Best Car Insurance in Wisconsin (2026 Picks)

Top Rated Car Insurance Companies in Wisconsin

The top-rated car insurance companies in Wisconsin are:

Best Overall and Best for Seniors: Travelers
Best Cheap for Most Drivers and Those With a Speeding Ticket: GEICO
Best for Drivers With Bad Credit or Low Income: Erie

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Wisconsin's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Wisconsin

Travelers is the best car insurance company in Wisconsin, with a 4.7 out of 5 MoneyGeek score. It excels in affordability and customer service.

Travelers offers competitive rates with full coverage at $59 monthly. Drivers with clean records pay rates that run 12% below state averages.

GEICO leads in affordability with the lowest rates at $55 monthly for full coverage. Erie earns top marks for drivers with low income or credit challenges, combining competitive rates with strong customer service.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.70	$59	4.90	4.60	3.90
Erie Insurance	4.60	$74	4.60	4.80	4.20
Auto Owners	4.60	$73	4.60	5.00	3.40
Geico	4.40	$55	5.00	3.70	3.00
Farm Bureau	4.20	$74	4.50	4.00	2.50

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Wisconsin cost?

How much car insurance do I need in Wisconsin?

Best Overall Insurer in Wisconsin: Travelers

Travelers

Best Overall and Best for Seniors

MoneyGeek Rating

4.7/ 5

4.9/5Affordability

4.6/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$59
Average Monthly Minimum Coverage Cost
$29
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Wisconsin car insurance providers
- Ranks second for affordability with competitive premium rates
- Strong digital platform with mobile claims processing capabilities
- Excellent financial stability backed by major insurance conglomerate
cons
- Limited coverage variety compared to other major providers
- Add-on coverage options may cost more than competitors
Travelers earns MoneyGeek's highest score (4.7 out of 5) among Wisconsin insurers. The company ranks first overall with strong performance across affordability, customer service and coverage options.

Travelers offers competitive rates for both clean-record drivers and those with violations. Wisconsin drivers get comprehensive coverage at rates 12% below the state average, saving about $145 annually.
Travelers' monthly premiums range from $29 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $50 to $70 monthly for full coverage. Young drivers pay $160 to $330 monthly.

These rates run 12% below Wisconsin averages, saving drivers about $145 annually.

The IntelliDrive Plus telematics program can reduce premiums by up to 30% for safe driving habits. Multi-policy bundling saves 5% to 25% on combined coverages. Additional discounts include safe driver rewards and vehicle safety feature discounts.
Customer experience scores 4.6 out of 5, second among Wisconsin insurers. The mobile app receives positive reviews for claims filing, policy management and digital ID card access. Claims processing runs five to seven business days on average.

Customer service runs 24/7 with average wait times under five minutes during business hours. Local adjusters throughout Wisconsin respond quickly to weather-related claims. The company's digital platform streamlines routine insurance tasks.
Coverage options score 3.9 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Wisconsin minimums (25/50/10) to 250/500/100. Deductibles flex from $250 to $2,000.

Travelers' features:
- IntelliDrive Plus Program: Telematics-based discounts for safe driving
- New car replacement: Full cost for vehicles totaled in crashes
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- Gap insurance: Pays difference between car's value and loan balance
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery jumps and lockout services

Best Cheap Company in Wisconsin: GEICO

GEICO

Best Cheap for Most Drivers and Those With a Speeding Ticket

MoneyGeek Rating

4.4/ 5

5/5Affordability

3.7/5Customer Experience

3/5Coverage Points

Average Monthly Full Coverage Cost
$53
Average Monthly Minimum Coverage Cost
$20
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks first in Wisconsin for affordability among major insurers
- Best option for cheap coverage and drivers with speeding tickets
- Strong mobile app with digital claims processing and management tools
- AM Best A++ rating demonstrates excellent financial strength and stability
cons
- Limited local agent network compared to regional Wisconsin competitors
- Fewer coverage customization options than other major insurers
GEICO earns a 4.4 out of 5 MoneyGeek score and leads Wisconsin in affordability with a perfect 5.0 rating. The company offers the lowest rates at $55 monthly for full coverage while maintaining solid customer service ratings.

