bestauto insuranceWisconsin2022The Best Car Insurance in Wisconsin for 2022
The best car insurance companies in Wisconsin offer a balance of affordability and quality coverage. In Wisconsin, Erie ranks first in customer satisfaction and claims ratings among car insurers in the state.
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Last Updated: 5/13/2022
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Mark Fitzpatrick
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MoneyGeek’s analysis found that Erie offers the best car insurance in Wisconsin. However, the best option for you depends on your specific needs. MoneyGeek broke down the best insurers for drivers on a budget, for customer service and other consumer priorities to help you find the ideal option for you.
bestauto insuranceWisconsin2022The Best Car Insurance in Wisconsin
Best Car Insurance Companies in Wisconsin: Overall
To find the best car insurance companies in Wisconsin, MoneyGeek scored insurers based on user satisfaction, affordability and claims ratings.
MoneyGeek found that the top car insurance companies in Wisconsin are:
- Erie: MoneyGeek score of 4.3 out of 5
- GEICO: MoneyGeek score of 3.9 out of 5
Although it is excluded from this study, USAA with a MoneyGeek score of 5 out of 5 is the best car insurance company in Wisconsin for active-duty military or veterans.
The Top 5 Car Insurance Companies in Wisconsin
1
Erie
Score:4.3
Erie ranks first in Wisconsin for customer satisfaction and claims. A policy with Erie has an average cost of $759 per year. However, Erie is not the cheapest option in Wisconsin, but the policy comes with unique coverages including auto security.
More About Erie
The auto security feature offered by Erie means that if your car is totaled, it will be replaced with the newest model year if you’ve had it for less than two years. An Erie policy also does not penalize drivers in Wisconsin who have been claim-free for three years or more for their first at-fault accident.
Read MoneyGeek's Erie auto Insurance Review2
GEICO
Score:4
GEICO is the most affordable car insurer in Wisconsin, and ranks third for customer satisfaction and second for claims. This policy comes with Mechanical Breakdown Insurance (MBI) setting it apart from other providers.
More About GEICO
A GEICO policy allows Wisconsin drivers with cars that are less than 15 months old and with less than 15,000 miles to opt for mechanical breakdown coverage which cover all car parts and systems, not only those covered by most dealer warranties. You can also get accident forgiveness with your policy to ensure your premiums won't go up as a result of your first at-fault accident.
Read MoneyGeek's GEICO auto Insurance Review3
State Farm
Score:3.9
State Farm ranks second for customer satisfaction and ties for second for claims. This policy is ideal for rideshare app drivers who want coverage while working for a ridesharing company.
More About State Farm
One of the unique coverages offered by State Farm is the optional rideshare coverage which extends all coverages from your auto policy while actively working for a rideshare company. State Farm also offers coverage for rental car expenses including meals, lodging and transport if you are responsible for an accident in your rental car up to a limit of $500.
Read MoneyGeek's State Farm auto Insurance Review4
American Family
Score:3.9
American Family is ranked third for affordability and second for claims among car insurance companies in Wisconsin. This policy is one of the few in Wisconsin with optional OEM coverage.
More About American Family
Wisconsin drivers who want additional OEM coverage can opt for this add-on with an American family policy. The Original Equipment Manufacturer (OEM) coverage ensures that aftermarket parts will not be used when repairs are made to your vehicle.
Read MoneyGeek's American Family auto Insurance Review5
AAA
Score:3.6
AAA is the second most affordable auto insurance company in Wisconsin and ties for third for client satisfaction and claims. This policy offers complimentary identity theft monitoring with their AAA membership.
More About AAA
You can also opt for rental car reimbursement coverage with this policy, which reimburses you for car rentals if your car is not drivable or in the shop for repairs.
Read MoneyGeek's AAA auto Insurance ReviewHOW WE DETERMINED THE BEST INSURANCE IN WISCONSIN
MoneyGeek collected full coverage policy quotes across providers for a sample driver to determine the best full coverage policies in Wisconsin. The average car insurance rates in Wisconsin will differ, greatly depending on your background. The claims rating and user satisfaction data in this study were obtained from J.D. Power and the NAIC. You can read our methodology for more details on sample drivers, policy and assumptions.
MoneyGeek's Wisconsin Car Insurance Resources:
Compare the Best Insurance Options in Wisconsin
The best car insurance in Wisconsin balances affordability, customer satisfaction and coverage benefits. MoneyGeek’s review of the best auto insurance companies in Wisconsin will help you compare insurers and find the best option for you. However, the best option for you depends on the type of coverage you need.
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Best Car Insurance in Wisconsin for Customer Service
To find the best auto insurance companies in Wisconsin for customer service, MoneyGeek scored providers based on claims ratings and user satisfaction, while ignoring costs.
