Cheap Full-Coverage Car Insurance in Wisconsin (2026)
Wisconsin drivers can find the cheapest full-coverage car insurance from USAA, with an average rate of $55 per month.
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Writer: Ashlee ValentineInsurance and Personal Finance Writer
Writer: Ashlee ValentineInsurance and Personal Finance Writer
Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
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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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Quick Facts
Full-coverage car insurance in Wisconsin costs an average of $125 per month, compared to $187 nationally.
Wisconsin drivers with an accident on their record pay an average of $163 per month for full coverage.
Comprehensive insurance covers damage from deer collisions. Wildlife collisions are a significant risk on Wisconsin roads, with nearly 18,000 deer-related crashes occurring in 2025.
Cheapest full-coverage car insurance in Wisconsin
Full-coverage auto insurance costs an average of $125 per month in Wisconsin. But some insurers offer more affordable rates. USAA has the cheapest average rates in Wisconsin.
The following table compares affordable full-coverage car insurance in Wisconsin.
The below rates in Wisconsin are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| USAA | $55 |
| Auto-Owners | $59 |
| State Farm | $59 |
| Progressive | $73 |
| Erie | $78 |
| American Family | $84 |
| GEICO | $88 |
| Chubb | $97 |
| Certainly | $98 |
| Safeco | $102 |
| Allstate | $109 |
| Farmers | $113 |
| Direct Auto | $120 |
| Liberty Mutual | $128 |
| Travelers | $146 |
| Bristol West | $160 |
| First Chicago | $160 |
| National General | $162 |
| Root | $162 |
| The General | $186 |
| GAINSCO | $208 |
| Dairyland | $219 |
| State Auto | $219 |
Disclaimer: Table data sourced from real-time Wisconsin car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Wisconsin may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Wisconsin?
The average cost of full-coverage car insurance in Wisconsin is $125 per month, according to Insurify data. Compare that to the national average of $187.
Your coverage limits and deductibles partly determine your premiums in Wisconsin. Your driving record, credit history, and vehicle also affect your auto insurance rates.
Insurers typically use your location when setting premiums, and more populated areas usually have higher rates.[1] So drivers in metropolitan areas like Green Bay and Kenosha may pay more for coverage than people in New Glarus.
High-risk drivers usually pay higher Wisconsin car insurance rates after an operating while intoxicated (OWI) conviction, speeding ticket, or an at-fault accident.
Find Cheap Full-Coverage Car Insurance in Wisconsin
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How to find cheap full-coverage car insurance in Wisconsin
You may be able to lower your full-coverage premiums in Wisconsin without sacrificing coverage. Here are some strategies to find the cheapest car insurance in Wisconsin:
Compare quotes. Get car insurance quotes from multiple insurers to find the best car insurance in Wisconsin for your coverage needs.
Review your deductibles. Many Wisconsin drivers choose a $1,000 comprehensive and collision deductible, according to Insurify data. Higher deductibles can lower your premiums, but they increase out-of-pocket costs if you file a claim.
Ask about discounts. Some insurers offer savings for safe driving, vehicle safety features, paying your premium in full, or insuring multiple vehicles. Ask your insurance company if you qualify for any discounts.
Bundle your policies. Bundling homeowners or renters insurance with your auto coverage may qualify you for a multi-policy discount.
Maintain a clean driving record. Avoiding tickets and at-fault accidents can help you qualify for lower rates.[2]
What full-coverage car insurance covers
Full-coverage car insurance isn’t one specific policy type. It typically combines state-minimum coverage with collision and comprehensive insurance. You may also have the option to add medical payments (MedPay) coverage. Here’s what full coverage usually includes:
Liability coverage
Liability insurance pays for injuries and property damage you cause to others, up to your policy limits. It doesn’t cover your own injuries or damage to your vehicle.
Collision coverage
Collision insurance helps pay to repair or replace your vehicle after a collision with another vehicle or object, regardless of fault. You usually need to pay your deductible before your insurer covers damages.
Car insurance requirements in Wisconsin
Wisconsin’s state-minimum car insurance requirements include:
Bodily injury liability coverage: You need $25,000 per person and $50,000 per accident for injuries or death you cause to others.
Property damage liability coverage: You need $10,000 per accident for damage you cause to someone else’s property.
Uninsured motorist coverage: You need $25,000 per person and $50,000 per accident for injuries caused to you or your passengers by an uninsured or hit-and-run driver.
The Wisconsin Office of the Commissioner of Insurance recommends higher liability limits than the state-required minimums. Higher limits help protect your assets if you cause damages that exceed the state’s minimum limits.
