Auto Insurance Quotes for Wisconsin and Minnesota Drivers

One quote request. Dozens of carriers compared. A real broker who knows your state's requirements and your situation.

You Might Be Overpaying — and Not Even Know It

If your current auto policy came from a captive carrier, you've only ever seen one company's rate. We shop across dozens of carriers at once, which means we can tell you quickly whether you're getting a competitive deal or leaving money on the table. Most drivers don't know there's a better option until they ask.

 

When you request a quote, we'll ask for your vehicle's year, make, model, and VIN — along with your current coverage details — so we can compare real rates, not ballpark estimates.

What Wisconsin and Minnesota Require — and What You Actually Need

Wisconsin and Minnesota have different minimum liability requirements, and knowing the difference matters if you drive across the border or own vehicles registered in both states.

 

In Wisconsin, drivers are required to carry at least:

 

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability
  • $25,000 uninsured motorist coverage per person / $50,000 per accident

 

Minnesota is a no-fault state with its own minimums, including Personal Injury Protection (PIP) coverage of at least $40,000 per person, along with $30,000 bodily injury per person and $60,000 per accident.

 

State minimums are a floor, not a recommendation. A single at-fault accident can exceed those limits quickly, and the difference out of pocket is yours to cover. Before we finalize any auto policy, we review your liability limits against both state requirements and your actual exposure — so you know exactly what you're covered for, not just what's required.

One Broker. Every Question. Every Claim.

When you call a 1-800 number, you reach whoever picks up. With Smart Stop Brokers, you reach the same person every time — someone who knows your policy, your vehicles, and your history. That relationship matters most when something goes wrong.

 

We handle claims support directly, which means you're not navigating a carrier's phone tree alone when you need help most. We also work with Only One Auto Glass as a trusted local resource for windshield and glass repair when clients need it.

Bundle Your Auto and Home Insurance for More Savings

Carriers reward loyalty across policy lines. Bundling your auto insurance with a homeowners or renters policy is one of the most reliable ways to reduce your overall premium — and because we work with multiple carriers, we can find the bundle that actually pencils out rather than defaulting to whatever one company offers.

 

If you own a home in the St. Croix Valley or the Twin Cities, ask us about combining your coverages when you request your auto quote.

What to Expect When You Request a Quote

1. Share Your Vehicle Information

Provide the year, make, model, and VIN for each vehicle you want covered. If you have your current declarations page handy, that helps us compare apples to apples.

2. We Shop Across Dozens of Carriers

We run your information across our full carrier network — not one company's product line — to find the best combination of rate and coverage for your situation.

3. Review Your Options With a Real Broker

We walk you through what each option covers, where the gaps are, and what we'd recommend based on your driving profile, state requirements, and budget. No pressure, no jargon.

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Auto Insurance Questions We Hear Often

  • How much car insurance do I need in Wisconsin?

    Wisconsin requires minimum liability limits of 25/50/10 and uninsured motorist coverage of 25/50. That said, minimum coverage often isn't enough to fully cover a serious accident. We review your actual risk exposure and recommend limits that reflect what you'd realistically need — not just what the state requires.

  • Does Smart Stop Brokers offer car insurance in Minnesota?

    Yes. We serve drivers throughout the Twin Cities metro and greater Minnesota, with an office in St. Louis Park. Minnesota is a no-fault state, which changes how claims are handled and what minimum coverage looks like. We're familiar with both states' requirements and can quote coverage for vehicles registered in either.

  • Can I get cheap auto insurance quotes in New Richmond, WI?

    We work with clients in New Richmond and throughout the St. Croix Valley regularly. Because we compare rates across dozens of carriers, we're often able to find more competitive pricing than a single-carrier agent can offer. The best way to find out is to request a quote — it takes a few minutes and there's no obligation.

  • What information do I need to get an auto insurance quote?

    We'll ask for the year, make, model, and VIN of each vehicle, along with your current coverage details if you have them. Your driving history and the primary location where the vehicle is garaged will also factor into the rate. The more complete the information, the more accurate the quote.

  • Can I bundle my auto insurance with other policies?

    Yes, and it's usually worth doing. Bundling auto with homeowners, renters, or other personal lines coverage often qualifies you for a multi-policy discount across several of our carriers. We'll factor that in when we run your quote.

Ready to See What You Could Be Paying?

We serve drivers in New Richmond, Hudson, Eau Claire, St. Louis Park, and across Wisconsin and Minnesota. One quote request is all it takes to find out whether you're getting the best available rate — and whether your coverage actually holds up when you need it.