Waukesha Car Insurance

Your Complete Guide to Waukesha, WI Car Insurance

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

Waukesha Wisconsin car insurance

It's difficult to anticipate when you may be in an accident. Purchasing the right types and amounts of car insurance helps you minimize financial problems and get back on the road faster. 

An independent insurance agent can get quotes from many companies and help you design a policy that meets your needs and stays within your budget. Get in touch with a Waukesha independent insurance agent right away to get started. 

How Much Does Car Insurance Cost in Waukesha, WI?

Waukesha residents pay less than the national average for car insurance. Shopping around for the best price can help you save even more money. 

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

Insurance company quotes vary because each company has its own formula for calculating premiums. Your quote may be based on some of the following information: 

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

You could get even lower rates if you bundle your homeowners insurance or renters insurance with your car insurance. You may also get discounts if you are a student who gets good grades or if you have an excellent driving record. Your agent can help you understand any potential discounts. 

What Does Waukesha Car Insurance Cover?

You can choose a mixture of required and optional coverage with your car insurance policy. As a Waukesha resident, you must meet Wisconsin's requirements for some of the types and amounts of car insurance you carry. 

If you have a lease or loan on our vehicle, your lender or dealership may impose requirements about which types and amounts of insurance you have, as well. 

Here are some of the options you can expect:

  • Liability insurance (Required)This coverage pays for property damage and medical care if you cause an accident while driving. Wisconsin requires that residents carry these minimum amounts of liability insurance:
    • 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 for you and your passengers if you are injured in a car accident, no matter who is at fault. 
  • Uninsured motorist insurance (Required): This coverage pays for damage and injuries that would otherwise not be covered if you are in an accident with a driver who doesn't have the right types and amounts of insurance. 
  • Collision insurance (Partially optional): This coverage pays to replace or repair your car if it's damaged in a car accident. 
  • Comprehensive insurance (Partially optional): This coverage pays to replace or repair your car if it is damaged or totaled in an event that doesn't fall under the collision policy. With comprehensive insurance, you are covered if your car is stolen or hit by a falling object, or if you hit an animal in the road. 
  • Roadside assistance and towing (Optional): This coverage pays to get you back on the road if you lock your keys in your car, run out of gas, or get a flat tire. 
  • Rental reimbursement coverage (Optional): This coverage pays for car rental while your vehicle is being repaired after a covered incident. 

Your agent will help you understand your options and work with you to adjust your coverage so it meets your needs. 

What Is the Penalty for Driving without Insurance in Waukesha?

Drivers in Wisconsin must carry a minimum amount of car insurance. If they aren't adequately insured, there could be 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 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 and underinsured motorist coverage is required in Wisconsin. This type of insurance prevents you from having to hire a lawyer to help you get your damage covered after an accident with someone who is underinsured or uninsured. 

How High Is the Auto Theft Rate in Waukesha?

The risk of having your car stolen in Wisconsin is lower than the national average. It's even less likely that you'll be the victim of auto theft in Waukesha. 

  • National auto theft rate per 1,000 vehicles: 2.37
  • Wisconsin auto theft rate per 1,000 vehicles: 1.72
  • Waukesha auto theft rate per 1,000 vehicles: .46

Your insurance company will only handle auto theft claims if you have a comprehensive coverage policy in place. This optional coverage also handles non-collision incidents like fire or hail damage. 

If you have a loan or lease on your car, you probably have comprehensive coverage. If not, your agent can help you put a policy in place. 

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

An independent insurance agent can shop dozens of insurance companies on your behalf and you won't have to make multiple calls or compare rates on your own. They can also explain your options and help you meet Wisconsin's requirements for car insurance. 

Contact an independent agent in Waukesha today to compare quotes and design an insurance policy that meets your needs while staying within your budget. 

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