The best insurers for customer service in Wisconsin are:
- Erie: MoneyGeek score of 4.7 out of 5
- Hartford: MoneyGeek score of 4.5 out of 5
The Top 2 Car Insurance Companies in Wisconsin for Service Quality
1
Erie
Score:4.7
Erie has the highest customer satisfaction and claims ratings in Wisconsin among all the providers in MoneyGeek’s study. This policy may be more costly compared to other insurers, but the higher cost is a trade-off for better service.
More About Erie
Erie policyholders can get unique coverages including new car replacement coverage. This covers if you’ve had your new car for less than two years and it’s gets totaled, it will be replaced with the newest model year. You can also get accident forgiveness if you have three or more claim-free years with Erie.
Read MoneyGeek's Erie auto Insurance Review2
The Hartford
Score:4.5
The Hartford ties in second for both customer satisfaction and claims ratings among auto insurers in Wisconsin.
More About The Hartford
Wisconsin drivers insured with The Hartford can opt for a full auto glass cover which covers your car’s headlights, mirrors and window repairs with no deductible. Policyholders can also get deductible modification coverage which reduces the collision deductible on your car insurance policy over time if you keep a clean driving record.
Read MoneyGeek's The Hartford auto Insurance ReviewBest Car Insurance in Wisconsin for Drivers on a Budget
MoneyGeek ranked the best car insurers in Wisconsin that prioritize drivers on a budget, looking for just the minimum car insurance required by Wisconsin.
The best insurers in Wisconsin for a minimum coverage policy are:
- Erie: MoneyGeek score of 4.5 out of 5
- State Farm: MoneyGeek score of 4 out of 5
These scores are based on the provider’s balance of affordability for a minimum coverage policy and customer service.
MoneyGeek’s Pick: Erie
pros
Highest customer satisfaction and claims ratings in Wisconsin.
Affordable minimum coverage policy of $343 annually.
Rental car reimbursement.
Accident forgiveness for those with three or more years without a claim.
Better car replacement for new cars less than two years old.
cons
Policyholders do not get discounts for paperless billing.
Affordability score is low at 3.8 out of 5
COMPANY HIGHLIGHTS
Erie policyholders can take advantage of bundling discounts by taking out multiple policies with the insurer or insuring multiple cars with them. This insurer also offers discounts for enhanced safety features in your car such as anti-theft devices and anti-lock brakes.
Young drivers in Wisconsin may also be eligible for a legacy discount with Erie if they were insured for consecutive years under a parent’s or guardian’s policy.
Best Car Insurance in Wisconsin for Poor Driving Records
MoneyGeek ranked car insurers in Wisconsin based on the cost of car insurance for those with an at-fault accident on their record and the quality of the provider’s customer service.
For drivers with poor driving records, the highest ranked auto insurance companies in Wisconsin are:
- Erie: MoneyGeek score of 4.5 out of 5
- American Family: MoneyGeek score of 4.1 out of 5
These companies offer the best balance of affordability and quality customer service for drivers in Wisconsin with poor driving records.
MoneyGeek’s Pick: Erie
pros
Affordable full coverage policies for drivers with bad records at an average of $944 yearly.
Best customer satisfaction and claims rating among Wisconsin insurers.
Rental car and travel reimbursement.
New car replacement.
Accident forgiveness.
cons
No roadside assistance.
No gap insurance.
COMPANY HIGHLIGHTS
Wisconsin drivers with a bad driving record can get an auto insurance policy from Erie at an average of $944 yearly. This provider has the highest ratings for customer satisfaction and offers the best balance of affordability and quality service.
Erie policyholders can get reimbursed for travel or rental car expenses incurred while their car is in the shop. This policy also has new car replacement coverage that will reimburse you with the newest model year if your new car is totaled, if your car is less than two years old.
Best Car Insurance in Wisconsin for a Military Background
Based on MoneyGeek’s scoring system, USAA with a score of 5 out of 5, is the best car insurance company in Wisconsin. USAA ties for first place for customer satisfaction with the best widely available insurer, Erie. USAA ranks higher than all the other providers for affordability, claims ratings and financial stability. However, USAA is only available to former and current members of the military.
MoneyGeek’s Pick: USAA
pros
Affordable full coverage policy at $588 per year.
Rideshare gap coverage for drivers who drive for rideshare apps.
New vehicle discount if your car is less than 3 years old.
cons
Only available to veterans and active-duty military members and their families.
COMPANY HIGHLIGHTS
USAA has a solid reputation across the country for offering affordable policies and quality service. This provider ranks highest for affordability, customer satisfaction and claim ratings in Wisconsin.
USAA policyholders in Wisconsin who remain accident-free for five years or more qualify for accident forgiveness for their first at-fault accident. This policy also comes with rental or travel expense coverage while your car is in the shop for repairs. USAA also offers drivers discounts based on how long they have been insured with the company.
Best Car Insurance in Wisconsin for Young Drivers and Students
To find the best car insurance companies in Wisconsin for young drivers, MoneyGeek scored providers based on the cost of car insurance for young drivers and the provider’s customer service record.
