Cheap Car Insurance in Wisconsin

The Cheapest Car Insurance in Wisconsin for all Cars and Drivers

Wisconsin is known for cheese, wildlife, and Green Bay Packers (among other things). It’s also known as a state that can be challenging on the wallet. This is also true of cheap car insurance, leaving many residents needing help finding affordable policies to meet their budget.

Adding insult to injury is an economy that needs to make it easier for Wisconsinites to get by. From rising gas prices to groceries and utilities, the last thing we want you to do is pay too much for what should be a cheap car insurance policy.

We’re here to give your wallet a reprieve. We offer a fast and straightforward way to compare cheap car insurance quotes from several leading insurance companies vying for your business.

This guide gives you the inside scoop on everything you need to know when shopping around for Cheap Car insurance in Wisconsin.

Car insurance requirements in Wisconsin

Here’s What you need to know before hitting the road in Wisconsin

Like death and taxes, there’s no way around car insurance. If you live in the United States, including Wisconsin, it’s a mandatory requirement for operating a vehicle on public roadways.

Like any state in the US, Wisconsin makes it illegal for residents to drive on its roadways without having a minimum mandated level of coverage.

But wait, there’s more. Not only must you have a minimum amount of coverage specified by state law and the Department of Transportation, but you must also always carry PROOF of having covered if you’re pulled over or get into an accident.

But how much is this going to cost you? That question is a bit nuanced, and we will cover all the ins and outs of what makes one policy more expensive than another and what you can do to ensure you’re not overpaying.

Luckily, some policies, such as those offering minimum mandated coverage, can be affordable and low-cost if you know what to look for and how to find the right policy.

What are Wisconsin’s minimum amounts of Auto insurance that all drivers must carry?

In Wisconsin, all motorists are required to carry liability insurance. Only the driver and passengers of the other vehicle are covered by liability insurance if you are at fault for the collision. Your Wisconsin liability insurance requirements are as follows:

• Bodily injury liability coverage: $25,000 per person

• Bodily injury liability (more than one person): $50,000 per accident

• Property damage liability coverage: Property damage liability coverage: $10,000 per accident

What types of penalties could you face for driving without Car insurance in Wisconsin?

Think car insurance is pricy? Try driving without it, and you could find out the hard way.

When operating a vehicle on a public road in Wisconsin, drivers are required by law not only to have insurance but to carry PROOF of that insurance policy with them at all times.

A ‘cheap’ policy makes no difference as long as it meets the state’s minimum requirements for coverage. And paying for a cheap car insurance policy is MUCH less expensive than dealing with the legal repercussions and penalties of not being covered.

Penalties for driving without Auto insurance in Wisconsin:

The state of Wisconsin does not mess around when it comes to violating the regulations that govern car insurance coverage.

• Driving without Insurance: fine not to exceed $510 and suspension of driving privileges until you have an SR-22 on file. The driver must maintain an SR-22 for three subsequent years. In addition, a $60 license reinstatement fee is levied.

• Driving without insurance (with an accident): fine not to exceed $510 and suspension of driving privileges for up to three years. $50 reinstatement fee for the vehicle and a $60 reinstatement fee for your license. Violators will also be required to maintain an SR-22 policy for three years.

• Has insurance but no ‘proof’ at the time: $10 fine

Exceptions to penalties for driving Uninsured in an accident

According to Wisconsin’s state safety responsibilities laws, a driver can have their privileges and vehicle registration suspended if involved in an accident while uninsured, BUT they can avoid such penalties if they

• Put up a security deposit to cover the cost of claims.

• Agree to an installment agreement to pay for claims.

• Submit a liability lease to prove that they have settled claims with the other parties involved.

Even so, nothing beats knowing you have a cheap car insurance policy to protect you from dealing with the headache.

Cheapest car insurance in Wisconsin for minimum coverage

Shopping for car insurance doesn’t excite anyone, but finding a good deal is always a good idea if there’s one thing we always agree on.

Regarding cheap car insurance, liability-only policies are the cheapest and easiest way to meet your legal requirements of state minimum coverage without spending a fortune.

How Much Does Auto Insurance Cost in Wisconsin?

Wisconsin has adopted a strict policy when it comes to violating the regulations governing car insurance coverage.

Answering this one is trickier. Several variables come into play when an auto insurance provider gives you a personalized price quote.

In Wisconsin, the average cost of car insurance reported by residents is around $332/year for minimum coverage (i.e., cheaper car insurance) and around $1,186/year for full coverage.

Overall, this state ranks among the more competitively priced when it comes to auto insurance. However, it’s still worth doing everything possible to keep costs down.

What’s the Cheapest Car Insurance After a DUI In Wisconsin?

Wisconsin’s government and auto insurance companies have taken a strong position against operating a vehicle while intoxicated. If convicted, you should anticipate paying extra for auto insurance and being subject to severe legal penalties and fines.

DUI offenders are typically categorized as “high-risk drivers,” thus finding affordable insurance can be impossible. To see coverage that won’t break the bank, browsing around will be your best bet.

Insurance Navy works with a wide range of insurance providers to find you the lowest cost possible.

Nevertheless, don’t be shocked if some insurance providers charge drivers with DUIs 90% more than those with clean records.

Wisconsin SR-22 Insurance

As part of the penalties imposed for a DUI conviction, accidents you caused, driving while your license is suspended, driving without insurance, or having too many “points” on your license, you frequently need to obtain and maintain a SR22 insurance in Wisconsin.

Although it is occasionally referred to as “insurance,” an SR-22 is more like a certificate or bond provided by the insurance carrier to guarantee to the state that you have a specific level of coverage in the case of an accident.

Tips for How to Get the Cheapest Car Insurance in Wisconsin

Quote Comparison: your one-stop shop at Insurance Navy

Shopping around is one of the best tactics for obtaining the best Wisconsin auto insurance deal.

Could it take much time? Not necessarily.

At Insurance Navy, we collaborate with several leading insurance companies, enabling us to find you the best deal among several insurers without you having to fill out countless forms and waste time with pesky sales reps.

Understand How Various Factors Can Impact Your Rates

This article looked at some significant events and decisions that might impact your auto insurance costs. While some of these (like getting married) can’t be easily reversed, you can take advantage of others.

Selecting the Appropriate Type of Coverage

At Insurance Navy, we take great satisfaction in assisting people like you in being more knowledgeable about the different insurance plans available. We work hard to assist you in locating the coverage that BEST meets your needs without breaking the bank.

Don’t Let Your Policy Lapse

Letting your insurance lapse is a common mistake, especially for individuals who may not be able to drive for a while (due to a medical condition, injury, or a vehicle needing repairs). Policy lapses might raise red flags with insurance companies and disrupt the long history of safe driving practices you’ve established.

Consider Uninsured Motorist Protection

According to research published by the Insurance Information Institute, 13.3% percent of all Wisconsin drivers do not have auto insurance. Adding this extra insurance won’t lower your premiums but could save you much money in the long run.