For Wisconsin drivers, car insurance is not just a legal obligation—it’s a critical safeguard for life on the road. Here’s why auto insurance in Wisconsin is so important: 

• Challenging Winter Weather: Wisconsin’s winters bring heavy snow, ice, and freezing rain, all of which increase the risk of accidents and road hazards. 
• Rural and Urban Mix: Whether you’re dealing with tight urban parking in Madison or fast-moving traffic on I-94, unpredictable driving conditions require comprehensive protection. 
• Wildlife Collisions: With an abundance of rural roads, Wisconsin drivers face heightened risks of deer and other wildlife collisions, especially during twilight hours. 

Wisconsin operates as an "at-fault" state, meaning the driver found responsible for an accident is required to cover any resulting damages. The state mandates minimum car insurance coverage, which includes: 

• Bodily Injury Liability Coverage: For medical expenses of others if you’re at fault, with a minimum of $25,000 per person and $50,000 per accident. 
• Property Damage Liability Coverage: Covers damage to another person’s vehicle or property when you’re at fault, with a minimum requirement of $10,000 per accident. 
• Uninsured (UM)/Underinsured Motorist (UIM) Bodily Injury Coverage: Coverage for your injuries or even death if the other party is at fault and doesn't have sufficient insurance. 
  • UM is required, but UIM is not in Wisconsin. UIM will be added to standard policies. You have the choice to reject it, but you must do so with your agent in writing. If you do keep UIM on your policy, the limits are $50,000 per person and $100,000 per accident. 
• Medical Payments (MedPay) Coverage: Helps pay for medical expenses for you and your passengers after an accident, regardless of fault. Has a minimum limit of $1,000 per person. 
  • Can be rejected from your policy but must be done so with your agent in writing. 

Basic liability insurance only covers others involved in an accident. To ensure protection for yourself and your vehicle, additional coverage is highly recommended. 

Given Wisconsin's unique driving conditions, including extreme weather and wildlife risks, drivers should consider extending their coverage with the following options: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident based on your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered accident based on your deductible. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered accident. 
• Increase Liability Limits: Some drivers see the benefit of increasing their liability limits to avoid costly out-of-pocket expenses if they’re found to be at fault. 

At Goosehead Insurance, we can help you customize coverage tailored to your driving habits, whether you frequently commute in dense city traffic or need coverage for a highly customized vehicle. 

In addition to your coverage level, the cost of car insurance in Wisconsin depends on various factors, including: 

• Driving History: Additional violations or accidents increase rates, while a clean record can lower your premium. 
• Vehicle Type: New, luxury, or specialty vehicles typically cost more to insure. 
• Location in Wisconsin: Living in a high-traffic area, such as Milwaukee, or a region prone to theft or weather-related risks can lead to higher premiums. 
• Age and Experience: Younger or inexperienced drivers generally pay higher premiums. 

Drivers who have policies that meet the legal minimum requirements for car insurance in Wisconsin typically pay around $500 a year for insurance. Those that select more coverage typically pay an average of about $2,000 annually. 

While car insurance is a necessary investment, there are several ways to reduce your premiums:

• Bundle Your Policies: Combine your auto insurance with homeowners or renters insurance to take advantage of multi-policy discounts.
• Maintain a Clean Driving Record: Safe driving not only keeps you and others secure but also helps keep your insurance costs low.
• Seek Out Discounts: Many providers offer savings for good students, safe drivers, military members, or vehicles equipped with advanced safety features.
• Compare Quotes: Shopping around and comparing options from different carriers ensures you're getting the best value for your coverage.

At Goosehead Insurance, our dedicated agents specialize in helping Wisconsin drivers find these savings by working with industry-leading insurers to customize policies that fit your unique needs.

Wisconsin drivers trust Goosehead Insurance for our comprehensive and customized approach to car insurance. Here’s what makes us stand out: 

• Wide Carrier Network: We compare policies from top-rated carriers to find the best auto insurance Wisconsin has to offer. 
• Tailored Policies: Our agents craft coverage options to meet your unique driving needs, from rural to city life. 
• Streamlined Experience: From quote to claim, we make the process easy and hassle-free. 
• Reliable Support: Our team is readily available for policy updates, questions, or claims assistance.