Cheap Auto Insurance in Madison, Wisconsin (2024)

USAA offers the cheapest car insurance in Madison, with minimum-coverage policies as low as $22 per month.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

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.

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Katie Powers
Edited byKatie Powers
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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.

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Updated May 23, 2024

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Cheapest recent rates near Madison, Wisconsin

Drivers using Insurify have found quotes as cheap as $32/mo for liability only and $45/mo for full coverage in Madison and other Wisconsin cities.

*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of auto insurance in Madison, Wisconsin, is $61 for a liability-only policy and $135 for full coverage. This is on par with the state average of $61 for liability coverage and $140 for a full-coverage policy.

Wisconsin drivers pay lower rates than the overall national average rate, perhaps partially due to the state’s at-fault system. Ultimately, the cost of your auto insurance policy will vary depending on your driving record, marital status, credit history, and the type of vehicle you drive.[1]

Here’s what you should know about finding auto coverage in Madison.

Quick Facts
  • USAA, Auto-Owners, and State Farm are the three cheapest insurers in Madison.

  • Wisconsin law allows auto insurers to consider your credit information when determining your premium.[2]

  • Because Wisconsin is an at-fault state, the driver who caused the accident is responsible for covering the costs of the other driver’s resulting injury and vehicle damage.[3]

Best car insurance companies in Madison

Car insurance rates can vary quite a bit depending on the company you choose. Overall, USAA, State Farm, and Auto-Owners offer the best car insurance options for Madison drivers.

But the best auto insurance policy for you depends on your specific insurance needs, so it’s a good idea to compare your coverage options and speak to an insurance agent about your options.

Insurance CompanyIQ 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 CoverageLiability OnlyBest For
USAA4.7$43$22Veterans
State Farm4.6$45$23Safe drivers
Auto-Owners4.3$46$23New vehicles
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.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$43/mo

USAA has been in business for more than 100 years and receives high ratings for customer satisfaction. The company offers low rates for active-duty military members, veterans, and their families. Nearly 9,000 veterans currently live in Madison, so many drivers in the city can benefit from coverage from USAA.

Pros
  • High customer satisfaction ratings

  • Discount of up to 30% via SafePilot safe driving program

Cons
  • Exclusive eligibility requirements for active-duty military members, veteranas, and their families

  • No 24/7 customer phone support

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for safe drivers: State Farm

Compare personalized, real-time quotes
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.
4.6
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.
$44/mo

State Farm offers insurance products in all 50 states and gives policyholders numerous opportunities to save on auto insurance. Safe drivers can use the Drive Safe & Save program to save up to 30% on car insurance. The company offers customizable coverage and bundling opportunities.

Pros
  • Rideshare insurance available

  • Above-average J.D. Power customer satisfaction rating in the North Central region

Cons
  • Doesn’t offer gap insurance 

  • Potentially not the most affordable option for drivers with traffic violations

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for new vehicles: Auto-Owners

Compare personalized, real-time quotes
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.
4.3
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.
$45/mo

Founded in 1916, Auto-Owners offers policyholders Purchase Price Guarantee, Total Loss, and gap insurance coverages, which can all benefit owners of new cars. If your financed, newer vehicle is totaled, these coverages can help you receive the original cost of the vehicle and pay off any remaining loan or lease balance. Additionally, Auto-Owners at least 13 discounts, including savings tied to how you pay for coverage, whether you bundle policies, and more.

Pros
  • Above-average J.D. Power customer satisfaction rating in the North Central region

  • Multiple available coverages to help protect new cars

Cons
  • Not available in every state

  • Online quotes not available

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

How to get the cheapest car insurance in Madison

Insurance companies look at a variety of factors to determine your auto insurance rates. Insurers use different parameters, but most look at your driving history, location, age, and deductible.

Here are five ways to find lower rates on car insurance in Madison:

  • Choose a higher deductible. You’ll pay an out-of-pocket deductible before your insurance company pays an insurance claim. The higher your deductible, the less you’ll pay each month for auto insurance.

