Acuity is our pick as the overall best car insurance company in Wisconsin. Moreover, it’s our choice as the top company for most of our categories in this study, including customer service, young adults and senior drivers.
Meanwhile, Erie is the best car insurance provider if you’re looking for minimum coverage. Chubb stands out for motorists with violations, and Travelers is the best for new car owners. When it comes to military-affiliated drivers, USAA is the highest-ranking company.
If cost is your priority, we've also listed the cheapest car insurance in Wisconsin, not considering service quality.
Best Car Insurance in Wisconsin









Best Overall for Car Insurance in Wisconsin
Based on MoneyGeek's analysis, Acuity is Wisconsin's best car insurance provider for full coverage policies. The highest-scoring providers in the state are:
- Acuity: MoneyGeek score 93 out of 100 ($960 per year)
- Erie: MoneyGeek score 93 out of 100 ($707 per year)
Although Erie is more affordable and scores well on customer satisfaction, Acuity has a better customer service reputation. That’s why we picked the latter as the best provider in the state.
If your priority is to save money, we also analyzed the cheapest affordable full-coverage car insurance options in Wisconsin.

Erie is our runner-up car insurance provider in Wisconsin. It’s cheaper than average, costing roughly $707 per year, while maintaining good customer service. You can add personal property insurance to your car policy, which pays for damages to your personal belongings.
MoneyGeek’s next-best choice in Wisconsin is Erie. It offers affordable premiums and excellent customer service, making it a cheaper alternative to Acuity.
Erie also lets you include optional riders in your policy to enhance the protection you receive.
If you buy comprehensive insurance from Erie, you automatically get glass repair coverage that waives your deductible for repairs. Additionally, you can buy full window glass coverage, exempting you from paying the deductible for repairs and replacements. Whichever you choose, you get new wiper blades in the event of windshield replacement.
Personal property insurance is another add-on you can buy. It covers your clothing, luggage and personal belongings inside your car for up to $350.
Erie also offers Auto Security coverage. If your car gets totaled within its first two years, the company will replace it with the newest model year.

Erie is our runner-up car insurance provider in Wisconsin. It’s cheaper than average, costing roughly $707 per year, while maintaining good customer service. You can add personal property insurance to your car policy, which pays for damages to your personal belongings.
MoneyGeek’s next-best choice in Wisconsin is Erie. It offers affordable premiums and excellent customer service, making it a cheaper alternative to Acuity.
Erie also lets you include optional riders in your policy to enhance the protection you receive.
If you buy comprehensive insurance from Erie, you automatically get glass repair coverage that waives your deductible for repairs. Additionally, you can buy full window glass coverage, exempting you from paying the deductible for repairs and replacements. Whichever you choose, you get new wiper blades in the event of windshield replacement.
Personal property insurance is another add-on you can buy. It covers your clothing, luggage and personal belongings inside your car for up to $350.
Erie also offers Auto Security coverage. If your car gets totaled within its first two years, the company will replace it with the newest model year.

Acuity offers excellent customer service while maintaining affordable rates. However, at approximately $960 per year, it’s on the pricey end of the market. Yet it offers useful add-ons such as personal auto enhancement coverage, which bundles several endorsements that extend to your car and personal property.
Acuity is MoneyGeek's pick as Wisconsin's best car insurance company, with its affordable pricing and exceptional customer service. This provider also offers unique add-on coverages that improve the protection that you receive.
Notably, Acuity offers personal auto-enhancement coverage. It’s an endorsement that bundles various coverages, including:
- Key and lock replacement
- Personal property replacement
- Travel expenses coverage
- Veterinary expenses reimbursement
- Airbag replacement
- Accidental death and total disability benefits
Such a package is not usually offered by auto insurance companies, so you can take advantage of that if you want to get increased financial security.
You can also buy full safety glass coverage. This optional rider exempts you from paying the comprehensive deductible if your car’s windshield or windows need to be repaired or replaced. It’s another unique offer from Acuity.

