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- Car insurance in Wisconsin averages $34 per month for minimum-coverage policies and $127 each month for full coverage.
- State Farm tends to offer the lowest prices in Wisconsin for minimum coverage, while GEICO offers the cheapest full coverage option on average.
- High-risk drivers, including those with at-fault accidents, DUIs, or speeding tickets on their driving records, often pay higher premiums for Wisconsin car insurance.
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State Farm typically offers the cheapest car insurance in Wisconsin with an average rate of $23 per month for minimum coverage. GEICO follows close behind with the second-cheapest average rates for minimum coverage in Wisconsin.
Our team took a deep dive into leading insurers’ cost data, coverage choices, customer reviews, and industry reputations to determine the best car insurance companies in Wisconsin. To help you find the best coverage for your needs, we’ll break down each provider’s average costs and review which ones offer quality coverage in the Badger State.
Best Car Insurance Rates in Wisconsin
Wisconsin drivers can typically find the most affordable auto insurance rates from State Farm, GEICO, and Erie. However, prices vary widely by insurer and driver profile, so it’s important to get quotes from multiple providers to see which one offers the best deal for your situation.
- Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Wisconsin. We used this data to determine the cheapest coverage options from quality car insurance providers.
- When calculating overall ratings for top insurance companies, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in customer experience and online reviews to establish a numerical rating out of 5.0.
- Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
- You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Wisconsin for a few driver profiles right here:
- Cheapest full coverage: GEICO followed by Secura
- Cheapest minimum coverage: State Farm followed by GEICO
- Cheapest for teen drivers: Secura followed by Auto-Owners
- Cheapest for drivers with a traffic violation: State Farm followed by Erie
Cheapest Car Insurance Companies in Wisconsin
While finding cheap coverage is important for many drivers, you want to ensure you’re choosing a company that offers quality insurance and reliable customer service as well. The companies below offer Wisconsin’s strongest mix of affordable coverage and high-quality plans. State Farm has the Badger State’s cheapest rates overall and received the highest score of the insurers we researched.
|Car Insurance Provider||Overall Rating||Average Monthly Rate: Minimum Coverage||Average Monthly Rate: Full Coverage||Number of Discounts|
Cheapest Car Insurance Coverage in Wisconsin
Minimum-liability coverage is the cheapest auto insurance you can legally purchase in Wisconsin. It meets the state’s minimum requirements, but it doesn’t provide protection against damage to your vehicle or your medical bills – only those of other drivers and their passengers.
For greater protection, you can opt for a full-coverage auto insurance policy. This includes comprehensive and collision coverage and will cover damage to your vehicle in the case of natural disasters, vandalism, or at-fault accidents. This comes at a much higher premium than minimum-liability coverage but could save you money if an incident were to occur.
Cheapest Minimum-Liability Car Insurance in Wisconsin
A minimum-coverage policy in Wisconsin costs about $34 per month or $409 per year on average. State Farm tends to offer the cheapest minimum-liability policies with estimates of $23 per month or $280 per year.
|Car Insurance Provider||Average Monthly Rate for Minimum Coverage||Average Yearly Rate for Minimum Coverage|
|West Bend Mutual||$31||$371|
Cheapest Full-Coverage Car Insurance in Wisconsin
In Wisconsin, full-coverage auto insurance costs an average of $127 per month or $1,519 per year. Overall, GEICO offers the cheapest average estimates for full-coverage insurance at $78 per month or $932 per year.
|Car Insurance Provider||Average Monthly Rate for Full Coverage||Average Yearly Rate for Full Coverage|
|West Bend Mutual||$104||$1,248|
Wisconsin Car Insurance Quotes by Driver Profile
Car insurance rates vary widely depending on a number of factors, so what you pay for coverage will likely differ from the costs listed above. Your age, driving record, location in Wisconsin, and more influence the car insurance premiums you pay.
Cheapest Car Insurance in Wisconsin: Age
Age plays a significant role in determining auto insurance costs, with young drivers often paying the highest rates. In the table below, you’ll find the average rate estimates for Wisconsin drivers of different ages:
|Driver Age||Average Monthly Rate for Minimum Coverage||Average Monthly Rate for Full Coverage|
Cheapest Car Insurance in Wisconsin: High-Risk Drivers
Those with clean driving records often find the most affordable rates, while drivers with violations on their records can expect to pay higher premiums.
