GEICO offers Wisconsin's most affordable car insurance, with monthly rates of $20 for minimum coverage and $53 for full coverage. You'll save $27 monthly (42%) compared to state averages. Get quotes from Travelers, Erie, Farm Bureau and Auto-Owners too.
Cheapest Car Insurance in Wisconsin
Updated: November 5, 2025
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Key Takeaways
GEICO, Travelers and Erie are the cheapest car insurance companies for most Wisconsin drivers, with average savings of up to 42%.
Car insurance costs can be as low as $18 monthly for minimum coverage and $28 for full coverage policies on average in Wisconsin.
To get the cheapest car insurance in Wisconsin, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Wisconsin?
| Geico | $20 | $53 | -42% | $-27 |
| Travelers | $29 | $59 | -31% | $-20 |
| Erie Insurance | $26 | $74 | -21% | $-13 |
| Farm Bureau | $26 | $77 | -19% | $-12 |
| Auto Owners | $29 | $75 | -18% | $-11 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN WISCONSIN
We've created additional guides below to help you in your search for the best and cheapest car insurance in Wisconsin:
Best Car Insurance Rates by Category in Wisconsin
Travelers offers the cheapest rates for four out of 10 driver categories in Wisconsin, including seniors, drivers with accidents and those with DUIs. GEICO provides competitive rates in three categories, with the lowest prices for adult drivers and those with speeding tickets. Find your specific rates in the table:
| Young Drivers | Erie Insurance | $52 |
| Adult Drivers | Geico | $21 |
| Senior Drivers | Travelers | $40 |
| Drivers With An Accident | Travelers | $38 |
| Drivers With A DUI | Travelers | $41 |
| Drivers With A Speeding Ticket | Geico | $26 |
| Drivers With Bad Credit | West Bend Mutual | $59 |
| Drivers With Low Income | West Bend Mutual | $46 |
| Drivers With Newer Cars | Travelers | $28 |
| Drivers With Old Cars | Geico | $18 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16- to 25-year-olds, adults 26- to 64-year-olds and seniors 65 and older.
Compare the Cheapest Car Insurance in Wisconsin for You
The tables above show overall winners, but your cheapest option depends on your situation. For example, West Bend Mutual offers the lowest rates at $163 monthly for drivers with poor credit and an accident who want 100/300/100 full coverage with a $1,000 deductible. Filter the table to match your exact situation:
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $80 | $963 | -41% | $-670 |
| Auto Owners | $85 | $1,022 | -37% | $-612 |
| Geico | $99 | $1,192 | -27% | $-441 |
| Farm Bureau | $100 | $1,205 | -26% | $-428 |
| Erie Insurance | $114 | $1,369 | -16% | $-265 |
*Young drivers refer to 16- to 25-year-olds, adults 26- to 64-year-olds and seniors 65 years of age and older.
Cheapest Car Insurance in Wisconsin by City
GEICO offers the lowest rates in 19 of Wisconsin's 20 largest cities. Travelers beats GEICO only in Milwaukee at $39 monthly. Oshkosh has Wisconsin's lowest rate at $16 monthly through GEICO. Appleton and La Crosse tie at $17 monthly. Find your city's rates in the table below.
