Cheap Auto Insurance in Wisconsin (2023)

With so many options available, you may not know how to find the best car insurance for your situation. In general, the “best” car insurance for you will provide the coverage you need at a price you can afford. For example, the best coverage option for a family of four likely won’t match the ideal policy for a student driver.

Wisconsin drivers pay about 15.6% more for car insurance than the national average with a state average of $173 per month, according to Insurify data. However, many different factors influence the cost of coverage, including your age, driving history, credit record, and vehicle type.

Best car insurance companies in Wisconsin

The best auto insurance company for you will depend on your personal situation and needs. Find some of the best insurance companies in Wisconsin for different types of drivers listed below, based on what you value in an insurer.

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Best car insurance overall: State Farm

State Farm earned its place as the best car insurance overall in Wisconsin thanks to its high customer satisfaction, low rates, and an IQ Score of 4.4 out of 5. The company topped all other property and casualty insurers in the American Customer Satisfaction Index’s Insurance and Health Care Study from 2022, scoring an 80 out of 100.^[1]

State Farm offers something for everyone — with insurance for rideshare drivers, good student discounts for teen drivers, and coverage for sports cars. With the company’s Drive Safe & Save program, good drivers could save as much as 30% on their insurance premiums.

Best cheap car insurance in Wisconsin: GEICO

GEICO provides the best cheap car insurance in Wisconsin due to its low rates and ample available discounts. Drivers pay a monthly average of $64 for liability-only and $77 for full-coverage insurance. GEICO customers benefit from personalized vehicle coverage for their situation and quality customer service, and the company earned an IQ Score of 4.3.

GEICO offers five discount areas where you can save money: vehicle equipment, driving history, driver’s education, driver affiliations, and customer loyalty. For example, you could save up to 23% just by having an airbag in your vehicle, or 5% for having anti-lock brakes.

Drivers can also earn a discount for taking a defensive driving course, being in the military, or working for the federal government. The company offers more ways to save than nearly any other insurer.

Most affordable car insurance in Wisconsin: USAA

For military members, veterans, and their families, USAA offers the cheapest average rates for eligible Wisconsin drivers for both liability and full-coverage insurance. Auto coverage from USAA costs an average of $45 per month for liability only and $55 per month for full coverage.

Customers may pay even less by utilizing the wide variety of discounts USAA offers, including discounts for good students, good drivers, military members, loyal customers, bundling, and more.

The company received an IQ Score of 4.5, making it the highest-rated insurer on the list. You can conveniently manage your policy with the company’s mobile app.

Best for full coverage: Progressive

When you sign up with Progressive, you can customize your car insurance to meet your unique needs, making it the best option for full-coverage insurance in Wisconsin. The company offers coverages that many other insurers don’t, like rideshare and loan payoff coverage. You can also add uninsured motorist coverage to protect you from uninsured drivers.

However, at an average price of $173 per month for full-coverage insurance, Progressive doesn’t offer the most affordable option for Wisconsin drivers. The company has a good reputation, but it received a below-average rating for customer satisfaction in the J.D. Power 2022 U.S. Auto Insurance Study.

Best for commuters: Liberty Mutual

The best option for Wisconsin drivers who commute to work on a daily basis, Liberty Mutual offers good drivers a chance to save through the RightTrack program. Drivers who spend a lot of time on the road tend to pay more for insurance, but the company offers numerous ways to save on premiums.

For example, Liberty Mutual claims you could save $950 by bundling your home and auto insurance. You can also earn a discount if you have a clean driving history or if you complete the company’s safe driver program.

Best for families: Farmers

Farmers is the best option for families, since you can save by purchasing multiple policies. For example, you could bundle your home and auto insurance, or you could earn a multi-car discount by insuring more than one driver in your household.

The company processes claims quickly and has high rankings for customer feedback. Drivers pay an average of $112 per month for full coverage, which falls below the state average for Wisconsin.

Best for students: American Family

The best choice for student drivers, American Family offers a good-student discount for drivers under the age of 25. Students enrolled full-time in high school, college, or a vocational school may qualify.

On average, customers pay $68 per month for liability and $83 per month for full coverage. The total amount you can save depends on where you live. Students can also save money by proving they drive safely or that they volunteer at least 40 hours a year. The company provides quality coverage and earned an IQ Score of 4.3.

