Wisconsin Auto Insurance
Although residents of Wisconsin can opt to show financial responsibility in lieu of car insurance, the majority of Wisconsin residents choose to have auto insurance. Considering the low cost of premiums in Wisconsin (relative to the national average), it's no wonder that auto insurance remains a wise choice. Get started here by requesting a free quote!
Minimum Wisconsin car insurance requirements
Regardless of which kind of coverage you choose, the State of Wisconsin stipulates some minimum levels of liability coverage. The minimum amount of coverage that you must prove, whether through auto insurance or financial responsibility, is the following:
- Bodily Injury Liability: $25,000 of coverage per person, with a limit of $50,000 per accident.
- Property Damage Liability: $10,000 of coverage for property damage.
- Uninsured Motorist Bodily Injury: $25,000 of coverage for uninsured motorist liability, along with a $50,000 limit per accident.
Wisconsin car insurance considerations
Wisconsin law goes by the Tort system of auto insurance, as do over 30 other states in the U.S. What this means is that the person who is found liable in the accident is generally considered to be the one who is responsible for all insurance, deductibles, and other expenses associated with the accident.
Average car insurance rates in Wisconsin are relatively low, at about $1,558 as of July 2009, compared to the U.S. average of $1,796. Furthermore, rates can fluctuate from month to month. They can potentially drop as low as $1,117, like they did in September of 2008, according to CarInsurance.com. Therefore, it's a good idea to frequently compare rates in order to find the best possible premium. To get started, you can request a free, no-obligation Wisconsin car insurance quote here!