Wisconsin is home to over 5 million residents and boasts 239,027 miles of roads. Although Wisconsin boasts some of the lowest average car insurance rates nationwide, it’s still important to ensure you have enough coverage and explore all your available options.
An auto insurance calculator can be an invaluable resource when it comes to assessing your needs and finding the most appropriate plan. Simply input information about yourself, such as where you live and vehicle details such as year, make and model of vehicle to get an estimate of premium costs. Once this data has been gathered it’s important to shop around; rates often differ dramatically between providers so it often pays to shop around in search of better deals.
Wisconsin drivers typically pay an average annual premium of $869 for car insurance, or $72 monthly or $435 every six months. There may be ways to lower this cost, however; such as taking a driver safety course or getting married. On average, drivers in Wisconsin pay approximately this much. On average, however, drivers usually opt for basic coverage as per state standards with optional additional benefits (i.e. antitheft etc). On average drivers in Wisconsin pay an annual premium of $869 which breaks down to around $72 monthly payment or $435 over six month renewal cycle – though some drivers can reduce this further through taking driver safety courses, marriage or ensuring good credit ratings if possible.
Wisconsin state law mandates you have at least $25,000 of bodily injury coverage and $50,000 of property damage liability (known as liability insurance). Collision and comprehensive coverage – otherwise known as full coverage – should also be added for an extra layer of security against accidents caused by uninsured motorists, theft and weather events. While additional coverage costs more, having it can provide peace of mind.
Other variables that could impact your premium include location, driving record and vehicle type. Rural residents tend to pay lower premiums while urban drivers typically do. Your credit score also plays a factor – those with excellent scores tend to pay less while those with poorer ones typically incur greater costs.
Your driving record also plays an integral part of determining your rate, with accidents or tickets leading to an increase while an outstanding record lowers it. One effective way of saving money by decreasing risk with safe-driving programs like Snapshot which provide personalized rates tailored directly to your actual driving behavior.
When shopping for car insurance, use our free online tool to quickly compare quotes. Once you know your rate estimates, select an insurer with both affordable coverage and exceptional customer service – also remembering to verify their financial stability using websites such as Standard & Poor’s or AM Best for added peace of mind.