Wisconsin drivers have benefits that are unique from other states. The drivers here get to drive in a scenic place and pay a premium that is 30% lesser than the rest of the U.S. The best car insurance in Wisconsin differs from region to region within this state. In Badger State, the best car insurance in Wisconsin’s premiums is really low in rural areas while they are high in metropolitan areas. A city dweller hence will pay more. Also to be noted is Wisconsin’s harsh winters and the presence of wildlife in abundance. These two factors could cause damages, making it necessary to have the collision or comprehensive coverage apart from the minimum liability requirement set by the state.
Though the insurance rates for the best auto insurance in Wisconsin are lower than the national average, the difference in the premium rates is huge between city dwellers and non-city dwellers. Also, premium rates could differ based on which company is insuring. For example, if two people got insured in two different companies, wherein their coverage options selected are the same, the car type and the driver type is the same and even their location matches, their premiums would still not be the same necessarily. That is why it is important to check for the best car insurance companies that provide the best auto insurance in Wisconsin.
Apart from the insurance company, your area where you live plays a role in deciding your premium amount. For instance, if you reside in Milwaukee which is a metropolitan area, you will notice the difference in the premium amounts. The premiums here will nearly be double of what someone like you is paying for the same coverage in Grafton which is not a metropolitan area.
In Wisconsin, the accident responsibility is mostly split. In most states, negligence laws assign fault to one driver or the other driver when an accident happens. Either of the party is blamed. But in Wisconsin, this is different. Here they follow a comparative negligence law. It means that the responsibility of an accident is shared by all the parties involved. This does depend on the percentage of their negligence.
Having said this, your premium amount will depend on your coverage, your car, and your location. People residing in Milwaukee, Green Bay, and Madison which are central cities, will pay more.
Minimum Liability Coverage for Auto Insurance in Wisconsin
In Wisconsin, the minimum liability coverage is:
- $25,000 bodily injury coverage per person
- $50,000 bodily injury coverage per accident
- $10,000 property damage coverage per accident
Factors that Impact Car Insurance in Wisconsin
Auto insurance companies should also offer you a minimum of $1,000 as medical expense coverage. This will help you a lot in covering your medical costs and the costs of your passengers in the event of an accident, irrespective of whose fault it is. But please note that this coverage is not mandatory.
There are other factors like your age, driving history, etc on which your insurance rates depend. In addition to that, the number of cars you insure, the type of cars you have, their safety features, etc is very important.
Comprehensive and collision coverage are good investments too. Besides getting involved in accidents with other drivers, there could be instances where the other party could be a wild animal. Wisconsin is the 4th highest state in the deer-vehicle collision rate in the entire nation. And you wouldn’t want to invest in car insurance and lose it all in a wildlife encounter accident. When you go searching for auto insurance, do check if your insurance agent covers animal accidents. These types of accidents are classified differently by companies. Also, check how your premiums will be affected by the same. It will still be worth to take it even if you have to pay a few more dollars on a monthly basis.
Finally, make sure you check the ranking and ratings of the insurance company on NAIC (national association of insurance commissioners) before you take your car insurance. The customer service and speed of disbursements is very important in case of an accident and the ratings and reviews of the insurance company will help you to decide on the right one for you.