Car insurance is required in Wisconsin, with 239,027 miles of roads and various coverage options to consider. MoneyGeek provides a Wisconsin car insurance calculator to quickly help drivers estimate their rates quickly; taking into account driver age, vehicle type and coverage levels along with state minimum requirements as well as optional extras like uninsured motorist coverage which covers medical claims caused by other drivers whose coverage limits have been met or are nonexistent.
As with most insurance policies, Wisconsin car insurance premiums depend on multiple factors, including age and driving record. You could pay more for coverage if you have been involved in at-fault accidents or traffic violations in the past; furthermore, insurers may assume you pose higher-risk than expected and charge additional for their policy accordingly.
MoneyGeek’s Wisconsin car insurance calculator shows that an annual liability-only policy costs approximately $332. This policy offers minimal bodily injury and property damage coverage and comes with a standard $1,000 deductible. Comparatively, full coverage policies which include comprehensive and collision coverage typically cost over $1,499. Below you can see how adding each type of coverage affects your rates.
Drivers in Wisconsin can reduce their premium costs by following a few best practices, such as keeping their driving record clean, choosing an older car and taking advantage of anti-theft devices and energy efficient discounts such as energy efficient models or anti-theft devices. It is also crucial to shop around for the best rate; MoneyGeek’s comparison tool offers multiple quotes for same coverage level from top car insurers for easy comparison shopping.
Wisconsin car insurance premiums may depend on your city and zip code. In general, large metropolitan areas tend to incur higher costs than rural communities because there are more cars on the roads and thus an increased risk of an accident. Conversely, drivers in rural areas often enjoy lower premiums because there are fewer cars on them.
An excellent credit history can significantly lower the Wisconsin car insurance costs. Drivers who possess high scores tend to be charged less due to being considered lower risks by insurance providers; on the other hand, those with poor histories often incur greater premiums for coverage.
MoneyGeek’s Wisconsin car insurance calculator can provide an estimated premium estimate based on your needs and preferences within minutes, so that you can compare to other quotes to find the most cost-effective rate possible for yourself.