wisconsin car insurance
Esurance offers car insurance in Wisconsin, and we put this guide together to help you get the most from your policy. We'll run down key policy info — from legally required coverages to Esurance discounts as comforting as a warm glass of milk.
Wisconsin car insurance basics
Drivers in Wisconsin need to carry liability insurance, which helps pay for others' medical fees and property damage if you're found at fault in an accident, with at least the following limits:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per incident
- $10,000 of property damage liability per incident
- $25,000 of uninsured motorist bodily injury coverage per person
- $50,000 of uninsured motorist bodily injury coverage per incident
These are just the legally required limits — you can select higher limits when you buy your car insurance policy.
Esurance in Wisconsin
Esurance began offering car insurance to Wisconsin drivers all the way back in 1999.
Esurance discounts available in Wisconsin
Wisconsin drivers who get a quote from Esurance may qualify for these big discounts:
- Multi-Car discount
- Homeowners discount
- Good Student discount
- Switch & Save® discount
- Fast 5® discount (for starting a quote online)
- Paid in Full discount
Discounts may vary. If you're already an Esurance policyholder and have questions about your discounts, call us at 1-800-ESURANCE (1-800-378-7262).
Our Renters Plus™ discount
If you rent your home or apartment, protecting your valuables is just as easy as protecting your car. With our Renters Plus discount, you can save money on your car insurance by adding renters coverage to your policy.
Optional car insurance coverages
The following Esurance coverages can broaden the protection you get from your Wisconsin auto policy:
- Collision coverage
- Comprehensive coverage
- Underinsured motorist bodily injury coverage
- Medical payments coverage
- Rental car coverage
- Emergency road service coverage
- Customized parts and equipment coverage
- Loan/lease gap coverage
- Renters coverage
Penalty for not having the required coverage
Failure to show proof after accidents or at traffic stops can result in a fine of $10. Driving a car that's altogether uninsured can lead to a fine up to $500.
Determining fault after car accidents
Wisconsin is a tort-based state that uses the comparative negligence system. This means that drivers can sue for post-accident damages if another motorist was more at-fault for the incident. The amount you can recover is partially based on your own percentage of fault.
Credit reports and Wisconsin car insurance policies
Car insurers in Wisconsin are allowed to use credit reports as a rating factor.
If a company denies coverage based on your credit, you have the right to request a free copy of the report they viewed to verify the information it contains. The insurer will give you the address and phone number of the credit agency where you can obtain the report.
Alternative car insurance option
Drivers who can't afford a typical car insurance policy can apply for coverage through the state-sponsored Wisconsin Automobile Insurance Plan. Visit the Wisconsin Automobile Insurance Plan site for more info.
State insurance authority: Wisconsin Office of the Commissioner of Insurance
Wisconsin trends that can affect car insurance rates
Wisconsin had 10.05 driving fatalities per every 100,000 motorists in 2010, which was slightly below the national average of 10.63.
Uninsured drivers
According to a 2011 report from the Insurance Research Council, 15 percent of Wisconsin drivers were uninsured as of 2009 (higher than the U.S. average of 13.8 percent).
Animals on the road
Wisconsin had the 8th-highest frequency of deer-related car accidents in the nation according to an ABC News report in 2010.
Comprehensive coverage offers financial protection from animal-related accidents.
Related links
Wisconsin driver facts and info
Find info on road laws, driving records, licensing, and more in our Wisconsin driver fact sheet.
Esurance Coverage Counselor®
We'll help you tailor your Wisconsin auto policy in just a few minutes.
Brush up on winter driving tips
Be ready when Wisconsin's lush farmlands turn to frozen tundra.