Madison Car Insurance

Protect yourself through a comprehensive Madison, WI car insurance policy. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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There are some hazardous roadways Madison, WI. These  include E. Washington Avenue and John Nolen Drive, where traffic congestion and hazardous winter weather conditions lead to many accidents. A motor vehicle accident can be financially devastating, but you can protect yourself through a comprehensive Madison, WI car insurance policy.
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Wisconsin Car Insurance Costs:

  • National average annual premium: $1,311
  • Wisconsin average annual premium: $930
  • 46th most expensive premiums in the U.S.

Car insurance can be purchased very inexpensively in this state. Because residents can obtain policies at very low rates, high liability coverage and comprehensive coverage are options that should be strongly considered. The more insurance you have, the better protected your finances will be if you are in an accident.

Many accidents are due to speeding, careless driving or driver distractions and are therefore preventable. However, it is extremely difficult to avoid accidents that are caused by the reckless actions of others or because of hazardous road conditions. With an average of 32.95 inches of precipitation each year, slick roads are not uncommon in Madison.


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Madison Car Insurance Provides Liability Coverage

If you own a car in Wisconsin, you will be required to have liability insurance before the vehicle is taken on the road. Every state has minimum liability coverage requirements and Wisconsin is no exception. Drivers without the required coverage are subject to a fine of up to $500.

These minimums are designed to protect both your finances as well as those of any third party with whom you may be involved in a collision. You will need to be certain that your Madison car insurance policy meets these requirements.

Wisconsin Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: required
  • Minimum liability limits: 25/50/10
  • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $10,000 coverage for property damage.

Although these minimums may seem high, a serious collision, especially one that involves injuries, has the potential to go well beyond the coverage limits of a basic policy. If this happens, you will be responsible for paying the excess costs out of pocket. For this reason, most insurance experts recommend purchasing as much liability protection as you can afford.

Wisconsin Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Wisconsin uninsured motorists: 11.7%
  • Average vehicle repair cost in Wisconsin: $2,490

The number of uninsured drivers in Wisconsin is lower than the national figures, but there is always a chance that you will be involved in an accident caused by a driver without insurance. Since uninsured motorist coverage is required by the state, you can rest assured that damages will be covered if an at-fault driver does not have liability insurance or the money for compensation.

Madison Car Insurance Can Provide Comprehensive Coverage

If you purchased your automobile through financing, your lender likely required you to carry comprehensive coverage for the duration of your loan. Comprehensive coverage goes beyond basic liability coverage. It provides medical coverage for you and your passengers as well as property damage coverage for damages to your vehicle caused by falling objects, weather-related events, fires, vandalism, or theft.


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Number of Thefts in Wisconsin:

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Wisconsin vehicle thefts (per 1,000 registered vehicles): 1.67

Fortunately, the number of cars stolen in this state is well below the national average, and the rate is even lower in Madison. Recently, 251 vehicles were reported stolen in Madison. This equates to only 1.02 vehicle thefts per 1,000 registered vehicles.

Despite these promising numbers, residents should still take appropriate precautions, including locking their vehicles when not in use. In the unlikely event that your car is stolen, a comprehensive Madison car insurance policy will provide reimbursement for your loss.

Get a Great Rate for Madison Car Insurance

Most insurance experts will tell you that the only way to be certain you are purchasing your policy at a competitive rate is to obtain a minimum of three insurance quotes. Trusted Choice® agents make comparison shopping easy by obtaining a variety of competitively priced quotes for you and explaining the various coverage options that are available. Each network agent has taken a pledge to provide customers with exceptional service and ethical advice.

Your local Trusted Choice agent can do more than simply help you find an ideal car insurance policy. Network agents are available to assist you with all your insurance-related questions and needs and will even advocate for you during the claims process if you find yourself in need of support. Find a network agent in your neighborhood today and obtain your obligation-free selection of Madison auto insurance quotes.

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