| Appleton | Geico | $17 | -44% | $-24 |
| Brookfield | Geico | $21 | -40% | $-24 |
| Eau Claire | Geico | $19 | -38% | $-21 |
| Green Bay | Geico | $19 | -42% | $-24 |
| Janesville | Geico | $19 | -41% | $-23 |
| Kenosha | Geico | $23 | -41% | $-29 |
| La Crosse | Geico | $17 | -46% | $-26 |
| Madison | Geico | $18 | -48% | $-30 |
| Menomonee Falls | Geico | $20 | -40% | $-25 |
| Milwaukee | Travelers | $39 | -38% | $-36 |
| New Berlin | Geico | $20 | -40% | $-24 |
| Oshkosh | Geico | $16 | -46% | $-25 |
| Racine | Geico | $23 | -42% | $-30 |
| Sheboygan | Geico | $18 | -39% | $-22 |
| Sun Prairie | Geico | $17 | -46% | $-27 |
| Waukesha | Geico | $20 | -39% | $-23 |
| Wausau | Geico | $18 | -44% | $-25 |
| Wauwatosa | Geico | $26 | -39% | $-30 |
| West Allis | Geico | $25 | -40% | $-30 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Wisconsin by Driver Age Group
We analyzed car insurance rates across Wisconsin for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65 and older). Here's what we found:
- Young drivers can get the lowest rates from Erie Insurance, starting at $52 per month
- Adult drivers find the best deals with GEICO, with rates from $21 per month
- Senior drivers see the most affordable coverage through Farm Bureau, beginning at $31 per month
Cheapest Car Insurance for Young Drivers in Wisconsin
Erie Insurance offers the lowest rates for young drivers in Wisconsin at $52 per month ($625 annually), about 50% below the state average. GEICO is also affordable at $59 per month, while Travelers and Farm Bureau fall in the $67 to $70 range. Auto-Owners averages $74 monthly, giving drivers multiple options for budget-friendly coverage.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Erie Insurance | $52 | $625 | -50% | $-617 |
| Geico | $59 | $707 | -43% | $-535 |
| Travelers | $67 | $800 | -36% | $-442 |
| Farm Bureau | $70 | $841 | -32% | $-401 |
| Auto Owners | $74 | $889 | -28% | $-353 |
*These rates reflect individual policies. Young drivers often pay less on a family policy than buying separate coverage. Wisconsin requires drivers under 18 to meet specific requirements and may need parental consent.
Cheapest Car Insurance for Adult Drivers in Wisconsin
Adult drivers in Wisconsin will find the cheapest coverage with GEICO, averaging $21 per month ($249 annually), about 44% less than the state average. Other low-cost options include Farm Bureau at $25 per month and Erie Insurance at $26 monthly. Auto-Owners and Travelers both come in at $29 per month, offering additional affordable alternatives.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Geico | $21 | $249 | -44% | $-199 |
| Farm Bureau | $25 | $298 | -33% | $-149 |
| Erie Insurance | $26 | $312 | -30% | $-136 |
| Auto Owners | $29 | $346 | -23% | $-102 |
| Travelers | $29 | $349 | -22% | $-98 |
Cheapest Car Insurance for Senior Drivers in Wisconsin
Senior drivers in Wisconsin save the most with Farm Bureau, offering coverage at $31 per month ($366 annually), which is 42% cheaper than the state average. GEICO and Erie Insurance follow at $37 and $39 per month, while Travelers averages $40 monthly. Auto-Owners is slightly higher at $47 per month.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Farm Bureau | $31 | $366 | -42% | $-268 |
| Geico | $37 | $443 | -30% | $-191 |
| Erie Insurance | $39 | $468 | -26% | $-166 |
| Travelers | $40 | $480 | -24% | $-154 |
| Auto Owners | $47 | $562 | -11% | $-72 |
Cheapest Car Insurance for High-Risk Drivers in Wisconsin
Your driving record heavily impacts Wisconsin car insurance rates. Clean records get the lowest premiums. Violations (speeding tickets, accidents, DUIs, texting while driving) raise costs significantly. The table shows the cheapest providers for each violation type.
