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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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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Finding the right car insurance policy can be a challenge since everyone has different needs and priorities. To help you shop for the best policy, Insurify analyzed 50 insurers to determine the best car insurance in Wisconsin. If you’re considering changing insurance companies, the following list can provide an excellent starting point.
Here’s what you should know about the car insurance options in Wisconsin.
Wisconsin drivers have plenty of highly rated companies to choose from when shopping for car insurance. To help you find the best option for you, we’ve identified the five best car insurance companies in the Badger State based on factors like average rates, customer satisfaction, discount and coverage options, and more.
| DynamicCarrierCard.reviewsTitle | 4.1 |
|---|---|
| DynamicCarrierCard.iqScoreTitle DynamicCarrierCard.iqScoreTooltip | 9.3 /10 |
| DynamicCarrierCard.liabilityOnlyTitle DynamicCarrierCard.liabilityOnlyTooltip | $30DynamicCarrierCard.perMonth |
| DynamicCarrierCard.fullCoverageTitle DynamicCarrierCard.fullCoverageTooltip | $59DynamicCarrierCard.perMonth |
DynamicCarrierCard.companyScore | DynamicCarrierCard.industryAverage | |
|---|---|---|
| DynamicCarrierCard.coverageOptions | 4.1 | 3.2 |
| DynamicCarrierCard.customerService | 4.2 | 3.6 |
| DynamicCarrierCard.discountAvailability | 3.8 | 2.9 |
| DynamicCarrierCard.policyTransparency | 4.0 | 3.1 |
| DynamicCarrierCard.valueForMoney | 3.8 | 2.9 |
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.
State Farm has plenty of benefits to offer Wisconsin drivers, making it the best overall choice. It has some of the lowest average rates for drivers in the state. And if you’re a safe driver, you can save even more by signing up for the company’s usage-based telematics program, Drive Safe & Save.
State Farm also consistently ranks among the top companies for customer satisfaction, which shows that most of its customers are happy with the service.
High J.D. Power customer and claims satisfaction ratings
Affordable premiums for most Wisconsin drivers
Offers savings for safe drivers
Gap insurance not readily available, unless customer originates a loan through State Farm Bank
Doesn't offer accident forgiveness coverage
Policies only available through a State Farm exclusive agent
| DynamicCarrierCard.reviewsTitle | 4.0 |
|---|---|
| DynamicCarrierCard.iqScoreTitle DynamicCarrierCard.iqScoreTooltip | 8.4 /10 |
| DynamicCarrierCard.liabilityOnlyTitle DynamicCarrierCard.liabilityOnlyTooltip | $40DynamicCarrierCard.perMonth |
| DynamicCarrierCard.fullCoverageTitle DynamicCarrierCard.fullCoverageTooltip | $78DynamicCarrierCard.perMonth |
DynamicCarrierCard.companyScore | DynamicCarrierCard.industryAverage | |
|---|---|---|
| DynamicCarrierCard.coverageOptions | 4.1 | 3.2 |
| DynamicCarrierCard.customerService | 4.0 | 3.6 |
| DynamicCarrierCard.discountAvailability | 3.3 | 2.9 |
| DynamicCarrierCard.policyTransparency | 3.7 | 3.1 |
| DynamicCarrierCard.valueForMoney | 3.4 | 2.9 |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie Insurance is a great option if customer satisfaction is a top priority for you. Erie ranks first of all companies in the North Central Region in the J.D. Power 2024 U.S. Auto Insurance Study and third nationwide in the 2024 U.S. Auto Claims Satisfaction Study.
Erie also offers unique coverage options, including ERIE Rate Lock, accident forgiveness, windshield repair, pet injury coverage, new-car replacement, and more. And ERIE Auto Plus includes a bundle of perks, such as diminishing deductibles, increased coverage limits, waived deductibles, and more.