  • Choose a safer car. Most insurance companies will lower your premium if your car has safety features like airbags, anti-lock brakes, and alarm systems.

  • Take advantage of low-mileage discounts. If your annual mileage is below average, you may qualify for a low-mileage discount.

  • Bundle your insurance coverage. Another way to save is by bundling your auto policy with home insurance, renters insurance, or life insurance.

  • Shop around. Different insurance companies offer different rates and discounts, so you should shop around among different insurers. An online comparison tool is a good way to compare rates from multiple insurers simultaneously.

Cheapest liability-only car insurance in Madison: USAA

Liability-only car insurance covers the other driver’s vehicle damages and medical expenses if you cause an auto accident. It doesn’t pay for any of your car repairs or medical bills you incur.[4]

Because liability insurance is less expensive than full coverage, some drivers choose it to save money on auto insurance. It makes the most sense for drivers with inexpensive or older vehicles.

Here are the cheapest options for liability-only insurance in Madison.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA22
Auto-Owners23
State Farm23
Erie29
GEICO30
American Family32
Mile Auto34
Chubb37
GAINSCO43
Farmers44
Nationwide44
Clearcover49
Safeco51
Progressive52
Travelers57
Liberty Mutual59
National General63
Allstate64
Dairyland66
Bristol West78
The General79
Direct Auto82
State Auto84
Foremost104
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 Madison: USAA

Full-coverage auto insurance typically includes liability, collision, and comprehensive insurance. It offers you the most protection if you have an auto accident. Full-coverage insurance can also kick in for damages from vandalism, theft, falling objects, and more.

Because full-coverage insurance comes with more robust protection, it costs more than liability-only insurance. Here are some of the cheapest full-coverage quotes for Madison drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA43
State Farm44
Auto-Owners45
Mile Auto55
Erie60
GEICO60
American Family65
Chubb74
Safeco77
Clearcover81
Farmers87
Nationwide88
Midvale Home & Auto98
Progressive104
Travelers113
Liberty Mutual119
Allstate126
National General142
GAINSCO147
State Auto149
The General173
Direct Auto185
Dairyland198
Bristol West225
Foremost277
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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Car insurance requirements in Wisconsin

All Wisconsin drivers must meet the state’s minimum liability requirements to drive a car in the state. Operating a motor vehicle without insurance will result in a fine of $500.

Here are the state’s minimum legal requirements:[5]

CoverageMinimum Requirements
Property damage liability$10,000 per accident
Bodily injury liability$25,000 per person and $50,000 per accident

Liability-only insurance doesn’t provide enough coverage for many drivers. If you want additional protection, you should consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    Uninsured motorist coverage protects you if you have an accident with an uninsured or underinsured driver who doesn’t have sufficient coverage for your damages and injury.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage, also called MedPay, can cover medical bills and hospital visits for you and your passengers following an accident. It can even kick in to cover funeral expenses.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have a car accident, collision coverage pays to repair or replace your vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damage and loss related to non-collision incidents. For example, comprehensive insurance covers vehicle repairs or replacement costs if it’s damaged in a storm, stolen, or broken into.[6]

Cheapest car insurance for drivers with an incident

Many factors influence your car insurance premiums, but your driving history may have the biggest effect. Drivers with a clean record pay the lowest rates for auto insurance. If you have a history of driving incidents — like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents — you can expect to pay more for insurance.

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Cheapest car insurance for drivers with a speeding ticket: USAA

Speeding is one of the biggest causes of auto accidents. On average, 18,000 speeding-related crashes occur in Wisconsin every year, according to the Wisconsin Department of Transportation. If you receive a speeding ticket in Madison, you may face a fine between $200 and $800, depending on the violation.[7]

Your insurance premiums will also usually increase after receiving a speeding ticket. In Madison, you might pay $96 per month for a liability-only policy with a speeding ticket on your record.

