12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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.
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With 5.9 million residents and regular severe winter weather, Wisconsin isn’t necessarily a state you might associate with low auto insurance costs.
But despite potential problems on the road, the overall average cost of auto insurance in Wisconsin is $99 per month, which is significantly cheaper than the national average of $158 per month. Wisconsin’s relatively low vehicle fatality rate per population and per miles driven may play a part in the difference in price.[1]
Here’s what you need to know about comparing quotes and finding the lowest car insurance rates in Wisconsin.
Quick Facts
Liability insurance in Wisconsin costs $61 per month, and full coverage costs $136 per month, on average.
USAA, Auto-Owners, and State Farm have the cheapest car insurance in Wisconsin.
Showing fraudulent proof of auto insurance can result in a $5,000 fine in Wisconsin.
3 of the cheapest car insurance companies in Wisconsin
The insurer offering the cheapest car insurance rates in Wisconsin won’t be the same for every driver. Insurance companies set your premium rates using a variety of factors, including your driving record, marital status, ZIP code, coverage level, and type of car you drive.
To find the best insurance at the right price, you may want to start your search with State Farm, Erie, and Auto-Owners, since these companies offer some of the lowest average rates in the Badger State.
Insurance Company
IQ Score
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.
Full Coverage
Liability Only
Best For
State Farm
4.5
$45
$23
Cheap rates
Erie
4.4
$60
$30
Claims
Auto-Owners
4.0
$46
$23
Optional coverages
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.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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.
842
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
As the largest auto insurance company by market share, State Farm can be an easy car insurance choice for the frugal Wisconsin driver. Not only is State Farm widely available in the Badger State and across the country, but it also offers a full array of coverage options, including car rental and travel expenses, roadside assistance, medical payments, and rideshare coverage.
Customers in the North Central region also rank State Farm highly for customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Insurance Study. The company earned a score of 837 on a 1,000-point scale, above the region average of 825.
Pros
Rideshare coverage available
Discount programs specifically tailored to young drivers
Cons
Gap insurance not available
Policies only available through a State Farm agent
Mediocre. Calls to the office are neither answered nor returned. In addition, a recent rate increase has caused me to start shopping for another insurer.
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.
870
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.
$30/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
Erie insurance got its start in 1925 with the aim of offering excellent customer service. The company now distinguishes itself with money-saving programs like Rate Lock, which ensures your rates won’t go up after a claim, unless you add or remove a driver from your policy or change your residence.
Additionally, Erie is the fourth highest-rated car insurance company by the Crash Network, which grades dozens of U.S. auto insurance companies each year on how well they ensure quality repairs and customer service for motorists. This means Erie policyholders can feel confident that if they’re in an accident, their insurance company will ensure the necessary repairs are taken care of with quality parts and no pressure to cut corners.
Pros
Rideshare coverage available
Many optional coverages
Cons
Low-rated mobile app
Higher-than-average number of complaints, according to the National Association of Insurance Commissioners (NAIC)
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.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$46/mo
Since its founding in 1916, Auto-Owners has provided affordable insurance and great optional coverages through a network of independent insurance agents. Some of the optional coverages that Wisconsin drivers may be most interested in include additional expense coverage that helps you pay for incidentals if your car has damage from an accident; loan or lease gap coverage; diminished value coverage; and rental car coverage.
Pros
Many available discounts
At-fault accident forgiveness available
Cons
Quotes not available online; must work with an agent
I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified
Unhappy with Renewal Costs
The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified
Fair Prices from a Trustworthy Company
I've had zero issues!
How to get the cheapest car insurance in Wisconsin
Finding the cheapest car insurance in Wisconsin requires some shopping around, since the specific factors that each insurance company uses to set rates may vary. Even if you have a similar driving record, vehicle, and type of coverage as another driver, your location, age, gender, marital status, and credit history could affect how much you pay compared to a similar driver.
But you can use a number of strategies to lower the cost of your car insurance policy, including:
Drive safely. The cheapest rates are available to people with a clean driving history.
Bundle insurance products. To get the best deal on insurance coverage, you may want to purchase all your insurance from the same company. Whether you need renters insurance, home insurance, or another insurance product, bundling that insurance with your auto policy can help you lower the cost of car insurance.