High J.D. Power customer and claims satisfaction ratings
Option to lock in your rate
Many available coverages
Fewer discounts than some competitors
Can only purchase policies through independent agents
Online claims filing not available
| DynamicCarrierCard.reviewsTitle | 4.0 |
|---|---|
| DynamicCarrierCard.iqScoreTitle DynamicCarrierCard.iqScoreTooltip | 9.3 /10 |
| DynamicCarrierCard.liabilityOnlyTitle DynamicCarrierCard.liabilityOnlyTooltip | $43DynamicCarrierCard.perMonth |
| DynamicCarrierCard.fullCoverageTitle DynamicCarrierCard.fullCoverageTooltip | $84DynamicCarrierCard.perMonth |
DynamicCarrierCard.companyScore | DynamicCarrierCard.industryAverage | |
|---|---|---|
| DynamicCarrierCard.coverageOptions | 3.9 | 3.2 |
| DynamicCarrierCard.customerService | 4.0 | 3.6 |
| DynamicCarrierCard.discountAvailability | 3.7 | 2.9 |
| DynamicCarrierCard.policyTransparency | 3.8 | 3.1 |
| DynamicCarrierCard.valueForMoney | 3.5 | 2.9 |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Wisconsin-based American Family is a great option if you’re looking to save on insurance premiums through discounts. The company has cheaper-than-average rates in Wisconsin and offers more discounts than just about any other insurance company.
In particular, AmFam has an impressive number of discounts for young drivers and families. And it has two usage-based savings programs — one for safe drivers and one for low-mileage drivers — that can help you save even more on your premiums.
Offers more discounts than most competitors
Multiple usage-based savings programs
Well-suited to young drivers and families
Below-average J.D. Power customer satisfaction ratings
Rideshare coverage not available
Coverage only available in 19 states
| DynamicCarrierCard.reviewsTitle | 4.1 |
|---|---|
| DynamicCarrierCard.iqScoreTitle DynamicCarrierCard.iqScoreTooltip | 9.1 /10 |
| DynamicCarrierCard.liabilityOnlyTitle DynamicCarrierCard.liabilityOnlyTooltip | $29DynamicCarrierCard.perMonth |
| DynamicCarrierCard.fullCoverageTitle DynamicCarrierCard.fullCoverageTooltip | $55DynamicCarrierCard.perMonth |
DynamicCarrierCard.companyScore | DynamicCarrierCard.industryAverage | |
|---|---|---|
| DynamicCarrierCard.coverageOptions | 4.0 | 3.2 |
| DynamicCarrierCard.customerService | 4.0 | 3.6 |
| DynamicCarrierCard.discountAvailability | 3.8 | 2.9 |
| DynamicCarrierCard.policyTransparency | 4.0 | 3.1 |
| DynamicCarrierCard.valueForMoney | 3.8 | 2.9 |
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.
USAA only sells coverage to current and former military servicemembers and their families. USAA consistently ranks among the top auto insurers in customer satisfaction and has some of the lowest rates on average for Wisconsin drivers. Additionally, it offers usage-based savings programs for both safe and low-mileage drivers.
High J.D. Power customer satisfaction ratings
Affordable premiums for most Wisconsin drivers
Savings for safe and low-mileage drivers
Doesn’t offer 24/7 customer service
Only available to members of the military community
Only has three local offices in Wisconsin
| DynamicCarrierCard.reviewsTitle | 4.1 |
|---|---|
| DynamicCarrierCard.iqScoreTitle DynamicCarrierCard.iqScoreTooltip | 8.2 /10 |
| DynamicCarrierCard.liabilityOnlyTitle DynamicCarrierCard.liabilityOnlyTooltip | $30DynamicCarrierCard.perMonth |
| DynamicCarrierCard.fullCoverageTitle DynamicCarrierCard.fullCoverageTooltip | $59DynamicCarrierCard.perMonth |
DynamicCarrierCard.companyScore | DynamicCarrierCard.industryAverage | |
|---|---|---|
| DynamicCarrierCard.coverageOptions | 4.2 | 3.2 |
| DynamicCarrierCard.customerService | 4.0 | 3.6 |
| DynamicCarrierCard.discountAvailability | 3.8 | 2.9 |
| DynamicCarrierCard.policyTransparency | 4.3 | 3.1 |
| DynamicCarrierCard.valueForMoney | 3.7 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners combines excellent service with a wide variety of coverage options. Some of its optional coverages include additional expense coverage, gap insurance, diminished value coverage, at-fault accident forgiveness, common loss deductible, and more.
