Waukesha Car Insurance

When it comes to car insurance, Wisconsin has some of the lowest rates in the United States. A contributing factor to the inexpensive cost of auto insurance is the low percentage of uninsured drivers in the state.

As with every location in the U.S., minimum liability car insurance is required in order for you to be a licensed driver. Use the following guide to learn about the amounts of auto insurance required in Waukesha.

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Minimum Legally Required Car Insurance in Waukesha

In Waukesha two types of liability are required — bodily injury and property damage. The minimum legally required amount of bodily injury liability is $25,000 per person and $50,000 per accident. Similarly, the minimum legally required amount of property damage liability is $10,000.

Uninsured and underinsured motorist protection is not required by law in Wisconsin. However, insurance agents are legally required to offer uninsured and underinsured motorist coverage.

If uninsured and underinsured motorist coverage is accepted, the minimum legal amount of protection is $50,000 per person and $100,000 per accident for bodily injury. There is no requirement for uninsured or underinsured motorist protection for property damage.

Insured Drivers of Waukesha

Jack and Susan

Jack, age 55, is married to Susan, age 56. All three of their children are grown and living on their own. Jack drives a 2009 Chevy Tahoe; Susan drives a 2012 Toyota Avalon. Jack and Susan have had no accidents or violations in the past 36 months.

In February of 2013, Jack’s son borrowed the Chevy Tahoe and was involved in a pile-up on the interstate. The accident resulted in extensive damages and injuries but no deaths. Jack’s car insurance rates increased due to the accident.

Jack and Susan have a premium-level policy which pays higher damage and injury limits. Additionally, premium-level coverage requires a $250 deductible payment.

Their premium-level policy is as follows:

• $250,000 per person and $500,000 per accident in bodily injury liability
• $100,000 in property damage liability
• $250,000 per person and $500,000 per accident for the bodily injury caused by uninsured or underinsured motorists
• $100,000 to pay for the property damage caused by uninsured or underinsured motorist
• $75 in towing allowance
• $900 in rental car allowance
• Full glass coverage

Jack and Susan could get premium-level coverage in Waukesha from these insurance companies at the following monthly payments:

• State Farm – $201
• Mid-Century – $300
• Allstate – $319
• Progressive – $350
• American Family – $353
• Acuity Mutual – $587

In February 2016, it will have been 36 months since Jack and Susan’s son had the car accident while driving the Chevy Tahoe. At today’s prices, with no accidents or violations, premium-level coverage will be available to them at the following monthly payments:

• American Family – $185
• State Farm – $194
• Progressive – $252
• Mid-Century – $252
• Allstate – $290
• Acuity Mutual – $448

Jack and Susan were very happy with the service provided to them after their son was in the accident with their car. They will continue to carry premium-level car insurance.

Amanda

Amanda works for GE Healthcare and recently moved into her own apartment. Her job with GE Healthcare is her first full-time job. Along with her apartment, she has also purchased her first car, a 2015 Ford Focus.

Amanda is 23-years-old and previously drove a car owned by her parents, who also paid for her car insurance. She has not had any violations or accidents in the past 36 months.

Since Amanda is too young to rent a car and does not own a home, basic-level car insurance will give her adequate coverage. Basic-level coverage requires a $500 deductible payment.

Her basic-level policy is as follows:

• $50,000 per person and $100,000 per accident in bodily injury coverage
• $25,000 to pay in property damage coverage
• $50,000 per person and $100,000 per accident for bodily injury caused by uninsured or underinsured motorist
• $50 in towing allowance.

In Waukesha, the following insurance companies offer basic-level coverage to drivers like Amanda for these monthly payments:

• American Family – $129
• Progressive – $133
• West Bend – $142
• State Farm – $142
• Allstate – $154
• Mid-Century – $184
• Acuity – $224

Jan and Steve

Jan and Steve are in their mid-forties with four children, ages 19, 16, 14, and 11. Currently, they own three vehicles and pay for all of the insurance while their 19-year-old son is attending college full-time.

They have agreed that the 16-year-old will not have her own vehicle until the probationary status of her driver’s license is complete and she finishes high school.

For a 2011 Chevrolet Equinox, a 2008 Jeep Cherokee, and a 2003 Volvo station wagon, premium-level coverage in Waukesha is available at the following monthly payments:

• American Family – $428
• Progressive – $621
• State Farm – $643
• Allstate – $697
• Mid-Century – $786

Jan and Steve could save at least $1,500 per year by reducing their level of protection to extended-level and accepting less bodily injury and property damage protection. Because two of the drivers in the household have limited driving experience, Jan and Steve decided to pay the premium amount for higher coverage.

Jason

Jason is a 22-year-old single man. He recently became employed full-time with Cooper Industries and needs a few more months of steady paychecks in order to become financially stable. Jason’s car is a 2002 Saab which he hopes to replace with soon.

Jason did not have car insurance when he was cited in November for an expired registration. Jason was issued a $500 fine and ordered to purchase car insurance. Minimum liability for the 2002 Saab in Waukesha is available to Jason at the following monthly payments:

• Allstate – $36
• American Family – $38
• West Bend – $55
• Progressive – $60
• State Farm – $61
• Mid-Century – $89
• Acuity – $107

When Jason realizes that minimum liability protection will not pay him for any damages in an accident where he is found at fault, he wants to know how much he would have to pay to receive protection for himself and his vehicle.

Jason learns that with uninsured and underinsured motorist protection he is covered as a pedestrian if he is hit by a car or if he is injured by a hit-and-run driver either as a pedestrian or while driving his vehicle. These facts convince Jason to consider upgrading to basic-level coverage which is available for the following monthly payments:

• American Family – $87
• West Bend – $111
• Progressive – $112
• Allstate – $131
• State Farm – $142
• Mid-Century – $161
• Acuity Mutual – $226

Almost all licensed drivers come to value the importance of car insurance. Unfortunately, too many of those drivers pay more than necessary for their desired coverage. Proper research will expose the best rates among car insurance companies.

To easily and efficiently research auto insurance rates in your area, use an online price comparison tool. Once you have compared companies and rates, you can choose the insurance provider that is right for you.

Start comparing auto insurance rates now using the FREE comparison tool below!