120+ more)
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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Licensed auto and home insurance agent
3+ 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.
Featured in
){kind=small}
){kind=small}
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
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.
| User Reviews | 4.1 |
|---|---|
| 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. | $40/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. | $60/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.
Need a new insurance company
State Farm
Good
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
| 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. | 8.4 /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. | $53/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. | $80/mo |
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.
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.
Stick With Erie Insurance
A great insurance company
Searching for lower costs
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
| User Reviews | 4.5 |
|---|---|
| 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. | $57/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. | $87/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
American Family Insurance
Check the Fine Details
Pricing Themselves Out of Customers!
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
| 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. | $38/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. | $58/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.
USAA is good for super good insurance, but it costs much more to receive 'benefits' I don't really need.
My 57 Years with USAA
Great insurance for those who qualify.
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
| User Reviews | 3.9 |
|---|---|
| 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. | 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. | $40/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. | $61/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.
Good Insurance Company
Okay Service
Fair Insurance, One Bad Agent
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 $65 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 $107 per month for liability and $192 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 $65 per month for liability-only insurance and $125 for full-coverage car insurance. The overall average cost of car insurance in Wisconsin is $95 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]
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Licensed auto and home insurance agent
3+ 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.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
)
