120+ more*Quotes generated for Insurify users from Wisconsin within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Wisconsin within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Wisconsin car insurance costs an average of $58 per month for liability-only coverage and $109 for full coverage, which is below the national average.
Wisconsin’s midwestern location doesn’t face hurricanes and coastal flooding like other states, which could contribute to its lower rates. But hail, flooding, and the more than 17,000 deer strikes that happen in Wisconsin every year can still factor into insurance pricing.[1]
We gathered quotes for cheap car insurance in Wisconsin from 120+ companies. You can compare rates below by coverage level and driving profile.
Driver Category | Cheapest Insurance Company in WI | Cheapest Monthly Quote in WI |
|---|---|---|
| Overall | USAA | $35 |
| State minimum coverage | USAA | $35 |
| Full coverage | USAA | $63 |
| Drivers with a clean record | USAA | $35 |
| After a speeding ticket | USAA | $46 |
| After an at-fault accident | USAA | $47 |
| After an OWI | USAA | $48 |
| Teen/new drivers | USAA | $66 |
| Seniors | USAA | $27 |
| Bad credit | USAA | $41 |
Wisconsin law requires liability coverage, including $25,000 per person for bodily injuries ($50,000 for two or more people) and $10,000 for property damage.[2] Wisconsin drivers need to also carry uninsured motorists coverage, including $25,000 per person and $50,000 for two or more people to cover bodily injuries.
Because Wisconsin is an at-fault state, drivers can seek compensation for injuries directly from the at-fault driver’s insurance, which is why state law doesn’t require personal injury protection (PIP) like no-fault states do.
But you have the option to add medical payments coverage, which can help with medical or funeral expenses after an accident that injures or kills you or other people.
The average monthly rate for liability insurance in Wisconsin is $58, which is cheaper than neighboring state Minnesota’s average rate of $88.
Below are quotes for the cheapest liability car insurance in Wisconsin.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $35 |
| State Farm | $36 |
| Auto-Owners | $37 |
| First Chicago | $45 |
| Progressive | $48 |
| Erie | $49 |
| GEICO | $49 |
| American Family | $53 |
| Safeco | $58 |
| Direct Auto | $60 |
| Dairyland | $61 |
| Chubb | $61 |
| GAINSCO | $63 |
| Certainly | $63 |
| Bristol West | $67 |
| Farmers | $71 |
| The General | $72 |
| Nationwide | $72 |
| Root | $76 |
| National General | $79 |
| Liberty Mutual | $88 |
| Travelers | $92 |
| Allstate | $104 |
| State Auto | $137 |
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Austin Moyers
Sales Manager, Insurify
While liability insurance is the most affordable coverage, it doesn’t cover any damage to your car so it’s worth considering full coverage. For example, if you hit a deer on I-94, full coverage would help pay for the damage to your car. If you only have liability insurance, you’re responsible for paying to fix any damage.
Wisconsin drivers face several risks that could make full-coverage car insurance worth considering.
Deer strikes contributed to more than 17,400 crashes in 2024, according to the Wisconsin Department of Transportation (WisDOT).[3] Storms and flooding of roads are also a concern. Gov. Tony Evers declared a state of emergency in August 2025 due to flooding on roads. Full coverage, which includes collision and comprehensive coverage, typically protects against these events.
On average, full coverage costs $109 per month in Wisconsin. The table below shows the cheapest full-coverage car insurance in Wisconsin.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $63 |
| State Farm | $65 |
| Auto-Owners | $66 |
| Certainly | $78 |
| Erie | $87 |
| GEICO | $87 |
| American Family | $94 |
| Safeco | $102 |
| Direct Auto | $107 |
| Chubb | $108 |
| Farmers | $127 |
| Nationwide | $128 |
| Liberty Mutual | $128 |
| Bristol West | $141 |
| First Chicago | $143 |
| Root | $144 |
| National General | $149 |
| The General | $163 |
| Travelers | $164 |
| Allstate | $185 |
| Dairyland | $209 |
| GAINSCO | $223 |
| State Auto | $244 |
*Quotes generated for Insurify users from Wisconsin within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Wisconsin within the last 10 days. Last updated on March 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Wisconsin drivers pay less for car insurance than most Americans, but rates still vary depending on where you live and how you drive. Milwaukee drivers, for example, typically pay more than those in Madison. Below are our top picks for Wisconsin’s best car insurance companies.
