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?
Rank Company Name Avg. Annual Premium
1 Travelers $812
2 Partners Mutual $872
3 USAA $874
4 West Bend Mutual $920
5 State Farm $982
6 Nationwide $1,108
7 Progressive $1,202
8 Acuity $1,409
9 American Family $1,441
10 Allstate $2,302

Ready to see more rates? Compare personalized quotes today to find the best cheap coverage in Wisconsin.

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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 $256 19.89%
No Accidents $542 34.40%
Good Credit $850 45.15%


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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,574 34.40%
DUI $1,670 38.18%
Speeding Violation $1,289 19.89%
Bad Credit $1,882 45.15%

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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)

Acuity N/A N/A Superior N/A
Allstate Average Average Superior 4.3 / 5
American Family Above average Excellent Excellent 4.3 / 5
Auto-Owners N/A Above average Superior N/A
GEICO Average Average Superior 4.4 / 5
Nationwide 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 Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.


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
DUI $1,568 47% $498
Racing $1,725 61% $655
Reckless Driving $1,725 61% $655
Driving with a Suspended License $1,757 64% $687
At-Fault Accident $1,564 46% $494
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
Improper Passing $1,396 30% $326
Following Too Closely $1,385 29% $315
Speeding $1,375 29% $305
Failure to Stop at a Red Light $1,385 29% $315
Illegal Turn $1,375 29% $305
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
Distracted Driving $1,304 29% $234
Driving with Expired Registration $1,197 12% $128
Failure to Show Documents $1,197 12% $128
Not-at-Fault Accident $1,186 11% $117
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


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.

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


Recent Questions:

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 12, 2018 Appleton, WI

What happens if someone makes a false car insurance claim against me?

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible.
Sep 25, 2019 Madison, WI

Should I keep full coverage on my vehicle or switch to liability?

The first thing I would do would be to determine a rough estimate of the value of the vehicle. I recommend using NADA guides or some other valuation service like Kelly Blue Book.
May 22, 2017 Milwaukee, WI

If I am at fault in an accident, what is to keep my passengers from suing me for their injuries?

It's important to keep in mind that medical payments coverage pays for your injuries as well. In addition, what if your passengers are your children or family members?
Aug 24, 2017 Milwaukee, WI

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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 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.