Car insurance in Wisconsin, like gas or rent, is expensive yet necessary. It doesn't just protect your car from dents; it protects you and other drivers from both bodily harm and financial ruin. For that reason, Wisconsin car insurance coverage isn't just something that drivers in the "Badger State" should have; it's something they
have.
Wisconsin auto insurance coverage doesn’t have to break the bank. You may be able to save by shopping around, declining unnecessary coverage and trading high deductibles for lower premiums. Indeed, you can cut costs, but you can't cut corners. If you drive in Wisconsin, you need auto insurance in Wisconsin. Here's what kind and how much, according to Wisconsin state law:
The best contacts and resources to help you get it done
Browse Wisconsin auto insurance rates online
If you need Wisconsin auto insurance, online quotes are a good starting point. Available from all major auto insurance companies in Wisconsin, they offer a fast and convenient way to research and compare premiums.
I recommend: Get Wisconsin auto insurance rates at websites like
InsWeb,
Insurance.com,
InsuranceUSA and
InsuranceFinder, or from companies like
Progressive and
Esurance, which quote both their own and competitors' rates.
Solicit Wisconsin car insurance quotes from national providers
Most major car insurance carriers offer auto insurance in Wisconsin and all provide competitive Wisconsin auto insurance rates.
I recommend: Among the largest and most popular car insurance companies in Wisconsin are
AIG,
Allstate,
Chubb,
Farmers,
GEICO,
The Hartford,
Liberty Mutual and
State Farm. National associations like
AAA and
AARP are also good sources for affordable auto insurance in Wisconsin.
Get car insurance in Wisconsin from local and regional companies
In Wisconsin, auto insurance rates can vary dramatically; for some of the most affordable, consider locally based providers.
I recommend: For automotive insurance in Wisconsin, try Wisconsin-based companies like
Wisconsin Mutual Insurance Company,
West Bend Mutual Insurance Co. and
Wisconsin American Mutual Insurance Company. Also consider local programs, like the
Wisconsin Automobile Insurance Plan, which exists for drivers who can't easily find auto insurance in Wisconsin.
Use an independent agent to find Wisconsin car insurance bargains
Buying car insurance in Wisconsin via an independent insurance agent can expose you to new resources, practical advice and special rates.
I recommend: To find an independent agent who can sell you car insurance in Wisconsin, use the “find a member” feature at the
Professional Insurance Agents of Wisconsin or search the member directory at the
Independent Insurance Agents & Brokers of America.
Choose Wisconsin auto insurance companies that you can trust
Before doing business with Wisconsin car insurance providers, review their records with consumers to make sure they are reliable, reputable and responsible.
I recommend: If you subscribe to
Consumer Reports, you can check up on car insurance companies in Wisconsin. Another good resource is the
Wisconsin Office of the Commissioner of Insurance, which licenses
car insurance companies in Wisconsin, handles
market conduct examinations of them and publishes information about
administrative actions taken against them.
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