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $63/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Fort McCoy, the only U.S. Army installation in Wisconsin, trains more than 125,000 military personnel each year. USAA is a great insurer for this community. Membership is available to active or retired service members and eligible family members.
Along with low average premiums, USAA has discounts for taking a defensive driving course and enrolling in its telematics program.
Some of the cheapest average premiums in Wisconsin
Two driving programs with solid discount options
High J.D. Power customer satisfaction rating in the North Central region
Military membership required
No customer support on Sundays
No physical locations in Wisconsin
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Speeding contributed to more than a quarter of Wisconsin’s fatal crashes in 2024, according to WisDOT. State Farm rewards drivers who avoid speeding by providing lower premiums for clean driving records. It also offers discounts for enrolling in Drive Safe & Save (its telematics program), bundling policies, and taking driver training courses.
Affordable premiums with multiple discounts for safe drivers
Extensive agent network in Wisconsin
Above-average J.D. Power customer satisfaction rating in the North Central region
No accident forgiveness
Policies only available through talking to an agent
Poor Trustpilot rating
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $66/mo |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Wisconsin’s minimum coverage requirements ($25,000 per person for injuries and $10,000 for property damage) may not provide enough financial protection after an accident. Auto-Owners lets you customize your coverage to make sure you’re fully protected. It offers multiple optional add-ons, including collision, comprehensive, gap, and medical payments coverage.
Lower premiums with many available discounts
Several optional coverage add-ons
Waived deductible for accidents with another Auto-Owners customer
Quotes not available online; must work with an agent
Below-average J.D. Power customer satisfaction rating in the North Central region
Lower mobile app ratings than some other insurers
After climbing sharply between 2022 and 2024, Wisconsin car insurance rates fell 14% in 2025 — one of the largest declines in the country — as insurers sought to attract new customers.
The average cost of car insurance was $1,403 annually by the year’s end, and Insurify projects an additional 0.7% decrease in 2026. Wisconsin remains one of the more affordable states for car insurance.
The table below shows how car insurance rates in Wisconsin have changed over the past five years:
Liability quotes start at $35/mo.
Wisconsin car insurance requirements include minimum liability coverage to ensure you can pay for property damage or bodily injuries if you cause an accident. The state also requires uninsured motorist coverage to pay for damages if a driver with no insurance hits you.
Coverage Type | Minimum Requirement |
|---|---|
| Property damage liability | $10,000 |
| Bodily injury liability | $25,000 for one person / $50,000 for two or more people |
| Uninsured motorist bodily injury | $25,000 for one person / $50,000 for two or more people |
If you have a loan on your vehicle, as almost 30% of Wisconsinites do, your lender will likely require you to buy full coverage, which includes comprehensive and collision coverage.
Milwaukee may have more expensive insurance premiums than cities like Madison or Green Bay. Along with higher population density, Milwaukee also has higher rates of reckless driving and crashes than other parts of the state.
You can compare average monthly car insurance quotes for several Wisconsin cities below.
Insurers in Wisconsin divide drivers into three categories: preferred (safest drivers), standard (moderate-risk drivers), and non-standard (high-risk drivers). Preferred drivers often receive the lowest rates.
Below are quotes for affordable car insurance in Wisconsin for people with a clean driving record and good credit, averaging $84 per month.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $34 |
| State Farm | $35 |
| Auto-Owners | $36 |
| First Chicago | $46 |
| Erie | $47 |
| Progressive | $49 |
| GEICO | $49 |
| American Family | $52 |
| Chubb | $57 |
| Dairyland | $58 |
| Direct Auto | $58 |
| GAINSCO | $61 |
| Safeco | $63 |
| Certainly | $65 |
| Bristol West | $66 |
| Farmers | $68 |
| The General | $69 |
| Nationwide | $69 |
| National General | $73 |
| Root | $77 |
| Travelers | $90 |
| Liberty Mutual | $93 |
| Allstate | $104 |
| State Auto | $130 |
More than 5% of Wisconsinites have a ticket on their driving record, according to Insurify data. Wisconsin drivers with a ticket have an average premium of $107 per month.
