Car Insurance in Milwaukee
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Insurance for Getting Around Milwaukee
For the 555,000 residents of the Brew Town, this city on the shores of Lake Michigan offers a vibrant and energetic culture. From professional sports teams to live music and, of course, craft beer, there is something for everyone in Milwaukee. Although there are buses, trains, and a robust bikeshare program available for public transportation, most residents of the area use their own vehicles to get around. In fact, only 12.1% of households do not own a vehicle, which underscores the importance of quality car insurance in Milwaukee.
The chance of inclement weather also necessitates a good car insurance policy. Milwaukee's geographical location makes it prone to winter storms. The snowy season lasts for 4.5 months in Milwaukee, with the most snow falling in January, averaging around 4.3 inches. With 19 natural disasters recorded, Milwaukee County experiences more weather-related emergencies than the U.S. average of 15.
Milwaukee is on track for a reduced number of traffic fatalities in 2023 as compared to 87 deaths recorded in 2022, which was a record high for the area. Milwaukee has an initiative called "Vision Zero," whose goal is to eliminate transportation-related fatalities in the city by 2037. The program is beginning to target streets such as Fond du Lac Avenue that experience a high volume of accidents. Interestingly, 46% of residents in that area do not own a car, which may suggest that driving a personal vehicle may be the safest way to get around town. VIU by HUB can help to find affordable insurance rates for those purchasing their first vehicle.
Why You Need Car Insurance in Milwaukee
Milwaukee residents who drive to work or for recreation should protect their vehicles with car insurance for their own safety and financial peace. In addition, Wisconsin law requires a minimum amount of liability coverage for vehicle owners:
- $10,000 required for property damage
- $25,000 required for the death or injury of a single person
- $50,000 required for the death or injury of multiple people
Proof of insurance is required at traffic stops or when the driver is involved in an accident. Failure to produce proper insurance levels may result in fines of up to $500. Offering proof of a fraudulent insurance policy may incur fines of up to $5,000.
Risks Covered by Car Insurance
While there are a variety of customizable insurance policies that will cover damage to a vehicle and its passengers in a multitude of situations, the most popular available coverages typically include the following:
- Bodily injury liability
- Property damage liability
- Collision
- Personal injury protection (PIP)
- Comprehensive
- Uninsured/underinsured motorist
Costs of Car Insurance in Milwaukee
Full and minimum car insurance coverage in Wisconsin costs less on average than in the rest of the country. This may be due to a lower population density in the state, resulting in less congestion and a lower risk of accidents. Full coverage premiums in Milwaukee average $1,387, which is higher than the state average and among the highest rates in the state, but still fall below the national average. Milwaukee's weather-related risks and statistics on dangerous roads and related accident fatalities may contribute to these higher rates.
For those seeking affordable car insurance in Milwaukee, it is worth the time to do some research. VIU by HUB enables a quote comparison from local insurance agents, which is useful for identifying the lowest rates on insurance packages to meet individual needs.
This information is intended for general informational purposes only and is not intended to constitute legal advice.