Best for outdoor enthusiasts: Travelers

Travelers’ auto insurance policies come with a number of features that may benefit outdoor enthusiasts or anyone who travels regularly. For instance, you can purchase non-named coverage, which works well for anyone who frequently rents cars or uses car-sharing services.

You can also bundle your car insurance with motorcycle, boat and yacht, or travel insurance. Travelers charges fairly inexpensive premiums, with the average full-coverage plan costing just $105 per month.

Best for high-risk drivers: Erie

High-risk drivers in Wisconsin should consider Erie. The company offers affordable plans for drivers with a history of tickets, accidents, and DUIs. You can find a full-coverage policy for an average of $152 per month.

Once you purchase car insurance, Erie gives you the option to lock in your rate. Your rates won’t increase unless you move or add another driver to your policy. Erie only offers auto insurance in 12 states, including Wisconsin.

Best for renters: Allstate

Bundling multiple policies together is one of the best ways to save on insurance. If you currently rent a home or apartment, Allstate makes it easy to bundle your renters and car insurance to save money. If you contact an Allstate agent to learn more, they can help you find additional discounts based on your circumstances.

On average, customers pay $133 per month for liability and $163 per month for full coverage. Allstate earned a 4.1 IQ Score.

How Insurify rates the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.

The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across driver ages, genders, credit scores, and driver profiles for Wisconsin drivers.

How to shop for the best car insurance in Wisconsin

Because everyone has different circumstances, no single policy works best for every driver. Consider these five factors when determining which policy makes the most sense for you:

1. How often you drive: The more time you spend behind the wheel, the greater likelihood you have of getting into an accident, so your policy should reflect this. If you spend a lot of time driving for work, you’ll need higher coverage levels. If you spend very little time driving, you may want to opt for less coverage.

2. Your vehicle type: If you drive a sports car or luxury vehicle, you’ll probably pay more for insurance, since these cars cost more to repair or replace. On the other hand, if you drive a vehicle equipped with safety features, you may earn a discount on your auto insurance.

3. Where you live: If you live in an urban area and park your car on the street, you’ll pay more for insurance, since your car is at higher risk for vandalism or theft. Whereas you may pay less for insurance if you live in the suburbs.

4. Whether you share the vehicle: If other people regularly drive your car, you need to include them on your insurance policy as well. For instance, if your teenage daughter regularly drives your car, your insurance premiums may increase.

5. The legal requirements: Finally, you need to consider the legal insurance requirements to ensure you comply with state mandates. Most states, including Wisconsin, require that you purchase at least minimum liability insurance.^[5]

How to get the cheapest car insurance in Wisconsin

Once you understand the different factors affecting your car insurance rates, you can find ways to lower your rates. Here are five strategies you can use to find cheap car insurance in Wisconsin:

• Choose a higher deductible. If you set a higher your deductible, you’ll pay less on your monthly premiums. However, make sure you can realistically afford to pay the deductible out of pocket if you have an auto accident.

• Bundle your home and auto insurance. Insurance companies will often give you a discount if you purchase multiple insurance policies from them. Most people can save money by bundling their home or renters and auto insurance policies.

• Take advantage of discounts. Most insurance companies offer a variety of discounts to new customers. For instance, teen drivers can save money with a good student discount. Drivers who spend very little time on the road or carpool to work may earn a low-mileage discount.

• Improve your credit score. Most states allow car insurance companies to consider your credit information when pricing your auto insurance. Research shows that people with good credit file fewer claims. Focus on keeping your credit balances low and paying your bills on time to improve your credit score.^[6]

• Shop around. Comparing quotes from several different insurers is one of the best ways to save on auto insurance. You can use an insurance comparison site like Insurify to receive quotes from multiple companies in one place.

See More: The 2023 Guide to Car Insurance Discounts

Minimum car insurance requirements in Wisconsin

Wisconsin state law requires all motor vehicle drivers to have proof of insurance. If the police catch you driving without insurance, you could face a fine of up to $500. You need to meet the state’s minimum auto insurance requirements to legally drive in Wisconsin.^[7]

Liability-only vs. full-coverage insurance in Wisconsin

Wisconsin state law requires that all drivers purchase minimum liability auto insurance. Liability insurance covers property damage and bodily injury for the other driver involved in the accident. However, it won’t cover any damages to your vehicle.

