Individual Health Insurance Wisconsin
and Auto Insurance Premiums in All 50 States

Individual Health Insurance Wisconsin, as in most U.S. states, is a lot cheaper when combined with low-cost car insurance.

This page summarizes rates, stats, quotes, and facts pertaining to car insurance in Wisconsin.

Here's how to reduce annual insurance premiums on Wisconsin car insurance and health insurance to a minimum.

These tips also generally apply to drivers in any state. 


average auto insurance rates

The Average Annual Car Insurance Premium for Wisconsin vehicle owners was $1,084 this year.

At the same time, the overall national average annual premium for auto insurance was about $1,365.

When actuaries determine premium rates, they consider variables like climate, economy, crime rates, population density, road conditions, average commute time, state laws, and the percentage of uninsured drivers on state roads, among other things.

Additional factors affecting annual rates are individual demographics such as the age, gender, marital status, lifestyle, and driving history of the policy holder. 

One reason for Wisconsin's lower than average car insurance premiums is the fact that Wisconsin follows a “tort” system, which means benefits are paid only by the carrier covering the driver who is at fault. Premiums tend to run lower in tort states than in "no-fault" states. 

Another reason the rates are low is the low population density throughout most of the state. Remember, these figures are only averages. Car insurance in Milwaukee will be much more costly than car insurance in rural areas.

penalties for driving uninsured in wisconsin

Wisconsin car owners who are ticketed for driving uninsured vehicles have to pay fines of up to $5,000, and deal with a suspended license.

The guilty party must then show proof of insurance prior to reinstatement of the driver’s license.

Wisconsin has a relatively low percentage of uninsured drivers, perhaps due to the state's harsh weather conditions. 

minimum liability coverage for vehicles in wisconsin

The state of Wisconsin does not require vehicle owners to purchase auto insurance. However, drivers must prove their ability to pay for damages if found to be at fault in an accident.

Wisconsin drivers can buy standard liability insurance, OR place a cash deposit of $60,000 with the Wisconsin Department of Transportation.

Needless to say, most Wisconsin drivers decide to buy auto insurance.

The minimum available car insurance liability coverage in Wisconsin is 25/50/10 per vehicle.

This means that each driver must carry at least $25,000 in coverage for personal injury protection (PIP), $50,000 to cover death or injury to other people, and $10,000 in coverage against property damage.

According to insurance experts, state minimums on auto insurance are all too often not enough to cover the cost of an accident. 

That's why experts recommend 100/300 in injury liability coverage for each vehicle owned in America. 

individual health insurance Wisconsin

low cost car insurance and individual health insurance wisconsin

Erie Car Insurance is known for its broad range of discounts. Erie offers safe driver discounts, senior citizen discounts, good student discounts, vehicle safety discounts, anti theft device discounts, and multiple auto discounts, to name just a few.

Another way of slashing premium rates are Multiple Policy discounts for people who have (for instance) automobile insurance, home owner's insurance, and/or individual health insurance Wisconsin policies with the same carrier.

Car insurance companies all over America offer similar discounts. You can lower your premium rates by as much as 40 percent if you apply for every possible discount, especially of you combine auto insurance with individual health insurance Wisconsin. 

popular Auto Insurance carriers in Wisconsin

Popular with Wisconsin car owners are regional carriers such as

  • Erie Insurance
  • American Family Insurance
  • Indianhead Insurance
  • Wisconsin Mutual

Still, many Wisconsin locals opt for major providers such as

  • Allstate
  • Geico
  • Met Life
  • Travelers
  • Farmers
  • Nationwide
  • Progressive
  • State Farm
  • Liberty Mutual

Whichever car insurance providers you choose to explore, start by obtaining several free quotes online.

Then call at least five local carriers for more free quotes, and ask about the discount programs.

Then simply compare quotes and choose the policy with the lowest annual premium rate.

related links

Car Insurance in YOUR State 

Compare Average Car Insurance Premiums in all 50 states and Washington DC. 

What is Comprehensive Auto Insurance?

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