Acuity offers excellent customer service while maintaining affordable rates. However, at approximately $960 per year, it’s on the pricey end of the market. Yet it offers useful add-ons such as personal auto enhancement coverage, which bundles several endorsements that extend to your car and personal property.
Acuity is MoneyGeek's pick as Wisconsin's best car insurance company, with its affordable pricing and exceptional customer service. This provider also offers unique add-on coverages that improve the protection that you receive.
Notably, Acuity offers personal auto-enhancement coverage. It’s an endorsement that bundles various coverages, including:
- Key and lock replacement
- Personal property replacement
- Travel expenses coverage
- Veterinary expenses reimbursement
- Airbag replacement
- Accidental death and total disability benefits
Such a package is not usually offered by auto insurance companies, so you can take advantage of that if you want to get increased financial security.
You can also buy full safety glass coverage. This optional rider exempts you from paying the comprehensive deductible if your car’s windshield or windows need to be repaired or replaced. It’s another unique offer from Acuity.
How the Best Insurers in Wisconsin Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed 18 car insurance providers in Wisconsin and named Acuity as the state's best insurer.
Although Acuity wasn't the cheapest option, it earned the second-highest score for customer service. It maintained good ratings for coverages offered, claims management and affordability.
Erie is our runner-up pick. It's cheaper and has a positive customer service reputation. But, it has limited add-on coverages and lower scores than Acuity.
The prices quoted in this study are for full coverage car insurance. Only companies with enough data received a MoneyGeek score.
Best Car Insurance in Wisconsin for Customer Service
Acuity is Wisconsin's best car insurance provider for those who prioritize customer service. Based on MoneyGeek's research, the leading insurers in the state when it comes to customer satisfaction are:
- Acuity: MoneyGeek score 94 out of 100 ($960 per year)
- Chubb: MoneyGeek score 93 out of 100 ($1,116 per year)
Due to its top-notch customer service and solid coverage options, Acuity stands out as the best insurer in this category.
However, Acuity is relatively expensive compared to most car insurance companies in Wisconsin. This shows you’ll need to pay a high price for quality service.

pros
Excellent customer satisfaction
Offers most commonly available add-on coverages
Has a rare bundle of coverage that extends to numerous items
cons
One of the most expensive insurers in the state
Lacks OEM coverage
COMPANY HIGHLIGHTS
MoneyGeek's preferred auto insurer for people who value customer satisfaction in Wisconsin is Acuity. You can expect outstanding service from this provider, and it also offers useful coverages that increase your policy's protections.
Acuity's personal auto enhancement coverage is a rare endorsement. It combines multiple coverages, including:
- Accidental death and total disability
- Airbag replacement
- Key and lock replacement
- Personal property replacement
- Travel expenses coverage
- Veterinary expenses
With this bundle, you can obtain greater financial protection than other auto insurance providers rarely offer.
Acuity offers another exclusive option: Full safety glass coverage. This eliminates the need to pay the comprehensive deductible if your car's windshield or windows require repair or replacement.
If your vehicle's value falls below what you owe a lender after a covered accident, gap coverage can pay the difference.
What Makes an Insurer the Best for Customer Service?
Choose a car insurance provider that can alleviate your stress in the event of an accident or while filing a claim. A provider best for customer service delivers fast and effective claims processing, responds to you promptly, resolves issues effectively and quickly pays approved claims.
Our research shows that Acuity excels in this regard, with its exceptional reputation for customer service and diverse coverage offerings.
Best Car Insurance in Wisconsin for Minimum Coverage
According to MoneyGeek’s analysis, Erie is the best provider if you’re looking for minimum coverage car insurance in Wisconsin. Further, these companies have the highest scores for this category:
- Erie: MoneyGeek score 95 out of 100 ($239 per year)
- Acuity: MoneyGeek score 94 out of 100 ($348 per year)
Erie’s minimum coverage policy is the cheapest among the 18 insurers in the state. Additionally, it has a solid customer service reputation, which means it doesn’t compromise service quality for its low price.
While purchasing a cheap minimum coverage car insurance policy in Wisconsin can lead to cost savings, it also results in limited protection. Such a policy only provides minimal coverage for liability costs and does not extend to damages to your vehicle.

