Cheapest Car Insurance in Wisconsin for 2026

Wisconsin ranks ninth most affordable of 50 states at $87 a month for full coverage, 29% below the national average. GEICO is cheapest for minimum coverage at $21 a month and full coverage at $55 a month.

Travelers is cheapest for young drivers, seniors, at-fault accidents and DUI. West Bend Mutual, a regional Wisconsin insurer, is cheapest for bad credit at $120 a month, $86 less than GEICO at $206 a month.

Wisconsin requires both UM and MedPay at minimum. MedPay is mandatory in only two states nationwide: Wisconsin and Maine.

Cheapest in Wisconsin by coverage type
-   Full coverage: GEICO, $55
-   Minimum coverage: GEICO, $21

Cheapest by city
-   Milwaukee: Travelers, $77
-   Madison: GEICO, $47
-   Green Bay: GEICO, $48

Cheapest by driver age
-   Teen drivers (16) on a family policy: GEICO, $239 (girls) / $257 (boys)
-   Seniors (65+): Travelers, $79

Cheapest by driving record and credit score
-   Speeding ticket: GEICO, $78
-   At-fault accident: Travelers, $84
-   DUI: Travelers, $91
-   Texting while driving: GEICO, $69
-   Bad credit: West Bend Mutual, $120

MoneyGeek analyzed 11 providers in Wisconsin using a 40-year-old driver with a clean record and good credit, for a 100/300/100 full coverage policy with a $1,000 deductible.

Wisconsin is an at-fault state with minimum coverage of 25/50/10, plus required uninsured motorist (UM) and required medical payments (MedPay) coverage. Wisconsin and Maine are the only two states that mandate MedPay.

Gender is a rating factor in Wisconsin. Data are from Quadrant Information Services.

GEICO is cheapest for minimum coverage at $21 a month and full coverage at $55 a month in Wisconsin. Travelers is second for full coverage at $59 a month, only $4 more than GEICO, close enough to quote both at every renewal. Picking GEICO over Farmers, the most expensive at $142 a month, saves $87 a month ($1,044 a year). Review the best car insurance in Wisconsin to see provider options across coverage types.

Wisconsin minimum coverage is 25/50/10 in an at-fault state with no PIP, plus required UM and required MedPay. MedPay covers first-party medical costs for the policyholder and passengers after an accident regardless of fault, but unlike PIP, does not cover lost wages. Wisconsin and Maine are the only two states that require MedPay, making Wisconsin's minimum more comprehensive than most at-fault state minimums.

The average cost of car insurance in Wisconsin ranks ninth most affordable nationwide because low population density outside Milwaukee, minimal traffic congestion, a competitive regional insurer market (West Bend Mutual, Acuity, Wisconsin Farm Bureau) and low litigation rates all keep costs down. The state's rural character and dispersed population reduce claims frequency compared to dense urban states.

Minimum coverage averages $36 a month statewide, and full coverage averages $87 a month, a $51 a month ($612 a year) gap. With GEICO, the gap narrows to $34 a month ($21 minimum versus $55 full coverage).

Wisconsin's minimum includes MedPay and UM, making it more comprehensive than most at-fault state minimums. It covers no collision or comprehensive coverage, and the $10,000 property damage limit won't cover most vehicle repairs.

Wisconsin's deer collision risk and heavy winter weather make comprehensive coverage especially relevant. Figure out how much car insurance you need to choose the right level.

GEICO is cheapest in nine of 10 analyzed Wisconsin cities; Travelers is cheapest in Milwaukee. Milwaukee is the most expensive city at $77 a month; Oshkosh is the cheapest at $43 a month, a $34 a month ($408 a year) gap. Milwaukee is Wisconsin's only major dense urban center, with elevated traffic density, higher vehicle theft rates and concentrated claims activity. Oshkosh and Appleton ($43 to $44 a month) are mid-size Fox Valley cities with low claims frequency.

Madison ($47 a month) and Green Bay ($48 a month) are Wisconsin's second- and third-largest cities but rank among the cheapest, with lower traffic density, low theft rates and university and municipal demographics. Kenosha ($60 a month) and Racine ($60 a month) tie as the second-most-expensive cities, both Chicago metro-adjacent with higher claims intensity.

Compare car insurance options across all Wisconsin cities.

Travelers is cheapest for young drivers at $148 a month, $6 less than Erie ($154 a month). West Bend Mutual is the most expensive at $204 a month, $56 more than Travelers ($672 a year). GEICO, cheapest for adults, ranks fourth for young drivers at $176 a month.

On family policies, GEICO is cheapest at ages 16 and 17; Travelers takes over at 18 and holds through 25. The switch at 18 is an opportunity to shop again, so confirm at that birthday whether Travelers or GEICO is cheaper. The gender gap narrows from $18 a month at age 16 to $3 a month at age 25. Review car insurance rates by age to understand how rates change over time.

Travelers is the cheapest car insurance for seniors in Wisconsin at $79 a month, $20 above its adult rate of $59 a month. GEICO is second at $91 a month. Nationwide is the most expensive of the five at $99 a month, $20 more than Travelers.

GEICO is cheapest for speeding tickets ($78 a month) and texting while driving ($69 a month). Travelers is cheapest for at-fault accidents ($84 a month) and DUI ($91 a month). West Bend Mutual is cheapest for drivers with bad credit at $120 a month, $86 less than GEICO at $206 a month. The pattern mirrors the adult market: GEICO for clean records and minor violations, Travelers for at-fault and DUI. Review the best car insurance in Wisconsin for high-risk profiles.

Most violations affect rates for three years, but a DUI lasts longer. After a DUI, Wisconsin requires an SR-22 filing.

GEICO is cheapest after a speeding ticket at $78 a month, $23 above its clean-record rate of $55 a month. The five providers range from GEICO at $78 a month to Farm Bureau at $82 a month, a gap of $4 a month.

Travelers is cheapest after an at-fault accident at $84 a month. Auto-Owners at $85 a month is essentially tied. Erie is the most expensive of the five at $109 a month, $25 more than Travelers. Review the best car insurance in Wisconsin for at-fault accident profiles.

Travelers is cheapest after a DUI at $91 a month, $32 above its clean-record rate of $59 a month. GEICO is second at $133 a month, $42 more than Travelers. Allstate is the most expensive of the five at $143 a month. After a DUI, Wisconsin requires an SR-22 filing.

GEICO is cheapest after a texting while driving violation at $69 a month, $14 above its clean-record rate of $55 a month. Auto-Owners is second at $73 a month. Travelers is the most expensive of the five at $91 a month, $22 more than GEICO.

West Bend Mutual is cheapest for drivers with bad credit at $120 a month, $86 less than GEICO at $206 a month. Drivers with bad credit who default to GEICO or any national brand will pay substantially more. West Bend Mutual may not appear on all comparison sites, so get a direct quote. Our guide to low-income car insurance in Wisconsin covers additional options.