Cheap Auto Insurance Quotes in Wisconsin (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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 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.

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.

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.

CityCheapest CarrierQuote
ProgressiveProgressive
$34/mo
ProgressiveProgressive
$25/mo
ProgressiveProgressive
$24/mo
ProgressiveProgressive
$29/mo
ProgressiveProgressive
$30/mo
ProgressiveProgressive
$25/mo
ProgressiveProgressive
$26/mo
ProgressiveProgressive
$26/mo
ProgressiveProgressive
$24/mo
ProgressiveProgressive
$24/mo
ProgressiveProgressive
$26/mo
ProgressiveProgressive
$23/mo
ProgressiveProgressive
$26/mo
State FarmState Farm
$95/mo
ProgressiveProgressive
$24/mo
ProgressiveProgressive
$27/mo
State FarmState Farm
$76/mo

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.

wisconsin

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 CompanyQuotes
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 CompanyQuotes
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 CompanyQuotes
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 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 CompanyQuotes
State Farm
$26/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.

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.

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.

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

Madison

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Milwaukee

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
Ranked

10%Structurally Deficient
Rural Bridges

#9
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#32
Ranked


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.