Travelers ranks as Wisconsin's best car insurance company, earning a MoneyGeek score of 4.63 out of 5 for its strong customer service and competitive rates. Since insurance needs vary by driver, we also recommend Auto-Owners, Erie, GEICO and Farm Bureau.
Best Car Insurance in Wisconsin
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Wisconsin is Travelers, ranking first in the state for its strong balance of affordability and coverage options.
Erie offers the best rates for drivers with bad credit in Wisconsin, while Auto-Owners provides superior coverage for drivers with an accident history.
To find affordable coverage in Wisconsin, decide on your coverage needs first, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Wisconsin
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Wisconsin by Driver Profile
Erie and Travelers each lead in four out of ten driver categories in Wisconsin, making them the state's dominant insurers. Erie offers the lowest rates for young drivers and high-risk categories, while Travelers excels for adult drivers and newer vehicles.
| Young Drivers | Erie | 1 | 2 | 3 |
| Adult Drivers | Travelers | 2 | 3 | 5 |
| Senior Drivers | Travelers | 1 | 3 | 5 |
| Drivers With an Accident | Auto-Owners | 2 | 1 | 6 |
| Drivers With a DUI | Travelers | 1 | 3 | 5 |
| Drivers With a Speeding Ticket | Erie | 2 | 2 | 3 |
| Drivers With Bad Credit | Erie | 3 | 2 | 3 |
| Drivers With Low Income | Erie | 2 | 2 | 3 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 2 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Wisconsin Car Insurance Recommendations
Your insurance needs are unique. Compare rates from our top five Wisconsin providers to find coverage that fits your personal situation and budget.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.57 | $226 | 1 | 6 |
| Erie | 4.46 | $254 | 2 | 3 |
| Travelers | 4.35 | $259 | 3 | 5 |
| West Bend Mutual | 4.34 | $163 | 10 | 7 |
| Farm Bureau | 4.13 | $240 | 5 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Wisconsin Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Travelers
Best Customer Experience in Wisconsin
MoneyGeek Rating
4.6/ of 5
4.8/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$58For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$29For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Erie
Second Best Overall in Wisconsin
MoneyGeek Rating
4.6/ of 5
4.6/5Affordability
4.8/5Customer Experience
4.2/5Coverage Options
Average Monthly Full Coverage Cost
$74For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$26For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.45/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Rate Lock Protection
How to Find the Best Car Insurance in Wisconsin
Finding the right car insurance in Wisconsin doesn't have to be complicated. Our guide helps you compare options and choose coverage that fits your needs.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when selecting auto insurance that meets Wisconsin required minimums.
- 2
Research average costs and discounts you may qualify for
Find average car insurance costs in Wisconsin. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can provide more savings.
- 3
Look through provider customer experiences and coverage options thoroughly
Review company coverage options and add-ons, and look at customer reviews.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance and pay-per-mile policies that might better suit your needs. If you require an SR-22 in Wisconsin, research providers specializing in high-risk coverage.
- 5
Compare plenty of quotes through multiple means
Getting multiple quotes helps you find the cheapest option possible.
- 6
Reassess annually
Review your coverage each year and shop for new quotes to find the best deal.
Best Wisconsin Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Based on our analysis, Travelers is the top-rated company overall, while Erie and Auto-Owners are also good options for drivers in Wisconsin.
Best Auto Insurance in Wisconsin: FAQ
Finding the right car insurance depends on your unique needs, so we've gathered expert answers to common questions to guide your policy choice.
What is the best car insurance company in Wisconsin?
Travelers ranks as the best car insurance company in Wisconsin overall, with a MoneyGeek score of 4.63 out of 5 and an average monthly premium of $58 for full coverage.
What is the best car insurance company for minimum coverage in Wisconsin?
GEICO leads for minimum coverage in Wisconsin with an average rate of $243 per year.
What is the best car insurance in Wisconsin for young drivers?
Erie ranks as Wisconsin's top choice for young adults, combining affordable rates at $103 per month with strong customer service and coverage options.
What is the best car insurance for Wisconsin drivers who value customer service?
Auto-Owners ranks highest for customer experience in Wisconsin with a score of 5 out of 5. The company excels in their purchase experience, agent interactions, digital tools and claims handling process.
What is the best car insurance in Wisconsin if you have driving offenses?
Erie is best for Wisconsin drivers with a speeding ticket, offering monthly rates of $29 for minimum coverage and $82 for full coverage policies.
How We Rated the Best Car Insurance in Wisconsin
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Wisconsin. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Wisconsin. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Wisconsin-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.