Auto Insurance in Wisconsin

Wisconsin & Minnesota Auto Insurance That Works for You

Did you know Wisconsin requires every driver to carry a minimum of $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 in property damage coverage? While that meets the legal standard, it may not be enough to cover the real costs of a serious accident. At B&B Insurance Services in New Richmond, we help drivers across Wisconsin and Minnesota understand their options and build a policy that offers more than just the bare minimum.

Coverage Options for Every Driver

Whether you are commuting through Hudson, hauling kids to school in Star Prairie, or driving across state lines into Minnesota, the right auto coverage should follow your life. As an independent agency, we compare rates and coverage options from multiple trusted carriers to find the policy that fits your budget and your driving habits. We offer:

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured and Underinsured Motorist Coverage
  • Medical Payments Coverage
  • Roadside Assistance
  • Rental Reimbursement

Serving Wisconsin and Minnesota Drivers

Wisconsin and Minnesota each have their own auto insurance requirements, and knowing the difference matters. Minnesota is a no-fault state, which means your own insurance covers your medical expenses and lost wages after an accident regardless of who caused it. Every Minnesota auto policy must include at least $40,000 in Personal Injury Protection, or PIP, split between $20,000 for medical costs and $20,000 for non-medical expenses, plus 30/60/10 liability limits and mandatory uninsured and underinsured motorist coverage. Those minimums run noticeably higher than Wisconsin's, so anyone who regularly crosses the St. Croix River into the Twin Cities needs a policy built to satisfy both states. We work with drivers on both sides of the state line to make sure their coverage meets local requirements and actually protects them when it counts.

Why Drivers in New Richmond Trust B&B Insurance Services

We are not a 1-800 number. We are a local agency that has called New Richmond home since 2008, and we know the roads, the winters, and the unique needs of drivers in the St. Croix Valley. When your rate changes at renewal or you have a question after a fender bender on Highway 64, you can call us directly and talk to someone who knows your policy by name. That is the kind of service that makes a real difference.

Start your free auto insurance quote online in just a few minutes, or reach out to our team to talk through your coverage options with a local agent who actually knows your area.