Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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

The average car insurance rate in Wisconsin is $1,202 per year — 21% less than the U.S. average. 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 in an effort to help you find an affordable policy.

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.

The best car insurance companies in Wisconsin

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Wisconsin.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 895 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the North Central region.

2nd place medal
Erie Insurance

As a highly-rated regional carrier, Erie Insurance scored an 857 on J.D. Power's 2021 auto study.

3rd place medal
State Farm

State Farm placed third in this region with a score of 851 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.4 stars out of 5 in The Zebra's Customer Satisfaction Survey. 

Key takeaways
  • Wisconsin drivers pay about 21% less for car insurance on average
  • The cheapest major car insurance company is USAA

The cheapest car insurance companies in Wisconsin

These companies offer the cheapest rates in the following scenarios.

USAA logo
Cheapest full coverage insurance: USAA

The cheapest rates are from USAA at $887 annually, or $74 per month.

GEICO logo
Cheapest for minimum liability: GEICO

If you're a Wisconsin driver with bad credit, GEICO is the cheapest on average. 

state farm logo
Cheapest for DUI: State Farm

If you have a DUI on your record, check out State Farm for the cheapest average rates.

Company Avg. Annual Premium
USAA $887
State Farm $969
GEICO $1,036
American Family $1,189
Progressive $1,674
Allstate $2,136
Updated: 12/06/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Wisconsin auto insurance laws

Car insurance is mandatory in almost every state, including Wisconsin. If you choose the legal minimum coverage level in Wisconsin, expect to pay an average of $381 annually. This expenditure is less expensive than the nationwide average by 29%. 

If you choose the legal minimum coverage level in Wisconsin, expect to pay an average of $381 annually.

State minimum coverage

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 (varies by carrier):

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

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 comprehensive insurance policy with a $1,000 deductible costs $1,020, 168% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 219% more than you would for basic coverage.

In Wisconsin a comprehensive insurance policy with a $1,000 deductible costs $1,020, 168% more than liability-only car insurance.

The Zebra's guide to Wisconsin car insurance laws


Learn more about car insurance requirements in the state of Wisconsin with our helpful guide.


Compare car insurance rates from the best companies in Wisconsin.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Wisconsin car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Wisconsin.

 

Cheap auto insurance in Wisconsin for minimum coverage

It's never advisable to simply carry the lowest amount of insurance required by the state of Wisconsin. This can leave you and your vehicle at risk. While the table below offers the average rates for minimum coverage, use it as a starting point for increasing coverage limits or adding different types of coverage.

Company Avg. Annual Premium
USAA $240
GEICO $249
State Farm $282
Progressive $427
American Family $521
Allstate $546
Updated: 12/06/22.

Cheap auto insurance in Wisconsin with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Wisconsin drivers with poor credit pay $1,632 more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
GEICO $1,425
USAA $1,624
American Family $2,013
Progressive $2,836
Allstate $3,124
State Farm $5,222
Updated: 12/06/22.

Cheap auto insurance in Wisconsin with an at-fault accident

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 $1,809 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
State Farm $1,190
USAA $1,222
American Family $1,551
GEICO $1,559
Progressive $2,693
Allstate $3,028
Updated: 12/06/22.

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 to 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, teen drivers pay especially high rates: $4,631 per year — 285% more than a typical Wisconsin driver.

Company Avg. Annual Premium
USAA $2,591
American Family $2,890
GEICO $3,083
State Farm $3,335
Allstate $6,278
Progressive $7,299
Updated: 12/06/22.

Wisconsin auto insurance rate by violation

In Wisconsin, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, 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. Car insurance premiums typically increase by 78% after a DUI and up to as high as 40% after a speeding ticket.

See below average auto insurance rates in Wisconsin after a few common citations.

