Wisconsin Car Insurance

The wide expanses of America’s Dairyland make for long stretches of highway, and Wisconsin drivers know that the ice and snow can make it difficult passing through. So a good insurance policy is just as important as a good set of tires. That’s why The Simple Dollar aims to keep Wisconsin drivers informed and educated about car insurance and their options as consumers. Below you will find numerous resources and links to additional information to help you stay on top of your car insurance needs.

 

 

 

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Stats in Your State

Getting a handle on how auto insurance companies determine your premiums is much easier when you have information to guide you. That’s why we’ve visualized the average car insurance premium in Wisconsin and the nation as a whole, along with other key statistics that affect your rates.

Auto Insurance Premiums

Wisconsin’s flat landscape and predictable weather patterns make it a relatively low-risk state for drivers, and in turn low-risk for insurers. For those reasons, Wisconsin drivers have enjoyed lower-than-average car insurance premiums throughout the 2000’s, with rates as low as $200 less than the U.S. average.

Traffic Fatalities over time

From a decade-high of 848 traffic deaths in 2003, Wisconsin’s roads have gotten steadily safer over the years. In 2009 there were only 561 traffic fatalities, a decrease of roughly 33%. Safer vehicles and wide public-awareness campaigns have led to nationwide trends toward safer roads in recent years.

Auto Repair Costs

Wisconsin drivers in recent years have paid significantly less for car repairs than the average American driver. This is due in part to Wisconsin’s proximity to Detroit and the availability of cheap auto parts, but also because Wisconsin drivers have been fixing their cars less often in these tough economic times, which in turn lowers the average car repair costs.

Rules in Your State

To help keep Wisconsin drivers safe, legal, and properly insured, we’ve compiled some of the essential rules of the road all in one place. Below you’ll find the basics of car insurance requirements, teen driver rules, and drunk driving penalties, along with some key insurance regulations.

Minimum Required Car Insurance in Wisconsin

Via Wisconsin’s government

  • $25,000 for injury or death of one person;
  • $50,000 for injury or death of two or more people; and
  • $10,000 for property damage.

Required Proof of Insurance in Wisconsin

A certificate of insurance from your insurer with the following information:

  • Effective coverage date
  • Name(s) of covered driver(s)

The Graduated Driver License: Wisconsin Licensing Facts for Teen Drivers

According to Wisconsin’s Department of Transportation, teen drivers will receive an unrestricted license in the following manner:

  • Hardship License for Minors? Yes.
  • Learner’s Permit Age: 15 years, 6 months. Drivers must log 30 practice hours and hold permit for 6 months.
  • Restricted License Age: 16 years.
  • Full License (Unrestricted) Age: 16 years, 9 months.

Wisconsin Insurance Statutes: Laws Protecting Your Consumer Rights

The Wisconsin Insurance Statutes and Rules cover everything from trade practices, sale of policies, and business structures, but some of the more important regulations are listed below in the Claim Settlement Practices guidelines. Read up on the section for Unfair Claims Practices to learn more about your rights as a consumer.

DUI/DWI Laws:

The Department of Transportation has also set forth strict penalties for drivers who get behind the wheel when they are under the influence.

Administrative license suspension 1st offense? 6 to 9 months
Restore driving privileges during suspension? If hardship is demonstrated, restricted driving privileges may be restored.
Are ignition interlocks mandatory for first offenders for the following offenses? High-BAC offenders only
Are ignition interlocks mandatory for repeat offenders for the following offenses? yes
Fine for first offense? $150 to $300
Jail sentence for first offense? No

Representatives & Resources in Your State

Below you’ll find a few of the most important resources for Wisconsin drivers in terms of guidance and assistance on road safety, traffic laws, and car insurance concerns. Visit the state agencies listed below for consumer advocacy and additional information for your car insurance and vehicle needs.

Wisconsin Office of the Commissioner of Insurance
125 South Webster Street
Madison, Wisconsin 53703-3474
(800) 236-8517
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Contact Information
Consumer Complaint Resource
Auto & Home Insurance Information

Wisconsin Department of Transportation
4802 Sheboygan Avenue
P.O. Box 7999
Madison, WI 53707-7999
Contact Information

Wisconsin Division of Motor Vehicles
The Division of Motor Vehicles is part of the Department of Transportation, and handles both vehicle registration and driver licensing services. Visit their website to find an office or license center near you.