Cheap Wisconsin Car Insurance

Find affordable auto insurance that works for you in Wisconsin. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Wisconsin

We've made shopping for cheap insurance in the Badger State easy.  Read on to learn how the most common rating factors affect average premiums in Wisconsin. Then, submit your ZIP code above to find the right quote options in just a few minutes.


 

Affordable insurance companies in Wisconsin

What's the cheapest car insurance in Wisconsin?
RankCompany NameAvg. Annual Premium
1Travelers$812
2Partners Mutual$872
3USAA$874
4West Bend Mutual$920
5State Farm$982
6Nationwide$1,108
7Progressive$1,202
8Acuity$1,409
9American Family$1,441
10Allstate$2,302

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Cheap auto insurance for good drivers in Wisconsin

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Wisconsin drivers without a recent moving violation can save 19% on their car insurance premiums, on average — compared to the national average of 17%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$25619.89%
No Accidents$54234.40%
Good Credit$85045.15%

 

Cheap auto insurance for young drivers in Wisconsin

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Wisconsin, the average teen driver pays $3,837 — less than the national average but more than three times more than an older driver in Wisconsin.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$3,308$6,679
17$3,012$5,108
18$2,963$4,541
19$2,613$2,472

 

Cheap auto insurance for bad drivers in Wisconsin

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 38% after a DUI, 34% after an at-fault accident, and 19% after a speeding ticket in Wisconsin. The post-citation penalties assessed by car insurance companies after DUI violations and at-fault accidents in Wisconsin generally align with nationwide averages. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,57434.40%
DUI$1,67038.18%
Speeding Violation$1,28919.89%
Bad Credit$1,88245.15%

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Top rated car insurance companies in Wisconsin

Each and every car insurer emphasizes its affordable prices. But as with any service, the cheapest car insurance policy is not always the preferable selection. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that can cover your vehicle completely in the event of an accident. Exercise some patience and look for a great value, rather than settling for the most affordable car insurance you find.

Compare top auto insurers' financial strength and claims satisfaction ratings to better understand the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is rated on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Superior" to "Poor" — measures an insurer's financial stability and ability to satisfy its policy and contractual obligations.

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AcuityN/AN/ASuperiorN/A
AllstateAbove averageAverageSuperior4.3 / 5
American FamilyBelow averageExcellentExcellent4.3 / 5
Auto-OwnersExcellentAbove averageSuperiorN/A
GEICOAverageAverageSuperior4.4 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

Wisconsin auto insurance laws

In Wisconsin, state minimum coverage requirements include liability coverage and uninsured motorist coverage with limits of:

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $10,000 per accident
  • Uninsured motorist property damage: $25,000 per person
  • Uninsured motorist property damage: $50,000 per accident

Optional coverage in Wisconsin (varying by carrier) includes:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury

If you carry the minimum required coverage in Wisconsin, you can expect to owe an average of $405 each year. This average cost is cheaper than the U.S. average by 38%. If you opt for better auto insurance coverage, you can choose a policy with comprehensive and collision coverage, protecting against damages caused by car-versus-car crashes, theft, or weather incidents. It's worth noting that better insurance coverage has a cost: in Wisconsin, a comprehensive policy with a $1,000 deductible costs $895, 121% more than basic insurance coverage. For comprehensive coverage with a $500 deductible, expect to pay 156% more than for basic liability-only coverage.

Additional info on insurance requirements in the state of Wisconsin.

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How tickets change insurance rates in Wisconsin

If you receive a ticket, your car insurance rates will probably rise. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of average car insurance rates in Wisconsin after a few common citations.

 

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,72561%$655
Refused Breathalyzer/Chemical Test$1,56847%$498
DUI$1,56847%$498
Racing$1,72561%$655
Reckless Driving$1,72561%$655
Driving with a Suspended License$1,75764%$687
At-Fault Accident$1,56446%$494
Driving with an Open Container$1,48639%$417
Operating a Vehicle Without Permission$1,58548%$516
Passing a School Bus$1,40932%$340
Improper Passing$1,39630%$326
Following Too Closely$1,38529%$315
Speeding$1,37529%$305
Failure to Stop at a Red Light$1,38529%$315
Illegal Turn$1,37529%$305
Driving Wrong Way/Wrong Lane$1,35126%$281
Failure to Yield$1,38529%$315
Speeding in a School Zone$1,37929%$309
Driving Too Slowly$1,36928%$300
Distracted Driving$1,30429%$234
Driving with Expired Registration$1,19712%$128
Failure to Show Documents$1,19712%$128
Not-at-Fault Accident$1,18611%$117
Failure to Use Child Safety Restraint$1,1447%$74
Failure to Wear a Seat Belt$1,17410%$105
Driving Without Lights$1,1447%$74

 

Wisconsin car insurance FAQs

Who has the cheapest car insurance in Wisconsin?

Our user profile shows Travelers and Partners Mutual offer the cheapest full coverage rates in Wisconsin. Travelers costs $406 for a six-month policy and Partners Mutual costs slightly more, at $436.

How much is car insurance in Wisconsin a month?

If you only want minimum liability coverage, rates average $202 for a six-month policy. If you want more coverage, rates increase to $518.

Can you drive without car insurance in Wisconsin?

Currently, you cannot legally drive without insurance in Wisconsin. If you're looking for car insurance in Wisconsin, use our comparison tool to get started.

How much does car insurance cost in Wisconsin cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Sheboygan, Wisconsin, and the most expensive in Milwaukee, Wisconsin.

RankCityAvg. Annual Premium
1Milwaukee$1,587
2Kenosha$1,218
3Madison$1,149
4Brookfield$1,124
5Menomonee Falls$1,111
6Waukesha$1,065
7Eau Claire$1,060
8Oshkosh$997
9Green Bay$984
10Sheboygan$974

 

Recent Questions:

Am I able to buy insurance now and use it to file a claim for a not-at-fault rental car accident?

Insurance never works retroactively; it goes by the effective date stated on the policy. Any incidents that happened prior to the date of binding will not be covered.
Jan 31, 2020 Neenah, WI

Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point.
Sep 3, 2019 Waukesha, WI

Daughter needs SR22 but doesn't have a car

She needs a non-owners policy. Basically, this policy allows your daughter to show proof of insurance without owning a vehicle.
Jun 12, 2018 Franklin, WI

How can I file a glass claim without comprehensive coverage?

Without comprehensive coverage, you wouldn't have a way to file a claim. I recommend getting an estimate for the repairs and see if you can afford it.
Jun 13, 2018 Appleton, WI

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.