Cheap Wisconsin Car Insurance

Compare the best rates from 20 car insurance companies in Wisconsin.

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

It's cheap to get car insurance in Wisconsin!

Whoa! Wisconsin is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Wisconsin might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Wisconsin?
Rank Company Premium
1 USAA $592
2 Partners Mutual $620
3 Erie $710
4 Rockford Mutual $739
5 Pekin Insurance $760
6 Nationwide $760
7 Rural Mutual Insurance $764
8 Integrity Mutual $778
9 Western National $785
10 Travelers $812
11 West Bend Mutual $908
12 State Farm $914
13 The Hartford $931
14 General Casualty $945
15 Auto Club Group $958
16 Auto-Owners $1,137
17 Progressive $1,141
18 American Family $1,148
19 Farmers $1,153
20 GEICO $1,214
21 State Auto $1,260
22 SECURA $1,287
23 Sentry $1,546
24 MetLife $1,557
25 Acuity $1,682
26 Encompass $1,751
27 Allstate $1,815
28 Safeco $1,890
29 Allied $2,077
30 Liberty Mutual $2,199

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

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.

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 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 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%
Car Insurance Laws

State minimum insurance requirements in Wisconsin

In Wisconsin, the state minimum coverage requirements are as follows:
Uninsured Motorist
Optional coverage in Wisconsin (varies by carrier):

Liability coverage is legally required in Wisconsin and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Wisconsin, the minimum is listed as 25/50/10 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in Wisconsin and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Wisconsin, the minimum is listed as 25/50 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

These numbers reflect the minimum limits required in Wisconsin but higher coverage amounts are available with most companies.

Top Wisconsin Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Wisconsin.

Car Insurance FAQs

Are digital insurance cards accepted in Wisconsin?


What does this mean for you?

If you happen to find yourself pulled over by a police officer in Wisconsin you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Wisconsin?

Uninsured Drivers in Wisconsin




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 $1,382
2 Wauwatosa $1,332
3 West Allis $1,222
4 Kenosha $1,206
5 Racine $1,205
6 Greenfield $1,180
7 Oak Creek $1,178
8 Beloit $1,141
9 Franklin $1,140
10 Eau Claire $1,070
11 Wausau $1,058
12 Brookfield $1,056
13 Madison $1,051
14 Menomonee Falls $1,047
15 Waukesha $1,044
16 La Crosse $1,043
17 New Berlin $1,039
18 Janesville $1,032
19 West Bend $997
20 Manitowoc $977
21 Fond du Lac $975
22 Oshkosh $970
23 Green Bay $950
24 Appleton $945
25 Sheboygan $944

Recent Wisconsin Car Insurance Questions and Answers

My ins co gave me an accident free discount when I’ve had an accident

Jan 26, 2018

I had an accident a little over 3 years ago. I got a quote that gives me a 5 year ...

If my son was involved in an accident while driving my car, do I file a claim with his insurance company or mine?

Sep 29, 2017

In a 2-lane roundabout, they hit going through the roundabout traveling in the same direction. Police came, no one was ...

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

Aug 25, 2017

And if they can, why are medical payments coverage limits not as high as bodily injury liability limits? Why even ...

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

May 23, 2017
I will be purchasing my mother’s 2006 Ford Taurus SE. The mileage is only 39,000 and the car is in


Driving Laws

Wisconsin Texting and Driving Laws

  1. Ban on all cell phones for drivers with Learner or Intermediate Licenses
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Wisconsin
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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.


So, Wisconsin 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.

Please Note:

  • 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.

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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.