Cheap Wisconsin car insurance

Compare the best rates from 10 car insurance companies in Wisconsin.

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

Across the Badger State, there are 237,124 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap car insurance in Wisconsin

What's the cheapest car insurance in Wisconsin?
RankCompany NameAvg. Annual Premium
1Travelers$812
2Partners Mutual$872
3USAA$874
4SECURA Insurance$902
5West Bend Mutual$920
6State Farm$982
7Integrity Mutual$1,023
8Rockford Mutual$1,074
9Nationwide$1,108
10Pekin Insurance$1,132
11Auto-Owners$1,137
12Progressive$1,202
13General Casualty$1,211
14Western National$1,232
15Auto Club Group$1,350
16GEICO$1,361
17Acuity$1,409
18American Family$1,441
19Encompass$1,827
20Safeco$1,890
21Sentry$1,966
22State Auto$2,071
23Farmers$2,185
24Metropolitan$2,275
25Allstate$2,302

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Cheap 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$25619.89%
No Accidents$54234.40%
Good Credit$85045.15%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$3,308$6,679
17$3,012$5,108
18$2,963$4,541
19$2,613$2,472

Cheap car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,57434.40%
DUI$1,67038.18%
Speeding Violation$1,28919.89%
Bad Credit$1,88245.15%

What are the best 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 CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
AcuityNot RatedSuperior
Allstate3Superior
American Family4Excellent
Auto-Owners5Superior
Erie5Superior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the best car insurance coverage for Wisconsin drivers?

The minimum allowed insurance in Wisconsin is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

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.

Compare typical rates for liability-only and comprehensive coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Wisconsin$404.77$895.44$1,037.91
National Average$657.66$1,241.26$1,397.94

Wisconsin auto insurance laws and requirements

What are the state minimum insurance requirements in Wisconsin?

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

Additional info on insurance requirements in the state of Wisconsin:

Wisconsin Car Insurance FAQs

Do you need to have car insurance in Wisconsin?

Yes. Carrying an active car insurance policy is required by law in Wisconsin. 

Do you need insurance to register a car in Wisconsin?

Yes. Because car insurance is required by law, you must have insurance on any vehicle you are registering.

Do classic cars require insurance in Wisconsin?

Yes, and a classic car may require a unique car insurance policy. Because classic cars tend to have greater value and be used differently than new vehicles, you should get a classic car-specific insurance policy if you own a vintage vehicle.

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.

RankCityAvg. Annual Premium
1Milwaukee$1,587
2Greenfield$1,258
3Kenosha$1,218
4Oak Creek$1,186
5Franklin$1,164
6Madison$1,149
7Brookfield$1,124
8Menomonee Falls$1,111
9La Crosse$1,101
10New Berlin$1,080
11West Bend$1,075
12Wausau$1,071
13Waukesha$1,065
14Eau Claire$1,060
15Manitowoc$1,055
16Janesville$1,053
17Beloit$1,045
18Fond du Lac$1,016
19Oshkosh$997
20Green Bay$984
21Appleton$982
22Sheboygan$974

Recent Wisconsin Car Insurance Questions and Answers

Will gap insurance pay out if I buy the salvaged vehicle from the insurance company?

Your gap coverage should still cover the $2,000 owed on the loan regardless of what happens after that. I would definitely check directly with your insurance company to make sure there is no stipulation that prevents this if you choose to buy back the salvage title. If you have any questions, feel free to ask.

Am I able to buy insurance now and use it to file a claim for a not-at-fault rental car accident?

Insurance never works retroactively; it goes by the effective date stated on the policy. Any incidents that happened prior to the date of binding will not be covered.

If I've been paying for an SR-22 that I didn't actually need, will the car insurance company pay me back?

Sorry to hear about your situation. Chances are, you can get reimbursed if the SR-22 is deemed to have been unnecessary.

In the past five years, we have had four claims. I recently had an accident in my garage where I hit my own car. Should I file a claim?

Given your claims history, I would pay for the damages to both vehicles out-of-pocket. You are correct that having any more claims added will likely make it very difficult to find coverage — not to mention when you do, it's going to cost even more than your current bills.


How Do Tickets Impact Car 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$1,72561%$655
Refused Breathalyzer/Chemical Test$1,56847%$498
DUI$1,56847%$498
Racing$1,72561%$655
Reckless Driving$1,72561%$655
Driving with a Suspended License$1,75764%$687
At-Fault Accident$1,56446%$494
Driving with an Open Container$1,48639%$417
Operating a Vehicle Without Permission$1,58548%$516
Passing a School Bus$1,40932%$340
Improper Passing$1,39630%$326
Following Too Closely$1,38529%$315
Speeding$1,37529%$305
Failure to Stop at a Red Light$1,38529%$315
Illegal Turn$1,37529%$305
Driving Wrong Way/Wrong Lane$1,35126%$281
Failure to Yield$1,38529%$315
Speeding in a School Zone$1,37929%$309
Driving Too Slowly$1,36928%$300
Distracted Driving$1,30429%$234
Driving with Expired Registration$1,19712%$128
Failure to Show Documents$1,19712%$128
Not-at-Fault Accident$1,18611%$117
Failure to Use Child Safety Restraint$1,1447%$74
Failure to Wear a Seat Belt$1,17410%$105
Driving Without Lights$1,1447%$74

Wisconsin Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Wisconsin area, while also getting an insider view of the Badger State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2020

Notification

Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.