Milwaukee Car Insurance (WI)

Residents of Milwaukee, Wisconsin have the fortune of making the list of states having the least expensive car insurance premiums in the United States, in the number seven position, which means only six states have car insurance premiums lower than the ones you will pay in Wisconsin. The average auto insurance premium in Milwaukee during the year 2005 was $635, nearly $280 below the national average.

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Car Insurance Requirements in Milwaukee, WI

Accidents in Wisconsin follow the Tort system, which declares someone to be at fault for causing the accident. The at-fault driver and the insurance company will be responsible to pay for all damages. If you live and drive in Milwaukee, you must carry the Wisconsin state insurance minimums, which include $25,000 per person and $50,000 per accident in Bodily Injury Liability, and $10,000 in Property Damage Liability, or 25/50/10 coverage. You also must have $25,000 per person and $50,000 per accident for bodily injuries caused to UnInsured/UnderInsured Motorist coverage in the event the accident's injuries are caused by an uninsured driver. Personal Injury Protection is not a state mandated requirement, but it is often recommended that people carry this optional coverage in addition to the minimums.

Car Theft in Milwaukee

Car thefts is a concern in Milwaukee, and the type of car you drive will largely affect your car insurance premiums. In the year 2004 alone, over 5,000 vehicles were stolen in Milwaukee. The top 10 stolen vehicles in Milwaukee include:

1. 1992 Oldsmobile Cutlass
2. 1990 Buick Le Sabre
3. 1990 Toyota Camry
4. 1990 Buick Century
5. 1991 Honda Civic
6. 1990 Oldsmobile Delta 88
7. 1995 Ford Taurus
8. 1994 Dodge Caravan
9. 1988 Chevrolet Cavalier

Saving Money on Your Car Insurance

Many of the most commonly stolen vehicles are small and inexpensive - but they will still have higher insurance premiums due to their increased risks of being stolen. Driving vehicles that are not on the top 10 stolen vehicle list; as well as those that have received high safety ratings, will result in even lower insurance premiums.

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