Below is a list of the top insurers in Wisconsin and their average minimum-coverage rates for good drivers versus high-risk drivers.
|Car Insurance Provider||Average Monthly Rate for Clean Driving Records||Average Monthly Rate for High-Risk Drivers|
|West Bend Mutual||$31||$46|
Car Insurance Rates in Wisconsin: Speeding Ticket
Erie tends to offer the cheapest car insurance after a speeding ticket for Wisconsin drivers, with an average rate estimate of $24 per month or $290 per year. State Farm also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.
|Car Insurance Provider||Average Monthly Rate After a Speeding Ticket||Average Yearly Rate After a Speeding Ticket|
|West Bend Mutual||$38||$456|
Car Insurance Rates in Wisconsin: At-Fault Accident
An at-fault accident on your record can also cause your auto insurance premiums to increase. State Farm typically offers the most affordable coverage for Wisconsin drivers with a recent accident, with an average rate estimate of $23 per month or $280 per year. Auto-Owners and Erie are also smart options for inexpensive coverage after an at-fault accident.
|Car Insurance Provider||Average Monthly Rate After an At-Fault Accident||Average Yearly Rate After an At-Fault Accident|
|West Bend Mutual||$40||$485|
Car Insurance Rates in Wisconsin: DUI
Drivers who receive a violation for driving under the influence (DUI) will find some of the most significant increases in their auto insurance costs. For Wisconsin motorists with a DUI on their record, State Farm offers the lowest average costs by a good bit, with rate estimates of $23 per month or $280 per year. Erie and Progressive also offer some of the more affordable premiums for these drivers.
|Car Insurance Provider||Average Monthly Rate After a DUI||Average Yearly Rate After a DUI|
|West Bend Mutual||$60||$718|
Average Cost of Car Insurance in Wisconsin
The average cost of car insurance in Wisconsin is $409 per year for minimum-liability insurance and $1,519 per year for full coverage. These rates are about 35% lower than the national average for minimum coverage and 20% lower than the national rate for full coverage.
Average Car Insurance Cost in Wisconsin by City
Even within states, car insurance costs vary significantly by city. This is due to the differences in potential risk factors in each ZIP code, such as population density, crime rates, and weather patterns. The table below shows the average rates for car insurance in Wisconsin’s largest cities.
|Cities in Wisconsin||Average Monthly Rate for Minimum Coverage||Average Monthly Rate for Full Coverage|
|Fond du Lac||$32||$112|
Wisconsin Minimum Car Insurance Coverage
According to Wisconsin law, all drivers must either meet or exceed the following minimum coverage requirements:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
While liability insurance and uninsured motorist coverage are important, they don’t protect against everything. If you want to be sure your vehicle is protected in the case of theft, vandalism, an at-fault accident, or a natural disaster, it’s worth adding collision coverage and comprehensive coverage to your auto insurance policy. Medical payments coverage (MedPay) can be a smart addition as well if you’re looking for coverage for potential medical bills.
Cheap Car Insurance in Wisconsin: Conclusion
The cheapest car insurance in Wisconsin often comes from State Farm, which has average rates of $23 per month. We recommend that you compare auto insurance quotes from multiple providers to learn which one offers you the best coverage for the most affordable price.
You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $78 per month from GEICO. Although a full-coverage policy means higher rates, it can provide greater financial protection and peace of mind.
Best Car Insurance in Wisconsin: Recommended Providers
Because car insurance premiums are highly dependent on personalized factors, it’s best to reach out to multiple companies to get a quote. The cheapest provider for one driver may not be the cheapest for another. State Farm and GEICO are two top-rated providers that tend to be affordable for many types of drivers and are a good place to start your search.
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State Farm: 4.7 out of 5.0
Based on our cost research, State Farm typically provides the cheapest car insurance in Wisconsin for those looking for minimum-coverage plans as well as high-risk drivers. It received the highest score in our industry-wide review of the best car insurance companies.
GEICO: 4.6 out of 5.0
GEICO’s car insurance rates in Wisconsin are highly competitive, nearly matching those from State Farm in many cases. It’s the cheapest option on average for full-coverage policies in the state. The company also has a solid industry reputation and reliable financial strength, making it an excellent option for those seeking coverage in the Badger State.
Cheapest Auto Insurance in Wisconsin: FAQ
Which company gives the cheapest car insurance?
Drivers in Wisconsin tend to find the cheapest car insurance from State Farm, which offers average minimum-coverage rates of $23 per month. GEICO is a close second with average rates of $24 per month.
How much is car insurance per month in Wisconsin?
The average cost of car insurance per month in Wisconsin is $34 for a minimum-coverage policy and $127 for full coverage. Our team found rates in Wisconsin as low as $23 per month for minimum coverage and $78 for a full-coverage policy.
How to reduce car insurance in Wisconsin?
You can reduce your car insurance costs in Wisconsin by lowering your coverage limits, dropping coverage types that you don’t need, and increasing your deductible. Make sure to take advantage of any driver discounts you may be eligible for to find the best prices.
How much is car insurance on average in Wisconsin?
Car insurance in Wisconsin costs $409 per year on average for minimum coverage and $1,519 annually for full coverage.
Is it illegal to drive without insurance in Wisconsin?
Yes, it is illegal to drive without insurance in Wisconsin. If you’re caught driving without coverage and current registration, you can expect to pay a fine of up to $500 and temporarily lose your license.
Is it cheaper to pay car insurance every six months or monthly?
Many car insurance companies charge less if you pay off your car insurance every six months rather than by monthly payments. Some even offer discounts for upfront payments, though you’ll want to check with your provider.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.