Looking for Cheap Car Insurance in Wisconsin?
Wisconsin, is the 15th most populous state in the nation, with nearly 6 million people living here. However, with all that land, you do tend to see some lower car insurance rates—which is good news for the budget-conscious. Carlay has a great selection of cheap car insurance options for residents of the state of Wisconsin.
Carlay will find you the best car insurance at the lowest price possible. All you have to do is download it and put in your zip code, and in less than a minute, you'll have a list of quotes from the top companies in Wisconsin vying for your business. It's not necessary to submit multiple quotes to see if you can save money on a loan. After all, each lender uses its own methodology to set pricing, so it's best to shop around until you find a loan that meets your needs.
Carlay is a fully licensed auto insurance broker that provides quick and personalized service to help you choose the best policy for your needs. When it's time to renew, you'll be presented with new competitive quotes—so you can always be sure you're getting the best coverage at the best price.
In our community of customers in Wisconsin, you'll find raving customers who are saving money and time with Carlay. Here's what they are saying:
How Much Does Car Insurance Cost in Wisconsin?
Wisconsin car insurance companies charge an average of $1,784 per year for liability coverage alone. Full car insurance coverage in Wisconsin costs an average of $1,500 per year.
The national average is $1,783 to buy basic liability car insurance. If you want full coverage car insurance, it will cost you an additional $2,485 per year.
What contributes to the insurance rates in Wisconsin?
A Wisconsin car insurance policy will depend on these factors:
- High number of uninsured drivers
Wisconsin claims to have the highest number of uninsured drivers. If you're one of these drivers, it's time to consider adding Wisconsin car insurance. You'll improve your driving record and save money when you bundle your car insurance with home or renter insurance.
- Severe weather
We know that "severe weather" isn't what you expect in Wisconsin. But, it could happen anywhere. That's why it's best to have comprehensive coverage options that can help keep your car protected.
- Lower population density
Lower population density means lower accident rates, making Wisconsin one of the best states in the nation in terms of car insurance.
Wisconsin also has fairly typical state-mandated minimum car insurance requirements. These help keep the cost of basic liability insurance reasonable compared to other states.
Here's how much you could save on insurance with Carlay auto in Wisconsin, compared with the national average:
|All Coverage Before Carlay||All Coverage After Carlay||Minimum Coverage Before Carlay||Minimum Coverage After Carlay||Full Coverage Before Carlay||Full Coverage After Carlay|
|All Coverage Before Carlay||$1,835||$2,489|
|All Coverage After Carlay||$1,214||$1,671|
|Minimum Coverage Before Carlay||$1,284||$2,360|
|Minimum Coverage After Carlay||$1,131||$1,390|
|Full Coverage Before Carlay||$1,410||$2,761|
|Full Coverage After Carlay||$1,075||$1,963|
Top auto insurance providers in Wisconsin
Each insurance company has its own way of calculating premiums. So if you get quotes from several different companies, you'll probably wind up with different rates—even for the same coverage. In Wisconsin, insurance companies will consider your age, location, and driving history when setting your rates.
For example, drivers in Wisconsin who insure a specific model of car may see a lot of claims from other drivers of the same make and model. If you drive this car as well, you can expect this carrier to hike up your premium. Your auto insurance company may add a surcharge for theft or vandalism if it has noticed a higher rate of those crimes in your area.
Here are some of the most popular carriers in Wisconsin:
What Car Insurance Do You Need in Wisconsin?
Wisconsin requires vehicle owners to carry liability insurance. The minimum coverage requirements are as follows:
|Bodily injury liability||$25,000 per person / $50,000 per accident||Helps cover any medical bills or other costs associated with injuries you cause to others|
|Property damage liability||$10,000 per accident||Helps covers the cost associated with damage you cause to vehicles or property that belong to other people|
Wisconsin requires drivers to carry car insurance so they can be financially responsible in case of a collision. In the event that you fail to purchase car insurance, here are some of the consequences you could be facing:
- An expensive ticket
- A driver's license suspension
- A towed and impounded car
- A lack of financial protection if you get into an accident
While the state-required minimum liability coverage may seem sufficient, there's no guarantee that it will cover all the expenses associated with an accident. If you can afford to buy more coverage, then you should.
Wisconsin drivers might benefit from additional types of coverage.
|Collision coverage||Helps cover any damages to your vehicle if you get into a collision with someone else's vehicle or another object|
|Comprehensive coverage||Helps cover damage to your car from something other than a collision, such as contact with animals, natural disasters, fire, vandalism, theft, and fallen objects|
|Uninsured motorist coverage||Helps cover any damages resulting from an accident caused by an uninsured driver|
Carlay can help you find quality insurance that is both affordable and tailored to your individual needs. Carlay will find the best deal on your car insurance by comparing quotes from many different companies. The app also helps you cancel your old policy, and you can even opt to have your renewal price checked against current rates.
