Car Insurance in Wisconsin
- GEICO offers the cheapest liability at $24/mo.
- Travelers has the cheapest full coverage at $92/mo.
Enter your ZIP code to start your search for Wisconsin car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Wisconsin at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- SEO Copywriting Certification — SEO Content Institute
Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…
Credentials
- 9+ years of Experience in the Insurance Industry
Car insurance quotes in Wisconsin
The average car insurance rate in Wisconsin is $912 for a six-month policy — 22% cheaper than the U.S. average.[1]
If you're like the 44% of Wisconsinites believe they’re overpaying for car insurance, we can help.[2] Below we'll outline the cheapest companies for full coverage and liability in Wisconsin as well as the best by customer ratings.
Cheapest liability coverage in WI
- GEICO offers the cheapest liability coverage in Wisconsin at $24/mo.
Cheapest full coverage in WI
- Travelers offers the cheapest full coverage in Wisconsin at $92/mo.
Best customer service in WI
- Erie Insurance scored 688 in J.D. Power's latest study — the highest in Wisconsin.
Cheap liability insurance in Wisconsin
The average cost for liability insurance in Wisconsin is $266 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $24/mo.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Wisconsin, a full coverage insurance policy with a $500 deductible costs $912, considerably more than liability-only car insurance.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $142 | $24 |
| USAA | $192 | $32 |
| State Farm | $195 | $33 |
| Erie | $196 | $33 |
| Progressive | $199 | $33 |
| Travelers | $206 | $34 |
| Auto-Owners | $265 | $44 |
| Auto Club Group | $301 | $50 |
| Encompass | $334 | $56 |
| Nationwide | $352 | $59 |
| Allstate | $387 | $64 |
| American Family | $388 | $65 |
| Farmers | $431 | $72 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 31% of Wisconsin drivers carry only the state-required liability coverage.[2] In Wisconsin, the law mandates minimum liability limits of 25/50/10. Learn more about car insurance requirements in the state of Wisconsin with our helpful guide.
If your vehicle is damaged in an accident, Wisconsin law gives you the right to choose where your vehicle is repaired.[4] While your insurance company may recommend a preferred repair network, it cannot require you to use a particular body shop to settle your claim. This consumer protection allows you to select a repair facility you trust while still working with your insurer throughout the claims process.
Renata Balasco, licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $192 | $796 |
| Travelers | $206 | $549 |
| State Farm | $195 | $709 |
| Sentry | $345 | $1,172 |
| Progressive | $199 | $1,139 |
| Pekin Insurance | $187 | $1,020 |
| Nationwide | $352 | $919 |
| MetLife | $574 | $1,503 |
| GEICO | $142 | $632 |
| Farmers | $431 | $1,268 |
| Erie | $196 | $808 |
| Encompass | $334 | $1,117 |
| Chubb | $334 | $900 |
| Auto-Owners | $265 | $842 |
| Auto Club Group | $301 | $917 |
| American Family | $388 | $1,146 |
| Allstate | $387 | $1,270 |
| Acuity | $233 | $874 |
Source: The Zebra
Cheap full coverage insurance in Wisconsin
In 2026, the average cost of full coverage insurance in Wisconsin is $912 for a six-month policy. While this can vary, our average user profile shows Travelers as the most competitive company for full coverage at $92 per month.
Full coverage is a popular choice here, with 69% of The Zebra’s Wisconsin customers opting for quotes that offer this more comprehensive protection.[2]
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $549 | $92 |
| GEICO | $632 | $105 |
| State Farm | $709 | $118 |
| USAA | $796 | $133 |
| Erie | $808 | $135 |
| Auto Club Group | $917 | $153 |
| Nationwide | $919 | $153 |
| Encompass | $1,117 | $186 |
| Progressive | $1,139 | $190 |
| American Family | $1,146 | $191 |
| Farmers | $1,268 | $211 |
| Allstate | $1,270 | $212 |
Source: The Zebra
Local insights
Drivers near you in Wisconsin weigh in
"For what it’s worth, I just renewed my policy with progressive at the end of July and it went down like $7. That’s with a claim on my motorcycle 3 years ago."
