Cheap Car Insurance in Wisconsin (With Quotes, May 2022)

When it comes to finding the cheapest auto insurance in Wisconsin, most motorists are turned off by the process of shopping for quotes. You want to find the best car insurance rates, but how do you know which company is the best? Insurify is here to help. Our quote-comparison tool finds the best rates from top companies to save you money on Wisconsin auto insurance.

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Wisconsin is a great place to live. Generally, the cost of living is about the same as (or a little below) the national average. However, rising prices have many people looking for ways to save money. One area you can save is car insurance. Travelers has the cheapest average cost for car insurance premiums in Wisconsin.

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Cheapest Liability Auto Insurance in Wisconsin

Liability car insurance protects you if you’re ever at fault for a car accident. It can pay for another driver’s property damages and bodily injury, but it doesn’t pay to repair your own vehicle. On average, the cheapest liability auto insurance is from State Auto at $61 per month.

Cheapest Full-Coverage Auto Insurance in Wisconsin

Full-coverage car insurance typically includes liability insurance, comprehensive coverage, and collision coverage. It’s more expensive than basic liability protection, but full-coverage policies don’t have to cost an arm and a leg—Wisconsin drivers can expect to pay an average rate of $108 to $141 per month.

When you need a car insurance policy, it’s important to consider all of your options. You might think that the most expensive option is automatically better, but that isn’t always true for insurance policies. The best car insurance policies in the Badger State cost an average of $102 to $163 per month.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Auto insurers can use your driving history as one factor in determining your car insurance quote. The more accidents or violations you have—like speeding tickets, at-fault accidents, and DUIs—the higher your premium usually is.

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Cheap Car Insurance for Good Drivers in Wisconsin

Compare auto insurance quotes from at least three insurers to get cheap car insurance for good drivers. You might start with National General and Travelers—both companies offer the lowest average monthly rates if you have a clean driving record.

Cheap Car Insurance for Drivers with DUI in Wisconsin

Getting cheap car insurance quotes with a DUI in Wisconsin can be a real challenge. DUI stands for “driving under the influence,” and an arrest or conviction will negatively affect your auto insurance rates. Here’s where to look for the cheapest car insurance if you’re in this situation.

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SR-22 Insurance in Wisconsin

An SR-22 is a document you submit to the Wisconsin Division of Motor Vehicles (DMV). The certificate is typically required of high-risk drivers in Wisconsin. For example, you may need an SR-22 in Wisconsin if you want an occupational license after your driver’s license is suspended or revoked, to reinstate your driving privileges, and to drive if you’re under age 18.

The insurance companies listed below offer SR-22 in Wisconsin:

Cheap Car Insurance for Drivers with an At-Fault Accident in Wisconsin

Even if you’re only slightly at fault for an accident, your car insurance rates can increase. But getting a great rate on car insurance after an at-fault accident may be easier than you think. You can discover the cheapest rates from Wisconsin auto insurers like Travelers, Progressive, and Novo.

Cheap Car Insurance for Drivers with Speeding Tickets in Wisconsin

If you have any speeding tickets on your driving record, you should expect to pay more for auto insurance. A speeding ticket can raise your rates by hundreds of dollars per year. That’s why it’s important to find cheap car insurance quotes from providers that offer the lowest rates to drivers with speeding tickets—like Progressive, Travelers, Novo, and MetLife.

Credit scores influence how much we pay for auto insurance. If you have good credit, then chances are that you will receive some great rates on your car insurance policy. However, some states don’t allow insurance providers to use your credit score as a factor in auto insurance rates.

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When shopping for car insurance quotes, remember that rates vary from one city to another. It isn’t something you usually consider if you’re looking for a place to live, but consider the impact car insurance rates can have on your budget before signing a lease or putting in an offer on a home.

Car insurance rates depend on a variety of factors, including your state, driving record, insurance coverage limits, and age. Young drivers are generally more likely to be in an accident than older drivers. Teen drivers and young adults should expect to pay more, but you tend to see rates go down once you hit age 30.

Every state has minimum insurance requirements, and Wisconsin is no exception. Additionally, all drivers in Wisconsin will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Wisconsin.

Minimum Car Insurance Requirements in Wisconsin

Wisconsin motorists are required to purchase auto insurance coverage meeting these minimums:

• $25,000/$50,000 for Bodily Injury Liability
• $10,000 for property damage liability
• $25,000/$50,000 uninsured motorist coverage for bodily injury or death

Considering the cost of medical care—and the cost of vehicles younger than six years—these minimums may not be enough to cover costs in the event of an accident. This is especially true if you typically drive with passengers in your vehicle as your insurance will be your safety net for all medical costs involved in an at-fault accident.

Wisconsin DMV Information

The Wisconsin DMV has services for drivers, identification, vehicles, and other tasks. You can renew or replace your driver’s license, schedule a road test, apply for vehicle title and plates, change your address, and get a copy of your driver record. Find Wisconsin DMV locations near you for the services you need.

Public Transportation in Wisconsin

If you don’t own a car, your options for transportation are public transit, biking, and walking. The state of Wisconsin public transit system includes county-wide and multi-county systems. It runs throughout the state and can get you from city to city, including Green Bay to Eau Claire.

The best way to get the cheapest car insurance in Wisconsin is by shopping around to compare rates. Taking advantage of discounts is another way to lower your auto insurance costs. Insurify can help you with both options—get car insurance quotes with Insurify to compare rates side by side from multiple companies.