The Cheapest Car Insurance in Wisconsin for 2022

Looking for the cheapest car insurance policies in Wisconsin requires a careful comparison of the best rates and coverage. In Wisconsin, MoneyGeek found that GEICO has the most affordable rates. You can save up to $1,021 by shopping around.

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Though GEICO has the most affordable rates in general, this doesn’t necessarily mean they have the lowest premiums for your driver profile. For instance, drivers with a DUI or an at-fault accident can often find better offers from American Family. On the other hand, Erie manages to lower costs for drivers with a ticket on their record. Eligible military members and their families can find the most affordable options from USAA.

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Cheapest Minimum Liability Car Insurance in Wisconsin

Keeping yourself protected from the many risks involved with driving should be a top priority for anyone who drives in Wisconsin. One of your biggest decisions when shopping for car insurance is deciding how much coverage you need. The cheapest option in Wisconsin is a liability-only policy that meets the state’s minimum requirements. While this is the most affordable coverage, it may not be the best choice for everyone due to its low coverage limits.

Here are the top two companies in Wisconsin with the cheapest liability coverage:

  • GEICO: $311 per year
  • AAA: $316 per year

USAA has the lowest average price point of $201 per year, but its policies are only available for military members and their families.

Cheapest Minimum Car Insurance in Wisconsin
  • Company
    Annually
    Monthly
  • 1.
    $201
    $17
  • 2.
    $311
    $26
  • 3.
    $316
    $26
  • 4.
    $343
    $29
  • 5.
    $373
    $31

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

While full coverage car insurance will cost more than the minimum liability-only option, full coverage provides a higher coverage level. Full coverage car insurance includes coverage for most road accidents and other risks in Wisconsin, thanks to its higher liability limits and inclusion of comprehensive and collision insurance. Therefore, the higher-priced car insurance quotes for a greater level of coverage are often worth the expense.

Here are the cheapest full coverage car insurance providers in Wisconsin:

  • GEICO: $631 per year
  • AAA: $726 per year

If you're a military member, USAA likely has the cheapest option at $432 per year on average. On the other hand, MetLife has the most expensive average full coverage premium available in Wisconsin, at $1,453 per year or about $121 per month.

Cheapest Full Coverage Car Insurance in Wisconsin

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.

Auto Insurance Calculator

State

Wisconsin

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$212

2.

AAA

$299

3.

GEICO

$345

4.

Erie

$357

Cheapest Car Insurance for Drivers With a DUI in Wisconsin

People with DUI convictions are riskier for insurance companies to cover. That’s why they are required to pay higher fees. Rates for people with DUIs are roughly 104% higher than rates for a driver with no violations.

Here are the cheapest providers for drivers with a DUI in Wisconsin:

  • American Family: $787 per year
  • State Farm: $850 per year

For military families, USAA is probably the most affordable option. Its coverage for drivers with a DUI averages $763 annually.

Average Car Insurance Rates With a DUI

1,928 people died in Wisconsin in motor vehicle crashes that involved an alcohol-impaired driver from 2009-2018 and 2.4% of adult drivers in Wisconsin admitted to driving after having too much to drink in the last 30 days. Even if you aren’t in an accident, being cited with a DUI (driving under the influence) will impact your car insurance, no matter where you live. However, the consequences — like how much your rates will go up and for how long — depend on your auto insurance provider.

Finding cheap car insurance with a DUI in Wisconsin is going to take some work; a DUI will cause your rates to skyrocket, and you’ll likely see an increase overnight. However, requesting free car insurance quotes from the top-rated auto insurance companies in Wisconsin will help get a lower rate.

Cheapest Car Insurance in Wisconsin for Drivers With an At-Fault Accident

Drivers with an at-fault accident on their records pay an average of $1,410 per year for auto insurance in Wisconsin. This is significantly higher than the rate for drivers with clean records due to the higher level of risk for the insurer.

