Find affordable auto insurance that works for you in Wisconsin. Compare quotes from over 100 top companies.
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.
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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||$256||19.89%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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.
|Allstate||Above average||Average||Superior||4.3 / 5|
|American Family||Below average||Excellent||Excellent||4.3 / 5|
|GEICO||Average||Average||Superior||4.4 / 5|
|Nationwide||Above average||Poor||Superior||4.3 / 5|
|Progressive||Below average||Below average||Excellent||4.3 / 5|
|State Farm||Above average||Above average||Superior||4.5 / 5|
|Travelers||Below average||Below average||Superior||4.3 / 5|
|USAA||Excellent||Excellent||Superior||4.6 / 5|
In Wisconsin, state minimum coverage requirements include liability coverage and uninsured motorist coverage with limits of:
Optional coverage in Wisconsin (varying by carrier) includes:
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 $500 deductible, expect to pay 156% more than for basic liability-only coverage.
Additional info on insurance requirements in the state of Wisconsin.
If you receive a ticket, your car insurance rates will probably rise. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of average car insurance rates in Wisconsin after a few common citations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$1,725||61%||$655|
|Refused Breathalyzer/Chemical Test||$1,568||47%||$498|
|Driving with a Suspended License||$1,757||64%||$687|
|Driving with an Open Container||$1,486||39%||$417|
|Operating a Vehicle Without Permission||$1,585||48%||$516|
|Passing a School Bus||$1,409||32%||$340|
|Following Too Closely||$1,385||29%||$315|
|Failure to Stop at a Red Light||$1,385||29%||$315|
|Driving Wrong Way/Wrong Lane||$1,351||26%||$281|
|Failure to Yield||$1,385||29%||$315|
|Speeding in a School Zone||$1,379||29%||$309|
|Driving Too Slowly||$1,369||28%||$300|
|Driving with Expired Registration||$1,197||12%||$128|
|Failure to Show Documents||$1,197||12%||$128|
|Failure to Use Child Safety Restraint||$1,144||7%||$74|
|Failure to Wear a Seat Belt||$1,174||10%||$105|
|Driving Without Lights||$1,144||7%||$74|
If you only want minimum liability coverage, rates average $202 for a six-month policy. If you want more coverage, rates increase to $518.
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.
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.