For young drivers the best auto insurance companies in Wisconsin are:
- GEICO: MoneyGeek score of 4.3 out of 5
- Progressive: MoneyGeek score of 4.2 out of 5
These two providers offer the best balance of affordability and customer satisfaction for young drivers or student drivers in Wisconsin looking for affordable policies.
MoneyGeek’s Pick: GEICO
pros
Most affordable company for young drivers at an average of $1,752 yearly.
Good student discount for maintaining solid grades.
Driver’s education discount for completing a driver’s education course.
MoneyGeek scores of 5 out of 5 for affordability and 4 out of 5 for customer satisfaction.
cons
MoneyGeek claim rating score of 3.5 out of 5.
No distant student discount.
COMPANY HIGHLIGHTS
Auto insurance can be costly for young drivers but GEICO offers student drivers and young drivers an affordable policy that balances cost and quality service. Since young drivers are a high-risk category, having a reliable insurer with good customer satisfaction ratings is key.
Best Car Insurance in Wisconsin for Those With New Cars
Drivers with new cars in Wisconsin should consider getting a policy with new car replacement or better car replacement coverage. This coverage ensures that if your new car is totaled, you will be reimbursed for the cost of the newest car model, not the depreciated value. Insurers offer this coverage as an add-on feature you can include in your auto insurance policy.
MoneyGeek ranked the best auto insurance companies in Wisconsin offering better car replacement or new car replacement coverage. The best insurer for Wisconsin drivers with new cars is Erie with a MoneyGeek score of 4.3 out of 5.
MoneyGeek’s Pick: Erie
pros
Affordable full coverage policy at an average of $759 yearly.
New car replacement coverage for new cars.
One of the few insurers with better car replacement coverage in Wisconsin.
Moneygeek score of 5 out of 5 for user satisfaction
cons
Relatively costly compared to other insurers in Wisconsin.
COMPANY HIGHLIGHTS
An Erie policy is ideal for drivers who purchased new cars and want to ensure they will be reimbursed for a new or better car in case of an accident. This will protect drivers from depreciation affecting the value of the car.
If you opt for better car replacement coverage, you will be reimbursed with the latest model year provided your car is less than two years old.
Best Car Insurance in Wisconsin for Low-Mileage Drivers
Insurers are expanding the use of pay-per-mile, where drivers pay for car insurance based mostly on how many miles they drive. Nationwide’s SmartMiles program is the best pay per miles option for drivers in Wisconsin.
MoneyGeek’s Pick: Nationwide
pros
Offers affordable rates for drivers who rarely drive.
Customer satisfaction and claim ratings of 4 out of 5.
cons
Expensive for those who drive a lot.
Low affordability ratings of 1.93 out of 5.
COMPANY HIGHLIGHTS
Nationwide offers drivers in Wisconsin who do not drive a lot a pay-per-mile program, called SmartMiles. Nationwide’s SmartMiles program has a base rate and a variable rate depending on how many miles driven. This program also rewards you for safe driving by giving you up to 10% off by having a good driving record. However, the SmartMiles program exempts road trips where only the first 250 miles count in a single day.
How to Find the Best Car Insurance in Wisconsin in For You
When looking for the best auto insurance in Wisconsin, it is important to go for a provider with the best balance of affordability, customer satisfaction and financial stability. You can use MoneyGeek’s analysis to compare different insurers or look up different providers on your own.
1
Research Customer Service Reputations in Wisconsin
MoneyGeek ranked auto insurance companies in Wisconsin based on their customer satisfaction ratings but you can also look up this information for different insurers by checking J.D. Power satisfaction scores and NAIC complaint ratios. You can also find useful information from Wisconsin’s department of insurance website.
2
Compare Quotes for Yourself
MoneyGeek’s quotes are averages for sample drivers in most of Wisconsin but not everywhere. To get an accurate indication of the rates for your specific profile, get at least three quotes from different providers to compare and find the best rates.
3
Make Sure the Company Has Coverages You Want in Wisconsin
Insurers may advertise that they offer certain coverages or discounts, but these features may be restricted to specific states. It is important to check that the insurer offers the specific coverages you need in Wisconsin to avoid signing up for a policy that will not meet your needs.
4
Double-Check Financial Stability Ratings
Financial stability is an indicator of the insurer’s financial strength. The larger an insurer is, the more likely they are financially stable. Always check that the insurer you want to sign up with has a sound financial background.
FAQs About the Best Car Insurance in Wisconsin
There are many options for auto insurance in Wisconsin but the best policy for you will depend on the combination of features you want. But millions of consumers continue to shop for auto insurance with commonly asked questions. We wanted to help consumers get the answers to those exact questions, to help them make the best decision for them.
Methodology
MoneyGeek collected information on car insurance costs in Wisconsin in collaboration with Quadrant Information Services. Information on coverages and discounts from insurance companies were collected by MoneyGeek from insurer websites or their quote tools.
The rates used in this study are for the driver and policy described on our methodology page unless noted otherwise.
MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength were calculated from industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
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