Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
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.
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.
Save up to $717 by comparing quotes from the top 100+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
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.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
With more than 5.9 million residents and extreme winter weather, Wisconsin poses some challenging conditions for drivers. Yet the Badger state's car insurance rates are on par with national averages. Full-coverage car insurance costs a monthly average of $136 in Wisconsin, while liability-only insurance averages $61 per month. By comparison, the national averages are $212 and $103, respectively.
Wisconsin's low fatality rate of just under 1% and moderate population density likely contribute to its affordable car insurance rates. Still, Wisconsin drivers should compare quotes from multiple insurers to find the coverage they need at the lowest price available to them.
Quick Facts
USAA, Auto-Owners, and State Farm are the cheapest car insurance companies in Wisconsin.
Wisconsin had 128,830 traffic accidents in 2022 (the most recent data available), of which 547 resulted in fatalities.[1]
Speed was a factor in 17,895 accidents in 2022, and caused 162 fatalities, according to Wisconsin Department of Transportation data.
Best car insurance companies in Wisconsin
The best auto insurance company for you will depend on your personal situation and needs. Find some of the best insurance companies in Wisconsin for different types of drivers listed below, based on what you value in an insurer.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
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.
$23/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.
$45/mo
State Farm earned its place as the best car insurance overall in Wisconsin thanks to its high customer satisfaction and low rates. The insurer also ranked above-average for overall customer satisfaction in the J.D. Power 2023 U.S. Auto Insurance Study.[2]
State Farm offers something for everyone — with insurance for rideshare drivers, good student discounts for teen drivers, and coverage for sports cars. With the company’s usage-based Drive Safe & Save program, good drivers could save as much as 30% on their insurance premiums.
Pros
Affordable liability and full-coverage premiums
Above-average customer satisfaction rankings from J.D. Power
A++ (Superior) financial strength rating from AM Best, the highest level possible
Cons
Doesn’t offer gap insurance
Higher average rates for drivers with a bad driving history
Accident forgiveness coverage only available to long-time customers
Craig - March 26, 2024
Verified
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
David - March 26, 2024
Verified
Considering Expanding Coverage
I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.
Beverly - March 26, 2024
Verified
Unsatisfactory Experience
A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
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.
$31/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
GEICO offers some of the cheapest rates in Wisconsin, and allows drivers to personalize their vehicle coverage. It's also known for quality customer service. GEICO offers numerous discounts for vehicle equipment, driving history, driver's education, driver affiliations, and customer loyalty. Drivers can also earn discounts for take a defensive driving course, being in the military, or working for the federal government.
Pros
Numerous discounts available
Personalized car insurance coverage
Above-average customer satisfaction rankings from J.D. Power
Cons
Fewer coverage options than some auto insurers (no gap or rideshare insurance)
High average premium rates for drivers with a past DUI
Limited number of local agents
Radera - March 26, 2024
Verified
Don't Recommend
I wouldn't recommend them. They seem to look for any reason to cancel your policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891
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.
$22/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.
$44/mo
Wisconsin is home to more than 308,000 veterans, and multiple military sites. Active-duty military members, veterans, and their families will find cheap rates and excellent customer service from USAA. The insurer was the highest-scoring company for customer satisfaction in J.D. Power's 2023 U.S. Auto Insurance Study. In addition to low rates, USAA offers multiple ways to save even more, including discounts for good students, good drivers, loyal customers, bundling, and more.
Pros
Cheapest average premiums for Wisconsin drivers
Highly rated mobile app
SafePilot telematics program allows drivers to save up to 30% on premiums
Cons
Coverage restricted to members of the military community
Doesn’t offer gap insurance
Doesn’t offer 24/7 live customer support over the phone
Roy - March 21, 2024
Verified
My Review
USAA is the best.
Gary - March 18, 2024
Verified
Poor
Too darn high.
Gabrielle - March 16, 2024
Verified
Just Don't! Save Yourself!
Absolutely terrible. This company left me without a car for 8 months. They couldn't decide whether or not to total my car after it was already repaired. There were so many mistakes on their end and all I received at the end was a voicemail acknowledging their mistakes and an apology. This was literally the worst experience I've had with an insurance company. I'm traumatized!