The following table compares monthly liability quotes for Madison drivers with clean records versus those with speeding violations.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
USAA2230
Auto-Owners2332
State Farm2331
Erie2941
GEICO3041
American Family3244
Mile Auto3450
Chubb3751
GAINSCO4365
Farmers4460
Nationwide4461
Clearcover4968
Safeco5171
Progressive5271
Travelers5779
Liberty Mutual5989
National General6395
Allstate6488
Dairyland6691
Bristol West78106
The General79110
Direct Auto82114
State Auto84125
Foremost104157
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

At-fault accidents are another driving incident that cause premiums to increase. Every time you file a claim request for an at-fault accident, your insurance company has to pay for repairs to your vehicle and the other driver’s vehicle. This makes you more expensive to insure, and your insurer could decide not to renew your policy if you have multiple at-fault accidents.[8]

Madison drivers with an at-fault accident pay a monthly average of $95 for liability-only insurance. Here are the cheapest liability insurance options for Madison drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
USAA2231
Auto-Owners2332
State Farm2332
Erie2941
GEICO3042
American Family3245
Mile Auto3452
Chubb3752
GAINSCO4358
Farmers4461
Nationwide4462
Clearcover4973
Safeco5169
Progressive5274
Travelers5780
Liberty Mutual5990
National General6388
Allstate6489
Dairyland6692
Bristol West78107
The General79113
Direct Auto82117
State Auto84129
Foremost104158
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 a DUI: USAA

Driving under the influence is a major offense in Wisconsin, and your first incident would result in a fine between $150 and $300. You’d also face driver’s license revocation for six to nine months.[9] Additional violations will lead to higher fines and possible jail time.

Your auto insurance rates typically increase significantly after you get a DUI, and in some cases, your insurer may drop you as a customer. If you’ve been convicted of a DUI, you might pay as much as $108 per month in Madison for a minimum coverage policy.

Here are some of the cheapest liability-only quotes for Madison drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
USAA2238
Auto-Owners2340
State Farm2340
Erie2950
GEICO3052
American Family3255
Mile Auto3453
Chubb3764
GAINSCO4374
Farmers4476
Nationwide4476
Clearcover4984
Safeco5188
Progressive5289
Travelers5798
Liberty Mutual59102
National General63108
Allstate64110
Dairyland66114
Bristol West78134
The General79136
Direct Auto82141
State Auto84145
Foremost104179
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

Your age can affect your car insurance premium. Most people see their auto insurance rates decrease after the age of 35. But once you reach 75, rates can start creeping back up again because senior drivers are more likely to have a car accident and face injury.[10]

A liability-only policy for a senior driver in Madison costs $39 per month, on average.

Fortunately, seniors can save money on auto insurance by enrolling in an approved defensive driving course or taking advantage of low-mileage discounts. Here are the cheapest insurers for senior drivers in Madison.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA1530
Auto-Owners1631
State Farm1630
Erie1939
GEICO2142
American Family2244
Mile Auto2236
Chubb2447
Nationwide2957
Farmers3059
GAINSCO31105
Progressive3265
Clearcover3457
Safeco3654
Travelers3978
Liberty Mutual4182
National General44100
Allstate4589
Dairyland46139
Bristol West55158
Direct Auto55124
State Auto57100
The General57125
Foremost71189
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

Teen drivers pay some of the highest rates for auto insurance due to their lack of driving experience. Motor vehicle crashes are the leading cause of death for U.S. teens. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers older than 20.[11]

Teenage and young drivers in Madison pay a monthly average of $100 for liability-only coverage. Young drivers can find more affordable car insurance by earning good student discounts or driving a safe vehicle. Joining your parents’ existing insurance policy is another way to secure the best rate.