In Wisconsin, a speeding conviction adds demerit points to your driving record. If you accumulate 12 or more points within a year, your license can be suspended. Speeding tickets are also pricey, typically costing anywhere from $200 to more than $800.[4]
The quotes below show cheap auto insurance in Wisconsin for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| USAA | $46 |
| Auto-Owners | $49 |
| First Chicago | $58 |
| Progressive | $61 |
| Erie | $65 |
| GEICO | $65 |
| American Family | $70 |
| GAINSCO | $76 |
| Direct Auto | $76 |
| Dairyland | $77 |
| Safeco | $77 |
| Chubb | $78 |
| Certainly | $81 |
| Bristol West | $85 |
| Farmers | $92 |
| Nationwide | $94 |
| The General | $97 |
| National General | $99 |
| Root | $102 |
| Liberty Mutual | $113 |
| Travelers | $121 |
| Allstate | $137 |
| State Auto | $184 |
Wisconsin saw 127,551 crashes in 2024, and Insurify data shows that almost 5% of Wisconsin drivers have an accident on their driving record.[5]
Some highways are especially risky — WisDOT reports the I-94 East-West corridor in Milwaukee has crash rates up to two to three times the statewide average.
After an at-fault accident, your insurance rates could increase to a monthly average of $109.
Below are the cheapest rates for Wisconsin drivers with an accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $47 |
| USAA | $47 |
| Auto-Owners | $48 |
| First Chicago | $59 |
| Progressive | $62 |
| GEICO | $63 |
| Erie | $65 |
| American Family | $71 |
| GAINSCO | $80 |
| Dairyland | $80 |
| Chubb | $80 |
| Safeco | $80 |
| Direct Auto | $81 |
| Certainly | $82 |
| Bristol West | $87 |
| Farmers | $94 |
| Nationwide | $96 |
| The General | $98 |
| Root | $101 |
| National General | $104 |
| Liberty Mutual | $116 |
| Travelers | $123 |
| Allstate | $138 |
| State Auto | $185 |
More than 1% of Wisconsin drivers have an operating while intoxicated (OWI) conviction, according to Insurify data. WisDOT reported that 27% of fatal crashes in 2024 involved an impaired driver.
Insurers view drivers with an OWI as high-risk, increasing their average premium to $105 per month in Wisconsin.
Below are cheap car insurance quotes in Wisconsin for drivers with an OWI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $48 |
| State Farm | $49 |
| Auto-Owners | $51 |
| First Chicago | $56 |
| Progressive | $60 |
| GEICO | $66 |
| Erie | $67 |
| American Family | $72 |
| Certainly | $79 |
| Direct Auto | $82 |
| Dairyland | $83 |
| Chubb | $83 |
| Safeco | $85 |
| GAINSCO | $86 |
| Bristol West | $92 |
| Farmers | $97 |
| The General | $98 |
| Nationwide | $98 |
| Root | $104 |
| National General | $108 |
| Liberty Mutual | $120 |
| Travelers | $126 |
| Allstate | $142 |
| State Auto | $175 |
WisDOT may require you to have an SR-22 as proof of insurance to reinstate your driver’s license after it’s suspended or revoked.[6] SR-22 filers in Wisconsin pay an average of $111 per month for an auto policy.
You can compare quotes for the most affordable SR-22 car insurance in Wisconsin below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $46 |
| State Farm | $48 |
| Auto-Owners | $49 |
| First Chicago | $60 |
| Progressive | $64 |
| Erie | $65 |
| GEICO | $65 |
| American Family | $70 |
| Safeco | $77 |
| Direct Auto | $79 |
| Dairyland | $81 |
| Chubb | $81 |
| GAINSCO | $83 |
| Certainly | $83 |
| Bristol West | $89 |
| Farmers | $94 |
| The General | $95 |
| Nationwide | $95 |
| Root | $101 |
| National General | $105 |
| Liberty Mutual | $116 |
| Travelers | $122 |
| Allstate | $138 |
| State Auto | $181 |
Monthly rates start at $44 for drivers with an incident
Although teens only make up 4.5% of licensed drivers in Wisconsin, they accounted for more than 9% of crashes in 2023.[7] Since young drivers have a higher risk of car accidents, insurers often charge higher rates, averaging $160 per month in Wisconsin.
