Cheapest Car Insurance in Wisconsin

Wisconsin drivers have low car insurance rates versus the rest of the country, but you can still find much cheaper rates by shopping multiple insurers. Compare the cheapest monthly rates by company in Wisconsin below based on your age and driving history to find your lowest rate:

Cheapest by coverage type

• Full coverage: GEICO, $54
• Minimum coverage: GEICO, $21

Cheapest by driver age

• Teen drivers (16) minimum coverage: Erie Insurance, $83
• Teen drivers (16) full coverage: Erie Insurance, $249
• Young drivers (25) minimum coverage: GEICO, $21
• Young drivers (25) full coverage: GEICO, $56
• Seniors (65+) minimum coverage: Farm Bureau, $31
• Seniors (65+) full coverage: Travelers, $80

Cheapest by driving record and credit score

• Clean record: GEICO, $27
• Speeding ticket: GEICO, $27
• At-fault accident: GEICO, $32
• DUI: Travelers, $42
• Bad credit: West Bend Mutual, $59

Cheapest rates analysis refreshed on November 15, 2025

Minimum liability-only coverage is the least expensive coverage you can buy. GEICO offers Wisconsin's most affordable minimum coverage at $21 monthly ($247 yearly), beating state averages by 20%. Farm Bureau is the next cheapest option at $24 monthly ($286 yearly), and Erie is at $26 monthly ($307 yearly). See our guide to the cheapest minimum liability-only coverage car insurance options.

Wisconsin requires $25,000 in bodily injury liability per person, $50,000 per accident and $25,000 in property damage (25/50/25). The state also requires $25,000 in uninsured motorist coverage, making it one of the few states requiring this protection, but giving drivers protection against 15% uninsured motorists in the state.

See our guide to how much car insurance you need.

For the most affordable full coverage, GEICO is the lowest priced at $54 monthly ($648 yearly), or 19% below state averages. Travelers is next cheapest at $57 monthly ($677 yearly), 15% lower than the Wisconsin state average cost for this coverage.

Should Wisconsin drivers choose the least expensive minimum liability coverage or full coverage? Full coverage expands your liability policy by adding comprehensive and collision protection. Collision handles repair costs when you cause an accident, while comprehensive covers damage from storms, floods and vehicle theft. Given the weather risks in the state and accident and theft risks in more urban areas in Wisconsin, most drivers should buy full coverage unless they drive a low value car.

Auto insurance prices in Wisconsin vary widely by location. The cheapest minimum monthly coverage is $16 in Oshkosh and $39 in Milwaukee.  The lowest cost full coverage is $43 in Oshkosh and $77 in Milwaukee. GEICO has the most affordable rates across most of the state’s major cities, but Travelers is cheapest in Milwaukee.  Choosing the cheapest provider in Wisconsin will save you up to 44% depending on your city.

For 16-year-olds in Wisconsin, Erie Insurance offers the cheapest minimum coverage at $83 monthly and full coverage at $249 monthly. Older teens will save with Travelers. By age 25, rates drop a lot, with GEICO providing the cheapest coverage at $21 monthly for minimum and $56 monthly for full coverage. If you are young and driving a very low-value car, you can opt for liability-only coverage to save $166 per month.  

You can lower your rate further by keeping this driver on your family policy and asking for a good student discount if your driver as a B or better GPA.

Farm Bureau has the cheapest minimum coverage for seniors across all ages, ranging from $28 to $32 monthly. Full coverage varies by age, with Travelers cheapest at ages 65 and 70 ($80 and $62 monthly), while GEICO has better rates at age 90 ($96 monthly).  

Many insurers offer additional discounts for senior drivers and those who've completed a defensive driving course.  Also, if you are driving less, make sure to lower your mileage estimate to save 25% to 30% on Wisconsin rates.

Finding the right coverage after violations in Wisconsin requires getting multiple quotes to see how each insurer weighs your specific violation type. GEICO and Travelers often have the best rates for high-risk drivers.  See the rates by violation or credit score below to get the lowest premium.

• DUI: Travelers ($42 monthly for minimum coverage), GEICO ($48 monthly for minimum coverage)
• Speeding: GEICO ($27 monthly for minimum coverage), Farm Bureau ($28 monthly for minimum coverage)
• At-Fault Accident: GEICO ($32 monthly for minimum coverage), Farm Bureau ($33 monthly for minimum coverage)
• Bad Credit: West Bend Mutual ($59 monthly for minimum coverage), Erie ($87 monthly for minimum coverage)

Drivers that need SR-22 filing should review our guide to the cheapest SR-22 coverage in Wisconsin.

For Wisconsin drivers with a DUI, Travelers offers the most affordable rates at $42 monthly for minimum coverage and $91 for full coverage. GEICO provides another option at $48 monthly for minimum coverage and $134 for full coverage. You should expect that your rates double, but Travelers offers an affordable rate after a DUI.

After an at-fault accident, GEICO has the cheapest minimum coverage at $32 monthly, while Auto-Owners has the cheapest full coverage at $86 monthly. Farm Bureau and Travelers are low-cost alternatives at just a few dollars a month more. Though at-fault accidents will increase your rate by 50% in Wisconsin, rates from these providers remain very affordable.

After a speeding ticket in Wisconsin, GEICO provides the most affordable minimum coverage at $27 monthly and full coverage at $79 monthly. Farm Bureau offers competitive low rates at $28 monthly for minimum coverage and $82 for full coverage. Your speeding violation increases rates by about 25% in Wisconsin compared to a clean record, but GEICO is still very affordable with only a $7 a month rate increase after the violation.

For Wisconsin drivers with poor credit, West Bend Mutual offers the most affordable rates at $59 monthly for minimum coverage and $120 for full coverage. Erie and GEICO follow as cheap alternatives, but West Bend is lower by a wide margin. Wisconsin insurers use credit scores to determine your rates. Rates with poor credit are up to 3 times higher in Wisconsin, making improving your credit score one of the best strategies for getting cheaper rates.

Boosting your credit score by 50 to 100 points can reduce your insurance rates within six months to a year. Compare quotes every six months while rebuilding credit since insurers evaluate credit scores differently when setting premiums.

Wisconsin drivers have unique challenges with harsh winter conditions and seasonal weather damage that impact insurance rates. Get the lowest rates with these strategies:

• Compare quotes from at least three Wisconsin insurers with identical coverage levels. Wisconsin insurers adjust rates frequently, so your cheapest option can change throughout the year.
• Start with minimum coverage at $21 monthly if you own your car outright to keep car insurance costs low.
• Increase deductibles from $500 to $1,000 on full coverage to lower your premium by 14-22% in Wisconsin.
• Bundle auto with home or renters insurance to save 13% to 25% on both policies in Wisconsin.
• Apply common discounts like good driver, multi-car, paperless billing and automatic payment. See our full guide to car insurance discounts for more options.

See our guide on how to lower your car insurance rate and save.

Our insurance experts answer common questions about finding the most affordable car insurance coverage in Wisconsin.

We gathered auto insurance data from the Office of the Commissioner of Insurance and analyzed quotes from major insurers across all residential ZIP codes in Wisconsin. Our analysis included more than 39 million rate comparisons in Wisconsin to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.