Car Insurance in Wisconsin
- USAA offers the cheapest full coverage auto insurance in WI
- Compare the cheapest car insurance quotes in WI from Progressive, Allstate and American Family (+ other top companies)
Car insurance quotes in Wisconsin
The average car insurance rate in Wisconsin is $854 for a six-month policy — 22% cheaper than the U.S. average.[1] Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Wisconsin car insurance rates for these rating factors to help you find an affordable policy.
Our research indicates that 38% of Wisconsin drivers believe their car insurance costs are too high, but a significant number prioritize strong customer service and flexible coverage over just low rates.[2] For these drivers, it’s worth considering local favorites like American Family or larger, service-oriented companies like State Farm. While it’s a good place to start, don’t limit your search there — explore all your options to find the best fit for your needs.
Read on to learn how much auto insurance costs in Wisconsin based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
- GEICOÂ offers Wisconsin drivers the cheapest liability-only coverage, starting at just $25 per month.*
- The Zebra recommends that you always carry more than the minimum liability coverage.
- Read about the rest of the top companies for liability coverage in Wisconsin ↓
- As with liability-only, GEICO also has the cheapest monthly rates for full coverage.* Good full coverage rates are also available from American Family and Erie.
- See the other cheapest full coverage insurance companies and best discounts in Wisconsin ↓
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- As a highly-rated regional carrier, Erie scored an 844 on J.D. Power's 2024 auto study.[3]Â For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Wisconsin ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Wisconsin to name Erie Insurance as the best overall company for Wisconsin drivers.Â
- Read more about why we've ranked American Family as a great fit for many Wisconsin ↓
*Note: USAA offers the cheapest rates in Wisconsin, but it's excluded from our list due to strict eligibility. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.
Cheap liability insurance in Wisconsin
The average cost for a 6-month liability insurance policy in Wisconsin is $252. Based on our user data, GEICO, Erie and American Family tend to offer some of the most affordable liability options in the state.
Keep in mind, these quotes are much lower than full coverage since the level of coverage you choose directly impacts your premium. Below is a breakdown of monthly and 6-month liability insurance quotes from Wisconsin’s top insurers.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $145 | $24 |
| GEICO | $147 | $25 |
| Erie | $164 | $27 |
| Progressive | $206 | $34 |
| American Family | $261 | $44 |
| State Farm | $272 | $45 |
| Farmers | $354 | $59 |
| Allstate | $377 | $63 |
Source: The Zebra
According to our data, 35% of Wisconsin drivers opt for liability-only coverage. Wisconsin law requires minimum liability limits of 25/50/10, meaning $25,000 per person and $50,000 per accident for bodily injury, along with $10,000 for property damage per accident. For a deeper dive into Wisconsin’s car insurance requirements and regulations, check out our full guide.
While 35% of Wisconsinites choose liability-only coverage, we at The Zebra recommend against relying on this minimal protection. Wisconsin’s liability-only insurance limits — $10,000 for property damage and $25,000 per person for bodily injury — may leave you financially exposed in the event of a serious accident. To ensure better protection, we suggest increasing your coverage to at least 50/100/50.
Ross Martin - Insurance writer and content manager at The Zebra
Updating data...
| Company | Liability Coverage | Full Coverage |
|---|---|---|
| USAA | $145 | $528 |
| GEICO | $147 | $613 |
| American Family | $261 | $626 |
| Erie | $164 | $702 |
| State Farm | $272 | $1,002 |
| Farmers | $354 | $1,059 |
| Progressive | $206 | $1,077 |
| Allstate | $377 | $1,244 |
Source: The Zebra
Compare car insurance rates from the best companies in Wisconsin.
Cheap full coverage insurance in Wisconsin
In 2024, full coverage insurance in Wisconsin averages $854 for a 6-month policy. A popular choice among drivers, 65% of The Zebra’s Wisconsin customers seek quotes for full coverage insurance.
