Cheapest Auto Insurance in Wisconsin (2025)

With 5.9 million residents and regular severe winter weather, Wisconsin isn’t necessarily a state you might associate with low auto insurance costs.

But despite potential problems on the road, the overall average cost of auto insurance in Wisconsin is $95 per month, which is significantly cheaper than the national average of $150 per month. Wisconsin’s relatively low vehicle fatality rate per population and per miles driven may play a part in the difference in price.^[1]

Here’s what you need to know about comparing quotes and finding the lowest car insurance rates in Wisconsin.

3 of the cheapest car insurance companies in Wisconsin

The insurer offering the cheapest car insurance rates in Wisconsin won’t be the same for every driver. Insurance companies set your premium rates using a variety of factors, including your driving record, marital status, ZIP code, coverage level, and type of car you drive.

To find the best insurance at the right price, you may want to start your search with State Farm, Erie, and Auto-Owners, since these companies offer some of the lowest average rates in the Badger State.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Average Quote: Full Coverage	Average Quote: Liability Only	Best For
State Farm	9.3	$59	$37	Cheap rates
Erie	8.4	$79	$50	Claims
Auto-Owners	8.2	$60	$38	Optional coverages

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

cheap rates

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User Reviews	4.1 6,043 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$37/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.	$59/mo

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Driver Reviews

4.1

Best choiceBased on 11,264 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,043)

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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).

A++

Why we picked this company

As the largest auto insurance company by market share, State Farm can be an easy car insurance choice for the frugal Wisconsin driver. Not only is State Farm widely available in the Badger State and across the country, but it also offers a full array of coverage options, including car rental and travel expenses, roadside assistance, medical payments, and rideshare coverage.

Customers in the North Central region also rank State Farm highly for customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Insurance Study. The company earned a score of 837 on a 1,000-point scale, above the region average of 825.

Pros

• Rideshare coverage available

• Discount programs specifically tailored to young drivers

Cons

• Gap insurance not available

• Policies only available through a State Farm agent

Best insurer for claims: Erie

claims

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User Reviews	4.0 184 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.4 /10
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.	$50/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.	$79/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 349 verified guest reviews and ratings

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best For

High customer satisfaction

Competitive rates

Optional coverages

How drivers feel about Erie Insurance

Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.

AI-generated from the text of verified reviews collected by Insurify

Best For

High customer satisfaction

Competitive rates

Optional coverages

Reviews (184)

David

June 19, 2025

Verified Review

Searching for lower costs

Cheapest as far as cost so far.

Thomas

June 2, 2025

Verified Review

Average

I had full coverage on two cars. When I switched to one car, I had to pay more.

Mark

May 25, 2025

Verified Review

Excellent

A good but expensive insurance.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

700

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.68

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).

A+

Why we picked this company

Erie insurance got its start in 1925 with the aim of offering excellent customer service. The company now distinguishes itself with money-saving programs like Rate Lock, which ensures your rates won’t go up after a claim, unless you add or remove a driver from your policy or change your residence. 

Additionally, Erie is the fourth highest-rated car insurance company by the Crash Network, which grades dozens of U.S. auto insurance companies each year on how well they ensure quality repairs and customer service for motorists. This means Erie policyholders can feel confident that if they’re in an accident, their insurance company will ensure the necessary repairs are taken care of with quality parts and no pressure to cut corners.

Pros

• Rideshare coverage available

• Many optional coverages

Cons

• Low-rated mobile app

• Higher-than-average number of complaints, according to the National Association of Insurance Commissioners (NAIC)

Best insurer for optional coverages: Auto-Owners

optional coverages

Compare Quotes

User Reviews	3.9 119 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
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.	$38/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.	$60/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 202 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (119)

Roy

June 5, 2025

Verified Review

I don't have anything to add

Good company, but I didn't care for their premiums going up this year just for liability and roadside service.

Ann

June 1, 2025

Verified Review

Satisfaction

I like paying all at one time.

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

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).

A++

Why we picked this company

Since its founding in 1916, Auto-Owners has provided affordable insurance and great optional coverages through a network of independent insurance agents. Some of the optional coverages that Wisconsin drivers may be most interested in include additional expense coverage that helps you pay for incidentals if your car has damage from an accident; loan or lease gap coverage; diminished value coverage; and rental car coverage.