If you’re a driver in Wisconsin with an at-fault accident, these two car insurance companies offer the cheapest average rates:

  • American Family: $787 per year
  • State Farm: $923 per year

Military members with bad driving records should look at policies from USAA as it offers an even cheaper average rate of $588 per year.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Wisconsin

Drivers with a history of minor violations tend to pay higher rates to insurance providers, paying an average of 32% more than a driver with a clean record.

Here is the cheapest insurance for drivers with tickets in Wisconsin:

  • Erie: $759 per year
  • American Family: $787 per year

If you or a family member are in the military, USAA's average rate of $503 per year is probably your cheapest option.

Average Car Insurance Rates With a Ticket

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 Companies in Wisconsin for Drivers With Bad Credit

Drivers with higher credit scores pay higher rates due to their increased risk for insurance companies. Drivers with bad credit pay an average of 88% more than drivers with good credit.

The cheapest insurance providers with full coverage for drivers with bad credit in Wisconsin are:

  • GEICO: $933 per year
  • American Family: $1,278 per year

USAA's average rate of $761 per year is the most affordable option, but it's only available for military families.

Average Car Insurance Rates for Drivers With Bad Credit

Did you know that your credit score can impact your car insurance rates? In 2019, Wisconsin residents had an average credit score of 725, 22 points above the national average. However, if your credit score is just “fair” or “very poor,” your insurance rates could suffer as a result. Many insurance companies believe that your credit score is a reflection of your financial responsibility and losses. Therefore, companies are more likely to increase your insurance rates if you have bad credit.

Insurance rates vary for drivers with bad credit because Wisconsin auto insurance companies look at other factors like driver age, gender and driving history alongside your credit score. To find cheap car insurance with bad credit in Wisconsin, start by understanding what impacts your credit score and how you can improve it. Then chat with a few insurance providers about how they use credit scores when determining rates and ask if they will reevaluate once your credit improves.

Cheapest Car Insurance in Wisconsin for Seniors

Seniors often pay more than younger drivers due to age-based risk factors. This is a way for insurance companies to mitigate the risks associated with aging drivers.

The cheapest full coverage insurance providers for senior drivers in Wisconsin are:

  • State Farm: $760 per year
  • American Family: $789 per year

Once again, if you're a military member, USAA has the cheapest average annual rate of $479.

Average Car Insurance Rates for Seniors

While seniors tend to have more driving experience and often practice safer driving habits than other demographics, they also face a unique set of challenges that come with aging. Senior drivers tend to experience difficulties with vision, reflexes, and attention behind the wheel. In 2017, 15.7% of drivers involved in fatal crashes in the state of Wisconsin were 65 years of age or older. Because of their increased risk for accidents and fatalities, Wisconsin auto insurance companies often increase rates for senior drivers.

When shopping for cheap car insurance for seniors in Wisconsin, remember that car insurance companies consider the driver’s age, gender, and previous driving history. Be sure to ask about safe driver discounts for seniors, too.

Cheapest Car Insurance in Wisconsin for Young Drivers

Young drivers typically pay high rates for auto insurance due to their inexperience behind the wheel. A 25-year-old driver, for example, may only need to pay an average annual premium of $1,135. However, a 16-year-old’s average rate in Wisconsin is more than twice as high, at $2,699 per year.

Among the top car insurance companies in Wisconsin, GEICO offers the cheapest car insurance policies for most young drivers, with low rates for drivers aged 16–25.

Annual Car Insurance In Wisconsin for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $2,699
    Progressive
    $1,716
  • 17
    $2,521
    GEICO
    $1,686
  • 18
    $2,379
    GEICO
    $1,538
  • 19
    $2,475
    GEICO
    $1,558
  • 20
    $2,133
    GEICO
    $1,378
  • 21
    $1,632
    GEICO
    $961
  • 22
    $1,478
    GEICO
    $863
  • 23
    $1,353
    GEICO
    $746
  • 24
    $1,260
    GEICO
    $706
  • 25
    $1,135
    GEICO
    $632

If you are planning to add your teen to your policy, make sure you understand how this impacts your rates. Insurance providers charge more for teens and young adults because they have less experience behind the wheel.