-Reddit user on r/Wisconsin
"I use Acuity. They've been great. I had them with my parents and I've had them on my own for the past 10 years."
-Reddit user on r/Wisconsin
Compare car insurance rates from the best companies in Wisconsin.
What are the best car insurance companies in Wisconsin?
We’ve named Erie Insurance as Wisconsin's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
You've done your research. Let us take it from here
Way to go — this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Wisconsin cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. Premiums can vary significantly between Milwaukee and rural communities because of claim frequency, theft rates, weather exposure and repair costs.
Have a look at the table below to see average car insurance costs in some of Wisconsin's biggest cities.
Source: The Zebra
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Source: The Zebra
Wisconsin auto insurance quotes after an accident or ticket
On average, your premium after an at-fault accident in Wisconsin will increase $442. This will vary considerably amongst companies so be sure to shop around if you've been in an accident.
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| Company | No violations - 6mo | With at-fault accident - 6mo |
|---|---|---|
| Erie | $808 | $1,121 |
| State Farm | $709 | $865 |
| American Family | $1,146 | $1,746 |
| Auto Club Group | $917 | $1,419 |
| Nationwide | $919 | $1,569 |
| Sentry | $1,172 | $1,943 |
| Pekin Insurance | $1,020 | $1,298 |
| Chubb | $900 | $1,308 |
| USAA | $796 | $1,091 |
| Travelers | $549 | $735 |
| Progressive | $1,139 | $1,803 |
| Encompass | $1,117 | $1,731 |
| GEICO | $633 | $1,029 |
| Auto-Owners | $842 | $1,076 |
| Farmers | $1,268 | $1,742 |
| MetLife | $1,503 | $2,307 |
| Acuity | $874 | $1,493 |
| Allstate | $1,270 | $1,799 |
Source: The Zebra
Source: The Zebra
The Zebra's guide to Wisconsin car insurance laws for high-risk drivers
For high-risk drivers in Wisconsin with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Wisconsin's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Wisconsin DUI laws
In Wisconsin, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Wisconsin
If you're convicted of a DUI or DWI violation in Wisconsin, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Wisconsin.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $793 | $132 |
| State Farm | $967 | $161 |
| Erie | $1,348 | $225 |
| GEICO | $1,395 | $233 |
| Progressive | $1,423 | $237 |
| USAA | $1,466 | $244 |
| Allstate | $1,468 | $245 |
| American Family | $1,589 | $265 |
| Auto-Owners | $1,598 | $266 |
| Farmers | $1,676 | $279 |
| Auto Club Group | $1,910 | $318 |
| Nationwide | $2,102 | $350 |
| Encompass | $4,410 | $735 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Wisconsin SR-22 laws
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Wisconsin to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Wisconsin might require some research, but it could pay off in the end.
How to acquire an SR-22 in Wisconsin
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask them to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Wisconsin in minutes!
How have car insurance costs in Wisconsin changed?
Wisconsin's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Wisconsin |
|---|---|
| 2026 | $1,714 |
| 2025 | $1,827 |
| 2024 | $1,388 |
| 2023 | $1,397 |
| 2022 | $1,382 |
| 2021 | $1,202 |
| 2020 | $1,080 |
| 2019 | $1,165 |
| 2018 | $1,113 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Wisconsin car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Wisconsin auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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Wisconsin Lets You Choose Your Own Repair Shop. Direct repair shop choice protection.
Wisconsin Lets You Choose Your Own Repair Shop. Direct repair shop choice protection.
RECENT QUESTIONS ABOUT CAR INSURANCE IN WI
How much will my insurance cover if I have an accident while towing my friends trailer?
My camper stays at a seasonal campground year-round. What type of insurance do I need?
Will gap insurance pay out if I buy the salvaged vehicle from the insurance company?
If my friend gets a ticket while driving my uninsured car, who will it go to?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
