Cheapest Auto Insurance in Kenosha, Wisconsin (2025)
Kenosha drivers may find the cheapest liability car insurance through USAA, which has rates as low as $23 per month.
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Written byErin Gobler
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Table of contents
Drivers in Kenosha pay an average insurance premium of $107 per month, which is similar to the state average but lower than the national average.
Kenosha is among the most populated cities in Wisconsin and has a high population density, which can help explain its comparatively higher premiums. However, the state’s below-average vehicle fatality rate and low insurance requirements can help keep premiums low overall.[1]
Quick Facts
USAA, State Farm, and Auto-Owners are the cheapest car insurance companies in Kenosha.
Kenosha drivers pay an average of $81 per month for liability-only coverage and $132 per month for full coverage.
Wisconsin requires all drivers to have $25,000 per person and $50,000 per accident for bodily injury liability coverage, and $10,000 per accident for property damage liability coverage.[2]
3 of the cheapest car insurance companies in Kenosha
Kenosha drivers have plenty of affordable options when shopping for cheap car insurance. However, a few companies stand out — not only because of their affordable premiums but also because of their coverage options, discounts, and other benefits to certain customers.
Of course, the best company for you will depend on your individual situation and needs, so it’s important to shop around for the best insurer for you.
Insurance Company  | 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| USAA | 9.4 | $48 | $27 | Military families |
| State Farm | 9.3 | $50 | $28 | Customer service |
| Auto-Owners | 8.5 | $50 | $29 | Customizable coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military families: USAA
| 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. | 9.4 /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. | $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. | $47/mo |
4.9
Best choiceBased on 2,090 verified guest reviews and ratings
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,190)
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
Norman
June 7, 2025
Verified Review
USAA Value
Expensive for coverage.
Cornelius
June 2, 2025
Verified Review
Good
Good, but expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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).
A++Why we picked this company
USAA is a full-service financial services company created by military families for military families. USAA consistently has some of the cheapest and most highly rated auto insurance. Additionally, it offers many other financial services, including banking, investing, and more.
While USAA offers fewer coverage options than some competitors, it also offers a variety of discounts, including usage-based discount programs and discounts specifically for military members.
Pros
Highly rated customer satisfaction
Savings available through usage-based and pay-per-mile programs
Cons
Only available to active-duty service members, veterans, and their families
Limited available coverage options
Best insurer for customer service: State Farm
| 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. | $24/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. | $48/mo |
4.1
Best choiceBased on 11,201 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,019)
Jim
June 11, 2025
Verified Review
Question answered
Great coverage with good discounts, except for windshield chip repair.
Jessica
June 9, 2025
Verified Review
No Money Saved
The cost continues to rise, even though I joined them in the first place in an attempt to save money, and I've done the opposite. All they want to do is sell me on everything rather than take care of the needs I'm asking to have addressed. They responded quickly when I had a new car to add to the policy, but as soon as I told them I did not want full coverage on the new car, I have yet to hear back from them, even after a follow-up message. They are apparently only seeking sales and not interested in taking care of their customers.
Vicki
June 9, 2025
Verified Review
State Farm
Good insurance, just too high for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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).
A++Why we picked this company
State Farm is the largest auto insurance company in the U.S. It has affordable prices for Kenosha drivers, as well as highly rated customer service. State Farm is unique in that it has an excellent digital experience while also offering a large network of local agents and a personalized experience for all customers.
Though State Farm offers fewer discounts than many of its competitors, if you’re a safe driver, you can save on your premiums through its Drive Safe & Save program.
Pros
Highly rated customer satisfaction
Savings for safe drivers through usage-based program
Cons
Gap insurance not available
Fewer advertised discounts than many competitors
Best insurer for customizable coverage: Auto-Owners
| 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. | 8.5 /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. | $24/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. | $49/mo |
3.9
A solid optionBased on 199 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (119)
Roy
June 5, 2025
Verified Review
I don't have anything to add
Good company, but I didn't care for their premiums going up this year just for liability and roadside service.
Ann
June 1, 2025
Verified Review
Satisfaction
I like paying all at one time.
Jason
May 8, 2025
Verified Review
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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).
A++Why we picked this company
You might consider Auto-Owners insurance if you want affordable and customizable auto coverage. In addition to Wisconsin state-minimum requirements, Auto-Owners offers special add-ons like gap insurance, diminished value, additional expense, and rental gap coverage.
Unlike some major insurers, Auto-Owners doesn’t offer its policies primarily online. Instead, to get a quote and sign up for a car insurance policy, you must work directly with an insurance agent.