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$55/mo
Wisconsin motorists who don't drive much can find good rates with Mile Auto. The insurer uses miles driven, as well as other common rating factors, to determine your premiums. The lower your monthly mileage, the more you can save. Mile Auto offers full-coverage and liability-only policies, as well as uninsured/underinsured motorist, personal injury protection, and rental reimbursement coverages.
Pros
Low rates for drivers with low mileage
No tracking devices needed to track miles
Common optional coverages available
Cons
No discounts available
Only sells car insurance, so no bundling discounts available
Not available in every state
How Insurify rates the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page.
The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across driver ages, genders, credit scores, and driver profiles for Wisconsin drivers.
How to shop for the best car insurance in Wisconsin
Because everyone has different circumstances, no single policy works best for every driver. Consider these five factors when determining which policy makes the most sense for you:
How often you drive: The more time you spend behind the wheel, the greater likelihood you have of getting into an accident, so your policy should reflect this. If you spend a lot of time driving for work, you’ll need higher coverage levels. If you spend very little time driving, you may want to opt for less coverage.
Your vehicle type: If you drive a sports car orluxury vehicle, you’ll probably pay more for insurance, since these cars cost more to repair or replace. On the other hand, if you drive a vehicle equipped with safety features, you may earn a discount on your auto insurance.
Where you live: If you live in an urban area and park your car on the street, you’ll pay more for insurance, since your car is at higher risk for vandalism or theft. Whereas you may pay less for insurance if you live in the suburbs.
Whether you share the vehicle: If other people regularly drive your car, you need to include them on your insurance policy as well. For instance, if your teen regularly drives your car, your insurance premiums may increase.
The legal requirements: Finally, you need to consider the legal insurance requirements to ensure you comply with state mandates. Most states, including Wisconsin, require that you purchase at least minimum liability insurance.[3]
How to get the cheapest car insurance in Wisconsin
Once you understand the different factors affecting your car insurance rates, you can find ways to lower your rates. Here are five strategies you can use to find cheap car insurance in Wisconsin:
Choose a higher deductible. If you set a higher collision or comprehensive deductible, you’ll pay less on your monthly premiums. However, make sure you can realistically afford to pay the deductible out of pocket if you have an auto accident.
Take advantage of discounts. Most insurance companies offer a variety of discounts to new customers. For instance, teen drivers can save money with a good student discount. Drivers who spend very little time on the road or carpool to work may earn a low-mileage discount.
Improve your credit score. Most states allow car insurance companies to consider your credit information when pricing your auto insurance. Actuarial data shows that people with good credit file fewer claims. Focus on keeping your credit balances low and paying your bills on time to improve your credit score.
Shop around. Comparing quotesfrom several different insurers is one of the best ways to save on auto insurance. You can use an insurance comparison site like Insurify to receive quotes from multiple companies in one place.
Minimum car insurance requirements in Wisconsin
Wisconsin state law requires all motor vehicle drivers to have proof of insurance. If the police catch you driving without insurance, you could face a fine of up to $500. You need to meet the state’s minimum auto insurance requirements to legally drive in Wisconsin.
Uninsured motorist coverage for two or more people
$50,000
Liability-only vs. full-coverage insurance in Wisconsin
Wisconsin state law requires that all drivers purchase minimum liability auto insurance. Liability insurance covers property damage and bodily injury for the other driver involved in the accident. However, it won’t cover any damages to your vehicle.
In comparison,full-coverage insurance includes collision and comprehensive coverage. Collision insurance will cover the cost of repairing or replacing your vehicle following a collision with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage. And comprehensive coverage reimburses you if your car faces non-collision damage from vandalism, natural disasters, and more.
If you purchase liability insurance, you’ll meet the state requirements, but it may not provide the amount of coverage you need. If you want a higher level of protection, you should opt for full-coverage insurance.