pros
Affordable minimum coverage at around $239 per year
Safe driving, airbag and anti-lock brakes discounts
Excellent customer service
cons
Limited coverage options
COMPANY HIGHLIGHTS
MoneyGeek's pick if you're looking for the best minimum coverage car insurance in Wisconsin is Erie. On average, it costs $239 per year, making it the cheapest choice among the 18 providers in the state. Erie doesn't compromise on service quality despite its affordable price.
You can also reduce your insurance costs with Erie's numerous discount opportunities. It offers savings for:
- Bundling your auto insurance with other Erie products
- Having a clean driving record
- Insuring multiple cars
Erie also offers discounts others don't. Notably, you can get a discount for:
- Engraving your VIN on your vehicle's windows
- Having an electronic tracking device installed in your car
- Installing airbags, anti-theft devices and anti-lock brakes
- Paying your annual premiums in a lump sum
- Setting up an automatic payment plan
What Makes an Insurer the Best for Minimum Coverage?
Not everyone may need or be able to afford full coverage car insurance. Some may prefer a more budget-friendly option, like a minimum coverage policy.
A good minimum coverage policy provides the state's required coverage limits at an affordable price while presenting discounts to further reduce your premiums.
According to our analysis, Erie is the best option for minimum coverage car insurance in Wisconsin with its low rates, excellent customer service and various discounts, including unique ones.
Best Car Insurance in Wisconsin for Young Adults
Acuity is the leading auto insurance provider for young adults in Wisconsin, per MoneyGeek’s research.
We analyzed affordability and service quality to find the best car insurance for drivers in their twenties. The following providers ranked highest:
- Acuity: MoneyGeek score 82 out of 100 ($1,253 per year)
- Erie: MoneyGeek score 81 out of 100 ($945 per year)
Acuity stands out among the 18 providers in the state due to its stellar customer service and useful coverage offerings.
Typically, individuals in their twenties receive cheaper car insurance compared to teenagers. However, they still pay significantly higher rates compared to older drivers.
You can find cheap car insurance for young adults in Wisconsin by comparing offers.

pros
Excellent customer satisfaction
Good student discount
Great selection of add-on coverages
cons
Pricier than most providers in the state
COMPANY HIGHLIGHTS
Acuity is our top choice for young adults in Wisconsin who are looking for car insurance. It provides excellent customer service and widely applicable add-on coverages.
Additionally, Acuity offers a good student discount, which reduces the premiums of full-time students with a "B" average or better grades. This applies while they’re in school and after graduation.
Among Acuity’s unique endorsements is its personal auto enhancement coverage. It combines several coverages, which helps pay for:
- Airbag replacement
- Key and lock replacement
- Personal property replacement
- Travel expenses
- Veterinary expenses
The bundle also includes accidental death and total disability benefits. Since younger drivers get involved in more car accidents, getting this coverage may pay off in case the unfortunate happens.
Additionally, Acuity offers roadside assistance coverage, which helps you deal with emergency road assistance, towing and labor services.
What Makes an Insurer the Best for Young Adults?
Young adults often face high car insurance premiums from insurance companies. If you fall in this category, we recommend finding a company with reasonable prices, applicable discounts and solid customer service.
Our analysis shows that Acuity is the best option for young drivers in Wisconsin. It has a great customer satisfaction reputation and offers robust coverage options to enhance your policy's protections.
Best Car Insurance in Wisconsin for Teens and Students
According to MoneyGeek's analysis, Auto-Owners Insurance is Wisconsin's best car insurance option when insuring teen drivers. The top insurers in this category are:
- Auto-Owners Insurance: MoneyGeek score 77 out of 100 ($2,043 per year)
- Travelers: MoneyGeek score 74 out of 100 ($1,906 per year)
Auto-Owners Insurance stands out from the competition with its balance of affordable rates and quality service.
It can get expensive to buy car insurance for teen drivers. However, you can save roughly $3,203 per year by including your children in your policy. To ensure you’ll find cheap car insurance for teens in Wisconsin, we also recommend comparing offers from various providers.

pros
Solid customer service reputation
Offers good student discount and distant student discount
Great selection of add-on coverages
cons
More expensive than most providers in Wisconsin
Mediocre claims management
COMPANY HIGHLIGHTS
MoneyGeek recommends Auto-Owners Insurance as the best car insurance company for Wisconsin teens. You can expect top-notch customer service from this provider, which is helpful during emergencies and when filing claims.
Moreover, Auto-Owners Insurance offers discounts that are specific to students. Young drivers who maintain a cumulative “B” or better average can receive an up to 20% discount. Likewise, students who are attending school over 100 miles from home and without a vehicle can also get a discount.
Auto-Owners Insurance also has a robust selection of optional endorsements that can enhance your car insurance policy.
Notably, you can buy diminished value coverage as an add-on. It’s an insurance that pays you if your car's value drops following an accident. It’s helpful in protecting your investment, considering that younger drivers are more likely to become involved in accidents.
What Makes an Insurer the Best for Teens?
Regarding car insurance for teenage drivers, it's important to find a company that offers affordable rates, excellent customer service and a range of coverage options. Although car insurance for teens is usually expensive, you can reduce costs by finding companies offering student-relevant discounts.
In Wisconsin, Auto-Owners Insurance stands out as the top car insurance provider for teens, thanks to its stellar customer service and wide range of coverage options.
Best Car Insurance in Wisconsin for Seniors
Acuity is the top car insurance provider for senior drivers in Wisconsin. Based on MoneyGeek’s study of affordability and service quality, these providers stand out as the best for motorists in their sixties:
- Acuity: MoneyGeek score 93 out of 100 ($876 per year)
- Erie: MoneyGeek score 92 out of 100 ($737 per year)
Acuity bested 17 other companies because of its exceptional customer support and reasonable rates.
Drivers in their sixties can expect to pay similar car insurance rates to those in their thirties to fifties. However, rates tend to become pricier for individuals over 70.
To get the best cheap car insurance for seniors in Wisconsin, shop around and compare quotes from various insurance providers.