- Cheapest for Bad Credit: West Bend Mutual (From $58/mo)
- Cheapest With a DUI: Travelers (From $41/mo)
- Cheapest With an Accident: GEICO (From $32/mo)
- Cheapest With a Speeding Ticket: GEICO (From $26/mo)
- Cheapest With a Texting While Driving Violation: GEICO (From $24/mo)
Cheapest Car Insurance for Bad Credit in Wisconsin
Drivers with poor credit in Wisconsin can find the lowest rates with West Bend Mutual, averaging $58 per month ($698 annually), nearly 47% cheaper than the state average. Other competitive options include Erie Insurance at $87 per month and GEICO at $91 per month. Acuity averages $95 monthly, while Farm Bureau comes in at $99.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| West Bend Mutual | $58 | $698 | -47% | $-620 |
| Erie Insurance | $87 | $1,042 | -21% | $-277 |
| Geico | $91 | $1,088 | -17% | $-230 |
| Acuity | $95 | $1,144 | -13% | $-175 |
| Farm Bureau | $99 | $1,186 | -10% | $-132 |
Cheapest Car Insurance With a DUI in Wisconsin
Travelers provides the cheapest coverage for drivers with a DUI at $41 per month ($494 annually), about 37% below the state average. GEICO is next at $47 per month, followed by Erie Insurance at $52. Auto-Owners and Progressive cost $61 and $62 monthly, respectively.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Travelers | $41 | $494 | -37% | $-287 |
| Geico | $47 | $566 | -28% | $-215 |
| Erie Insurance | $52 | $620 | -21% | $-161 |
| Auto Owners | $61 | $735 | -6% | $-46 |
| Progressive | $62 | $742 | -5% | $-39 |
Cheapest Car Insurance With an Accident in Wisconsin
Wisconsin drivers with an accident on record will find the lowest premiums from GEICO, averaging $32 per month ($379 annually), 43% below the state average. Farm Bureau follows closely at $33 monthly, while Auto-Owners averages $35. Travelers and Erie Insurance round out the list at $39 and $40 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Geico | $32 | $379 | -43% | $-287 |
| Farm Bureau | $33 | $391 | -41% | $-275 |
| Auto Owners | $35 | $421 | -37% | $-245 |
| Travelers | $39 | $463 | -31% | $-204 |
| Erie Insurance | $40 | $479 | -28% | $-187 |
Cheapest Car Insurance With a Speeding Ticket
GEICO charges $26 monthly ($316 annually) after a speeding ticket, 43% below the state average. Farm Bureau costs $27 monthly, Erie Insurance $28. Auto-Owners charges $33, Travelers $36.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Geico | $26 | $316 | -43% | $-238 |
| Farm Bureau | $27 | $325 | -41% | $-229 |
| Erie Insurance | $28 | $341 | -38% | $-213 |
| Auto Owners | $33 | $393 | -29% | $-161 |
| Travelers | $36 | $436 | -21% | $-118 |
Cheapest Car Insurance With a Texting While Driving Violation
Wisconsin drivers with a texting while driving violation can find the cheapest rates with GEICO, at $24 per month ($287 annually), about 51% below the state average. Farm Bureau and Erie Insurance are also affordable, averaging $27 and $28 monthly. Auto-Owners comes in at $29 per month, while Travelers costs $41.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Geico | $24 | $287 | -51% | $-298 |
| Farm Bureau | $27 | $325 | -44% | $-261 |
| Erie Insurance | $28 | $341 | -42% | $-245 |
| Auto Owners | $29 | $346 | -41% | $-240 |
| Travelers | $41 | $494 | -16% | $-92 |
How to Get the Cheapest Car Insurance in Wisconsin
Finding the cheapest insurer is just the start. Use these strategies to save the most on auto insurance.
- 1Compare insurers across the state
Wisconsin rates vary between cities. Milwaukee and Madison drivers pay more due to traffic and theft. Rural drivers pay less but should still compare quotes from national and regional insurers.
- 2Meet Wisconsin’s minimum requirements
Wisconsin requires 25/50/10 liability coverage plus 25/50 uninsured motorist protection. These limits meet legal requirements but won't cover serious accidents. Consider higher limits for better financial protection.
- 3Take advantage of Wisconsin-specific discounts
Ask about bundling, safe-driver programs and good student discounts. Telematics programs track your driving habits and can lower premiums. Rural drivers should ask about farm-vehicle or low-mileage discounts.
- 4Match coverage to local risks
Milwaukee drivers face higher accident and theft rates, so comprehensive and collision coverage pay off here. Rural drivers hit deer more often and drive on icy roads where comprehensive coverage protects against damage liability won't cover.
- 5Maintain a strong driver profile
Your driving record and credit score have the biggest impact on Wisconsin premiums. Avoid violations and build credit to lock in lower rates.
- 6Use WIAIP if denied coverage
The Wisconsin Automobile Insurance Plan provides liability coverage to high-risk drivers denied by standard insurers. These policies cost more, so use them only as a last resort.