In comparison, full-coverage insurance includes collision and comprehensive coverage. Collision insurance will cover the cost of repairing or replacing your vehicle following a collision. And comprehensive coverage reimburses you if your car faces non-collision damage from vandalism, natural disasters, and more.

If you purchase liability insurance, you’ll meet the state requirements, but it may not provide the amount of coverage you need. If you want a higher level of protection, you should opt for full-coverage insurance.

Many of these insurers provide full-coverage policies for less than $100 per month.

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Wisconsin car insurance rates by driving and accident history

Your driving history influences your car insurance costs significantly. If you have a history of speeding tickets, driving under the influence, or at-fault accidents, your insurance company will consider you a high-risk driver.

As you can see below, drivers with clean records receive the lowest average premiums, while drivers with a DUI face the highest premiums.

Learn More: Cheapest Car Insurance by Driving Record

SR-22 insurance in Wisconsin

Filing an SR-22 form with the state shows you’ve met the state’s minimum car insurance requirements. Wisconsin residents have to file an SR-22 certificate in the following situations:^[8]

• To obtain an occupational license after license suspension or revocation

• To reinstate your driving privileges following revocation

• To reinstate your license after a damage judgment or uninsured motorists/safety responsibility law suspension

• For drivers younger than age of 18 without a sponsor

Read More: The Complete Guide to SR-22 Insurance

Wisconsin car insurance quotes by credit tier

Wisconsin state law allows insurers to consider credit scores when determining insurance premiums.

“Many insurance carriers will look at credit before driving history,” says Christina Shaw, an insurance agent with Allstate. “We do not see your FICO score like a mortgage lender but rather an insurance credit score.”

Insurance companies use credit-based insurance scores to determine how your credit history may predict an insurance loss and claims filing. Drivers with excellent or good credit scores will qualify for lower insurance premiums than people with poor credit scores.

Car insurance quotes in Wisconsin cities

The average cost of car insurance varies by your state and the city you live in. In Wisconsin, drivers in Milwaukee pay the highest monthly premiums for car insurance, while drivers in Appleton pay the least.

Average rates differ because certain cities have higher rates of theft or vandalism. In addition, certain cities may have more frequent litigations, a higher rate of auto insurance fraud, or more extreme weather conditions.

The following tables outline the least expensive and most expensive Wisconsin cities to buy car insurance.

Least expensive cities in Wisconsin

Most expensive cities in Wisconsin

Wisconsin car insurance rates by driver age

Your age affects your insurance rates, and drivers younger than 25 almost always pay high rates for auto insurance. Teenagers pay the most for insurance due to their lack of driving experience, but rates decrease for Wisconsin drivers until they reach 80.

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Car insurance in Wisconsin FAQs

Insurify Insights

How Wisconsin Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Wisconsin below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Wisconsin drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Honda Civic

Most Popular Car in Wisconsin

#3

State with the Most Speeding Tickets Rank

#7

State with the Moving Violations Rank

#10

State with the Most DUIs Rank

#16

State with the most Suspended Licenses

• Accidents in Wisconsin

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wisconsin is the #26 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #26
  • Percent of drivers in Wisconsin with an accident: 8.5%
• DUIs in Wisconsin

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wisconsin is the #10 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #10
  • Percent of drivers in Wisconsin with a DUI: 2.1%
• Reckless Driving in Wisconsin

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Wisconsin is the #1 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #1
  • Percent of drivers in Wisconsin with a reckless driving offense: 2.4%
• Rude Driving in Wisconsin

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Wisconsin is the #3 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #3
  • Percent of drivers in Wisconsin with a rude driving violation: 2.6%
• Speeding in Wisconsin

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Wisconsin is the #3 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #3
  • Percent of drivers in Wisconsin with a speeding ticket: 13%
• Failure to Yield Rates in Wisconsin

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wisconsin is the #17 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #17
  • Percent of drivers in Wisconsin with a failure to yield violation: 0.2%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.