The Cheapest Car Insurance in Wisconsin for 2022

GEICO has the cheapest car insurance in Wisconsin, with a yearly premium of $318 for a policy with the minimum required coverage.

MoneyGeek compared rates from 12 Wisconsin auto insurance providers to identify the most affordable options for different driver needs. Although GEICO is the cheapest overall, State Farm offers the best value for older drivers. Wisconsin drivers might save $909 yearly by comparing insurance quotes from different companies.

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Last Updated: 12/1/2022
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MoneyGeek categorized the cheapest insurance companies in Wisconsin by city if you are looking for tailored rates based on where you live. MoneyGeek also looked at Wisconsin's best insurance companies that balance customer service and affordability..

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Methodology

Why Trust MoneyGeek? Wisconsin car insurance rates in this study are based on our analysis of data and information from the Wisconsin Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in Wisconsin have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Wisconsin

Liability-only insurance, which covers the state's minimum requirements, is the most affordable option for drivers in Wisconsin. This coverage only pays for damages and injuries to others in an accident you have caused. It shields you against lawsuits resulting from accidents that cause bodily injury or property damage to the other person.

For minimum coverage, MoneyGeek's analysis found that the following companies offer the most affordable insurance in Wisconsin:

  • GEICO: $318 per year
  • AAA: $323 per year

USAA is Wisconsin's cheapest overall auto insurance provider at an average annual rate of $206. However, its policies are only available to current and former military personnel and their families. Allstate's minimum coverage is the most expensive car insurance at an average cost of $828 per year.

Keep in mind that these are only estimates based on rates for the state's average driver. Your age, driving profile, credit score and other factors may significantly impact your premiums.

CHEAPEST MINIMUM CAR INSURANCE IN WISCONSIN

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These prices are only estimates based on rates for an average Wisconsin driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Wisconsin

For complete protection against accidents, a full coverage policy with comprehensive and collision insurance and higher liability limits is ideal. However, it is more expensive because of the additional coverage.

Based on MoneyGeek's comparison of auto insurance quotes, companies that offer the cheapest full coverage insurance in Wisconsin are:

  • GEICO: $645 per year
  • AAA: $743 per year

The state's cheapest option for full coverage insurance is USAA at an average cost of $442 per year, but it is only accessible to military families and veterans. On the other hand, Allstate has the highest average annual rate for full coverage insurance, at $1,351.

CHEAPEST FULL COVERAGE CAR INSURANCE IN WISCONSIN

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This data is based on $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 for property damage coverage per accident.

How to Compare Cheap Wisconsin Car Insurance Quotes Online

Most companies are transparent in showing the exact prices of their insurance policies online. Take advantage of this feature to determine the provider that will offer you the cheapest rates:

  • Create a benchmark for your needs. (Example: An insurance company offers $100,000 in bodily liability insurance per accident. You should compare this policy with policies offering equivalent coverage levels.)
  • If you want to know car insurance rates for your profile, you may use MoneyGeek’s car insurance calculator without entering your personal information. However, you may need to enter more details for a personalized quote.
  • It is best for Wisconsin residents to compare policies from GEICO and AAA, as they typically offer the cheapest packages in this state.

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Cheapest Car Insurance in Wisconsin for Young Drivers

Generally, young drivers are more likely to file insurance claims. Car insurers view young drivers as high risk, making them pay higher premiums. For instance, the average cost of auto insurance for a 16-year-old driver in Wisconsin is $2,761 per year. A 25-year-old driver pays roughly $1,161 for similar coverage.

MoneyGeek evaluated insurance policies for Wisconsin drivers between the ages of 16 and 25. We found that Progressive offers the cheapest insurance for drivers aged 16. Meanwhile, GEICO provides the most affordable coverage for drivers between the ages of 17 and 25.

ANNUAL CAR INSURANCE IN WISCONSIN FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $2,761
    Progressive
    $1,755
  • $2,579
    GEICO
    $1,725
  • $2,434
    GEICO
    $1,574
  • $2,532
    GEICO
    $1,594
  • $2,183
    GEICO
    $1,410
  • $1,669
    GEICO
    $983
  • $1,512
    GEICO
    $882
  • $1,384
    GEICO
    $763
  • $1,289
    GEICO
    $722
  • $1,161
    GEICO
    $647

The average rates for drivers of various ages show significant disparities. In Wisconsin, Progressive offers the cheapest rate for 16-year-olds at $1,755 per year, while GEICO's annual average of $647 is the most affordable for 25-year-olds. According to our calculations, a nine-year age difference results in a $1,108 increase in car insurance costs.