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,382 0% $0
One Med/PIP claim $1,390 1% $8
Not-at-fault accident $1,465 6% $84
Two Med/PIP claims $1,496 8% $114
One comp claim $1,508 9% $127
Failure to wear a seat belt $1,522 10% $140
Driving without lights $1,564 13% $183
Failure to show documents $1,566 13% $184
Driving with expired registration $1,587 15% $205
Child safety restraint $1,588 15% $207
At-fault accident - less than $1000 $1,620 17% $238
Speeding 6 - 10 MPH over limit $1,629 18% $247
Two comp claims $1,632 18% $251
Failure to yield $1,637 19% $256
Cell phone violation $1,638 19% $257
Illegal turn $1,641 19% $259
Speeding in school zone $1,642 19% $261
Driving too slowly $1,642 19% $261
Wrong way/wrong lane $1,644 19% $263
Following too closely $1,658 20% $276
Failure to stop at a red light $1,658 20% $277
Texting while driving $1,661 20% $280
Speeding 11 - 15 MPH over limit $1,665 20% $283
Speeding 16 - 20 MPH over limit $1,671 21% $290
Improper passing $1,689 22% $308
Passing school bus $1,716 24% $335
Speeding 21 - 25 MPH over limit $1,844 33% $463
At-fault accident - $1000-$2000 $1,897 37% $515
Operating a vehicle without permission $1,911 38% $529
At-fault accident - greater than $2000 $1,913 38% $531
In 65 MPH zone $1,929 40% $547
Open container $2,050 48% $668
Refusal to submit to a chemical test $2,429 76% $1,047
Reckless driving $2,456 78% $1,075
DUI $2,459 78% $1,077
Driving with a suspended license $2,491 80% $1,109
Leaving scene of an accident/hit and run $2,518 82% $1,136
Racing $2,526 83% $1,144
Updated: 12/06/22.

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.

Company Avg. Annual Premium
State Farm $1,345
American Family $1,528
USAA $1,620
Progressive $1,945
GEICO $2,203
Allstate $2,431
Updated: 12/06/22.

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.

 

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.

 

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!

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Rates by city

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.

City Avg. Annual Premium
Green Bay $1,133
Madison $1,237
Kenosha $1,392
Racine $1,395
Milwaukee $1,826
Updated: 12/06/22.

Car insurance price trends in Wisconsin

In Wisconsin, average annual auto insurance costs increased by $122 in the past year. A typical Wisconsin driver pays an average of $1,202 per year.

The recent pricing trend in Wisconsin leans toward pricier car insurance costs and remains lower than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

WISCONSIN CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Wisconsin Yearly Change — Wisconsin Avg. Annual Premium — US Yearly Change — US
2021 $1,202 $122 $1,529 $46
2020 $1,080 -$85 $1,483 -$61
2019 $1,165 $52 $1,544 $23
2018 $1,113 -$683 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Wisconsin car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Wisconsin auto insurance.

Who has the cheapest car insurance in Wisconsin? Chevron down icon

Our user profile shows USAA offers the cheapest full coverage rates in Wisconsin. USAA costs $443 for a six-month policy.

How much is car insurance in Wisconsin a month? Chevron down icon

If you only want minimum liability coverage, rates average $190 for a six-month policy. If you want more coverage, rates increase to $510.

Can you drive without car insurance in Wisconsin? Chevron down icon

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.

Save money on your next car insurance policy!

or
Location pin icon
No junk mail. No spam calls. Free quotes.
RECENT QUESTIONS

It is illegal to pay for someone else's car insurance

While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level.
Jun 24, 2018 Pinellas, FL

Can I insure a car in one state but live another?

Because car insurance is regulated at the state level, you have to have insurance specific for the state you are residing in the majority of the time. You can buy a vehicle in another state but it will need to be registered and insured for your state.
Aug 26, 2018 Olympia, WA

If my laptop was stolen from my car, how do I get it replaced?

Your personal items should be covered by your renters insurance policy; even inside your vehicle. Keep in mind that your renters deductible will be subtracted from the amount you receive for your computer.
Feb 23, 2017 Wichita, KS

Can I get car insurance without a home address?

Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address.
May 29, 2016 Portland, OR

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.