurance requirements and rates in Wisconsin matters when you want to obey the laws and get proper insurance. That's even more important when you're looking for quality but cheap auto insurance in Wisconsin. You have to make sure you know and follow the Wisconsin driving laws, in order to get the best possible insurance rates.

Car Insurance Requirements in Wisconsin

Wisconsin minimum auto insurance requirements include liability coverage, and uninsured/underinsured motorists coverage. According to Wisconsin car insurance laws, the liability requirements are:

  • $25,000 worth of bodily injury or death coverage per person
  • $50,000 worth of bodily injury or death coverage per accident
  • $10,000 worth of property damage coverage

The uninsured/underinsured motorists coverage has to match the liability insurance amounts. Of course, Wisconsin drivers can also choose to have other coverage, such as collision and comprehensive, in order to protect themselves more fully.

Is Wisconsin a No-Fault State?

Wisconsin is a fault state that works on a tort system. Someone will be ruled to be at fault in an auto accident, and that driver has to compensate the other parties to that accident for their property damage and/or injuries.

 

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Car Insurance Prices in Wisconsin

In Wisconsin, the car insurance prices range from $742 to $2,070. That difference in price is based on several factors, including whether the driver has opted for full coverage or only the state minimums. The average insurance rate in the state for an annual premium is $1,406. Teen drivers can expect to pay the highest rates, which will often be more than $2,000 per year even without full coverage. Middle aged drivers pay lower rates, and those rates rise again as drivers most into their senior years.

 

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Car insurance for 16 - 18 year olds in Wisconsin is not overly affordable, but there are options. Families with teen drivers should look around for discount programs and shop insurance companies in order to find the lowest and best rates for a teenager.</qa> 

<qa>2;Car Insurance for Students (18 - 24 year olds) in Wisconsin;In college, an 18-year-old driver will still be paying the higher, teen rates. By the time they are graduating at 22, though, they will see their rates start to come down and be closer to what a typical adult driver would pay.</qa> 

<qa>3;Car Insurance for 24+ Year Olds in Wisconsin;At 24, drivers are considered adults and their rates will drop again. These rates will be significantly lower than what they were paying as a teenager, but might not yet be as lower as a person in their 30s or 40s.</qa> 

<qa>4;Car Insurance for 55 (and Over) in Wisconsin;Car insurance premiums are lowest when a driver is 55. As they continue to age their rates will start rising again. However, they shouldn't see those rates go back up to where they were in the driver's teenage years.</qa> 

<qa>5;Car Insurance for Veterans in Wisconsin;Veterans in Wisconsin may see lower rates on their car insurance due to discounts. Talking with their agent and company can help them determine if shopping around for discounts will be necessary.</qa> 

 

AgeMost Popular VehicleGenderMost Common City
18 - 24ChevroletMale - 52% | Female - 48%Milwaukee
25 - 54ChevroletMale - 45% | Female - 55%Milwaukee
55 - 64ChevroletMale - 42% | Female - 58%Milwaukee
65 +ChevroletMale - 44% | Female - 56%Milwaukee

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

Good drivers don't have tickets, and they rarely get into an accident. Because they have good driving records and are careful behind the wheel, they are rewarded with lower rates from their insurance companies. That's good news for any good driver, because they can save some money.

Auto Insurance for Bad Drivers

When someone has a bad driving record, their rates will be higher. They pose an increased risk to the insurance company, which raises their rates to compensate for that. Their driving record could have a DUI on it, or it might include tickets and accidents. Avoiding these problems can help drivers bring their car insurance rates down.
 

Traffic Violations and Fines in Wisconsin

Speeding Ticket Cost in Wisconsin

Speeding ticket fines are handled by each county, so they aren't the same across the state. But most drivers who get one can expect it to cost them several hundred dollars in fines. There may also be points added to their license, although traffic school can often help them avoid that. For those convicted of reckless driving in Wisconsin, extra points on their license and a larger fine should be expected.

Driving While High Laws in Wisconsin

It's illegal to drive while high in Wisconsin, according to the state's DUI laws. These laws apply to marijuana and other drugs, along with alcohol.

Driving Without Car Insurance in Wisconsin

Drivers are required to have car insurance with state minimum coverage limits. For drivers who don't, there are fines and even jail time, along with suspension issues. A driver who is a repeat offender could also face harsher penalties than someone who was caught driving without insurance for the first time.

Texting and Driving in Wisconsin

Distracted driving is not just about texting. Pets, passengers, eating while driving, and other cell phone use while driving are all problematic. They may not all be illegal, but they all have the opportunity to contribute to an accident.

 

<twitter>When you're on a public road, livestock have the right of way.</twitter>

 

Wisconsin Car Accidents

There were over 129,000 car accidents in Wisconsin in 2016. More than 97,000 of them led to property damage, and 43,669 people are injured. Nearly 600 people died as a result of these crashes, according to car accident statistics.

Reasons for Car Accidents in Wisconsin

Drunk driving, speeding, and problems in construction zones caused the most accidents in Wisconsin. People typically caused crashes in more urban areas, as opposed to rural locations. Drivers striking other cars or fixed objects were both problems in the state.

Car Accident Statistics by Vehicle Type in Wisconsin

The majority of car accidents were caused by passenger cars on city streets. Trucks and SUVs also contributed to accidents, but in lower numbers. Motorcycles were not a factor in most traffic crashes, but when they were involved there were generally higher levels of injury or a bigger risk of fatalities.

Car Accidents in Wisconsin - More Facts

On average, a car accident happens in Wisconsin every few minutes, and nearly two people die on the state's roads every day. Distracted drivers, speeding, drinking, and failure to pay attention to road work are the main culprits for their accidents.
 

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Wisconsin

  • You can't camp in a wagon on a public highway. You'll have to choose a campground or other location, instead.
  • Parking on the street in Milwaukee? Make sure you're not there more than two hours unless you want to tie a horse to your car.

 

Looking for Auto insurance in Wisconsin? Compare Between Relevant Insurance Quotes And Save Money Using Pretected’s "Smart Match":

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<resources>https://www.insurance.com/auto-insurance.aspx;https://www.dmv.org/wi-wisconsin/car-insurance.php;https://www.wisconsinlawyer.com/car-accident-lawyers/wisconsin-accident-statistics/;http://www.palmenfiat.com/blog/weird-driving-laws-in-wisconsin/</resources>