GEICO's digital-first approach provides fast quotes, streamlined claims processing and efficient policy management. Coverage options stay simpler than competitors, but the straightforward approach keeps costs down for budget-conscious drivers.
GEICO offers Wisconsin's most affordable rates. Adult drivers pay $55 monthly for full coverage. State minimum coverage costs $20 monthly.

Clean-record adults pay $45 to $65 monthly for full coverage. Young drivers pay $120 to $270 monthly.

Multi-policy bundles save up to 10%. Military discounts, good student discounts, federal employee discounts and vehicle safety features provide additional savings. GEICO's mechanical breakdown insurance offers extended coverage for newer vehicles.
Customer experience scores 3.7 out of 5. GEICO operates primarily through digital channels with phone support available 24/7 at 800-861-8380. Claims processing runs seven to 10 business days on average.

The mobile app provides claims filing, photo uploads and policy management. Digital tools reduce wait times for routine transactions. Phone support handles complex claims and policy questions, though automated systems may be less accommodating than traditional agent-based service during complicated situations.
Coverage options score 3.0 out of 5, reflecting GEICO's focus on essential protections rather than extensive add-ons. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Wisconsin minimums (25/50/10) to 250/500/100. Deductibles range from $250 to $2,000.

Coverage options:
- Mechanical breakdown insurance: Extended coverage for newer vehicles beyond manufacturer warranty
- Rental reimbursement: Daily coverage while your car's repaired
- Roadside assistance: 24/7 towing, battery, fuel and lockout service
- Emergency roadside service: Additional assistance programs for breakdowns

Best Insurer for Drivers with Low Income: Erie

Erie

Best for Drivers With Bad Credit or Low Income

MoneyGeek Rating

4.6/ 5

4.6/5Affordability

4.8/5Customer Experience

4.2/5Coverage Points

Average Monthly Full Coverage Cost
$74
Average Monthly Minimum Coverage Cost
$26
Agent Service Score
4.45/5
Most Unique Coverage Add-On
Rate Lock Protection

pros
- Ranks second overall among Wisconsin car insurance providers
- Ranks second in customer experience with personalized service
- Strong coverage options ranking third in the state
- Best for drivers seeking relationship-focused insurance approach
cons
- Limited geographic availability compared to national insurers
- Fewer digital tools and mobile app features
- Claims processing may take longer than competitors
Erie earns a 4.6 out of 5 MoneyGeek score and ranks second overall among Wisconsin insurers. The company excels for drivers with low income or credit challenges, combining competitive rates with a 4.8 customer experience score.

Erie's regional focus provides personalized service through local agents who understand Wisconsin-specific risks. The company offers strong coverage options alongside competitive rates for drivers who typically face premium penalties.
Erie offers competitive rates for Wisconsin drivers facing credit challenges. Adult drivers pay $74 monthly for full coverage. State minimum coverage costs $26 monthly.

Drivers with credit challenges or low income pay specialized rates that remain more competitive than most insurers. Rate Lock protection guarantees your rate won't increase after your first at-fault accident.

Multi-policy bundles save around 10% to 15%. Safe driver discounts and paperless billing provide additional savings. Erie's diminishing deductible drops $50 yearly per claim-free year, up to $500 total reduction.
Customer experience scores 4.8 out of 5, second among Wisconsin insurers. Erie maintains local agents throughout the state who provide personalized service and faster claims resolution during severe weather events. Claims processing runs five to seven business days on average.

The mobile app handles policy management, claims filing with photo uploads and digital insurance card access. Erie's regional focus enables quick response to Wisconsin-specific risks like severe winter weather. Wait times average under three minutes for phone support.
Coverage options score 4.2 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits range from Wisconsin minimums (25/50/10) to 250/500/100.