Risks of Getting the Cheapest Car Insurance in Wisconsin
Wisconsin requires drivers to carry liability insurance with minimum coverage of 25/50/10. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $10,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Wisconsin, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Wisconsin gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against severe storms, flooding and hail that frequently hit Wisconsin.
Bodily injury damage is more likely to be higher than the minimum limits
Wisconsin's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Wisconsin reached $20,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Wisconsin has a serious uninsured driver problem, with 13% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you could end up paying steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Wisconsin, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Wisconsin
Wisconsin law requires drivers to carry liability insurance to legally operate a vehicle. The state follows an at-fault system, which means the driver who causes an accident is responsible for damages. Policies must include bodily injury and property damage liability, and insurers must also provide uninsured motorist coverage. These limits keep you compliant, but many drivers choose higher coverage for added protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $65,000 per accident |
Property Damage Liability | $15,000 per accident |
Personal Injury Protection (PIP) | $3,000 minimum per person |
Cheap Car Insurance in Wisconsin: Bottom Line
GEICO offers the lowest car insurance rates in Wisconsin for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Wisconsin: FAQ
Below, we answer common questions about affordable car insurance in Wisconsin to help you find the best rates.
What are the cheapest car insurance companies in Wisconsin?
GEICO provides the most affordable car insurance in Wisconsin, with average annual rates of $240 for minimum coverage and $636 for full coverage. Travelers, Erie, Farm Bureau and Auto-Owners also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Wisconsin?
Erie provides the most affordable rates for young drivers in Wisconsin, with monthly premiums starting at $52 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Wisconsin?
Travelers offers senior drivers 65 and older the lowest rates in Wisconsin at $40 monthly for minimum coverage.
Who has the cheapest car insurance in Wisconsin for bad credit?
West Bend Mutual charges bad-credit drivers $59 monthly for minimum coverage, the lowest rate in Wisconsin.
Who has the cheapest car insurance in Wisconsin with a DUI?
Travelers charges $41 monthly for minimum coverage and $90 for full coverage after a DUI, the cheapest rates in Wisconsin.
Who has the cheapest car insurance in Wisconsin for those with a speeding ticket?
GEICO charges drivers with a speeding ticket $26 monthly for minimum coverage and $76 for full coverage, for Wisconsin's lowest rates.
Should you buy the cheapest car insurance in Wisconsin?
The cheapest insurance saves money now but may leave you exposed to major losses. GEICO offers low rates and solid coverage options, a good balance for most Wisconsin drivers.
How We Found the Most Affordable Car Insurance in Wisconsin
Wisconsin's car insurance market varies by location. Milwaukee drivers pay nearly double what rural drivers pay due to traffic density and theft rates. We gathered quotes from every Wisconsin ZIP code rather than relying on statewide averages that hide these crucial price differences. Our analysis included more than 200 million rate comparisons from 12 major insurers across all residential areas to identify which companies offer the lowest rates for specific driver profiles and locations.
Data Sources and Research Scope
We collected rate data from the Wisconsin Department of Insurance and Quadrant Information Services. We analyzed quotes from national carriers like GEICO and Travelers plus regional insurers serving Wisconsin communities. Each company needed sufficient ZIP code coverage across the state to qualify for our analysis.
Sample Driver Profiles
Our baseline profile used a 40-year-old male with good credit, a clean driving record and 12,000 annual miles in a 2012 Toyota Camry LE. This driver held a valid license, maintained continuous coverage and had no claims history.
We tested how rates change across different situations: young drivers (16-25), adults (26-64), seniors (65+), plus drivers with violations like speeding tickets, at-fault accidents and DUIs. We also analyzed how credit quality affects pricing since Wisconsin allows credit-based insurance scoring.
Coverage Levels Analyzed
We evaluated both minimum and full coverage policies. Minimum coverage quotes matched Wisconsin's legal requirements: 25/50/10 liability plus 25/50 uninsured motorist protection.
Full coverage quotes used 100/300/100 liability limits plus comprehensive and collision coverage with a $1,000 deductible. These higher limits provide better financial protection than state minimums, which often prove insufficient after serious accidents.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed November 5, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed November 5, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed November 5, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed November 5, 2025.