Wisconsin Car Insurance

Additional Wisconsin car insurance coverages

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Wisconsinites might consider:

• Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than collision. Includes damage from falling trees or rocks kicked up by other cars. 
• Collision coverage: This helps cover repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
• Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident.
• Roadside assistance coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors and getting your car unstuck from mud.
• Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

How Wisconsin auto rates are determined

There are several factors that impact auto insurance in Wisconsin, including individual circumstances, geographical location, driving history and more. Here are some points to consider:

• Coverage options and limits: Opting for the state-mandated minimum coverage is usually less expensive, while adding optional coverages with higher limits will increase protection and premiums. 
• Vehicle type: Factors such as the make and model of your vehicle, its safety rating, and repair costs all influence your car insurance premiums in Wisconsin.
• Claims in Wisconsin: Auto insurance rates may be affected by the claims filed in your state. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Wisconsin. 
• Weather patterns: Weather-related incidents impact Wisconsin car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Wisconsin auto insurance discounts for more savings

Amica offers various auto insurance discounts to help policyholders save money on their premiums.¹ Here are some discounts Wisconsin drivers may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
  • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Wisconsin policy premium up front.

If you’re a Wisconsin driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.¹

Facts and figures about Wisconsin

Fun facts about Wisconsin:

• The National Historic Cheesemaking Center, located at the Green County Welcome Center and known as the “Gateway to Cheese Country” and the “Cheese Capital of the U.S.A.,” features a museum and replicas of the 19th-century machinery used for cheesemaking in Wisconsin.²
• Wisconsin is known for being the headquarters of nationally recognized brands such as Harley-Davidson, OshKosh B’gosh and Kohl's.²
• The first dairy school in the U.S. was established in 1890 at the University of Wisconsin in Madison. Currently, Wisconsin remains the only state offering a Master Cheesemaker program.²

Facts about driving in Wisconsin:

• New Wisconsin residents with a valid out-of-state license need to bring a completed driver license application to a Wisconsin DMV location, proof of identity, two proofs of Wisconsin residency and your Social Security number. At the DMV, you'll have your photo taken and take a vision test.³
• Wisconsin offers EZ-TAB kiosks for residents to renew their vehicle plates or transfer their titles. These kiosks are conveniently located at various grocery stores, pharmacies and gas stations.³
• The Wisconsin DMV provides several videos on their website to guide residents on making appointments, selling vehicles, making payments and other related tasks.³

With Amica, Wisconsinites can hit the road with confidence, knowing they’re prepared for any situation that may arise.