Wisconsin is one of two states that do NOT require car insurance for drivers. That being said, there is a minimum requirement that is required for drivers who DO buy a WI car insurance policy. It might seem confusing, but it’s actually very simple:
A. Drivers are NOT required to have insurance by law
B. If drivers choose to get insurance, there are minimum requirements of 50/100/55, or:
- $50,000 per person injury coverage
- $100,000 per accident injury coverage
- $55,000 per accident property damage coverage
So, should you buy Wisconsin car insurance? Read on to learn all you need to know about finding auto insurance in Wisconsin and then be sure to enter your zip code in for your free Wisconsin car insurance comparison!
To Get Wisconsin Car Insurance or Not
Just because it’s not required by law doesn’t mean that you shouldn’t get car insurance. Not having car insurance might save money every month, but could be dangerous in the long run. Driving without car insurance doesn’t remove your liability. If you cause an accident, you are still financially responsible. Without insurance, you could face:
- Lawsuits and legal action for monies owed to victims
- High insurance premiums after an accident because you were uninsured before
- Potential jail time or other forms of punishment for non-payment of lawsuits and monies owed
WI auto insurance generally will cost between $50 and $100 a month for most people, although some might pay more based on their record and driving history. Even if you spend $150 a month on car insurance, it is far better than spending thousands or risking legal issues because you wanted to save a few dollars.
Wisconsin Car Insurance Providers
There are plenty of insurance companies to choose from in Wisconsin, including the top 5 auto insurance companies in the U.S.:
- Progressive
- Nationwide
- Geico
- Travelers
- Allstate
You can choose which companies you want to get insurance from. The rule of thumb is to apply with 3-5 companies to get quotes so that you can get an accurate comparison before choosing the best policy.
Wisconsin Car Insurance Discounts
Just like other states, drivers in Wisconsin are able to get discounts for their auto insurance with the right elements in place. Specific Wisconsin auto insurance discounts include things like:
- Safe driving discounts
- Good student discounts
- Multi-car or multi-policy discounts
- Senior citizen discounts
- Loyalty discounts
Finding Cheap Wisconsin Car Insurance Rates
Additionally, age, sex, and marital status affect insurance rates significantly. The older you are, the cheaper your insurance. Also, women and those who are married will get lower rates because statistically they have proven to be safer drivers.
Even though Wisconsin does not require drivers to have car insurance, it doesn’t make practical sense to drive without it. Accidents can happen to anyone, and you shouldn’t put yourself in that kind of situation. Check out the options that you have, get coverage quotes and find out what kind of rates are available to you.
Even if you spend over $100 a month and never need your insurance, it’s better than not having it and causing an accident that results in thousands of dollars in damages and injuries. Be a smart driver and take the time to compare auto insurance providers and policies so that you can get car insurance in Wisconsin. Enter your zip to start comparing Wisconsin car insurance quotes now!
