Cheapest Car Insurance in Wisconsin 2025

Updated: May 3, 2026

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Wisconsin ranks ninth most affordable of 50 states at $87 a month for full coverage, 29% below the national average of approximately $122 a month (Quadrant Information Services). 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

Cheapest by city

Cheapest by driver age

Cheapest by driving record and credit score

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.

The national average full coverage rate used to derive the 29% below-average figure is approximately $122 a month, sourced from Quadrant Information Services. Gender is a rating factor in Wisconsin. Data are from Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Wisconsin

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. 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.

GEICO
$21
Farm Bureau
$25
Erie Insurance
$26
Auto-Owners
$29
Travelers
$29
GEICO
$55
Farm Bureau
$74
Erie Insurance
$74
Auto-Owners
$73
Travelers
$59

Cheapest Car Insurance by Age in Wisconsin

Travelers is the cheapest for young adult drivers at $148 a month on average across the 18 to 25 age range, $6 a month less than Erie at $154 a month. Travelers also leads for seniors at $79 a month. On family policies, GEICO is cheapest at ages 16 and 17, then Travelers takes over at 18 and holds through 25. The gender gap narrows from $18 a month at age 16 to $3 a month at age 25 as driving experience builds.

Teen rates drop from age 16 to 25. A 16-year-old girl on a family policy with GEICO costs $239 a month, dropping to $119 a month with Travelers by age 25, a $120 a month ($1,440 a year) reduction. Wisconsin's car insurance rates by age run below the national average, and the provider switch at age 18 is worth confirming at that birthday to capture Travelers' lower rate.

Open the dropdowns below to see full rate breakdowns for all ages 16 to 25 and for the top senior options.

Teen Drivers (16, Female, Family Policy)
GEICO
$239
Teen Drivers (16, Male, Family Policy)
GEICO
$257
Seniors (65+)
Travelers
$79

Cheapest Car Insurance in Wisconsin for High-Risk Drivers

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.

Profile
Cheapest Provider
Monthly Rate

Speeding Ticket

GEICO

$78

At-Fault Accident

Travelers

$84

DUI

Travelers

$91

Texting While Driving

GEICO

$69

Bad Credit

West Bend Mutual

$120

Cheapest Car Insurance in Wisconsin by City

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.

City
Cheapest Provider
Monthly Full Coverage Rates

Appleton

GEICO

$44

Eau Claire

GEICO

$51

Green Bay

GEICO

$48

Janesville

GEICO

$49

Kenosha

GEICO

$60

How to Get the Cheapest Car Insurance in Wisconsin

GEICO leads minimum coverage, full coverage, speeding tickets and texting violations in Wisconsin. Travelers leads at-fault accidents, DUI, young drivers and seniors. Choosing GEICO over the most expensive provider for full coverage saves over $100/month depending on driver profile, but the right provider shifts depending on violation history and age. Wisconsin's deer collision risk makes comprehensive coverage worth keeping for most drivers, and West Bend Mutual's credit-friendly rates make it a strong option that doesn't appear on all comparison platforms. Reviewing your provider choice at each renewal, rather than defaulting to the same insurer, produces the largest savings available to Wisconsin drivers.

  1. 1
    Use GEICO for clean records, Travelers for violations and age-based profiles

    GEICO is cheapest for minimum coverage, full coverage, speeding tickets and texting violations. Travelers leads at-fault accidents, DUI, young drivers and seniors. Running quotes from both at every renewal takes minutes and can produce savings of $50 to $100/month depending on how your profile has changed since the last policy term.

  2. 2
    Use West Bend Mutual for bad credit

    West Bend Mutual costs $120/month vs. GEICO at $206/month for drivers with bad credit, a $86/month difference ($1,032/year). West Bend Mutual may not appear on all comparison platforms, so get a direct quote from the insurer's website to confirm availability and current rates for your ZIP code.

  3. 3
    Switch providers at age 18 for family policies

    GEICO is cheapest at ages 16 and 17 on family policies, but Travelers takes over starting at 18. Staying with GEICO past that threshold costs more without any change in coverage. Re-quote both providers each year through age 25, when rates stabilize across most Wisconsin insurers.

  4. 4
    Use Travelers for senior drivers

    Travelers leads seniors at $79/month despite GEICO leading the adult full coverage category. Seniors who defaulted to GEICO based on prior quotes should compare Travelers directly before renewing, as the gap between the two widens with age in Wisconsin's dataset.

  5. 5
    Carry comprehensive for deer risk

    Wisconsin consistently ranks among the top states for deer-vehicle collisions, according to State Farm's annual deer-collision report. Comprehensive coverage pays for animal strikes, which collision coverage does not. How much car insurance you need in Wisconsin depends partly on whether your vehicle's value justifies the added premium, but for most drivers the deer risk alone makes dropping comprehensive a poor tradeoff.

  6. 6
    Bundle home and auto

    Bundling home and auto with the same provider reduces both premiums. MoneyGeek tracks the best home and auto bundle options in Wisconsin by total combined cost across insurers, which matters more than the discount percentage alone when the two policies start from different base price points.

  7. 7
    Know what Wisconsin's minimum coverage includes

    Wisconsin's mandatory MedPay covers first-party medical costs regardless of fault, a benefit most at-fault states don't require at the minimum level. Drivers comparing Wisconsin minimums to other states should account for this when evaluating whether the baseline coverage is sufficient.

  8. 8
    Consider non-owner coverage

    Drivers who borrow or rent vehicles regularly can maintain continuous liability coverage without owning a car through non-owner car insurance in Wisconsin, which also satisfies SR-22 requirements after certain violations.

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.

The national average full coverage rate used to derive the 29% below-average figure is approximately $122 a month, sourced from Quadrant Information Services. Gender is a rating factor in Wisconsin. Data are from Quadrant Information Services.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights — on products ranging from car, home and renters insurance to health and life insurance — have been featured in The Washington Post, The New York Times and NPR among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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