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On average, Wisconsin drivers pay just $930 a year for their car insurance. This is significantly lower than the national average cost of $1,311 per year and makes Wisconsin one of the least expensive states for buying automotive coverage.
As a vehicle owner in Wisconsin, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help you by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price.
If you are involved in a collision, here are a few of the ways that your Wisconsin auto insurance can help.
You can also opt to include other optional coverage with your car insurance policy gap insurance, roadside assistance and towing insurance, and rental car reimbursement coverage. Talk to your local insurance agent to learn more.
Wisconsin is an at-fault, or tort state. This means that the driver who caused the accident is responsible for covering the cost of damage and medical care.
If you are caught driving without insurance in Wisconsin, you can face of fine of $500 and have your driving privileges suspended until you submit proof of insurance by filing an SR-22. Also, you will need to pay a $60 fee to reinstate your driver’s license.
If you are in an accident while uninsured, you can face the same fine as above but your driving privileges and vehicle registration can be suspended for up to three years. In addition to the $60 license reinstatement fee, you will also have to pay a $50 fee to reinstate your vehicle registration.
Despite these penalties, an estimated 14.3% of vehicle owners in Wisconsin are driving while uninsured.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This mandatory coverage can pay for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured, though you are only required to purchase bodily-injury coverage.
Once your insurance company reimburses you for your losses, it will take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver and will absorb the costs if unsuccessful.
When it comes to car insurance, there is no single company that can be considered best for everyone.
The policy that may work best for someone with a lot of moving violations on his record might not be the ideal choice for someone with a long, safe driving history. Likewise, an elderly couple may find the best rates with one company while a middle-aged couple with teen drivers in the household may find a competing company to be the better choice.
This is why independent insurance agents do not limit their search to one company. They can obtain customized quotes from a variety of reliable insurers to help you find the policy that works best for your particular situation.
Yes! There are currently 366 independent insurance agencies in Wisconsin who are ready to help.
These experienced agents are free to work with several different insurance providers to help you find the best rate for auto coverage. That way, you can buy a policy that meets all your coverage needs at a price you can afford.
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
|City||Commute time (min)||Auto theft rate / 1,000||Annual insurance cost|
|Fond du Lac||17.3||1.10||$1,137|