To find cheap car insurance for your teen driver, choose a safe car, ask your insurance provider if they offer discounts for students and look into teen driver programs.

Insurance Rate Information for Military Drivers and Veterans

You can get a discount on car insurance if you're one of the 970+ active-duty military personnel living in Wisconsin or one of the many veterans who call the Badger State home. Getting a military discount is usually no more involved than presenting your military ID or veteran's card, though that doesn't mean you should take the first price quote you get. Shopping around for free car insurance quotes is the best way to save money on auto insurance since insurance companies routinely look at other factors like your driving history and credit record before coming up with a price quote.

Wisconsin's current minimum insurance requirements are outlined here by the state's department of transportation. In Wisconsin, military personnel can renew their registration online, in person or get a family member or friend to do it. If you're on active duty and won't be using your car, you can receive a credit on your registration fee for up to 12 months.

Average Rates for Wisconsin service members

male
25 years$1,135
50 years$909
female
25 years$1,042
50 years$898

Car Insurance in Wisconsin: What You Need to Know

All Wisconsin motor vehicle owners are required to buy at least the minimum liability coverage required by the state.

Proof of Insurance in Wisconsin

You don't need to show proof of insurance to register a vehicle, but you need to have it with you when you're driving. You'll have to produce your insurance card or a digital copy on a smartphone in these cases:

  • If a police officer asks for it
  • If you're in an accident

Most insurance verification in Wisconsin occurs when a police officer pulls over a driver. Insurance examiner Drew Hopkins says the state insurance office would prefer to verify insurance before the DMV registers a vehicle for legal use. "It's too late after an accident occurs to find out a driver isn't covered," he says.

Minimum Liability Insurance Requirements in Wisconsin

Wisconsin sets out minimum requirements for auto insurance on all registered vehicles. The amounts required by law are as follows:

  • $10,000 for property damage
  • $25,000 for one injury or death
  • $50,000 for multiple injuries or death

The state also requires uninsured motorists' bodily injury coverage (also at limits of $25,000/$50,000).

High-Risk Auto Insurance Program in Wisconsin

High-risk auto insurance programs provide coverage for high-risk drivers who cannot get insured through standard Wisconsin auto insurance companies. These programs often offer premiums at a higher price, so shopping around for car insurance quotes before committing to a plan can help you find the best rate.

Alternatives to Insurance in Wisconsin

Wisconsin drivers can skip insurance requirements by posting a $60,000 bond or cash deposit per vehicle with the state. If an accident costs you more than that, though, you'll have to come up with the remaining amount.

How Much Coverage Do You Need in Wisconsin?

According to the Insurance Information Institute, experts recommend that you get liability insurance with coverage of $100,000 per injury and $300,000 or more per accident. You may also want to consider uninsured motorist insurance, which will protect you if someone without insurance hits you.

If you have a newer vehicle and can afford the premiums, collision and comprehensive coverage could be an excellent investment. Unlike collision insurance, which covers car repairs or replacement after an accident, comprehensive coverage pays if your vehicle is hit by a deer, stolen or damaged in a natural disaster.

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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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 details on car insurance in Wisconsin, MoneyGeek received expert advice from proven professionals. The perspectives and sentiments conveyed 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

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About the Author


expert-profile

Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than six years of professional marketing and communications experience working with clients in finance, insurance, non-profit, international education, travel, food and beverage, consumer packaged goods, higher education and politics.

Nicole earned her bachelor of arts degree in psychology from the University of Oregon. She uses her knowledge of human psychology to create content that captures consumers' attention. Her expertise and passion lie in social media management and content curation for blogs and websites in these industries.


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