Cheap Auto Insurance in Wisconsin (2024)

USAA offers the cheapest car insurance in Wisconsin, with rates starting at $22 per month for minimum coverage.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated March 14, 2024

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With more than 5.9 million residents and extreme winter weather, Wisconsin poses some challenging conditions for drivers. Yet the Badger state's car insurance rates are on par with national averages. Full-coverage car insurance costs a monthly average of $136 in Wisconsin, while liability-only insurance averages $61 per month. By comparison, the national averages are $212 and $103, respectively.

Wisconsin's low fatality rate of just under 1% and moderate population density likely contribute to its affordable car insurance rates. Still, Wisconsin drivers should compare quotes from multiple insurers to find the coverage they need at the lowest price available to them.

Quick Facts
  • USAA, Auto-Owners, and State Farm are the cheapest car insurance companies in Wisconsin.

  • Wisconsin had 128,830 traffic accidents in 2022 (the most recent data available), of which 547 resulted in fatalities.[1]

  • Speed was a factor in 17,895 accidents in 2022, and caused 162 fatalities, according to Wisconsin Department of Transportation data.

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.

Find Car Insurance in Wisconsin

Liability-only policies start as low as $22/mo.

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Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality (IQ) Score
State FarmOverall$234.5
GEICOLow rates$314.2
USAAMilitary community$224.5
Mile AutoLow-mileage drivers$353.5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance overall: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$23/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$45/mo

State Farm earned its place as the best car insurance overall in Wisconsin thanks to its high customer satisfaction and low rates. The insurer also ranked above-average for overall customer satisfaction in the J.D. Power 2023 U.S. Auto Insurance Study.[2]

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 usage-based Drive Safe & Save program, good drivers could save as much as 30% on their insurance premiums.

Pros
  • Affordable liability and full-coverage premiums

  • Above-average customer satisfaction rankings from J.D. Power

  • A++ (Superior) financial strength rating from AM Best, the highest level possible

Cons
  • Doesn’t offer gap insurance

  • Higher average rates for drivers with a bad driving history

  • Accident forgiveness coverage only available to long-time customers

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best cheap car insurance in Wisconsin: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$31/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo

GEICO offers some of the cheapest rates in Wisconsin, and allows drivers to personalize their vehicle coverage. It's also known for quality customer service. GEICO offers numerous discounts for vehicle equipment, driving history, driver's education, driver affiliations, and customer loyalty. Drivers can also earn discounts for take a defensive driving course, being in the military, or working for the federal government.

Pros
  • Numerous discounts available

  • Personalized car insurance coverage

  • Above-average customer satisfaction rankings from J.D. Power

Cons
  • Fewer coverage options than some auto insurers (no gap or rideshare insurance)

  • High average premium rates for drivers with a past DUI

  • Limited number of local agents

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best for the military community: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo

Wisconsin is home to more than 308,000 veterans, and multiple military sites. Active-duty military members, veterans, and their families will find cheap rates and excellent customer service from USAA. The insurer was the highest-scoring company for customer satisfaction in J.D. Power's 2023 U.S. Auto Insurance Study. In addition to low rates, USAA offers multiple ways to save even more, including discounts for good students, good drivers, loyal customers, bundling, and more.

Pros
  • Cheapest average premiums for Wisconsin drivers

  • Highly rated mobile app

  • SafePilot telematics program allows drivers to save up to 30% on premiums

Cons
  • Coverage restricted to members of the military community

  • Doesn’t offer gap insurance

  • Doesn’t offer 24/7 live customer support over the phone

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$35/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$55/mo

Wisconsin motorists who don't drive much can find good rates with Mile Auto. The insurer uses miles driven, as well as other common rating factors, to determine your premiums. The lower your monthly mileage, the more you can save. Mile Auto offers full-coverage and liability-only policies, as well as uninsured/underinsured motorist, personal injury protection, and rental reimbursement coverages.

Pros
  • Low rates for drivers with low mileage

  • No tracking devices needed to track miles

  • Common optional coverages available

Cons
  • No discounts available

  • Only sells car insurance, so no bundling discounts available

  • Not available in every state

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 teen 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.[3]

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 collision or comprehensive 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. Actuarial data 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.

  • 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.

The Insurify Guide to Car Insurance Discounts

The Insurify 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.