Erie's features:
- Rate Lock: First accident forgiveness unique among Wisconsin regional carriers
- Diminishing deductible: Drops $50 yearly per claim-free year, up to $500 total
- Emergency expense coverage: Up to $500 for hotels, meals and transportation after covered accidents
- Rental reimbursement: $30 to $50 daily
- Roadside assistance: $18 yearly per vehicle for towing, battery, flat tires and lockouts
- Custom equipment coverage: Up to $10,000 for aftermarket parts and modifications

Best Cheap Car Insurance in Wisconsin by City

When comparing car insurance across Wisconsin, several insurers stand out as some of the best affordable options for drivers statewide. GEICO frequently delivers some of the best rates across many of Wisconsin’s larger cities, while Travelers also ranks competitively in select markets. Pricing tends to be lower in smaller cities such as Oshkosh, while higher premiums are more common in dense urban areas like Milwaukee.

These differences highlight how location continues to influence insurance costs across the state and why comparing providers can lead to meaningful savings.


Appleton	Geico	$17	$44	-44%
Eau Claire	Geico	$19	$51	-38%
Green Bay	Geico	$19	$48	-42%
Janesville	Geico	$19	$49	-41%
Kenosha	Geico	$23	$60	-41%
Madison	Geico	$18	$47	-48%
Milwaukee	Travelers	$39	$77	-38%
Oshkosh	Geico	$16	$43	-46%
Racine	Geico	$23	$60	-42%
Waukesha	Geico	$20	$53	-39%

How to Find the Best Car Insurance in Wisconsin

Finding the best car insurance in Wisconsin requires more than just clicking the first online quote you see. Your ideal coverage balances cost, protection and service quality, and that mix varies for every driver based on driving history, vehicle and budget.

1
Understand Wisconsin's insurance requirements
Before comparing car insurance quotes in Wisconsin, know what the state requires: $25,000 bodily injury coverage per person, $50,000 per accident and $10,000 property damage coverage. Wisconsin also requires uninsured motorist coverage at matching 25/50/10 minimum levels.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old sedan with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 vehicle could cost you thousands in one incident.
2
Research average costs
Full coverage car insurance in Wisconsin costs $800 to $1,200 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $1,800 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; urban areas like Milwaukee and Madison cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find discounts you qualify for
Wisconsin drivers can tap into several car insurance discounts. Bundling multiple policies often saves up to 25%. Good student discounts reward young drivers who maintain B averages.

Usage-based insurance programs track your actual driving habits. Travelers' IntelliDrive Plus can save safe drivers up to 30% annually. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare insurance companies, not just prices
Affordable car insurance means more than finding the lowest premium. A $45 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $60 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. Travelers leads Wisconsin insurers with strong performance across affordability, customer service and coverage. GEICO maintains competitive pricing with efficient digital tools.
5
Compare quotes through multiple means
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Erie and Travelers, for example, work through local agent networks.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review your policy every year
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Wisconsin

State minimums often don't provide enough financial protection for real accident costs. Wisconsin ranks 16th nationally for traffic safety, meaning crashes occur less frequently than in many other states.

An emergency room visit costs about $2,200 on average nationwide. A serious trauma case at a Milwaukee, Madison or Green Bay hospital costs $35,000 to $50,000. Vehicle repairs after moderate collisions usually run over $15,000.

Minimum coverage won't cover you if you cause a multi-vehicle accident on I-94, I-43 or Highway 151. Lawsuits will drain your savings and garnish your wages.

Wisconsin's 10.7 traffic deaths per 100,000 residents sits below the national average, while the state's 14% uninsured driver rate means roughly 400,000 drivers operate without required coverage. These factors make robust liability coverage and uninsured motorist protection valuable for Wisconsin drivers.

