Car Insurance in Brookfield, WI

Vehicle owners in Brookfield need car insurance. A good auto insurance policy can shield you from large financial losses whether you find yourself in a fender-bender in a parking lot, get rear-ended at a red light on W Burleigh Road, cause a multi-car collision on Interstate 94, or anything in between.

Finding an ideal car insurance policy is easy when you work with an independent agent. These agents can gather customized quotes from multiple insurers to help you find the policy that offers the coverage you want at the lowest price. Find an independent insurance agent near you to get started.

How Much Does Car Insurance Cost in Brookfield, WI?

Brookfield residents who are looking for an affordable auto policy will be happy to learn that the average cost of car insurance in Wisconsin is much lower than the national average.

• National average annual car insurance cost: $1,311
• Wisconsin's average annual car insurance cost: $930

Your actual car insurance costs may be significantly higher or lower than the Wisconsin state average. This is because insurance companies calculate costs according to factors like:  

• Your vehicle's make, model, year, trim, condition, and value
• Your age, gender, occupation, marital status, and driving record
• Information about any other licensed drivers in your household
• Whether you own or rent your home
• The amount and types of coverage you want to purchase
• The auto theft and collision rate in the vicinity of your home
• The size of your deductible

Comparing rates from a few competing insurance companies lets you choose the policy that offers the coverage you want at the best price. This has the potential to save you hundreds of dollars a year. Independent insurance agents make comparison shopping easy.

Are There Any Car Insurance Discount Opportunities in Brookfield, WI?

The easiest way to enjoy savings on your car insurance premiums is by bundling your auto coverage with another policy like homeowners insurance or renters insurance.

Other potential money-saving incentives you may discover while shopping around for the best policy include:

• Multi-vehicle discounts
• Safe driver discounts
• Military discounts
• Good student discounts
• Discounts for having a vehicle with certain safety features

A good insurance agent will ensure that you receive any offered car insurance discounts for which you qualify.

Is Car Insurance Required in Brookfield, WI?

All vehicle owners in Brookfield are required by Wisconsin law to carry a car insurance policy that meets or exceeds the state's minimum coverage requirements. This means that your policy must include:

• Auto liability insurance: This covers injuries and property damage you may cause to others if you are at fault for a collision. Your policy must provide at least:
  • $25,000 in bodily injury liability insurance per person
  • $50,000 in bodily injury liability insurance per accident
  • $10,000  in property damage liability insurance per accident
• Uninsured motorist insurance (UM): This covers the treatment of injuries sustained by you and your passengers if you are in a collision caused by an uninsured driver. Your policy must provide at least:
  • $25,000 in UM bodily injury insurance per person
  • $50,000 in UM bodily injury insurance per accident
  • UM property damage is not available in Wisconsin. Instead, you can get coverage through collision insurance if you have included it in your policy.

Serious collisions can get very expensive. That is why many Brookfield residents purchase more liability coverage than the state requires. By supplementing your auto insurance with umbrella insurance, you can boost your liability coverage well beyond your car insurance policy limits.

Some drivers in Brookfield also need to include physical damage coverage in their car insurance policies. This is typically required by dealerships if you are leasing your car and by lenders if you are financing it. Physical damage coverage includes:

• Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

Once you own your car outright, collision and comprehensive coverage are optional.

What Else Does Car Insurance Cover in Brookfield, WI?

In addition to the coverage mentioned above, car insurance companies offer several coverage options. These typically include:

• Underinsured motorist insurance (UIM): This is similar to uninsured motorist coverage but is not required by the state. It provides coverage for you and your passengers if you are injured in a collision caused by a driver who lacks sufficient liability insurance. If you opt to purchase this coverage, you must buy at least:
  • $50,000 in UIM bodily injury insurance per person
  • $100,000 in UIM bodily injury insurance per accident
• Medical payments insurance: This can supplement your health insurance to help cover the cost of medical treatments for you and your passengers if you are injured in a collision, regardless of fault. It covers things your health insurance does not, like copays and deductibles.
• Towing and roadside assistance insurance: This covers the cost of assistance if your vehicle breaks down and you need to call a professional for help.
• Glass replacement insurance: This pays to replace the safety glass in your windshield, windows, and sunroof if it is cracked, shattered, or otherwise damaged.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled, and you owe more for it than it is worth.
• Rental car reimbursement insurance: This can cover the cost of renting a vehicle while having your own car repaired for damage sustained in a covered event.

A local independent agent can review all of your coverage options with you so you can determine which, if any, are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Brookfield, Wisconsin?

Driving without insurance is illegal in Wisconsin. If caught doing so, you can face penalties that include:

• A fine of $10 for failing to show proof of insurance
• A fine of up to $510 for driving an uninsured vehicle
• The suspension of your driver's license until you provide proof of insurance
• If you are involved in an accident while uninsured, your vehicle registration can also be suspended
• Reinstatement fees of $60 to restore your driver's license and $50 to restore your vehicle registration if it was suspended
• The requirement to maintain an SR-22 with the state for three years
• Higher car insurance rates

Providing false insurance information to law enforcement is a more serious offense and can result in an additional fine of $5,000.

Despite these consequences, many people in this state are driving around in uninsured vehicles.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Wisconsin drivers who are uninsured: 14.3%

The uninsured motorist coverage included in your auto policy ensures that if you are in a collision caused by an uninsured driver, you will have the coverage you need for any injuries you and your passengers sustained. You can get compensation for property damage through collision insurance or by suing the at-fault driver.

What Is the Auto Theft Rate in Brookfield, WI?

The auto theft rate in Wisconsin is lower than the national average, and in Brookfield, the rate is even lower. This does not mean the risk does not exist. Residents of this city report around 20 auto thefts a year.

• National auto theft rate per 1,000 people: 2.29
• Wisconsin auto theft rate per 1,000 people: 1.49
• Brookfield auto theft rate per 1,000 people: 0.39

Although the chance that your car will be stolen is low in this city, you should know that your car insurance company can only compensate you for auto theft if your policy includes comprehensive ("other than collision") insurance.

If you are leasing or financing your car, you probably have comprehensive coverage already. If not, you may want to ask how much it would cost to add it to your car insurance policy so you can decide if it is of good value for you.

What Are the Best Car Insurance Companies in Brookfield, WI?

Attributes that make certain insurance companies stand out above the others include responsive customer service, reliable coverage, rapid claims processing, and reasonable costs.

Independent insurance agents in Brookfield have developed partnerships with some of the best car insurance companies in Wisconsin. These agents can help you review policies and quotes from these top-rated providers so you can be sure you are getting great coverage at a competitive price.

Why Work with an Independent Insurance Agent in Brookfield, Wisconsin?

Independent agents in Brookfield are available to offer guidance and advice when you are looking for the right auto insurance policy. These agents can answer your coverage-related questions and provide you with a selection of customized car insurance quotes that you can compare and review together.

When you are ready to begin your search for the best and most competitively priced car insurance policy in Brookfield, arrange an obligation-free consultation with an independent insurance agent near you.