Increase your deductible. Before your car insurance coverage will pay for a claim, you’re responsible for paying the deductible. Increasing your deductible may help you get the cheapest rates, but that doesn’t always mean you’re getting the best deal. Make sure you have enough money to cover the higher deductible in case of a car accident since you’ll have to pay the deductible before your insurance company pays for your property damage.
Find Cheap Car Insurance in Wisconsin
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Cheapest liability-only car insurance in Wisconsin: USAA
Liability-only car insurance is the minimum coverage to drive legally in a state. This kind of coverage includes bodily injury liability and property damage liability coverage. Together, these two types of coverage pay for medical expenses stemming from an accident you caused and to repair or replace the other party’s damaged property. But liability insurance doesn’t pay for your own injuries or vehicle repairs if you’re at fault in an accident.
In Wisconsin, liability insurance costs an average of $61 per month. The following companies offer cheap rates for minimum-coverage car insurance:
The below rates are estimated rates current as of: Monday, April 1 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.
Cheapest full-coverage car insurance in Wisconsin: USAA
While the minimum liability insurance to comply with Wisconsin state law may be all you need to drive legally, many drivers may prefer full-coverage car insurance as additional financial protection.
Full-coverage insurance generally includes collision coverage, which pays to repair or replace your vehicle if you cause an accident, and comprehensive coverage, which pays to repair or replace your vehicle if it has damage from anything other than a collision, such as weather, vandalism, animal damage, or theft.
Wisconsin drivers pay a monthly average of $136 for full-coverage insurance. Check out these companies offering cheap full-coverage car insurance:
The below rates are estimated rates current as of: Monday, April 1 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.
Car insurance requirements in Wisconsin
Under Wisconsin law, all drivers must carry minimum levels of liability insurance and must provide proof of insurance at traffic stops and after accidents or collisions.
Driving without insurance could result in a $500 fine. If you have insurance but can’t provide proof of it to police during a traffic stop, you may face a $10 fine. The state reserves the most serious fine for people who offer proof of insurance that turns out to be fraudulent — these drivers face a fine of up to $5,000.[2]
The minimum Wisconsin auto insurance requirements are as follows:
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$10,000 per accident
Though the above coverage levels are the minimum state requirement in Wisconsin, you may want to increase your coverage limits for bodily injury and property damage liability. This will ensure that a major collision won’t exhaust your insurance coverage.
It may also be a good idea to consider adding these types of coverage to your auto insurance policy for more financial protection:
Uninsured/underinsured motorist coverage
If an uninsured motorist causes a collision, uninsured/underinsured motorist coverage will pay for your property damage or medical bills. This may be an important coverage to add in Wisconsin since 15.1% of drivers in the state are uninsured.[3]
Personal injury protection (PIP) coverage
Personal injury protection coverage, known as PIP, pays for your medical costs in the event of an accident no matter who’s at fault. If you don’t have adequate health insurance, PIP coverage can be an important insurance to add to your policy.
Collision coverage
If you’re at fault in an accident, collision insurance will pay for damage to your vehicle.
Comprehensive coverage
Your vehicle can sustain damage from many things other than accidents or collisions. Comprehensive insurance will pay to repair or replace your vehicle if it has damage from something other than an accident, such as a natural disaster.
Wisconsin insurance laws/programs
Wisconsin is a modified comparative fault insurance state, which means that anyone whom an insurer determines to be more than 50% responsible for an accident can’t sue the other party. In addition, if a driver is found to be less than 50% responsible, an insurer will reduce (by their level of responsibility) any award they receive in a lawsuit against the more at-fault driver.
For example, a 30% at-fault driver would have their financial compensation reduced by 30%.
Cheapest car insurance for drivers with an incident
After an incident — such as a speeding ticket, an at-fault accident, or a DUI — insurers consider these drivers as higher risk than people with a clean driving record. That’s because drivers who’ve already received a traffic citation or caused an accident are statistically more likely to make a claim.
While an incident on your driving history may result in higher insurance rates for a time, affordable options are available while you work to clean up your driving record.
Shop for Car Insurance in Wisconsin
Monthly liability rates start at $28 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
Wisconsin ranks second in the nation for speeding, according to Insurify’s research. Drivers in Milwaukee have especially heavy lead feet, with more than 7,800 speeding tickets issued between January 2023 and April 2024.[4] Since drivers who speed are more likely to get into accidents, insurance companies tend to increase rates for drivers with speeding tickets — and they may even drop a driver who is a serial speeder.
