Wisconsin Auto Insurance (WI)

Wisconsin's State motto: "Forward"

The people of Wisconsin take pride in their ability to find the truth behind sales language and marketing campaigns. Residents of cities like Madison and Green Bay use the Internet, as well as their own experiences with companies, to find the best deal for their family. Wisconsin is also leading the way in developing new technologies through the University of Wisconsin system. InsuranceUSA.com combines the love of a good deal and this attraction to technology for every resident in the Badger State.



InsuranceUSA.com allows Wisconsin motorists to get a free quote for their particular city. Motorists need to insert their zip code and other information into the website's main page to get quotes for their city. The myth that the insurance field is rigged by state and federal agencies, along with insurance companies, is debunked by InsuranceUSA.com.

As for information revealed by the Insurance Information Institute, Wisconsin consumers, on average, were paying $615 per year for insurance in the year 2005. The year prior to that, Wisconsin consumers were paying approximately $636 annually. The year-to-year comparison of the two figures suggests a 3.2% reduction in the cost of insurance premiums. Further, this reduction in insurance costs is in striking contrast to the 6.63% annual increase Wisconsin consumers were growing accustomed to on a year-to-year basis. InsuranceUSA.com has made it possible for Wisconsin consumers to see, for the first time, a reduction in premium costs; the site makes it possible for Wisconsin consumers to wisely shop for all their insurance needs.

Minimum State Insurance Requirements

InsuranceUSA.com features a State Insurance Regulator section to help you determine the general laws dictating insurance coverage in states like Wisconsin. The Badger State follows a tort system of legal accountability in auto insurance claims. The role of every participant in a car crash is reviewed by a judge who needs to decide the party responsible for initiating the incident. The motorist who is found responsible in court must work with his insurance company to find a financial arrangement to account for repair and medical bills for victims.

There are a number of financial limits established by the state's Insurance Regulator as well as the State Legislature that must be met by each motorist's insurance policy. The essential financial limit that must be met for an insurance policy in Wisconsin is Bodily Injury Liability coverage. The state of Wisconsin requires a 25/50/10 formula for Bodily Injury Liability, which covers $25,000 per injured motorist in medical costs up to a limit of $50,000 per claim. The number 10 in the formula represents the Property Damage Liability minimum of $10,000 that needs to be a part of any new insurance policy.

The problem of uninsured and underinsured motorists on Wisconsin streets makes special insurance coverage a requirement. The $25,000 per driver and $50,000 per accident coverage protects a policyholder from financial damages accrued when an uninsured or underinsured motorist is found responsible for an accident. The combination of mandated coverage and the strict tort system in Wisconsin helps alleviate the high costs of accidents initiated by an uninsured motorist.

The state of Wisconsin does not mandate Personal Injury Protection (PIP) in its insurance regulations. Motorists from Lacrosse to Milwaukee can afford to purchase PIP coverage with the assistance of InsuranceUSA.com. This coverage is recommended because it provides coverage for medical expenses above and beyond health insurance limits for a motorist and his passengers.

Wisconsin residents can play around with different coverage levels, as well as optional coverage like PIP, when they use InsuranceUSA.com. The website pulls quotes from every insurance company with coverage plans for cities within the Badger State. If you live in Wisconsin and need a new insurance policy, you can get a free quote today from InsuranceUSA.com by inserting your zip code and address. The application process is simple, and you can update your insurance coverage in a matter of minutes to meet the minimum requirements of Wisconsin law.

Major Wisconsin Cities

578,887	Milwaukee	221,551	Madison	101,203	Green Bay
95,240	Kenosha