Minimum vs. full-coverage car insurance in Wisconsin
Minimum coverage only meets Wisconsin’s legal requirements. But full coverage includes minimum liability insurance and also covers your injuries and damage to your vehicle. Required liability coverage won’t pay to repair your car after an at-fault collision or weather damage.
The table below outlines what liability and full-coverage insurance typically covers.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Wisconsin | $57 | $125 |
| Covers damage to your own car | No | Yes, up to policy limits |
| Covers damage to other cars | Yes, up to policy limits | Yes, up to policy limits |
| Covers injuries caused by uninsured drivers | Yes, with uninsured motorist coverage | Yes, with uninsured motorist coverage |
| Covers theft and weather damage to your car | No | Yes, with comprehensive coverage |
| Typically meets lender requirements | No | Yes, with comprehensive and collision coverage |
Disclaimer: Table data is based on real-time Wisconsin quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Wisconsin?
If you couldn’t afford to repair or replace your vehicle out of pocket after an accident, full-coverage auto insurance may be worth the extra cost.
Let’s say you own a car worth $15,000 and cause an accident that totals it. With liability-only insurance, you’d have to pay to replace the vehicle yourself. With collision coverage and a $1,000 deductible, you could receive up to $14,000 to replace your car.
For older or lower-value vehicles, the additional full-coverage premiums may be harder to justify. When deciding whether full coverage is worthwhile, consider your vehicle’s value and whether you could afford to replace it. If your vehicle isn’t worth much or you can afford out-of-pocket repairs, full coverage may not be worth it.
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Pros and cons of full-coverage car insurance in Wisconsin
Full coverage can help protect your finances from expensive repairs, but the additional monthly cost isn’t worthwhile for every driver.
Pros
Helps pay for damage to your vehicle from collisions, theft, weather, and animals
Reduces out-of-pocket losses if you total your vehicle
Typically meets lenders’ requirements
Cons
Costs more than liability-only insurance
Comprehensive and collision claims generally have separate deductibles
Standard policies typically pay based on your vehicle’s actual cash value (ACV), not the cost to replace it
Full-coverage car insurance in Wisconsin FAQs
Here are answers to some of the most common questions Wisconsin drivers have about full-coverage car insurance.
Does Wisconsin require full-coverage car insurance?
No. Wisconsin doesn’t require full-coverage car insurance. The state requires only liability and uninsured motorist coverage. Underinsured motorist coverage, collision, and comprehensive coverage are optional. But your lender may require you to have full coverage if you finance your vehicle.
What company has the cheapest full-coverage car insurance in Wisconsin?
USAA offers the cheapest full-coverage car insurance in Wisconsin, with an average monthly rate of $55, according to Insurify data. But your premium will vary based on several factors, including your driving history, coverage choices, and ZIP code.
How can you lower your car insurance premium in Wisconsin?
Comparing quotes from multiple insurers is one of the best ways to lower your car insurance premiums in Wisconsin. You can also save money by maintaining a clean driving record and checking if you qualify for any discounts. Raising your deductibles can lower your monthly cost, but make sure you can afford the extra out-of-pocket expense if you file a claim.
What car insurance discounts are available in Wisconsin?
Wisconsin insurance companies offer various discounts. Common savings include good driver, anti-theft, and good student discounts. Many insurers also offer savings for insuring multiple vehicles and bundling homeowners and auto insurance.
Sources
- Wisconsin Office of the Commissioner of Insurance. "Consumer’s Guide to Auto Insurance."
- Wisconsin Office of the Commissioner of Insurance. "Tips for Saving on Auto Insurance."
- Wisconsin Office of the Commissioner of Insurance. "Frequently Asked Questions - Automobile Insurance."
- Wisconsin Department of Transportation. "Final year-end crash statistics."
Methodology
Insurify data scientists analyzed more than 250 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:
- 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
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Ashlee ValentineInsurance and Personal Finance Writer
Writer: Ashlee ValentineInsurance and Personal Finance Writer
Ashlee Valentine is an experienced insurance and personal finance writer and editor whose work has appeared in Forbes Advisor, Bankrate, CNET, and other national publications. She has spent nearly a decade writing and editing insurance content, including serving in senior editorial roles covering insurance research, ratings, and consumer guidance. Her extensive insurance experience spans personal and commercial auto, life, business, health, and homeowners insurance.
Ashlee holds an MBA with a concentration in finance and has more than a decade of professional experience in finance, procurement, and supply chain management. She brings a research-driven approach to her work, with a focus on making complex insurance and financial topics clear, accurate, and useful to consumers.
When she isn't writing and editing, Ashlee enjoys gardening, homesteading, and spending time with her family on their farm in Kentucky.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
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.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.