Here are the cheapest options for teenage drivers in Madison.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA3568
State Farm3771
Auto-Owners3874
GEICO4589
Erie4696
American Family53108
Mile Auto63102
Chubb65130
Nationwide71143
GAINSCO73251
Farmers74146
Progressive90179
Clearcover91150
Travelers98194
Safeco102154
Dairyland105315
Liberty Mutual105211
Allstate106210
National General112253
The General121265
Bristol West126364
State Auto142251
Direct Auto143322
Foremost175467
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 Cheap Car Insurance in Madison

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Madison car insurance quotes by credit tier

Wisconsin is one of many states that allows insurance companies to consider credit history when determining insurance premiums. Some research shows that drivers with bad credit file more insurance claims, which is why insurers may adjust rates accordingly.

Drivers with excellent or good credit scores pay less for auto insurance than people with poor credit scores. Here’s what Madison drivers can expect to pay for full-coverage car insurance by credit tier.

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.

Is car insurance more expensive in Madison?

Madison's car insurance rates are on part with Wisconsin's state averages, but lower than national averages. In Madison, full coverage averages $135 per month while liability-only coverage is $61 per month. Wisconsin's averages are $140 for full coverage and $57 for minimum coverage, while the national averages are $215 and $104, respectively.

Wisconsin car insurance rates can vary depending on your city and your ZIP code. For example, if you live in a city with higher rates of vandalism, you can expect to pay more for auto insurance. You’ll also pay more for insurance if you live in a big city than in a small town.

More cities in Wisconsin

Here are monthly rates in some other Wisconsin cities.

CityFull CoverageLiability Only
Kenosha$140$68
Milwaukee$210$91
Racine$136$74
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.

Madison car insurance FAQs

Before you compare quotes from multiple insurers, you should decide how much coverage you need. The following information should help you navigate the process of buying cheap car insurance in Madison, Wisconsin.

  • How much is car insurance in Madison, Wisconsin?

    The overall average cost of car insurance in Madison is $98 per month. On average, Madison drivers pay $61 per month for liability coverage and $135 for full-coverage insurance, according to Insurify data.

  • Who has the cheapest car insurance in Madison?

    USAA offers the cheapest car insurance quotes in Madison, with liability-only rates starting at $22 per month. Madison drivers can also find affordable coverage through the city's second- and third-cheapest insurers, Auto-Owners and State Farm, which have minimum-coverage rates as low as $23 and $23, respectively.

    Your actual quotes may be higher or lower than average, based on factors specific to you like your age, gender, and driving history.

  • What are the best car insurance companies in Madison?

    USAA, State Farm, and Auto-Owners are among the best insurers offering coverage for Madison drivers. All three offer competitive rates, have good financial strength ratings from AM Best, and IQ scores of 4 (out of 5) or better. That said, the best insurer for you may be different, based on your individual rating factors and coverage needs. Comparing quotes from multiple companies is the best way to find the coverage you need at an affordable price.

  • How much is car insurance in Wisconsin per month?

    Car insurance in Wisconsin costs $101 per month, on average. Drivers in the state pay $61 per month for liability coverage and $140 for full-coverage insurance.

  • What is the minimum coverage for car insurance in Wisconsin?

    Wisconsin drivers must carry a minimum of $10,000 per accident in property damage liability coverage, as well as $25,000 per person and $50,000 per accident in bodily injury 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.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information."
  3. NOLO. "Wisconsin Car Insurance Requirements."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. State of Wisconsin Department of Transportation. "Minimum insurance requirements."
  6. Insurance Information Institute. "What is covered by a basic auto insurance policy?."
  7. State of Wisconsin Department of Transportation. "Speeding."
  8. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  9. State of Wisconsin Department of Transportation. "OWI AND RELATED ALCOHOL AND DRUG OFFENSE PENALTIES (AS OF OCTOBER 1, 2020)."
  10. Centers for Disease Control and Prevention. "Older Adult Drivers."
  11. Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
Jamie Johnson
Jamie Johnson

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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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