Pros
Highly rated customer service
Many coverage options
Cons
Online quotes not available
No usage-based discounts
How to get the cheapest car insurance in Kenosha
Your car insurance rates are based on a variety of factors, including your age, gender, location, driving history, credit score, coverage limits, and more. Many of these factors are outside of your control, but you can still get the cheapest rates possible when you’re shopping around for coverage.
Here’s how:
Compare quotes. When you’re shopping for insurance, get online quotes from several insurers so you can find the one that offers the cheapest rate for your situation.
Save with discounts. Nearly every auto insurance company offers discounts for things like being a safe driver, paying your premiums up front, signing up for automatic payments, and more. These discounts can help lower your car insurance premiums.
Bundle your home and auto policies. You can save on your premiums by bundling your auto insurance with your homeowners or renters insurance, and with some insurers, even your life insurance.
Adjust your policy. Your coverages and deductibles directly affect your premiums. You can lower your premiums by increasing your deductible or decreasing your coverage.
Find Car Insurance in Kenosha, Wisconsin
Rates start at $27 per month for liability-only policies
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Cheapest liability-only car insurance in Kenosha: USAA
A liability insurance policy protects other parties from damages when you’re at fault for an accident. The property damage liability portion of liability coverage pays for damage to other parties’ property, while the bodily injury liability portion pays for other people’s injuries.
A liability-only insurance policy is the cheapest kind you can get, but it’s not right for everyone. It doesn’t provide any coverage for your own vehicle in an accident or another incident.
The table below shows the cheapest liability-only insurance companies and their average monthly quotes. USAA offers the cheapest liability-only policies in Kenosha, with a rate of $23 per month.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $23 |
| State Farm | $24 |
| Auto-Owners | $24 |
| Erie | $32 |
| GEICO | $33 |
| American Family | $35 |
| Mile Auto | $37 |
| Chubb | $40 |
| Farmers | $47 |
| Nationwide | $48 |
| Clearcover | $50 |
| Progressive | $56 |
| Travelers | $60 |
| Allstate | $69 |
| Dairyland | $69 |
| Direct Auto | $69 |
| Safeco | $72 |
| GAINSCO | $73 |
| Bristol West | $74 |
| Root | $76 |
| State Auto | $91 |
| The General | $93 |
| National General | $108 |
| Foremost | $128 |
| Liberty Mutual | $129 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 Kenosha: USAA
While liability insurance protects only other drivers on the road and their property, full-coverage insurance protects your vehicle. There’s no set definition of full coverage, but it typically includes collision and comprehensive coverage, which pay for damages to your vehicle.
Full coverage is more expensive than liability coverage, but it can protect you from significant out-of-pocket losses. It’s a good idea for drivers who can’t afford to replace their vehicles out of pocket in the event of an accident. Additionally, if you have a loan or lease on your vehicle, your lender may require full coverage.
The table below shows the cheapest full-coverage insurers in Kenosha, as well as their monthly quotes. Drivers can find the cheapest full-coverage insurance with USAA, with a monthly rate of $47.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $47 |
| State Farm | $48 |
| Auto-Owners | $49 |
| Mile Auto | $59 |
| Erie | $64 |
| GEICO | $65 |
| American Family | $69 |
| Chubb | $80 |
| Clearcover | $84 |
| Farmers | $93 |
| Nationwide | $94 |
| Progressive | $112 |
| Safeco | $116 |
| Travelers | $121 |
| Direct Auto | $133 |
| Allstate | $137 |
| Root | $142 |
| Bristol West | $167 |
| State Auto | $180 |
| National General | $190 |
| Liberty Mutual | $200 |
| The General | $207 |
| Dairyland | $220 |
| GAINSCO | $287 |
| Foremost | $349 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Kenosha, Wisconsin
Drivers using Insurify have found quotes as cheap as $28/mo for liability only and $68/mo for full coverage in Kenosha and other Wisconsin cities.
*Quotes generated for Insurify users in and around Kenosha, Wisconsin within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kenosha, Wisconsin within the last 10 days. Last updated on June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Wisconsin
Like most states, Wisconsin law requires all drivers to have minimum liability insurance. While you don’t need proof of insurance to register your vehicle, you do need to provide it if a law enforcement officer requests it, and you could face fines of up to $500 for driving without insurance.[2]
Like most states, Wisconsin requires both bodily injury and property damage liability coverage. The state’s minimum coverage is comparable to most states for bodily injury liability but is on the low end for property damage.[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $10,000 per accident |
Though the state only requires liability insurance, you may expand your policy by adding many optional coverages, like the following:
Collision coverage
Collision coverage pays for damage to your vehicle after a collision, regardless of fault or what other vehicles are involved.
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle from events other than an accident, such as inclement weather, theft, falling objects, or vandalism.