Pros

• Many available discounts

• At-fault accident forgiveness available

Cons

• Quotes not available online; must work with an agent

• Lower mobile app rating than some other insurers

How to get the cheapest car insurance in Wisconsin

Finding the cheapest car insurance in Wisconsin requires some shopping around, since the specific factors that each insurance company uses to set rates may vary. Even if you have a similar driving record, vehicle, and type of coverage as another driver, your location, age, gender, marital status, and credit history could affect how much you pay compared to a similar driver.

But you can use a number of strategies to lower the cost of your car insurance policy, including:

• Drive safely. The cheapest rates are available to people with a clean driving history.

• Bundle insurance products. To get the best deal on insurance coverage, you may want to purchase all your insurance from the same company. Whether you need renters insurance, home insurance, or another insurance product, bundling that insurance with your auto policy can help you lower the cost of car insurance.

• Increase your deductible. Before your car insurance coverage will pay for a claim, you’re responsible for paying the deductible. Increasing your deductible may help you get the cheapest rates, but that doesn’t always mean you’re getting the best deal. Make sure you have enough money to cover the higher deductible in case of a car accident since you’ll have to pay the deductible before your insurance company pays for your property damage.

Low-cost car insurance in Wisconsin

Wisconsin doesn’t have a program to help low-income drivers find affordable car insurance. But if you’re looking to lower your car insurance costs in Wisconsin, you should make sure you’re shopping and comparing quotes every six months from at least three to five companies. Comparing car insurance options allows you to make sure you’re always getting the cheapest deal on your policy.

Find Cheap Car Insurance in Wisconsin

Liability rates start at $36 per month

Enter your ZIP codeView My Quotes

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Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance quotes in Wisconsin: USAA

Liability-only car insurance is the minimum coverage to drive legally in a state. This kind of coverage includes bodily injury liability and property damage liability coverage. Together, these two types of coverage pay for medical expenses stemming from an accident you caused and to repair or replace the other party’s damaged property. But liability insurance doesn’t pay for your own injuries or vehicle repairs if you’re at fault in an accident.

In Wisconsin, liability insurance costs an average of $65 per month. The following companies offer cheap rates for minimum-coverage car insurance:

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$36
State Farm	$37
Auto-Owners	$38
Progressive	$48
Erie	$50
American Family	$54
GEICO	$56
Direct Auto	$63
Chubb	$63
Dairyland	$65
Safeco	$65
Bristol West	$68
Farmers	$73
Nationwide	$74
GAINSCO	$77
Root	$81
The General	$86
Travelers	$95
Allstate	$107
National General	$108
Liberty Mutual	$116
State Auto	$141

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Wisconsin: USAA

While the minimum liability insurance to comply with Wisconsin state law may be all you need to drive legally, many drivers may prefer full-coverage car insurance as additional financial protection.

Full-coverage insurance generally includes collision coverage, which pays to repair or replace your vehicle if you cause an accident, and comprehensive coverage, which pays to repair or replace your vehicle if it has damage from anything other than a collision, such as weather, vandalism, animal damage, or theft.

Wisconsin drivers pay a monthly average of $126 for full-coverage insurance. Check out these companies offering cheap full-coverage car insurance:

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
USAA	$57
State Farm	$59
Auto-Owners	$60
Clearcover	$76
Erie	$79
GEICO	$83
American Family	$86
Progressive	$98
Chubb	$99
Safeco	$107
Farmers	$116
Nationwide	$117
Direct Auto	$121
Bristol West	$135
Travelers	$150
Root	$156
Allstate	$169
Liberty Mutual	$173
National General	$176
The General	$187
Dairyland	$219
State Auto	$224
GAINSCO	$262

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Wisconsin

Under Wisconsin law, all drivers must carry minimum levels of liability insurance and must provide proof of insurance at traffic stops and after accidents or collisions.

Driving without insurance could result in a $500 fine. If you have insurance but can’t provide proof of it to police during a traffic stop, you may face a $10 fine. The state reserves the most serious fine for people who offer proof of insurance that turns out to be fraudulent — these drivers face a fine of up to $5,000.^[2]

The minimum Wisconsin auto insurance requirements are as follows:

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$10,000 per accident

Though the above coverage levels are the minimum state requirement in Wisconsin, you may want to increase your coverage limits for bodily injury and property damage liability. This will ensure that a major collision won’t exhaust your insurance coverage.