The table below compares cheap car insurance in Wisconsin for teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| State Farm | $71 |
| Auto-Owners | $76 |
| First Chicago | $86 |
| GEICO | $90 |
| Progressive | $91 |
| Erie | $92 |
| American Family | $103 |
| Dairyland | $107 |
| GAINSCO | $118 |
| Direct Auto | $118 |
| Safeco | $119 |
| Certainly | $120 |
| Bristol West | $123 |
| The General | $129 |
| Chubb | $129 |
| Root | $134 |
| Nationwide | $144 |
| Farmers | $145 |
| Liberty Mutual | $159 |
| National General | $164 |
| Travelers | $195 |
| Allstate | $210 |
| State Auto | $339 |
Senior drivers in Wisconsin tend to be safer on the road. For example, WisDOT found that almost 93% of drivers aged 60 or older wore seat belts. That’s a higher percentage than any other age group.[8]
Insurers often see mature drivers as lower risk and charge Wisconsin seniors lower average premiums of $67 per month.
Below are cheap car insurance quotes for seniors in Wisconsin.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $27 |
| USAA | $27 |
| Auto-Owners | $28 |
| First Chicago | $36 |
| Erie | $36 |
| GEICO | $37 |
| Progressive | $39 |
| American Family | $41 |
| Chubb | $44 |
| Direct Auto | $47 |
| Safeco | $49 |
| Dairyland | $50 |
| Certainly | $51 |
| GAINSCO | $52 |
| Nationwide | $53 |
| Bristol West | $54 |
| Farmers | $54 |
| The General | $58 |
| National General | $60 |
| Root | $61 |
| Travelers | $71 |
| Liberty Mutual | $71 |
| Allstate | $81 |
| State Auto | $100 |
Insurers can consider your insurance credit score during underwriting, but it can’t be the only factor they use, according to the Wisconsin Office of the Commissioner of Insurance. Still, a poor credit history can affect your rates and make your insurance cost an average of $94 per month in Wisconsin.
Below are the lowest car insurance rates in Wisconsin for drivers with poor credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $41 |
| State Farm | $50 |
| First Chicago | $51 |
| Auto-Owners | $53 |
| Progressive | $54 |
| GEICO | $57 |
| American Family | $60 |
| Safeco | $68 |
| Erie | $69 |
| Direct Auto | $70 |
| Dairyland | $71 |
| Certainly | $71 |
| GAINSCO | $74 |
| Bristol West | $78 |
| Farmers | $83 |
| The General | $84 |
| Nationwide | $84 |
| Root | $89 |
| National General | $92 |
| Chubb | $94 |
| Liberty Mutual | $100 |
| Travelers | $108 |
| Allstate | $122 |
| State Auto | $161 |
Check quotes from 120+ top insurance companies
From coverage requirements to what affects your rate, here’s what Wisconsin drivers most often want to know.
Car insurance in Wisconsin costs $109 per month for full coverage and $58 for liability-only coverage, Insurify data shows.
In Wisconsin, you must carry bodily injury liability and uninsured motorist coverage with limits of at least $25,000 for one person and $50,000 for two or more people. You must also have $10,000 in coverage for property damage.
USAA, State Farm, and Auto-Owners offer some of the lowest rates in Wisconsin. To find the cheapest car insurance in Wisconsin, you should shop multiple insurers and compare quotes.
Milwaukee has higher car insurance rates than smaller towns like Kenosha and Madison. Higher population density and reckless driving can contribute to higher insurance premiums in Milwaukee.
In Wisconsin, you may be able to reduce your car insurance premiums by bundling auto and homeowners insurance, maintaining a safe driving history, raising your deductible, shopping for car insurance discounts, and comparing quotes.
No. Wisconsin is an at-fault state, meaning the driver responsible for a crash must pay for the damages. Under Wisconsin’s comparative negligence law, parties can share fault, potentially reducing how much you can recover if the accident was partially your fault.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.
She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.
When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