Cheapest Car Insurance in Wisconsin for Seniors

Seniors pay more for car insurance than the average adult does. The average annual cost of auto insurance for seniors in Wisconsin is $1,020, compared to $955 for average adult drivers.

The cheapest car insurance companies for Wisconsin's senior drivers who require full coverage insurance are:

  • State Farm: $777 per year
  • American Family: $807 per year

USAA's plans, which are the state's overall lowest rates at $490 per year, are exclusive to military personnel and their families.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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Since insurance rates increase with age, even seniors with spotless driving records may see their premiums rise over time. The average premium for a senior driver in Wisconsin is $1,020 per year.

Senior drive may be able to save money on insurance rates by comparing quotes from multiple car insurers. According to our data, Wisconsin seniors could save up to $664 annually by choosing the state's cheapest company.

Cheapest Car Insurance for Drivers With Tickets in Wisconsin

Even if your record has minor traffic violations, car insurance rates may be higher. The average annual rate for drivers with speeding tickets is $1,259, compared to roughly $955 for drivers without violations.

The most affordable full coverage auto insurers in Wisconsin for drivers with speeding tickets are:

  • American Family: $805 per year
  • GEICO: $809 per year

For Wisconsin drivers with a military background and a DUI on their record, USAA is the cheapest insurer overall, with an average annual rate of $515. AAA is the most expensive company for a driver with a speeding ticket on their record, averaging as high as $1,859.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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According to the National Highway Traffic Safety Administration’s Fatality Analysis Reporting System, 530 crashes in Wisconsin in 2018 were a result of distracted driving. A distracted driving ticket can cover many things, such as texting behind the wheel to applying makeup or driving with a pet on your lap, but the bottom line is that you were not paying attention to the road. A traffic violation will likely increase your insurance premium, even if you’re not involved in an accident, but the impact is dependent on your insurance provider and previous driving history.

A ticket will most likely impact your insurance rates, but for how long and by how much depends on your auto insurance provider. When shopping for cheap car insurance in Wisconsin with a ticket on your record, we recommend talking to at least three insurance providers and comparing car insurance quotes to find your best rate.

Cheapest Car Insurance for Drivers With a DUI in Wisconsin

Drivers with a history of serious driving violations like driving under the influence (DUI) are considered "high risk." As a result, insurers quote them higher premiums. The average yearly premium for drivers in Wisconsin with a DUI conviction is $1,943, while drivers with a clean record pay only $955.

The cheapest full coverage car insurance providers for drivers with a DUI in Wisconsin are:

  • American Family: $805 per year
  • State Farm: $870 per year

Military members can get the state's cheapest insurance from USAA at an annual average of $781. If you choose the most expensive option, AAA, your annual rates might go up to $4,809 per year.

AVERAGE CAR INSURANCE RATES WITH A DUI

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In the state of Wisconsin, DUI convictions may result in penalties, jail time or even a license suspension. You should also expect to pay higher annual insurance costs.

If you've been charged with a DUI in Wisconsin, it's wise to compare rates from different insurers. For example, shopping around could save you at least $4,004 per year.

Cheapest in Wisconsin for Drivers With an At-Fault Accident

Your driving record greatly affects your car insurance prices in Wisconsin. Drivers with a clean driving record pay $955 per year. In contrast, individuals with an at-fault accident record pay an annual average of $1,513 on car insurance.

For drivers with a history of an at-fault accident in Wisconsin, the following companies offer the most affordable auto insurance:

  • American Family: $805 per year
  • State Farm: $944 per year

Those eligible for USAA policies may pay $601 per year — the cheapest option for DUI offenders. Allstate, the most expensive insurance provider in the state, quotes as high as $2,235 on average.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance in Wisconsin for Drivers With Bad Credit

For Wisconsin drivers with a military background and a DUI on their record, USAA is the cheapest insurer overall, with an average annual rate of $515. AAA is the most expensive company for a driver with a speeding ticket on their record, averaging as high as $1,859.

