Car Insurance in Middleton, WI

Middleton, WI is a suburb of Madison, which is the state capital and home to the University of Wisconsin. This city of over 22,000 residents offers the best of small-town and big-city living. 

Middleton's roads can become crowded and dangerous with its proximity to Madison. From fender-benders to major collisions, car accidents can happen to anyone driving in Middleton.

But with a reliable car insurance policy, you can have peace of mind. A local independent insurance agent can help you get multiple quotes for car insurance in Middleton, WI.

What Does Car Insurance Cover in Middleton, WI?

A car insurance policy in Middleton, WI will have several different types of coverage. First, all car insurance policies in Wisconsin must have minimum liability coverage as required by law.

• Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damage, including medical expenses, lost wages, and pain and suffering. It also protects your legal defense fees if another party involved in the accident sues you.
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued.

Wisconsin drivers are also required to have uninsured motorist coverage. It protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.

In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:

• Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: 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.
• Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
• Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: This pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent can help you decide which coverage offers the best protection for your needs.

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How Much Does Car Insurance Cost in Middleton, WI?

Car insurance is relatively affordable in Wisconsin compared to other states. It is the 46th most expensive state for car insurance. Shopping around for the best rate and taking advantage of car insurance discounts can help you save even more.

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

Every insurance company charges somewhat different rates, and you definitely won't pay the same as your neighbor. Car insurance rates are based on individual characteristics that help the insurance company determine how likely you are to file a claim.

Insurance companies evaluate the year, make, and model of your car as well as personal characteristics about you like your age, gender, and marital status. Other factors play a role, too, such as:

• Your credit score
• The deductibles and coverage limits that you choose
• Whether you own or rent your home
• The auto theft rates in your city or ZIP Code

Independent agents in Middleton, WI make comparison shopping easy. An independent agent can obtain quotes from multiple insurance carriers, so you can compare costs and coverage and make the best choice for your needs. 

Is Car Insurance Required in Middleton, WI?

If you own a vehicle in Wisconsin, you must purchase auto insurance. Each state has specific minimum requirements for auto insurance. In Wisconsin, you must have the following coverage to comply with the law:

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Not required (but must be offered to you)
• Uninsured motorist coverage: Required
• Underinsured motorist coverage: Not required
• Minimum liability limits: 25/50/10; $25,000 for the injury or death of one person, $50,000 for the injury or death of two or more people, and $10,000 for property damage.

While this may seem like great coverage, a minimum-coverage policy may leave you underinsured. If you cause a major collision, you will have to pay out-of-pocket for all expenses that exceed your coverage limits.

These expenses can include medical bills for other drivers and passengers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence.

That’s why many Middleton, WI drivers purchase liability coverage limits higher than the state requirement. An independent agent can help determine how much liability coverage is necessary to protect you and your family adequately.

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

Finding the best car insurance companies in Wisconsin can be simple. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Middleton, WI?

Instead of getting an online quote, find an independent insurance agent now, and get a one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.