Auto-Owners has a statewide network of local independent agents, so you can feel like you’re working with a small local business. Additionally, the company is one of the most affordable companies for Wisconsin drivers.
Many available coverages
Affordable premiums for most Wisconsin drivers
Large network of local independent agents through the Badger State
Below-average J.D. Power customer satisfaction ratings
Must contact an independent agent to get a quote and purchase a policy
Poor digital experience
Our editorial team analyzed regional and national auto insurance companies that sell policies in Wisconsin to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Whether you’re shopping for car insurance in Wisconsin for the first time or need a new policy, here are a few strategies to help you find the best car insurance for your situation.
Before shopping for car insurance, it’s always a good idea to know how much coverage you need. Most drivers will benefit from purchasing even more coverage than the state requires. The minimum liability coverage limits may not cover all damages from an accident, and it doesn’t pay for repairs to your vehicle.[1] A full-coverage policy with collision and comprehensive insurance provides more financial protection for you and your vehicle.
Beyond the standard coverage options, companies have varying optional coverages. For example, some companies offer gap insurance, rideshare coverage, new-car replacement, and more, while others have a small list of optional coverages. Decide what type of additional coverages you need to ensure you choose a company that offers them.
It’s always worth finding out how other customers feel about a company before you sign on with them. You can find plenty of insurer reviews on sites like Trustpilot, the Better Business Bureau, Insurify, and more. Reading those reviews can give you an idea of whether other people have had a positive experience.
In addition to reading reviews from other customers, consider looking at customer service ratings from third-party organizations like J.D. Power, AM Best, and the National Association of Insurance Commissioners. This can help you compare customer satisfaction and financial strength ratings by company. High customer satisfaction rankings can indicate that you’ll get good service from that company.
Car insurance companies come in all forms. Some are small, regional companies, while others are large, nationwide insurers. Some operate using local agents, while others have a central customer service department. Some rely heavily on technology for their quote process, policy management, and claims process, while others require you to work through an agent.
It’s important to consider what type of service you feel most comfortable with so you can narrow down your list to companies that fit that need.
Before choosing an insurance company, it’s worth getting a quote from several different companies to see which will offer you the best rate without sacrificing coverage and service. You can shop with several companies on their websites or use an insurance-comparison tool to compare rates from many companies at once.
In addition to comparing quotes, consider what discounts each company offers and how much you can save on your premiums. A company may have slightly higher rates but enough discounts to make up for it.
Compare real quotes in minutes
Wisconsin drivers pay an average of $57 per month for liability insurance and $125 for full-coverage car insurance. The state’s average premiums are considerably lower than the national average of $99 per month for liability and $187 for full coverage.
A combination of relatively low minimum insurance requirements, below-average accident fatality rates, and a lower population density than most states could contribute to Wisconsin’s below-average rates.
In addition to location, insurers use several other rating factors to set insurance premiums. Your age, driving history, vehicle, and other factors all affect your rates, and you could end up paying more or less than the average.[2]
The following information can help answer your remaining questions about finding the best car insurance in Wisconsin.
On average, Wisconsin drivers pay $57 per month for liability-only insurance and $125 for full-coverage car insurance. The overall average cost of car insurance in Wisconsin is $91 per month.
Wisconsin has many excellent car insurance companies, but some of the best include State Farm, Erie, American Family, USAA, and Auto-Owners. The best insurer for you depends on your unique circumstances and budget.
Wisconsin law requires all drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability insurance and at least $10,000 of property damage liability coverage. The state also requires uninsured motorist coverage for bodily injury coverage in the same amounts.[3]
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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