pros
Reasonable rates at roughly $876
Coverage bundle with extensive protections
Impressive customer service reputation
cons
Mediocre claims management
No discounts for seniors
COMPANY HIGHLIGHTS
MoneyGeek’s choice as the best car insurance company for seniors in Wisconsin is Acuity. It’s neither cheap nor expensive, but you can expect top-notch customer service from this provider.
Acuity also offers add-on endorsements that are especially useful for older drivers. You can include roadside assistance coverage in your policy and get help for your towing, labor and other emergency expenses.
Its rental car coverage also pays for your rental car, bus, rideshare or taxi expenses if your vehicle is unusable due to a covered incident.
This provider also has personal auto-enhancement coverage. It’s an add-on that features a range of additional protection, including:
- Replacement of lost or stolen keys
- Reimbursement for damaged personal items in your car
- Coverage for travel, food, lodging, and car rental costs following an accident
- Compensation for veterinary bills if your pet is hurt in a crash
- Airbag replacement
- Benefits for accidental death and permanent disability
What Makes an Insurer the Best for Seniors?
Insurers consider most drivers in their sixties as low-risk and offer them lower insurance rates. However, older drivers are at higher risk of serious injury in the event of an accident.
Seniors should opt for an insurance policy with comprehensive coverage and personal injury protection for extra security. They can also take advantage of discounts designed for seniors to reduce their rates.
Based on its customer service reputation and range of riders, Acuity is our top pick as the best car insurance company for seniors.
Best Car Insurance in Wisconsin for Drivers With Offenses
Based on MoneyGeek’s analysis, Chubb is the best car insurance company for Wisconsin drivers with speeding tickets, accidents or DUIs. After evaluating the affordability and customer service of 18 providers in the state, these two emerged as the highest rated:
- Chubb: MoneyGeek score 93 out of 100 ($1,209 per year)
- Erie: MoneyGeek score 93 out of 100 ($913 per year)
We selected Chubb as the best due to its affordable rates and top-notch customer service.
In Wisconsin, committing driving violations can lead to a substantial hike in your car insurance rates. On average, you can expect your insurance premiums to go up by:
- $213 for a speeding ticket
- $336 for an at-fault accident
- $380 for a DUI
Nonetheless, shopping around can help you find cheap car insurance after an accident in Wisconsin.

pros
Offers rental car reimbursement coverage
With a strong customer service reputation
Good claims management
cons
Limited add-on coverages offered
Lacks new/better car replacement coverage, roadside assistance coverage and accident forgiveness coverage
COMPANY HIGHLIGHTS
If you have a traffic violation in Wisconsin, MoneyGeek recommends Chub as the best car insurance provider. This company offers outstanding customer service and top-notch claims management, which is helpful for someone who frequently files claims.
Chubb also offers rental car reimbursement coverage. It’s an optional rider that lets you rent a vehicle similar to yours in case your car is unusable due to a covered accident.
Additionally, Chubb offers original equipment manufacturer (OEM) coverage. This endorsement is not commonly available among auto insurers. It pays for using OEM parts and procedures during car repairs.
Chubb's Agreed Value coverage is another unique feature that allows you and the insurer to determine the value of your car when the policy is established. In the event of theft or a total loss, you will receive a check for the agreed amount, saving you thousands of dollars in case of a covered loss.
What Makes an Insurer the Best for Drivers With Offenses?
If you have a traffic offense, you will be considered a high-risk driver and face higher auto insurance premiums. Searching for a provider offering low prices and discounts is advisable. Additionally, selecting a company with excellent customer service can guarantee a smooth claims process in case of an accident.
Chubb is our top recommendation in this category due to its robust customer service and claims management.
Best Car Insurance in Wisconsin for Drivers With New Cars
According to MoneyGeek's analysis, Travelers is the best car insurance company for drivers with new vehicles in Wisconsin.
We studied auto insurers for drivers with a 2022 model car, limiting our analysis to providers offering new or better car replacement coverage. Here are the highest-performing companies:
- Travelers: MoneyGeek score 89 out of 100 ($778 per year)
- Allstate: MoneyGeek score 87 out of 100 ($1,220 per year)
Travelers sets itself apart from other providers with its extensive selection of optional coverages and affordable rates—the cheapest in the state.
Moreover, Travelers provides Premier New Car Replacement® coverage as an additional option. This coverage pays for a brand-new car if your vehicle is declared a total loss within its first five years. This guarantees you'll receive the same make and model, allowing you to maintain the benefits of driving a new car even after an accident.