The table below shows average monthly quotes from top insurers in Wisconsin.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Wisconsin
Unlock discounts and savings when you compare quotes through Insurify
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Wisconsin car insurance rates by driving and accident history
As you can see below, drivers with clean records receive the lowest average premiums for liability coverage, while drivers with a DUI face the highest premiums.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
SR-22 insurance in Wisconsin
Filing an SR-22 form with the state shows you’ve met the state’s minimum car insurance requirements. Wisconsin residents have to file an SR-22 certificate in the following situations:
To obtain an occupational license after license suspension or revocation
To reinstate your driving privileges following revocation
To reinstate your license after a damage judgment or uninsured motorists/safety responsibility law suspension
For drivers younger than age of 18 without a sponsor
Wisconsin car insurance quotes by credit tier
Wisconsin state law allows insurers to consider credit history when determining insurance premiums. Insurance companies use information from your credit record to generate a credit-based insurance score meant to predict your likelihood of filing a claim. Drivers with excellent or good credit scores will qualify for lower insurance premiums than people with poor credit scores.
Car insurance quotes in Wisconsin cities
The average cost of car insurance varies by your state and the city you live in. In Wisconsin, drivers in Milwaukee pay the highest monthly premiums for car insurance, while drivers in Appleton pay the least.
Location affects car insurance costs due to factors such as traffic congestion, accident frequency and severity, vehicle theft and vandalism rates, number of litigated claims, and more extreme weather conditions.
The following table shows average monthly rates for cities in Wisconsin.
City
Full Coverage
Liability Only
Kenosha
$142
$69
Madison
$125
$60
Milwaukee
$206
$91
Racine
$136
$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Wisconsin car insurance rates by driver age
Your age affects your insurance rates, and drivers younger than 25 almost always pay high rates for auto insurance. Teenagers pay the most for insurance due to their lack of driving experience and high accident frequency. Rates tend to decrease as drivers get older, but begin creeping up again after age 70 due to an increased risk of accidents for senior drivers.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Wisconsin
Minimum-coverage policies start at $22/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Car insurance in Wisconsin FAQs
Deciding on the right auto insurer for you requires some research and thoughtful consideration. If you still have questions on your mind, you’ll find more information below.
Which company has the cheapest car insurance in Wisconsin?
The three cheapest insurers in Wisconsin are USAA, Auto-Owners, and State Farm, according to Insurify data. USAA's liability rates start at $22 per month, while Auto-Owners, and State Farm offer liability-only rates of $23 and $23, respectively.
What is the required car insurance coverage in Wisconsin?
Wisconsin state law requires drivers to have proof of insurance. If you’re caught driving without insurance, you could face a fine of up to $500.
$50,000 for the injury or death of more than one person
$25,000 for uninsured motorist coverage for one person
$50,000 for uninsured motorist coverage for two or more people
What are the best car insurance companies in Wisconsin?
State Farm, USAA, Mile Auto, and GEICO are the best car insurance companies in Wisconsin, due to their price, Insurify rankings, discounts, coverage options, and customer satisfaction.
How does credit affect car insurance premiums in Wisconsin?
Almost every state allows car insurance companies to consider your credit history when pricing auto insurance. Actuarial data shows that drivers with good credit file fewer claims, making them less risky to insure. In general, the lower your credit score, the more you’ll pay for auto insurance.
Is Wisconsin a no-fault state?
No. Wisconsin follows a fault-based system, which means the driver responsible for the accident must pay for damages. These damages can include injuries, lost income, vehicle damage, and more.
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 Civic
Most Popular Car in Wisconsin
#3
State with the Most Speeding Tickets Rank
#7
State with the Moving Violations Rank
#10
State with the Most DUIs Rank
#16
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: 8.5%
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: 2.1%
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 #1 state in the country for drivers with a reckless driving offense on record.
Rank among states: #1
Percent of drivers in Wisconsin with a reckless driving offense: 2.4%
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 #3 state in the country for drivers with a rude driving violation on record.
Rank among states: #3
Percent of drivers in Wisconsin with a rude driving violation: 2.6%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Wisconsin is the #3 state in the country for drivers with a speeding ticket on record.
Rank among states: #3
Percent of drivers in Wisconsin with a speeding ticket: 13%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wisconsin is the #17 state in the country for drivers with a failure to yield violation on record.
Rank among states: #17
Percent of drivers in Wisconsin with a failure to yield violation: 0.2%
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.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
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.
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.