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Cheapest Car Insurance Companies and Quotes in Wisconsin

Protect yourself, your car and the people around you by getting the best and most affordable car insurance in Wisconsin. MoneyGeek created a list of insurance companies offering the cheapest annual premium for comprehensive and collision coverage for the average driver. Compare car insurance quotes from different companies to find the most affordable coverage for your needs.

Average Comprehensive and Collision Rates in Wisconsin

These prices are the average rates for the typical car owner and may vary from individual quotes. Insurance companies in the state of Wisconsin evaluate clients based on a set of criteria, which may include the vehicle type, the driver’s age, if you have a clean driving record and credit history, to name a few. Therefore, depending on your background, these rates may fluctuate.

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Cheapest Liability Car Insurance in Wisconsin

While some drivers might consider liability-only car insurance, this does not cover your own costs after an accident. Instead, it covers the costs of the other affected parties for medical expenses and damage repair. You can, however, choose to include comprehensive and collision coverage in your policy. Most states impose a minimum liability requirement and insurance companies offer optional higher levels of coverage for enhanced protection after an accident. In Wisconsin, the cheapest option for most drivers for the state minimum requirement would be GEICO. For a higher 50/100/50 level of coverage, the cheapest in most cases would be AAA.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Wisconsin for 2021

MoneyGeek’s ranking of the best and most affordable car insurance companies in Wisconsin is carefully evaluated to consider costs along with ratings and reviews from two reputable groups, J.D. Power and AM Best. J.D. Power is an industry leader in data analytics and consumer intelligence, while AM Best is well-known for providing credit ratings for insurance companies. MoneyGeek’s ranking also evaluated the average cost of car insurance to help you find the best companies at an affordable rate.

By evaluating customer satisfaction, the insurance company’s ability to pay claims and overall affordability, MoneyGeek gave a rating for each company with scores out of 100.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

ErieScore: 95
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A+

Financial Stability

3

United Farm Bureau of IN GroupScore: 92.5
+

5/5

User Satisfaction

4/5

Claims Ratings

5/5

Affordability

A

Financial Stability

4

HartfordScore: 87.5
+

4/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

Auto-Owners Insurance CoScore: 87.5
+

3/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A++

Financial Stability

6

GEICOScore: 87.5
+

3/5

User Satisfaction

2/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

7

Cincinnati Insurance CompaniesScore: 87.5
+

3/5

User Satisfaction

5/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

8

Country FinancialScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

9

State FarmScore: 85
+

4/5

User Satisfaction

3/5

Claims Ratings

4/5

Affordability

A

Financial Stability

10

Farm Bureau Ins of MIScore: 82.5
+

4/5

User Satisfaction

4/5

Claims Ratings

3/5

Affordability

A-

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

With 18.56% of the market share in Wisconsin, American Family is the largest auto insurance company in the state. Requesting auto insurance quotes from the largest companies in Wisconsin ensures that you’ll receive good coverage from a provider that understands your needs as a Wisconsin driver.

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

What Is the Average Cost of Car Insurance in Wisconsin?

There is no one-size-fits-all pricing model for car insurance premiums. Companies evaluate this depending on several varying factors, such as age, driving record and credit standing, to name a few. To give you an idea of the average cost of car insurance in Wisconsin, take a look at MoneyGeek’s sample quote below. Take note that this is based on the average Wisconsin driver, which MoneyGeek defines as a 40-year-old male driving a Toyota Camry. You will see that rates significantly fluctuate based on a client’s circumstance.

  • Average driver: $933
  • DUI: $1,899
  • Speeding ticket: $1,231
  • Bad credit: $1,750
  • 70-year-old: $997
  • Student: $2,405

Cheapest Car Insurance for Drivers With a DUI in Wisconsin

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.

Average Car Insurance Rates With a DUI

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 With Tickets in Wisconsin

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.

Average Car Insurance Rates With a Ticket

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

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.

Average Car Insurance Rates for Drivers With 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 Companies in Wisconsin 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.

Average Car Insurance Rates for Seniors

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 for Students in Wisconsin

Many parents add their high school and college students to their car insurance policy. 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. This is because they have less experience behind the wheel and are subsequently more likely to be in an accident.

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.

Average Car Insurance Rates for Students

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.

Car insurance companies use your location to calculate your rate.
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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?

    Ensure you have coverage beyond the state's minimum mandated levels. Wisconsin drivers should also make sure the auto insurance company has good J.D. Power and Consumer Report ratings.


Sampath Kumar
Sampath KumarProfessor of Marketing for the Austin E. Cofrin School of Business at UW-Green Bay

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About the Author


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Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than five years of professional marketing and communications experience working with clients in finance, travel, food and beverage, CPG, non-profit, higher education and politics. Her work has an emphasis on content writing, social media management, content and digital marketing.


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