While it costs more than liability-only policies, drivers searching for affordable full coverage in Wisconsin should consider starting with GEICO and American Family, both known for offering competitive rates in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $528 | $88 |
| GEICO | $613 | $102 |
| American Family | $626 | $104 |
| Erie | $702 | $117 |
| State Farm | $1,002 | $167 |
| Farmers | $1,059 | $176 |
| Progressive | $1,077 | $180 |
| Allstate | $1,244 | $207 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool 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.
What are the best car insurance companies in Wisconsin?
We’ve named Erie the best car insurance company in Wisconsin, based on consumer reviews, third-party ratings (like J.D. Power, Trustpilot, and AM Best), as well as factors like available discounts and coverage options.
Below are the pros and cons of Erie Insurance, along with other top-rated insurance companies in Wisconsin.
Erie Insurance is highly regarded for its customer satisfaction and claims process. It tops J.D. Power’s 2024 Auto Insurance Customer Satisfaction Study.[3] Customers report positive experiences with claims, noting that the process is generally smooth and efficient. Additionally, Erie has fewer complaints than the average insurer, which indicates solid service and reliability.
Its strong financial stability also ensures it can consistently pay out claims without issue​.[4]
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Great customer satisfaction scores
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Low complaint rate
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Robust coverage options
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The Erie Insurance Rate Lock program limits rate increases
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Not available in all states
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Not always cheapest in certain scenarios
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Dependency on in-person agents
Best car insurance in Wisconsin — honorable mentions
To identify the top insurers in Wisconsin, we reviewed J.D. Power Auto Insurance ratings and gathered consumer reviews from nearly 3,000 drivers across Wisconsin and the U.S. This data helped us evaluate which companies stand out in terms of customer satisfaction, claims handling, and overall value. Companies like American Family, Progressive, and State Farm consistently rank highly in Wisconsin due to their solid reputations for customer service and comprehensive coverage options
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $528 | $88 |
| GEICO | $613 | $102 |
| Erie | $702 | $117 |
| State Farm | $1,002 | $167 |
Source: The Zebra
How did we pick what company has the "Best Value" in Wisconsin?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Wisconsin
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Find the best coverage and price in Wisconsin with The Zebra.
How have car insurance costs in Wisconsin changed?
Auto insurance rates in Wisconsin have seen a bit of a rollercoaster ride in recent years. After spiking by $180 in 2022, premiums in the state have leveled off with a slight decrease of $9 expected for 2024, bringing the average annual premium to $1,388. This follows a milder increase of $15 in 2023 and a significant jump of $122 back in 2021, reflecting broader market trends. The changes, while fluctuating, have moderated recently, making it a little easier on drivers' wallets compared to the larger swings in previous years.
| Year | Avg. Annual Premium — Wisconsin | Yearly Change — Wisconsin |
|---|---|---|
| 2024 | $1,388 | -$9 |
| 2023 | $1,397 | $15 |
| 2022 | $1,382 | $180 |
| 2021 | $1,202 | $122 |
| 2020 | $1,080 | -$85 |
| 2019 | $1,165 | $52 |
| 2018 | $1,113 | -$683 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are climbing higher than the state average, it might be time to shop around. The Zebra’s comparison tool provides personalized quotes tailored to your profile. Just enter your ZIP code below to get a better deal in minutes!
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. The cheapest car insurance is found in Ashwaubenon, Wisconsin, and the most expensive in Milwaukee, Wisconsin.
Have a look at the table below to see average car insurance costs in some of Wisconsin's biggest cities.
