For Wisconsin drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Wisconsin, at $69 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheapest Car Insurance in Wisconsin
Here are the cheapest carriers in Wisconsin for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Wisconsin.
| Companies | Quotes |
|---|---|
 Progressive |
$23 /mo |
 State Farm |
$73 /mo |
 Travelers |
$84 /mo |
 Nationwide |
$91 /mo |
 American Family |
$106 /mo |
Best Car Insurance in Wisconsin
The Insurify Composite Score is calculated by analyzing multiple factors that indicate 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, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Wisconsin. For the complete list, see Insurify's best car insurance companies.
| Companies | Score | Quotes |
|---|---|---|
|
American Family |
88
|
$106 /mo |
|
Nationwide |
84
|
$91 /mo |
|
State Farm |
83
|
$73 /mo |
|
Travelers |
81
|
$84 /mo |
 Liberty Mutual |
80
|
$138 /mo |
|
Progressive |
78
|
$23 /mo |
Car Insurance in Wisconsin
Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Wisconsin to find you the cheapest quotes in each of these metropolitan areas.
Milwaukee is the most populous city in Wisconsin. Milwaukee drivers rank among the worst in the nation, according to Insurify's 2018 study of top cities with the worst drivers.
Milwaukee
Madison
Green Bay
Kenosha
Racine
| City | Cheapest Carrier | Quote |
|---|---|---|
| Milwaukee |
Progressive |
$34 /mo |
| Madison |
Progressive |
$25 /mo |
| Green Bay |
Progressive |
$24 /mo |
| Kenosha |
Progressive |
$29 /mo |
| Racine |
Progressive |
$30 /mo |
Cheapest Car Insurance Quotes in Wisconsin by Profile
Here are the cheapest insurance companies in Wisconsin based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
| Insurance Company | Quote |
|---|---|
State Farm |
$69 /mo |
Progressive |
$91 /mo |
American Family |
$105 /mo |
Nationwide |
$117 /mo |
Travelers |
$136 /mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no
exaggeration. Even a tiny fender bender can raise rates to levels that
significantly alter your budget. If you’ve paid for accident forgiveness,
you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal:
insurance companies look at different time windows for driving history.
For example, one company might look at the last five years while the other
looks at the last three. Here are the best rates we could find for drivers
with one at-fault accident.
| Insurance Company | Quote |
|---|---|
Erie |
$26 /mo |
USAA |
$31 /mo |
Pekin |
$32 /mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | Quote |
|---|---|
Erie |
$21 /mo |
USAA |
$27 /mo |
State Farm |
$30 /mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Wisconsin, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. State Farm offers the cheapest car insurance rates for young drivers, averaging $19 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Wisconsin 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Wisconsinites lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | Quote |
|---|---|
State Farm |
$19 /mo |
Erie |
$22 /mo |
Partners Mutual |
$22 /mo |
Pekin |
$25 /mo |
State Farm |
$26 /mo |
SR-22 Insurance in Wisconsin
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Wisconsin on your behalf.
Wisconsin DMV Information
The Wisconsin Department of Motor Vehicles may not be the most cutting edge of all DMVs, but it does allow drivers to complete most boring tasks online or by mail. If you do have to go into a physical location, you can schedule an appointment online for expedited service.
Obtaining a Driver’s License in Wisconsin
If you’ve just moved to Wisconsin and you want to obtain your new driver’s license, you will need to provide the following:
- Proof of U.S. citizenship or legal permanent/temporary status
- Proof of your name and date of birth, usually through a birth certificate
- Proof of Wisconsin residency
- Proof of identity
- Your social security number
Depending on your eligibility, you may be able to submit your documents to the Wisconsin DMV online.
Registering Your Vehicle in Wisconsin
To register your car as a new resident in Wisconsin you will need
- Your current out-of-state registration
-
Complete Title/License plate application form
-
Proof of identity
-
Proof of sales tax paid if you purchased your vehicle in the last 90 days
-
Payment of all applicable fees, state and municipal
You can register your vehicle in person or, for some, by mail.
Wisconsin Driving Facts
State Minimum Car Insurance Coverage in West Virginia
The state of West Virginia requires all motor vehicle operators to have proof of insurance available in the car at all times.
The minimum bodily injury liability insurance requirements in West Virginia are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits West Virginia state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liability insurance requirements in West Virginia are:
$25,000 property damage liability per accident
Property damage liability coverage pays for any property that you damage in an accident. The state of West Virginia requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.
State Rankings
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
#8
States with Most
Moving Violations Rank
Moving Violations Rank
Greenest Cities in Wisconsin
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Wisconsin offers many green driver incentives, including tax refunds, biodiesel fuel use incentives, and discounts through some car insurance carriers.
Madison
% of Hybrids/Electrics 2%
Most Patriotic City
Kenosha
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Kenosha won Insurify's Most Patriotic Cities Award for the state of Wisconsin.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Wisconsin is vital for all car insurance shoppers hitting the road in The Badger State.
