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Cheap Auto Insurance Quotes in Wisconsin (January 2022)

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Last Updated: January 2022

Saving cheese in America's Dairyland should be easy (and it is!).

If you love cheese, you’re going to lov Wisconsin. Cheese curds, the Mars Cheese Castle (yes!), and squeaky cheese are just three powerful reasons to live in the Badger State. And if cheese isn’t your thing, maybe you can get in on the 21 million gallons of ice cream, prime muskie fishing, and more football than one person should safely consume.

Cheapest Car Insurance in Wisconsin

Here are the cheapest companies 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.

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 company reviews. The following are the top rated companies that offer car insurance in Wisconsin. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Wisconsin

Auto insurance costs will vary between locations and insurance companies. 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.

Quotes by Top Companies
Quotes ($/mo)
ProgressiveTravelersState FarmAmerican FamilyLiberty MutualNationwide
Monthly $
CityCheapest Company
State FarmState Farm
State FarmState Farm

Cheapest Liability Auto Insurance in Wisconsin

For drivers in Wisconsin, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Wisconsin. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Wisconsin.

Cheapest Full Coverage Auto Insurance in Wisconsin

For drivers in Wisconsin, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Wisconsin. The following are the best insurance rates from carriers that offer full coverage auto insurance in Wisconsin.

Wisconsin Driving Facts


Minimum Car Insurane Requirements in WI

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.

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

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.
Insurance Company
State Farm
American Family

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

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
State Farm

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 and State Farm offer the cheapest car insurance rates for young drivers, averaging $26 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
State Farm
Partners Mutual
State Farm

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.

WI 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 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.

Insurify Insights: How Wisconsin Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Wisconsin drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

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. Among all fifty states, Wisconsin drivers rank 26 in the number of car accidents per driver.

  • Rank of States: #26
  • Percent of drivers in Wisconsin with an accident: 9.96%
  • Drivers in WI with an accident in their driving history paid on average 35.11% more than drivers with a clean record

Speeding in Wisconsin

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Wisconsin drivers rank 4 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #4
  • Percent of drivers in Wisconsin with a speeding ticket: 14.21%
  • Drivers in WI with a speeding ticket in their driving history paid on average 39.69% more than drivers with a clean record

DUI/DWIs in Wisconsin

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wisconsin drivers rank 10 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #10
  • Percent of drivers in Wisconsin with a DUI: 3.13%
  • Drivers in WI with a DUI in their driving history paid on average 12.98% more than drivers with a clean record

Most Popular Vehicle in Wisconsin

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Wisconsin is the Honda Civic.

Rude in Wisconsin

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Wisconsin drivers rank 1 in rude driving infractions.

  • Rank of States: #1
  • Percent of drivers in Wisconsin with a reckless driving violation: 3.28%
  • Drivers in WI with a reckless driving violation in their driving history paid on average 41.98% more than drivers with a clean record.

Safest Drivers in Wisconsin

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Wisconsin drivers rank 47 in clean driving records across all fifty states.

  • Rank of States: #47
  • Percent of drivers in Wisconsin with clean record: 75.99%

Street Racing in Wisconsin

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Wisconsin drivers rank 11 in street racing violations per driver.

  • Rank of States: #11
  • Percent of drivers in Wisconsin with a street racing violation: 0.01%

Failure to Yield the Right of Way in Wisconsin

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wisconsin drivers rank 3 in failure to yield violations per driver across all fifty states.

  • Rank of States: #3
  • Percent of drivers in Wisconsin with a failure to yield violation: 0.92%
  • Drivers in WI with a failure to yield violation in their driving history paid on average 44.27% more than drivers with a clean record

Reckless Drivers 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. Among all fifty states, Wisconsin drivers rank 22 in the number of reckless driving offenses per driver.

  • Rank of States: #22
  • Percent of drivers in Wisconsin with a reckless driving offense: 0.13%

Hybrid/Electric Vehicle Ownership in Wisconsin

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Wisconsin drivers rank 27 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #27
  • Percent of drivers in Wisconsin with a hybrid/electric vehicle: 0.77%

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.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics
Most Patriotic City

Most Patriotic City


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.
road with cars illustration

Road Rankings

19%Rural Roads in
Poor Condition


10%Structurally Deficient
Rural Bridges


1%Fatality Rate per 100M VMT
on Rural Roads


FAQs - Wisconsin Car Insurance

Do I need car insurance in Wisconsin?

As of June 1, 2010, drivers are required to carry minimum liability insurance plus uninsured motorist protection—making Wisconsin the second-to-last state to make car insurance mandatory.

How do I get cheap car insurance in Wisconsin?

The best way to find cheap car insurance is to comparison shop for the best quotes. This means either contacting each insurance company individually for a quote or using a comparison website. Using a tool like Insurify helps you compare real car insurance quotes from 6+ car insurance companies in just two minutes. Plus, you can set your preferences to be alerted any time Insurify finds you a lower price. Switching your car insurance, even in the middle of your policy, is typically free.

What is the best car insurance in Wisconsin?

The best car insurance for Wisconsin drivers will depend on the individual. Here are a few questions to consider when you’re looking for the best car insurance: What type of risks do I impose? Consider your age, driving record, driving habits, and location. Low-mileage drivers might fair better with a mileage-based company, for example. What discounts are available to you? If you’re a veteran, you’ll probably want to go with a company that honors veterans with a discount. College students should look into good student discounts. How do you plan to interact with your insurance company? If you want to be able to do everything on a mobile app or online, you need to make sure the company you choose actually provides those features. The same goes for analog-lovers who prefer a local office.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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