Now that you've gotten a sense of the general type and amount of insurance you might need in Wisconsin, let's take a look at some of the things that might affect your premiums.
How is Your Cost of Car Insurance Determined in Wisconsin?
Getting the best insurance deal for your car involves considerations such as your age, driving record, home address, and type of car you drive.
- Cost to insure your car in Wisconsin by age
Many insurers base the premiums they charge on the amount of driving you have done. If you are young, you will probably pay more than someone with a lot of experience.
Wisconsin's teenage drivers 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 massive determinant in six of every 10 car accidents involving teenagers.
If you are a young driver, don't despair. While you don't get the same low rates as your parents, you can still get cheap insurance quotes by:
- Shopping around for the lowest rates
- Maintaining a clean driving record
- Getting good grades in school
Whether you're 25 or 75, quote shopping through Carlay is a good place to start. Here's how much Carlay offers drivers by age:
|Age Group||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Wisconsin with a poor driving record
Many drivers who receive a speeding ticket or are involved in an accident often see their car insurance rates increase. In Wisconsin, points remain on your license for five years. You're considered a high-risk driver and insurance companies will charge you higher premiums.
Carlay can help anyone get a competitive, cheap car insurance policy even if their driving record isn't squeaky clean.
|Driving Violation||Average Cost||Annual Savings with Carlay|
|Driving on Sus. License||$3,763||$1,255|
|Failure to Obey Traffic Sign||$3,222||$1,138|
|Speeding under 15||$2,962||$997|
|Speeding over 15||$2,000||$452|
- Cost to insure your car in Wisconsin based on where you live
Auto insurance rates vary by state and by city. In Milwaukee, for example, rates are higher than average because the city has a higher rate of accidents, thefts, and claims than rural areas.
Wisconsin drivers pay less for auto insurance than most people in other parts of the country. This is because of its lower population density, a relatively rural population, the relatively few number of accidents that occur there, and healthy competition between insurers.
Below are the rates users have found in a number of Wisconsin cities:
|City||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Wisconsin based on the type of car you drive
Here's some surprising news: The Ford F-150 is one of the best-selling vehicles in Wisconsin—and, as it turns out, it's also one of the most affordable to insure. Generally, people who drive cheaper cars tend to have lower car insurance rates because their vehicles are less expensive to fix if they are damaged in an accident.
If you drive fewer miles, you'll save money on your insurance premium, because you're more likely to avoid accidents. To insure a fancier car like an Infiniti Q50 or BMW 3-series, expect higher premiums.
The cost of car insurance varies from company to company, so here's what it would cost to insure some popular vehicles with and without Carlay:
How to Save Money On Car Insurance in Wisconsin?
To help cut the cost of your car insurance, here are some options to consider.
- Shop around for quotes
When you're buying car insurance, don't just pick the first quote you find – shop around for the best possible deal. With Carlay, you can get free quotes from a network of insurance agents in your area, reducing the work involved in shopping around and saving you time.
Carlay's comparison engine can generate competitive quotes from 50+ of the top providers in less than a minute. All you have to do is enter your information once, so you don't have to repeat yourself or call around.
Six months is a long time to keep track of your car insurance, so it's helpful that Carlay reassesses your premium every six months. When you visit Carlay, they can update you if anything has changed and let you know if you could save money on your policy if any of your details have changed.
- Look for discounts
Savvy car insurance shoppers in Wisconsin know how to make the best of any offers and discounts that may be offered by an insurer.
Here are a few of the discount deals offered in Wisconsin:
Plus, you may be eligible for insurance discounts based on your professional affiliations, demographics, driving history, or vehicle.
- Increase your deductible
When you file a claim with your car insurance, the deductible amount is the amount of money you have to pay out of pocket before your insurance company pays for any remaining damage. Upgrading your deductible can lower your premium costs. However, you should be aware that this may mean paying more out of pocket if you get into an accident.
Registering Your Car in Wisconsin
To register a car in Wisconsin, you will need the following documents:
- A driver's license or ID card
- Proof of insurance
- Proof of sales tax payment
- A car title or signed lease agreement
- Proof of a safety inspection
- Proof of a smog test, depending on the age of the vehicle
After getting the paperwork together, make an appointment at the DMV to register your vehicle. At the DMV, you'll have to fill out a registration form for your vehicle, which will ask for some personal information as well as information about your car.
Wisconsin drivers must renew their vehicle registrations annually.