According to MoneyGeek's data, Wisconsin drivers with poor credit pay about $1,662 in annual premiums.

The following companies offer the cheapest full coverage policy in Wisconsin for drivers with bad credit:

  • GEICO: $954 per year
  • American Family: $1,307 per year

USAA offers the cheapest plans for drivers with poor credit, with an annual average rate of $779, but exclusively to military families. Allstate is the most expensive in the city, at an average of $2,199 per year.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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Note that your premiums may be higher if your credit score is lower than the state's average. If you have bad credit, you could save money by shopping around. For instance, there is a $1,245 difference between the state's cheapest insurer for drivers with poor credit and the most expensive policy.

To qualify for lower premiums, you must improve your credit rating. Consider choosing the cheapest provider and utilize the money you save to pay off your liabilities. Your credit score will improve in the long run, and your premiums will reduce, allowing you to save more money.

Cheapest Car Insurance in Wisconsin for Military Drivers

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MoneyGeek Top Pick
USAA
  • Average rate: $206 per year
  • Ranks cheapest out of 12 insurers

USAA offers Wisconsin's most affordable car insurance for veterans, active military members and their families. Overall, it is also the cheapest of the 12 insurers we compared. According to MoneyGeek's review, USAA costs up to $112 less than GEICO, the cheapest widely-available insurer.

Cheapest Car Insurance in Wisconsin by City

Car insurance costs also vary based on your location within the state, specifically on which city you live in. Drivers in Green Bay pay an average premium of $630 per year for full coverage. This is the cheapest among the cities in the state. Drivers in Milwaukee, however, pay the most expensive car insurance rates at an average of $1,099 per year.

Click on your city to see the average car insurance rates in your area.

AVERAGE INSURANCE RATE BY CITY IN WISCONSIN

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Car Insurance in Wisconsin: What You Need to Know

Wisconsin law requires you to purchase auto insurance after registering your vehicle. You must not drive without proof of insurance or face legal consequences.

Wisconsin Insurance Requirements

In compliance with Wisconsin's auto insurance requirements, policies should carry 25/50/10 liability coverage. That means your insurance must have a minimum coverage of $25,000 in bodily injury per person, up to $50,000 per accident and $10,000 in property damage.

In the event of an accident, policyholders may be able to avoid paying out-of-pocket fees if sued. Most experts recommend purchasing a policy that pays $100,000 for injuries per person and $300,000 per accident.

While getting the minimum insurance required is the cheapest option, it may not always be the best. You should consider purchasing collision and comprehensive coverage if you own an expensive car. Collision insurance covers damage from other vehicles and contact with stationary objects like trees or utility poles. In contrast, comprehensive insurance covers damage to your vehicle caused by reasons other than a collision, such as theft, vandalism, fire and natural disasters.

Insurers in Wisconsin generally don't cover high-risk drivers because they don't meet the state's regulatory requirements. Such drivers can obtain policies at a higher cost through high-risk auto insurance programs. Therefore, comparing quotes before agreeing to a policy can help you get the cheapest possible deal.

By posting a $60,000 bond or cash deposit with the state of Wisconsin, drivers can bypass the state's insurance requirements. There may be additional expenses for damages caused by a catastrophic event. If the damages are severe, you will have to bear the costs that exceed your security deposit or bond.

FAQs About Car Insurance in Wisconsin

Many of the frequently asked insurance questions in this state revolve around pricing. Here are the answers to some of these common queries.

Expert Advice on Finding Cheap Car Insurance in Wisconsin

To help you find credible and accurate insight on car insurance in Wisconsin, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. What are the key factors drivers in Wisconsin should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Wisconsin take to find affordable car insurance?
Sampath Kumar
Sampath Kumar

Professor of Marketing for the Austin E. Cofrin School of Business at UW-Green Bay

Sahar Bahmani
Sahar Bahmani

Professor of Finance at the University of Wisconsin, Parkside

Yongqing Wang
Yongqing Wang

Professor at the University of Wisconsin-Milwaukee

Greg Kuhlemeyer
Greg Kuhlemeyer

Professor of Business Finance at Carroll University

Bob Dummer
Bob Dummer

Insurance Agent at P&C Insurance Services

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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