Appleton Car Insurance

Your Complete Guide to Appleton, WI Car Insurance

(Don't pay more than you have to for your auto insurance coverage.)

Appleton Wisconsin car insurance

Getting into an accident isn't anyone's idea of a good time, but with the right car insurance you can get back to normal fast. Wisconsin has distinctively severe weather, especially in the winter. Drivers here understand that accidents happen, even when everyone on the road is doing the right thing. 

An independent insurance agent can help you design a policy that meets your needs while adhering to Wisconsin's auto insurance regulations. Find an insurance agent in Appleton and get started right away. 

How Much Does Car Insurance Cost in Appleton, WI?

You'll pay less on average for car insurance in Wisconsin than in the rest of the country. Shopping around for the right insurance company and policy can save you even more money. 

  • National average annual car insurance cost: $889
  • Wisconsin average annual car insurance cost: $664

Quotes differ from one insurance company to the next because each company has its own formula for calculating premiums. Here are some of the factors that insurance companies consider:

  • The age, value, make, and model of your vehicle
  • Your occupation, marital status, and age
  • Your credit score
  • Your driving record
  • Other licensed drivers in your home
  • Whether you rent or own your home
  • Your deductible amounts
  • The amount of liability insurance you choose
  • Other coverages included with your policy

If you bundle your car insurance with homeowners insurance or renters insurance, you could get a significant discount. You may also get discounts for having a spotless driving record or getting good grades if you are a student. 

A local independent insurance agent can help you compare rates and get the coverage you need at a great price. 

What Does Appleton Car Insurance Cover?

Drivers who live in Appleton can choose from a few optional coverages. There are also requirements for which types and amounts of insurance you must carry in Wisconsin. 

If you have a loan or lease, your lender or dealership may also require that you carry certain amounts and coverage types. 

You'll choose from the following types of coverage:

  • Liability insurance (Required)This policy covers damage you cause to other people and/or their possessions. You must carry these minimum amounts in Wisconsin: 
    • Bodily injury liability coverage of at least $25,000 per person and $50,000 per accident
    • Property damage liability coverage of at least $10,000 per accident.
  • Personal injury protection (PIP) (Optional): This coverage pays for medical expenses if you and your passengers are injured in a covered accident, regardless of who is at fault. 
  • Uninsured motorist insurance (Required): After an accident, this coverage pays for injuries and damage that wouldn't otherwise be covered due to the other driver's lack of insurance.
  • Collision insurance (Partially optional): This coverage pays to replace or repair your vehicle after a covered accident where you hit another object or vehicle with your car. 
  • Comprehensive insurance (Partially optional): This coverage handles replacing or repairing your car if it is stolen, or damaged by vandalism, a severe hail storm, or flooding. 
  • Roadside assistance and towing (Optional): This coverage offers the help you need if you run out of gas, lock your keys in the car, or get a flat tire. 
  • Rental reimbursement coverage (Optional): This coverage pays to rent a car for you after a covered accident while your vehicle is in the shop for repairs. 

Your insurance agent can help you understand how much coverage you need and which types of coverage may benefit you most. 

Are There Penalties for Driving without Insurance in Appleton?

Drivers living in Wisconsin must carry certain types and amounts of insurance. If they don't, they are subject to these penalties: 

  • A civil motor vehicle infraction (CMVI) conviction on your record
  • A fine of up to $500 for not having insurance
  • A fine of up to $10 for failing to have proof of insurance at traffic stop or accident

There are slightly more uninsured drivers in Wisconsin than the national average. 

  • Percentage of US drivers who are uninsured: 13%
  • Percentage of Wisconsin drivers who are uninsured: 14.3%

Uninsured motorist insurance is required in Wisconsin. This coverage can keep you from having to hire lawyers and go through the tough process of getting repairs and medical bills covered by an uninsured driver.

How High Is the Auto Theft Rate in Appleton?

You are statistically less likely to have your car stolen in Wisconsin than you are on average across the country. The rate of auto theft falls dramatically from the national and state averages in Appleton. 

  • National auto theft rate per 1,000 vehicles: 2.37
  • Wisconsin auto theft rate per 1,000 vehicles: 1.72
  • Appleton auto theft rate per 1,000 vehicles: .53

You'll need comprehensive coverage if you want insurance for possible auto theft. Without it, your loss won't be covered by your insurance company. 

Comprehensive coverage also covers non-collision damage caused by thing like flooding, fire, and hail. Talk with your insurance agent to understand how adding comprehensive coverage may change your premiums.

Why Work with an Independent Insurance Agent in Appleton, WI?

An independent insurance agent can help you find the best possible insurance coverage for your vehicle. They can explain the local laws about insurance and help you stay within your budget, too. 

Get in touch with an insurance agent in Appleton today to get started customizing your ideal auto insurance policy. 

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