Wisconsin drivers pay about a third less than the national average for their car insurance. And while most Wisconsin insurance companies offer affordable premiums, you’ll definitely want to check out a few before making your decision.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Wisconsin. And if you want to learn more about car insurance rates in Wisconsin, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Wisconsin.
Cheapest minimum coverage car insurance in Wisconsin
The minimum required insurance coverage varies depending on your state laws. In Wisconsin, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Wisconsin:
Additional coverages you might want to consider when shopping for car insurance in Wisconsin
Coverage to consider
Winsconsin is prone to winter storms and the occasional tornado. Comprehensive insurance covers any physical damage to your car as a result of a severe weather event.
About 14% of drivers are uninsured in Wisconsin. Uninsured motorist coverage protects you if you get into an accident with someone who does not have the minimum required insurance.
Though the minimum required insurance is sufficient to drive in Wisconsin, state-specific factors make additional coverage a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Wisconsin
If you hit the road without the mandatory minimum insurance in Wisconsin you could receive a fine of up to $510 and a suspension of your driving privileges. Before your license will be reinstated, you’ll need to purchase an insurance policy, secure an SR-22 certificate, and pay a reinstatement fee of $60.
Thankfully, minimum insurance is incredibly affordable so there’s no reason to skip it.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Wisconsin:
Minimum liability coverage is all you need to legally drive in Wisconsin, but securing full coverage can provide you with peace of mind and more financial protection in the event of an incident.
Cost to insure your car in Wisconsin by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teenage drivers in Wisconsin are three times more likely to be involved in a car accident than other age groups, with crash rates above the national average. Distracted driving is a significant factor in six of every 10 accidents involving teenagers.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for young drivers in Wisconsin with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Wisconsin has a graduated licensing system that is intended to help keep novice drivers out of high-risk driving situations while giving them the chance to gain experience and develop their driving skills. Of course, accidents still happen.
Rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Wisconsin drivers pay more than 30% less than the national average. In general, the state has a middle-of-the-road population density and a fairly rural population, which typically means fewer accidents and lower rates. It also has a healthy amount of insurer competition.
That said, Wisconsin also has a high percentage of uninsured drivers and sees its fair share of severe weather, including snow storms and the occasional tornado. While certain areas of Wisconsin may have higher insurance rates than others, these factors aren’t enough to have any major impact on the affordability of insurance overall.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.