Type of CoverageMinimum Liability Coverage Amount
Property damage$10,000
Injury or death of one person$25,000
Injury or death of more than one person$50,000
Uninsured motorist coverage for one person$25,000
Uninsured motorist coverage for two or more people$50,000

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 with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage. 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.

The table below shows average monthly quotes from top insurers in Wisconsin.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
USAA4422
State Farm4523
Auto-Owners4623
Mile Auto5535
GEICO6131
Erie6130
American Family6633
Chubb7638
Safeco7845
Clearcover8048
Farmers8945
Nationwide9045
Midvale Home & Auto10456
Progressive10653
Travelers11558
Liberty Mutual12759
Allstate12965
Direct Auto14884
State Auto15374
National General15364
The General16580
Dairyland19868
Bristol West22582
Foremost256103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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 for liability coverage, while drivers with a DUI face the highest premiums.

The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean RecordAt-Fault AccidentDUISpeeding Ticket
USAA22313630
Auto-Owners23323832
State Farm23323831
Erie30454545
GEICO31435142
American Family33465546
Mile Auto35565854
Chubb38536353
Safeco45697467
Nationwide45637462
Farmers45637461
Clearcover48797971
Progressive53778875
Travelers58829680
Liberty Mutual59889886
National General649110688
Allstate659110889
Dairyland689711396
The General80115132113
Bristol West82114136114
Direct Auto84121139118
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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:

  • 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

Wisconsin car insurance quotes by credit tier

Wisconsin state law allows insurers to consider credit history when determining insurance premiums. Insurance companies use information from your credit record to generate a credit-based insurance score meant to predict your likelihood of filing a claim. 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.

Location affects car insurance costs due to factors such as traffic congestion, accident frequency and severity, vehicle theft and vandalism rates, number of litigated claims, and more extreme weather conditions.

The following table shows average monthly rates for cities in Wisconsin.

CityFull CoverageLiability Only
Kenosha$138$69
Madison$126$60
Milwaukee$202$91
Racine$132$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 and high accident frequency. Rates tend to decrease as drivers get older, but begin creeping up again after age 70 due to an increased risk of accidents for senior drivers.

Age GroupAverage Monthly Quote
Teenagers$280
Under 25$215
25-29$190
30s$169
40s$149
50s$125
60s$118
70s$105
80+$120
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Wisconsin

Minimum-coverage policies start at $22/mo.

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Car insurance in Wisconsin FAQs

Deciding on the right auto insurer for you requires some research and thoughtful consideration. If you still have questions on your mind, you’ll find more information below.

  • Which company has the cheapest car insurance in Wisconsin?

    The three cheapest insurers in Wisconsin are USAA, Auto-Owners, and State Farm, according to Insurify data. USAA's liability rates start at $22 per month, while Auto-Owners, and State Farm offer liability-only rates of $23 and $23, respectively.

  • What is the required car insurance coverage in Wisconsin?

    Wisconsin state law requires drivers to have proof of insurance. If you’re caught driving without insurance, you could face a fine of up to $500.

    Here are the minimum auto insurance requirements you’ll need to meet:

    • $10,000 for property damage

    • $25,000 for the injury or death of one person

    • $50,000 for the injury or death of more than one person

    • $25,000 for uninsured motorist coverage for one person

    • $50,000 for uninsured motorist coverage for two or more people

  • What are the best car insurance companies in Wisconsin?

    State Farm, USAA, Mile Auto, and GEICO are the best car insurance companies in Wisconsin, due to their price, Insurify rankings, discounts, coverage options, and customer satisfaction.

  • How does credit affect car insurance premiums in Wisconsin?

    Almost every state allows car insurance companies to consider your credit history when pricing auto insurance. Actuarial data shows that drivers with good credit file fewer claims, making them less risky to insure. In general, the lower your credit score, the more you’ll pay for auto insurance.

  • Is Wisconsin a no-fault state?

    No. Wisconsin follows a fault-based system, which means the driver responsible for the accident must pay for damages. These damages can include injuries, lost income, vehicle damage, and more.

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

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

  • 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%
  • 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 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%
  • 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%
  • 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%
  • 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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Wisconsin Department of Transportation. "Final year-end crash statistics." Accessed February 27, 2024
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed February 27, 2024
  3. Insurance Information Institute. "8 questions to ask before buying auto insurance." Accessed April 13, 2023
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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