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
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
State Farm earned its place as the best car insurance overall in Wisconsin thanks to its high customer satisfaction, low rates, and an IQ Score of 4.4 out of 5. The company topped all other property and casualty insurers in the American Customer Satisfaction Index’s Insurance and Health Care Study from 2022, scoring an 80 out of 100.[1]
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 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[2]
A++ financial strength rating from A.M. Best
Cons
Doesn’t offer gap insurance
Higher average rates for drivers with a bad driving history
Accident forgiveness coverage is unavailable
Best cheap car insurance in Wisconsin: GEICO
GEICO provides the best cheap car insurance in Wisconsin due to its low rates and ample available discounts. Drivers pay a monthly average of $64 for liability-only and $77 for full-coverage insurance. GEICO customers benefit from personalized vehicle coverage for their situation and quality customer service, and the company earned an IQ Score of 4.3.
GEICO offers five discount areas where you can save money: vehicle equipment, driving history, driver’s education, driver affiliations, and customer loyalty. For example, you could save up to 23% just by having an airbag in your vehicle, or 5% for having anti-lock brakes.
Drivers can also earn a discount for taking a defensive driving course, being in the military, or working for the federal government. The company offers more ways to save than nearly any other insurer.
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
Most affordable car insurance in Wisconsin: USAA
For military members, veterans, and their families, USAA offers the cheapest average rates for eligible Wisconsin drivers for both liability and full-coverage insurance. Auto coverage from USAA costs an average of $45 per month for liability only and $55 per month for full coverage.
Customers may pay even less by utilizing the wide variety of discounts USAA offers, including discounts for good students, good drivers, military members, loyal customers, bundling, and more.
The company received an IQ Score of 4.5, making it the highest-rated insurer on the list. You can conveniently manage your policy with the company’s mobile app.
Cons
Only for military members, veterans, and their families
Doesn’t offer gap insurance
Doesn’t offer 24/7 live customer support over the phone
Best for full coverage: Progressive
When you sign up with Progressive, you can customize your car insurance to meet your unique needs, making it the best option for full-coverage insurance in Wisconsin. The company offers coverages that many other insurers don’t, like rideshare and loan payoff coverage. You can also add uninsured motorist coverage to protect you from uninsured drivers.
However, at an average price of $173 per month for full-coverage insurance, Progressive doesn’t offer the most affordable option for Wisconsin drivers. The company has a good reputation, but it received a below-average rating for customer satisfaction in the J.D. Power 2022 U.S. Auto Insurance Study.
Cons
Higher average premiums than some insurers
Below-average customer satisfaction rating from J.D. Power
High average rates after an accident
Best for commuters: Liberty Mutual
The best option for Wisconsin drivers who commute to work on a daily basis, Liberty Mutual offers good drivers a chance to save through the RightTrack program. Drivers who spend a lot of time on the road tend to pay more for insurance, but the company offers numerous ways to save on premiums.
For example, Liberty Mutual claims you could save $950 by bundling your home and auto insurance. You can also earn a discount if you have a clean driving history or if you complete the company’s safe driver program.
Pros
Many unique coverage options, including new and better car replacement, gap insurance, and lifetime repair guarantee
Many discounts
Customizable coverage
Cons
More expensive premiums than other insurers
Above-average customer complaints in the NAIC complaint index
Lower IQ Score than other insurers
Best for families: Farmers
Farmers is the best option for families, since you can save by purchasing multiple policies. For example, you could bundle your home and auto insurance, or you could earn a multi-car discount by insuring more than one driver in your household.
The company processes claims quickly and has high rankings for customer feedback. Drivers pay an average of $112 per month for full coverage, which falls below the state average for Wisconsin.
Cons
Doesn’t offer gap insurance
Above-average customer complaints in the NAIC complaint index
Lower IQ Score than other insurers
Best for students: American Family
The best choice for student drivers, American Family offers a good-student discount for drivers under the age of 25. Students enrolled full-time in high school, college, or a vocational school may qualify.
On average, customers pay $68 per month for liability and $83 per month for full coverage. The total amount you can save depends on where you live. Students can also save money by proving they drive safely or that they volunteer at least 40 hours a year. The company provides quality coverage and earned an IQ Score of 4.3.
Pros
Many discounts available, including savings for students
Above-average customer satisfaction rating from J.D. Power
Below-average customer complaints in the NAIC complaint index
Cons
Available in only 20 states
Below-average customer satisfaction rating in the J.D. Power 2022 U.S. Insurance Digital Experience Study[4]
Doesn’t have an extensive amount of coverage add-ons
Best for outdoor enthusiasts: Travelers
Travelers’ auto insurance policies come with a number of features that may benefit outdoor enthusiasts or anyone who travels regularly. For instance, you can purchase non-named coverage, which works well for anyone who frequently rents cars or uses car-sharing services.
You can also bundle your car insurance with motorcycle, boat and yacht, or travel insurance. Travelers charges fairly inexpensive premiums, with the average full-coverage plan costing just $105 per month.
Cons
Below-average customer satisfaction rating from J.D. Power
Offers rideshare coverage in only two states: Colorado and Illinois
Below-average BBB customer rating
Best for high-risk drivers: Erie
High-risk drivers in Wisconsin should consider Erie. The company offers affordable plans for drivers with a history of tickets, accidents, and DUIs. You can find a full-coverage policy for an average of $152 per month.
Once you purchase car insurance, Erie gives you the option to lock in your rate. Your rates won’t increase unless you move or add another driver to your policy. Erie only offers auto insurance in 12 states, including Wisconsin.
Pros
Affordable coverage for drivers with speeding tickets and other violations
Erie Rate Lock program allows you to lock in the rate of your premium
Highest customer satisfaction rating from J.D. Power for the North Central region
Cons
Limited availability nationwide
Can’t purchase a policy or file a claim online
Doesn’t offer robust coverage options
Best for renters: Allstate
Bundling multiple policies together is one of the best ways to save on insurance. If you currently rent a home or apartment, Allstate makes it easy to bundle your renters and car insurance to save money. If you contact an Allstate agent to learn more, they can help you find additional discounts based on your circumstances.
On average, customers pay $133 per month for liability and $163 per month for full coverage. Allstate earned a 4.1 IQ Score.
Pros
Many advertised discounts
Above-average customer satisfaction rating from J.D. Power
Can purchase traditional or pay-per-mile coverage
Cons
More expensive premiums than some insurers
Above-average customer complaints in the NAIC complaint index
Some coverage options depend on state availability