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

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • The average cost of car insurance in Wisconsin is $165 per month, or $1,974 annually.
  • Travelers is the cheapest provider we found in Wisconsin, with average premiums of $102 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Car Insurance in Wisconsin

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.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Cheapest Car Insurance in Wisconsin

How much is car insurance in Wisconsin?

The average cost of car insurance in Wisconsin is $165 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

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.

Car Insurance CompanyAverage Monthly Quote
Travelers$102
Progressive$103
Novo$105
Clearcover$109
MetLife$113
National General$114
Acuity$127
Safeco$127
Kemper Prefered$129
Midvale Home & Auto$131
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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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.

Car Insurance CompanyAverage Monthly Quote
State Auto$61
Acuity$61
Kemper Preferred$66
MetLife$67
Travelers$68
Progressive$72
Safeco$73
Stillwater$75
First Chicago$80
National General$82
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Car Insurance CompanyAverage Monthly Quote
Travelers$108
Novo$111
MetLife$113
Clearcover$120
Progressive$122
National General$129
Acuity$132
Kemper Preferred$138
Foremost GroupSelect$140
Safeco$141
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Best Car Insurance in Wisconsin

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.

Car Insurance CompanyICSAverage Monthly Quote
Clearcover97$109
Liberty Mutual82$163
MetLife72$113
National General58$114
Nationwide89$158
Safeco86$127
State Auto76$155
Travelers80$102
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

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.

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Wisconsin Car Insurance Rates by Driving and Accident History

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.

See More: High-Risk Car Insurance Wisconsin

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.

Car Insurance CompanyAverage Monthly Quote
National General$92
Travelers$92
Progressive$93
Novo$94
Clearcover$96
MetLife$97
Acuity$102
Direct Auto$106
Midvale Home & Auto$109
Safeco$110
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Car Insurance CompanyAverage Monthly Quote
Novo$76
Clearcover$96
Progressive$109
Liberty Mutual$117
Travelers$122
Safeco$130
National General$136
First Chicago$139
The General$149
MetLife$151
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Wisconsin

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.

Car Insurance CompanyAverage Monthly Quote
Travelers$115
Progressive$122
Novo$127
MetLife$130
Clearcover$150
National General$153
Kemper Preferred$162
Safeco$168
Stillwater$175
Midvale Home & Auto$180
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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.

Car Insurance CompanyAverage Monthly Quote
Progressive$127
Travelers$128
Novo$128
MetLife$134
Clearcover$140
Stillwater$140
Acuity$142
Kemper Preferred$153
National General$161
Safeco$165
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Wisconsin Car Insurance Rates by Credit Tier

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.

Credit TierAverage Monthly Quote
Excellent$126
Good$134
Average$157
Poor$195
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Wisconsin Cities

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.

City in WisconsinAverage Monthly Quote
Milwaukee$216
Madison$124
Racine$163
Green Bay$114
Kenosha$152
Appleton$109
Waukesha$130
Janesville$123
Oshkosh$121
Eau Claire$118
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Wisconsin Car Insurance Rates by Driver Age

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.

Age GroupAverage Monthly Rate
Teenagers$275
Under 25$228
20s$183
30s$145
40s$142
50s$127
60s$104
70s$104
80+$115
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Wisconsin Driving Facts

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.

How to Get the Cheapest Car Insurance in Wisconsin

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.

Frequently Asked Questions

  • Yes, Wisconsin requires car owners to have auto insurance. In some instances, a surety bond or certificate of self-insurance is appropriate. Still, most drivers need an auto insurance policy that meets the state minimum liability coverage requirements.

  • The first step to getting affordable car insurance is to find out what kind of coverage you need. You must also consider your driving history, age, and location. Whether you’re looking for minimum coverage or full coverage or have speeding tickets or an at-fault accident, your best option is to compare rates from multiple insurance companies to find the lowest price.

  • Auto insurance costs vary depending on where you live, how old you are, what company you buy from, your driving record, and how much coverage you want. Costs are generally higher if you live in a major city like Milwaukee or Madison. Typically, annual premiums can range from $102 to $192.

  • Your age, driving history, auto insurance coverage, deductible amount, and type of car you drive are the biggest factors that can drive up car insurance rates in Wisconsin. Drivers above age 30, living in a small city, and driving a used car tend to pay the lowest rates. Poor credit scores, speeding tickets, and at-fault accidents can increase your rates significantly.

  • No, Wisconsin doesn’t require drivers to have PIP coverage. PIP insurance is a type of “no-fault” coverage, and Wisconsin requires all accidents to have an “at-fault” driver.

Insurify Insights

How Wisconsin Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Wisconsin below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Wisconsin drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Wisconsin

#4

State with the Most Speeding Tickets Rank

#8

State with the Moving Violations Rank

#10

State with the Most DUIs Rank

#11

State with the most Suspended Licenses

  • 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. Wisconsin is the #26 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #26
    • Percent of drivers in Wisconsin with an accident: 9.89%
    • Percent of all U.S. drivers with an at-fault accident: 10.18%
    • Drivers in WI who have a current at-fault accident on their driving record pay 35.11% more on average than drivers with a clean record.
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Wisconsin is the #4 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #4
    • Percent of drivers in Wisconsin with a speeding ticket: 13.43%
    • Percent of all U.S. drivers with a speeding ticket: 9.18%
    • Drivers in WI with a speeding ticket in their driving history pay on average 39.69% more than drivers with a clean record.
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wisconsin is the #10 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #10
    • Percent of drivers in Wisconsin with a DUI: 3.13%
    • Percent of all U.S. drivers with a DUI: 1.65%
    • Drivers in WI with a DUI in their driving history pay on average 12.98% more than drivers with a clean record.
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Wisconsin is the #1 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #1
    • Percent of drivers in Wisconsin with a rude driving violation: 3.28%
    • Percent of all U.S. drivers with a rude driving violation: 1.68%
    • Drivers in WI with a rude driving violation in their driving history pay on average 41.98% more than drivers with a clean record.
  • 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. Wisconsin is the #22 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #22
    • Percent of drivers in Wisconsin with a reckless driving offense: 0.13%
    • Percent of all U.S. drivers with a reckless driving offense: 0.0949%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wisconsin is the #3 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #3
    • Percent of drivers in Wisconsin with a failure to yield violation: 0.92%
    • Percent of all U.S. drivers with a failure to yield violation: 0.36%
    • Drivers in WI with a failure to yield violation in their driving history pay on average 44.27% more than drivers with a clean record
  • Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Wisconsin is the #47 state in the country for drivers with a clean record.

    • Rank among states: #47
    • Percent of drivers in Wisconsin with a clean record: 75.99%
    • Percent of all U.S. drivers with a clean record: 82.17%
  • 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 among states: #27
    • Percent of drivers in Wisconsin with a hybrid/electric vehicle: 0.77%
    • Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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Methodology

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.

Amy Beardsley
Amy Beardsley
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Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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