Cheap auto insurance for teens and young drivers in Wisconsin
Young drivers between 16 and 25 face steep car insurance rates, with teens aged 16 to 19 seeing the highest premiums of all. Due to their inexperience, teen drivers can pay over three times the national average for coverage. In Wisconsin, this group gets hit especially hard, shelling out an average of $4,631 per year — a whopping 285% more than the typical driver in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $1,520 | $253 |
| USAA | $1,550 | $258 |
| Erie | $1,733 | $289 |
| GEICO | $1,838 | $306 |
| State Farm | $3,419 | $570 |
| Farmers | $3,867 | $645 |
| Allstate | $3,962 | $660 |
| Progressive | $4,575 | $763 |
Source: The Zebra
Zebra tip: 3 smart ways for young drivers to lower car insurance costs
- Take an approved defensive driving course — it can snag you discounts and help lower your accident risk.
- Opt for a budget-friendly car with solid safety ratings and affordable repairs, instead of a flashy vehicle.
- Stick with your parent’s policy to score savings and take advantage of their strong insurance history.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $1,924 | $321 |
| Erie | $2,149 | $358 |
| GEICO | $2,253 | $376 |
| USAA | $2,341 | $390 |
| State Farm | $4,533 | $755 |
| Farmers | $5,495 | $916 |
| Progressive | $5,939 | $990 |
| Allstate | $6,391 | $1,065 |
Source: The Zebra
Find an affordable policy in Wisconsin in minutes!
Wisconsin auto insurance quotes after an accident or ticket
Along with many other factors, your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to as much as $2,488 per year.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $730 | $122 |
| American Family | $884 | $147 |
| Erie | $919 | $153 |
| GEICO | $984 | $164 |
| State Farm | $1,228 | $205 |
| Farmers | $1,454 | $242 |
| Allstate | $1,761 | $293 |
| Progressive | $1,820 | $303 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
While we all hope to avoid using our insurance, a hassle-free claims process is key if you need it. In our 2024 Customer Satisfaction Survey, Erie Insurance stood out as a top pick for Wisconsin drivers, delivering strong claims satisfaction.[3],[4] If you’re shopping for coverage in Wisconsin, Erie is definitely worth a look.
In Wisconsin, a bad driving record can send your insurance rates soaring. A ticket or citation will likely raise your premiums, but how much depends on the type of violation, your insurer’s pricing, and state-specific factors. For example, a DUI can push your rates up by as much as 78%, while a speeding ticket could result in a 40% increase. Insurance penalties vary, so the impact of a violation in Wisconsin might differ from the national average. Check out typical rate hikes after common citations in the state below.
Source: The Zebra
The Zebra's guide to Wisconsin car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can have serious consequences that go beyond just rate increases. To navigate these tricky situations, we’ve put together detailed guides on Wisconsin’s car insurance laws and regulations.
Check out our helpful guide to better understand Wisconsin’s insurance requirements and stay on the right track.
Wisconsin DUI laws
In Wisconsin, a DUI offense can increase your annual car insurance premium by an average of $1,077. That’s 14% more than the national average rate hike after a DUI. 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. For example, the least expensive car insurance company with a DUI in Wisconsin, State Farm is 45% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Wisconsin is American Family, while the priciest firm is Allstate.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $807 | $134 |
| USAA | $969 | $162 |
| Erie | $1,061 | $177 |
| Progressive | $1,314 | $219 |
| GEICO | $1,322 | $220 |
| State Farm | $1,376 | $229 |
| Farmers | $1,399 | $233 |
| Allstate | $1,436 | $239 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Wisconsin SR-22 insurance
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.
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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 the company 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.
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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.
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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.
Wisconsin car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Wisconsin auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. 2024 U.S. Auto Insurance Study
2024 Customer Satisfaction Survey. The Zebra
RECENT QUESTIONS ABOUT CAR INSURANCE IN WI
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Learn more about car insurance in Wisconsin:
- Car Insurance with a DUI in Wisconsin
- Average Cost of Auto Insurance in Wisconsin
- Green Bay, WI Car Insurance
- Insurance for High-Risk Drivers in Wisconsin
- Temporary Car Insurance in Wisconsin
- Kenosha, WI Car Insurance
- Car Insurance in Madison, WI
- Car Insurance in Milwaukee, WI
- Wisconsin Car Insurance Laws
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.