Uninsured motorist coverage
Uninsured motorist coverage pays for damage to your vehicle when the at-fault driver doesn’t have the necessary insurance coverage.
Roadside assistance
This coverage pays for roadside assistance such as towing, tire changes, jump-starts, and more.
Rental reimbursement
This pays for your rental car when your vehicle is undrivable due to a covered incident, such as an accident.
Cheapest car insurance for drivers with an incident
Safe drivers generally pay the cheapest insurance premiums. On the other hand, drivers with any kind of incident on their record — like speeding tickets, at-fault accidents, driving under the influence (DUI) convictions, and other violations — tend to pay more.
The increase in your premiums after an incident will depend first on how severe the incident is. You can expect a DUI to raise your premiums more than a speeding ticket. For instance, Kenosha drivers with a DUI on their record pay an average of $174 per month for car insurance, while drivers with a speeding ticket pay an average of $151 per month.
Below, you’ll find the cheapest insurance coverage for drivers with clean records, as well as rates for drivers with various incidents on their records.
The below rates are estimated rates current as of: Thursday, June 5 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $23 | $30 | $31 | $37 |
| State Farm | $24 | $31 | $32 | $39 |
| Auto-Owners | $24 | $32 | $33 | $39 |
| Erie | $32 | $44 | $44 | $52 |
| GEICO | $33 | $47 | $48 | $54 |
| American Family | $35 | $47 | $48 | $57 |
| Mile Auto | $37 | $47 | $51 | $60 |
| Chubb | $40 | $53 | $54 | $65 |
| Farmers | $47 | $62 | $64 | $76 |
| Nationwide | $48 | $64 | $65 | $78 |
| Clearcover | $50 | $68 | $75 | $81 |
| Progressive | $56 | $74 | $78 | $91 |
| Travelers | $60 | $80 | $82 | $97 |
| Allstate | $69 | $91 | $93 | $112 |
| Dairyland | $69 | $91 | $93 | $112 |
| Direct Auto | $69 | $92 | $96 | $112 |
| Safeco | $72 | $97 | $102 | $117 |
| GAINSCO | $73 | $101 | $96 | $119 |
| Bristol West | $74 | $99 | $101 | $120 |
| Root | $76 | $108 | $108 | $123 |
| State Auto | $91 | $122 | $125 | $148 |
| The General | $93 | $129 | $131 | $151 |
| National General | $108 | $142 | $145 | $175 |
| Liberty Mutual | $129 | $179 | $184 | $209 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age is a major factor insurers use when determining auto insurance premiums. Generally speaking, the younger you are, the more you’ll pay for coverage. Teens, followed by young adults, pay the highest rates because they lack driving experience and tend to engage in high-risk driving behaviors.[3]
On the other hand, drivers in their 50s and 60s tend to pay some of the lowest rates. However, around age 70, rates may start to rise again. Certain impairments age causes can increase an older driver’s risk of an accident.
The table below shows the average monthly quote for drivers of each age range. As you can see, the average premium decreases steadily with age.
Age | Average Monthly Quote |
|---|---|
| Teens | $239 |
| 20s | $184 |
| 30s | $143 |
| 40s | $122 |
| 50s | $98 |
| 60s | $87 |
| 70s | $82 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance in Kenosha
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Kenosha car insurance quotes by credit tier
While it’s prohibited in some states, Wisconsin allows car insurance companies to use your credit history when determining car insurance premiums.[4]
A poor credit score can show an increased likelihood of filing an insurance claim and can result in higher insurance premiums. On the other hand, drivers with good or excellent credit tend to have lower premiums.
Here’s how a driver’s insurance premiums tend to increase as their credit score decreases in Kenosha.
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.
Kenosha car insurance FAQs
Learn about shopping for car insurance quotes before comparing rates, and check out the answers to questions about auto coverage in Kenosha below.
How much is car insurance in Kenosha?
The average cost of car insurance in Kenosha is $81 per month for liability-only coverage and $132 per month for full coverage.
Which company has the cheapest car insurance in Kenosha?
USAA, State Farm, and Auto-Owners have the cheapest liability car insurance in Kenosha, with rates of $23, $24, and $24 per month, respectively. The best way to find cheap coverage is to compare quotes from several companies to see which insurer offers you the best deal for the coverage you need.
What are the best car insurance companies in Kenosha?
Some of the best car insurance companies in Kenosha that Insurify identified are Auto-Owners, State Farm, and USAA. These insurers have strong customer satisfaction ratings, plenty of discounts and coverage options, and high Insurify Quality Scores.
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 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Institute for Highway Safety. "State by state."
- State of Wisconsin Department of Transportation. "Minimum insurance requirements."
- Insurance Institute for Highway Safety. "Teenagers."
- Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information."
)
Erin Gobler
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.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in