pros
Has the cheapest premiums at approximately $778 per year
With new car replacement coverage
Offers several add-on coverage options
cons
Subpar claims management
Lacks OEM coverage
COMPANY HIGHLIGHTS
According to MoneyGeek’s evaluation, Travelers is the best choice for auto insurance for new car owners in Wisconsin. This provider offers the cheapest premiums in the state and has a strong set of add-on coverages to provide greater protection for your investment.
What sets Travelers apart in this category is its Premier New Car Replacement® coverage. If your car is declared a total loss within its first five years, this add-on coverage pays for a new car of the same make and model.
In addition, Travelers also provides gap insurance as an option, which offers protection if you finance or lease your vehicle. In case of a total loss, this may pay the difference between the vehicle's value and the outstanding balance.
What Makes an Insurer the Best for Drivers With New Cars?
If you own a new car, you should get comprehensive car insurance for maximum protection of your investment. Furthermore, selecting a provider with new or better car replacement coverage will ensure that, even after an accident, you can still enjoy the benefits of driving a newer car.
Travelers is the best option for Wisconsin drivers with new cars because of its affordability and coverage options.
Best Car Insurance in Wisconsin for Military Drivers
USAA is Wisconsin's best car insurance provider for drivers with a military background. It has a MoneyGeek score of 94 out of 100 and offers an average annual cost of $483, making it the cheapest option in the state.
Beyond its cost-effectiveness, USAA provides exceptional customer service tailored to the needs of veterans, active military personnel and their families.

pros
Lowest rates for military drivers at $483 per year
Accident forgiveness coverage as an add-on
Superb customer service
cons
Limited coverage options and below-average claims management
Lacks gap insurance
COMPANY HIGHLIGHTS
USAA is MoneyGeek’s number-one choice for car insurance for military-affiliated drivers. Its low rates and exceptional customer service make it the best option for veterans, active-duty personnel and their families.
In addition to standard coverage options like roadside assistance and rental car coverage, USAA offers accident forgiveness after five accident-free years.
As a USAA policyholder, you can take advantage of several cost-saving opportunities.
Storing your vehicle can result in substantial discounts of up to 60%. Parking your vehicle on a military base and reducing your mileage can also lead to lower rates. And, you can bundle your car insurance with your home or renters insurance policy to get even more savings.
How to Find the Best Car Insurance in Wisconsin for You
MoneyGeek determined Wisconsin's top car insurance company based on factors like affordability, customer service and financial stability.
We've gathered quotes from multiple insurers to help you make an informed decision that meets your individual requirements and preferences. We've also created a comprehensive guide to assist you in conducting your research.
Research customer service reputations in Wisconsin
MoneyGeek has gathered customer service ratings for top car insurance providers in Wisconsin from J.D. Power's customer satisfaction study and NAIC's customer complaint index. These organizations can help you assess an insurance company's service history. You can also find more information on a specific insurance company on the OCI Office of the Commissioner of Insurance website.
Compare quotes
To estimate car insurance costs, compare quotes from at least three car insurance companies in Wisconsin. Remember that MoneyGeek's average rates are based on sample drivers and may not apply to you. Premiums are determined based on various factors, such as age, driving profile, car make and others.
Find the coverages you want in Wisconsin
Research the coverages and discounts offered by insurance companies on their websites, but verify offers by contacting the insurer. Some offers may not be available in certain states even though you can see them on the provider's website. Reading the fine print and researching will help you determine a provider's value proposition.
Check financial stability ratings
Check an insurer's financial strength rating to determine its ability to meet policyholder claim obligations. Most car insurance companies in Wisconsin are large, well-diversified and have low bankruptcy risk. However, it's still advisable to check the financial stability rating of your preferred insurer, especially if you’re considering smaller or regional providers.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Wisconsin
To help you find the right car insurance, we've answered some frequently asked questions about car insurance in Wisconsin.
About Mark Fitzpatrick