It may also be a good idea to consider adding these types of coverage to your auto insurance policy for more financial protection:

• 

  Uninsured/underinsured motorist coverage

  If an uninsured motorist causes a collision, uninsured/underinsured motorist coverage will pay for your property damage or medical bills. This may be an important coverage to add in Wisconsin since 15.1% of drivers in the state are uninsured.^[3]

• 

  Personal injury protection (PIP) coverage

  Personal injury protection coverage, known as PIP, pays for your medical costs in the event of an accident no matter who’s at fault. If you don’t have adequate health insurance, PIP coverage can be an important insurance to add to your policy.

• 

  Collision coverage

  If you’re at fault in an accident, collision insurance will pay for damage to your vehicle.

• 

  Comprehensive coverage

  Your vehicle can sustain damage from many things other than accidents or collisions. Comprehensive insurance will pay to repair or replace your vehicle if it has damage from something other than an accident, such as a natural disaster.

• 

  Wisconsin insurance laws/programs

  Wisconsin is a modified comparative fault insurance state, which means that anyone whom an insurer determines to be more than 50% responsible for an accident can’t sue the other party. In addition, if a driver is found to be less than 50% responsible, an insurer will reduce (by their level of responsibility) any award they receive in a lawsuit against the more at-fault driver.

  For example, a 30% at-fault driver would have their financial compensation reduced by 30%.

Cheapest car insurance companies in WI for drivers with an incident

After an incident — such as a speeding ticket, an at-fault accident, or a DUI — insurers consider these drivers as higher risk than people with a clean driving record. That’s because drivers who’ve already received a traffic citation or caused an accident are statistically more likely to make a claim.

While an incident on your driving history may result in higher insurance rates for a time, affordable options are available while you work to clean up your driving record.

Shop for Car Insurance in Wisconsin

Monthly liability rates start at $42 for drivers with an incident

Enter your ZIP codeGet My Quotes

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Based on 3,806+ reviews

4.8/5

Cheapest car insurance quotes for drivers with a speeding ticket:  USAA

Wisconsin ranks second in the nation for speeding, according to Insurify’s research. Drivers in Milwaukee have especially heavy lead feet, with more than 7,800 speeding tickets issued between January 2023 and April 2024.^[4] Since drivers who speed are more likely to get into accidents, insurance companies tend to increase rates for drivers with speeding tickets — and they may even drop a driver who is a serial speeder.

In Wisconsin, drivers with a speeding ticket pay an average of $80 per month for liability coverage. Here are some insurers who offer affordable rates to drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
USAA	$36	$44
State Farm	$37	$45
Auto-Owners	$38	$47
Progressive	$48	$59
Erie	$50	$63
American Family	$54	$67
GEICO	$56	$70
Direct Auto	$63	$77
Chubb	$63	$77
Dairyland	$65	$79
Safeco	$65	$82
Bristol West	$68	$84
Farmers	$73	$89
Nationwide	$74	$91
GAINSCO	$77	$90
Root	$81	$105
The General	$86	$111
Travelers	$95	$117
Allstate	$107	$130
National General	$108	$132
Liberty Mutual	$116	$145
State Auto	$141	$174

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: USAA

Causing an accident can also increase your insurance costs, since insurers find that drivers who cause one accident are statistically more likely to make future insurance claims.

Wisconsin drivers with an at-fault accident pay $80 per month for liability coverage and $154 per month for full coverage, on average. These insurers offer inexpensive coverage to drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
USAA	$36	$45
State Farm	$37	$46
Auto-Owners	$38	$47
Progressive	$48	$59
Erie	$50	$61
American Family	$54	$68
GEICO	$56	$65
Direct Auto	$63	$81
Chubb	$63	$78
Dairyland	$65	$81
Safeco	$65	$85
Bristol West	$68	$85
Farmers	$73	$91
Nationwide	$74	$93
GAINSCO	$77	$93
Root	$81	$101
The General	$86	$112
Travelers	$95	$119
Allstate	$107	$133
National General	$108	$133
Liberty Mutual	$116	$147
State Auto	$141	$177

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an OWI: USAA

Driving under the influence, which Wisconsin law refers to as operating while intoxicated (OWI), is a serious traffic offense and may lead to losing your insurance coverage. Someone is injured or killed every two hours in an impaired driving crash in Wisconsin, according to the state’s department of transportation.^[5]

Drivers with an OWI in Wisconsin may have trouble finding insurance they can afford, and some insurers may not cover them at all. Liability insurance costs an average of $105 per month for Wisconsin drivers with a DUI. Full-coverage rates jump to $203 per month.

