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: August 18, 2025
Advertising & Editorial Disclosure
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% |
| Travelers | $29 | $59 | -31% |
| Erie Insurance | $26 | $74 | -21% |
| Farm Bureau | $26 | $77 | -19% |
| Auto Owners | $29 | $75 | -18% |
*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+ years of age.
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:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| West Bend Mutual | $163 | $1,960 | -47% |
| Auto Owners | $226 | $2,709 | -26% |
| Farm Bureau | $240 | $2,874 | -22% |
| Erie Insurance | $254 | $3,050 | -17% |
| Travelers | $259 | $3,111 | -15% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Wisconsin by City
Where you live in Wisconsin affects your insurance costs based on local crime, accidents and traffic density. GEICO charges as little as $21 in Abbotsford but costs vary across cities. Here are the cheapest providers for every Wisconsin city:
Data filtered by:Results filtered by:
Select
City:Abbotsford
| Abbotsford | Geico | $21 | -35% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Wisconsin
Finding the most affordable insurance company is just one part of getting the best car insurance rates in Wisconsin. Here are proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Quotes
Get quotes from several insurance companies through different channels. Contact independent agents, use comparison websites and check directly with providers to find the best rates. Your quotes will vary based on how you get them, so try multiple methods.
- 2
Determine Your Coverage Needs
Know what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring you have enough protection. Consider your state's requirements, vehicle value and personal financial situation when choosing coverage levels.
- 3
Consider Lower Coverage Options
Reducing your coverage amount can lower costs if that fits your budget and risk tolerance. Review your finances, driving habits and location carefully before making this choice.
- 4
Look for Insurance Discounts
Research average costs for drivers like you and ask about available discounts. Many insurers offer savings for bundling policies, safe driving records and security features in your car.
- 5
Explore Alternative Insurance Types
Look into pay-per-mile insurance if you don't drive much, or try telematics programs that track driving habits for potential savings. Some car manufacturers also offer their own insurance programs with competitive rates.
- 6
Work on Your Risk Profile
Build a better credit score and maintain a clean driving record to qualify for lower rates. Insurance companies view responsible drivers with good credit as lower-risk customers.
- 7
Choose a Cost-Effective Vehicle
If you're buying a car, pick one that's cheaper to insure. Older, reliable vehicles typically cost less to cover because they're less expensive to repair.
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'll face 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.
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?
Senior drivers in Wisconsin can find the most competitive rates with Travelers, offering policies for those 65 and older at an average of $40 per month for minimum coverage.
Who has the cheapest car insurance in Wisconsin for bad credit?
West Bend Mutual provides the most affordable rates for bad-credit drivers in Wisconsin, with monthly premiums averaging $59 for minimum coverage.
Who has the cheapest car insurance in Wisconsin with an accident?
Travelers offers the most affordable car insurance rates for Wisconsin drivers with an accident history, starting at $38 per month for minimum coverage.
Who has the cheapest car insurance in Wisconsin with a DUI?
Travelers provides the cheapest car insurance after a DUI in Wisconsin, with rates of $41 monthly for minimum coverage and $90 monthly for full coverage.
Who has the cheapest car insurance in Wisconsin for those with a speeding ticket?
Wisconsin drivers with a speeding ticket can find the lowest insurance rates with GEICO, charging $26 monthly for minimum coverage and $76 for full coverage.
Should you buy the cheapest car insurance in Wisconsin?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. GEICO balances low prices with solid coverage options in Wisconsin.
How We Found the Most Affordable Car Insurance in Wisconsin
MoneyGeek collected auto insurance data from the Wisconsin Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Wisconsin.
Wisconsin Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Wisconsin
We compared car insurance companies in Wisconsin that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Wisconsin.
The minimum coverage liability limits in Wisconsin are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $10,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 30, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 30, 2025.
- National Centers for Environmental Information . "Climate at a Glance: Statewide Time Series ." Accessed August 30, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 30, 2025.