In Wisconsin, drivers with a speeding ticket pay an average of $96 per month for liability coverage. Here are some insurers who offer affordable rates to drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, April 1 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.
Cheapest car insurance for drivers with an at-fault accident: USAA
Causing an accident can also increase your insurance costs, since insurers find that drivers who cause one accident are statistically more likely to make future insurance claims.
Wisconsin drivers with an at-fault accident pay $96 per month for liability coverage and $215 per month for full coverage, on average. These insurers offer inexpensive coverage to drivers with an at-fault accident.
The below rates are estimated rates current as of: Monday, April 1 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.
Cheapest car insurance for drivers with an OWI: USAA
Driving under the influence, which Wisconsin law refers to as operating while intoxicated (OWI), is a serious traffic offense and may lead to losing your insurance coverage. Someone is injured or killed every two hours in an impaired driving crash in Wisconsin, according to the state’s department of transportation.[5]
Drivers with an OWI in Wisconsin may have trouble finding insurance they can afford, and some insurers may not cover them at all. Liability insurance costs an average of $107 per month for Wisconsin drivers with a DUI. Full-coverage rates jump to $240 per month.
The insurers in the table below offer affordable coverage to drivers with an OWI in Wisconsin:
The below rates are estimated rates current as of: Monday, April 1 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.
Cheapest car insurance for seniors: USAA
For most drivers, the cost of insurance goes down steadily after age 35, with the highest premiums for drivers younger than 25. Young drivers lack experience behind the wheel, and as they gain more experience and expertise on the road, their premiums go down.
But this pattern changes for senior drivers around age 70, as they may start to experience physical or cognitive changes that can affect their driving abilities. Drivers in their 70s may see their premiums go up.
Senior drivers in Wisconsin pay $37 per month for minimum-coverage policies, on average.
The insurers in the table below also offer cheap car insurance for seniors in Wisconsin.
The below rates are estimated rates current as of: Monday, April 1 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.
Cheapest car insurance for teens: USAA
Teenagers pay the highest premium rates of any driver because their combined lack of experience and increased level of impulsivity make them more likely to get into a car accident.
Wisconsin teen drivers pay monthly averages of $98 for liability coverage and $218 for full coverage.
Teens can keep their insurance affordable by using these strategies:
Stay on your parent’s insurance policy. It’ll nearly always be cheaper to stay on a parent’s policy instead of getting your own policy.
Take a defensive driving course. Many insurers offer discounts for completing a defensive driving course.
Drive a safe car. Cars with more safety features may unlock additional discounts from your insurer.
Maintain good grades. Good students can qualify for discounts.
Teen drivers and their parents may want to check out the following insurers to find cheap car insurance for teens.
The below rates are estimated rates current as of: Monday, April 1 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.
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Wisconsin car insurance quotes by credit tier
The state of Wisconsin allows insurers to consider your credit history as part of the process of offering coverage and setting your rates. Insurers have determined that drivers with poor credit are more likely to file auto insurance claims than drivers with excellent credit.
This is why the average monthly rates for insurance in Wisconsin vary depending on credit tier. Here are those averages:
Rates by Credit Tier
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 FAQs
If you’re shopping for car insurance in Wisconsin, this additional information may help as you compare rates and coverages.
How much is car insurance in Wisconsin?
Car insurance in Wisconsin averages $61 per month for liability coverage and $136 per month for full coverage, Insurify data shows.
Which company has the cheapest car insurance in Wisconsin?
USAA has the cheapest car insurance in Wisconsin, with monthly liability rates as low as $22. Auto-Owners and State Farm also offer affordable coverage, with respective monthly liability rates of $23 and $23.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Wisconsin?
State Farm is the best car insurance company in Wisconsin. It has an IQ Score of 4.0 out of 5, above-average J.D. Power customer satisfaction ratings, and an AM Best financial strength rating of A++ (Superior).
Other top insurers in the state include Auto-Owners and Erie.
What is the minimum coverage required for car insurance in Wisconsin?
Wisconsin requires $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 per accident in property damage liability coverage.
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.
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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.
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