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Wisconsin Auto Insurance

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Understanding Wisconsin Auto Insurance

Why buy Wisconsin auto insurance?

Wisconsin auto insurance protects you and your family from financial loss resulting from automobile accidents.

If you cause an accident, you may be responsible for the losses of anyone else who is involved. You may be liable for compensation regarding property damage, medical expenses, lost wages and pain and suffering if others were injured.

If you do not carry Wisconsin auto insurance, you may be forced to give up your home, your savings and future wages to help compensate for those losses.

Can I drive without Wisconsin auto insurance?

No. Wisconsin's Financial Responsibility Law requires all motorists to carry Wisconsin auto insurance with liability coverage.

How much liability coverage is required?

According to the Wisconsin Department of Insurance, the minimum liability requirements are as follows:

  • $25,000 for the death or injury of one person
  • $50,000 for injury or death of two or more persons
  • $10,000 for property damage

Must I include uninsured motorist coverage in my Wisconsin auto insurance policy?

Yes. Wisconsin law requires uninsured motorist coverage in the amounts of $25,000/$50,000 for bodily injury only.

What determines my rates for Wisconsin auto insurance?

The Wisconsin Department of Insurance reports the following as the most important factors in determining your rates for Wisconsin auto insurance:

  1. Your age, sex and marital status. According to statistics, young single men have a greater risk of getting into an auto accident.
  2. Where you live. Generally, people living in metropolitan areas are at a greater risk for theft and auto accidents than those living in rural areas. Thus, city folks are more likely to pay a higher premium.
  3. Your car. The year, make and model of your car may influence your premium. The less it costs to repair or replace your automobile, the lower your premium will be.
  4. How you use your car. The more you drive your car, the more you will pay to insure it. Why? Frequent drivers are at an increased risk for auto accidents.
  5. Prior insurance coverage. Your new Wisconsin auto insurance company will want to know if your previous coverage was cancelled for nonpayment. Any prior coverage will also tell your new insurer about your claim history.

What if I am unable to find Wisconsin auto insurance?

If you have been denied coverage from several Wisconsin auto insurance companies, you may obtain coverage through the Wisconsin Automobile Insurance Plan (WAIP).

WAIP was created by the State of Wisconsin to provide coverage for those unable to purchase Wisconsin auto insurance through the normal market.

How do I get WAIP coverage?

WAIP will be sold to you by a Wisconsin auto insurance agent at a higher rate than a voluntary policy. You will want to shop around while on WAIP to find more affordable plans. Using InsureMe's free referral service can provide you with options available to you.

After four years, the Wisconsin auto insurance company that is insuring you under WAIP must accept you for regular coverage if you have maintained a clean driving record.

What if I still have questions?

For additional information, including a consumer guide to Wisconsin auto insurance, you may contact the Wisconsin Department of Insurance at 1-800-947-3529 or visit them on the Web.

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