The insurers in the table below offer affordable coverage to drivers with an OWI in Wisconsin:

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With OWI
USAA	$36	$55
State Farm	$37	$57
Auto-Owners	$38	$58
Progressive	$48	$77
Erie	$50	$77
American Family	$54	$83
GEICO	$56	$86
Direct Auto	$63	$97
Chubb	$63	$97
Dairyland	$65	$100
Safeco	$65	$104
Bristol West	$68	$104
Farmers	$73	$112
Nationwide	$74	$114
GAINSCO	$77	$118
Root	$81	$124
The General	$86	$132
Travelers	$95	$146
Allstate	$107	$164
National General	$108	$166
Liberty Mutual	$116	$178
State Auto	$141	$216

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: State Farm

For most drivers, the cost of insurance goes down steadily after age 35, with the highest premiums for drivers younger than 25. Young drivers lack experience behind the wheel, and as they gain more experience and expertise on the road, their premiums go down.

But this pattern changes for senior drivers around age 70, as they may start to experience physical or cognitive changes that can affect their driving abilities. Drivers in their 70s may see their premiums go up.

Senior drivers in Wisconsin pay $50 per month for minimum-coverage policies, on average.

The insurers in the table below also offer cheap car insurance for seniors in Wisconsin.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	$44	$28
State Farm	$44	$27
Auto-Owners	$46	$29
Erie	$58	$36
GEICO	$62	$42
American Family	$65	$41
Chubb	$70	$44
Progressive	$75	$37
Nationwide	$84	$53
Farmers	$86	$54
Safeco	$88	$54
Direct Auto	$90	$47
Bristol West	$104	$53
Travelers	$112	$71
Root	$125	$65
National General	$128	$78
Allstate	$130	$82
Liberty Mutual	$137	$92
The General	$143	$66
State Auto	$162	$102
Dairyland	$169	$50
GAINSCO	$207	$61

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: USAA

Teenagers pay the highest premium rates of any driver because their combined lack of experience and increased level of impulsivity make them more likely to get into a car accident.

Wisconsin teen drivers pay monthly averages of $131 for liability coverage and $253 for full coverage.

Teens can keep their insurance affordable by using these strategies:

• Stay on your parent’s insurance policy. It’ll nearly always be cheaper to stay on a parent’s policy instead of getting your own policy.

• Take a defensive driving course. Many insurers offer discounts for completing a defensive driving course.

• Drive a safe car. Cars with more safety features may unlock additional discounts from your insurer.

• Maintain good grades. Good students can qualify for discounts. 

Teen drivers and their parents may want to check out the following insurers to find cheap car insurance for teens.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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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Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
USAA	$109	$69
Auto-Owners	$113	$72
State Farm	$116	$73
GEICO	$155	$104
Erie	$155	$98
American Family	$166	$104
Progressive	$197	$97
Chubb	$217	$138
Safeco	$228	$138
Farmers	$229	$144
Nationwide	$235	$149
Direct Auto	$248	$129
Bristol West	$253	$128
Root	$283	$147
Travelers	$308	$195
Liberty Mutual	$326	$218
The General	$336	$154
Allstate	$345	$218
National General	$372	$229
Dairyland	$382	$114
GAINSCO	$511	$150
State Auto	$556	$350

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Wisconsin car insurance quotes by credit tier

The state of Wisconsin allows insurers to consider your credit history as part of the process of offering coverage and setting your rates. Insurers have determined that drivers with poor credit are more likely to file auto insurance claims than drivers with excellent credit.

This is why the average monthly rates for insurance in Wisconsin vary depending on credit tier. Here are those averages:

Wisconsin car insurance FAQs