MoneyGeek recommends these coverage levels for Wisconsin drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $20 to $30 more monthly than Wisconsin's 25/50/10 minimums and covers most Wisconsin drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $30 to $45 more monthly than minimums but covers your assets if you cause a serious accident. Given Wisconsin's traffic fatality rate, adequate liability limits protect your savings and future earnings.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $25 to $35 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Wisconsin's harsh winters, where icy roads create treacherous driving conditions. Vehicle theft rates in Milwaukee and Madison also make this coverage valuable. Collision protection becomes crucial during heavy traffic periods and tourist seasons when accident rates climb in popular destinations.

Uninsured/Underinsured Motorist: Wisconsin requires this coverage at 25/50/10 minimum levels, but you should match these limits to your liability coverage. With roughly 400,000 uninsured drivers on Wisconsin roads (14% of all motorists), higher protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and vehicle repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Wisconsin's at-fault system, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims work through the system.

Medical payments coverage costs $8 to $18 monthly for $5,000 in protection, which is worth it given Wisconsin's winter driving hazards and deer-related incidents.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $20 to $30 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Wisconsin

Wisconsin's competitive marketplace and consumer-focused regulations keep car insurance rates affordable for most residents. State minimum protection costs just $26 monthly, ranking Wisconsin first nationally for budget-friendly basic coverage.

Full coverage runs $41 more per month than the state minimum. Average premiums hit $67 monthly for full coverage with a $1,000 deductible, 34% below the national average.

Compare your quotes with these averages using the table or our Wisconsin car insurance calculator.

Data filtered by:


Clean	$26	$67	1
Not At Fault Accident ($1000-$1999 Prop Dmg)	$28	$72	2
Texting While Driving	$30	$79	3
Speeding 11-15 MPH over limit	$30	$80	4
At Fault Accident ($1000-$1999 Prop Dmg)	$36	$95	7
DUI - BAC >= .08	$53	$130	10

HOW VIOLATIONS AFFECT YOUR RATES IN WISCONSIN

DUI violations slam Wisconsin drivers with 94% premium increases and mandatory SR-22 filing requirements for three years. At-fault accidents raise rates by 42%, adding $28 monthly to full coverage policies. Texting while driving results in 19% higher premiums, costing drivers an extra $12 per month.

Best Wisconsin Auto Insurance: Bottom Line

Travelers ranks first for most Wisconsin drivers with a 4.7 overall score, balancing competitive rates ($59 monthly full coverage), superior customer service and comprehensive coverage options. Your priorities determine the best choice: GEICO offers the most affordable rates at $55 monthly for drivers with clean records, and Erie excels for drivers with low income or credit challenges through personalized service and competitive specialized rates.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Wisconsin: FAQ

Finding the right auto coverage depends on your unique situation. Common insurance questions and their answers guide you toward appropriate protection.

What do I need to get car insurance in Wisconsin as a new resident?

New Wisconsin residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Wisconsin's minimum requirements of 25/50/10, which include liability and uninsured motorist coverage.

Can I drive in Wisconsin with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Wisconsin insurance within 30 days.

Your out-of-state policy must meet Wisconsin's minimum requirements of 25/50/10, including uninsured motorist coverage. Military members stationed in Wisconsin can keep their home-state insurance but should verify that their policy meets state standards.

What happens if I get caught driving without insurance in Wisconsin?

Driving without insurance results in immediate license suspension and civil penalties up to $500 for first-time offenders. Subsequent violations within three years escalate to $500 fines and misdemeanor charges. You'll need SR-22 certification for several years, substantially increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Wisconsin?

Purchase your new policy before canceling coverage to avoid gaps that trigger higher rates. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Wisconsin insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Wisconsin offer car insurance discounts for military members?

Most Wisconsin insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

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%): We looked at quotes for different driver profiles and compared rates within Wisconsin. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): 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%): 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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