Are you looking for the best car insurance in Wisconsin? MoneyGeek ranked the best, low-cost car insurance available in the state of Wisconsin based on value for the money, customer satisfaction, service and more. Remember that insurance premiums vary depending on a list of criteria, like the driver’s age, driving record and car make and model. We recommend getting multiple quotes and carefully comparing rates to get the best car insurance coverage in Wisconsin. MoneyGeek's rankings highlight a potential savings of $1,021 when comparing car insurance costs from affordable companies in Wisconsin.
The Best Cheap Car Insurance in Wisconsin for 2021
The Cheapest and Best 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:
- USAA: $201 per year (only available for current and former military members)
- GEICO: $311 per year
Average Cost for Minimun Liability Coverage
Allstate has the highest average price — at $809 per year or $67 per month — among the insurance companies in Wisconsin.
These prices are only estimates based on rates for an average Wisconsin driver and should not be used to compare insurance prices.
Please note that the prices indicated are average rates for each insurance company, intended for comparison purposes. Minimum liability coverage for Wisconsin includes bodily injury and property damage liability insurance, along with uninsured and underinsured motorist coverage.
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:
- USAA: $432 per year (only available for military members, veterans and their families)
- GEICO: $631 per year
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.
Average Comprehensive and Collision Rates 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.
The Best Car Insurance Companies in Wisconsin for 2021
Based on MoneyGeek’s study, here are the best car insurance companies in Wisconsin for 2021 for most drivers are:
- Best Overall: Erie
- Runner-up: The Hartford
USAA received the highest score in Wisconsin by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
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.
USAA has consistently topped the charts for Wisconsin car insurance providers because of its affordability and comprehensive coverage. However, its coverage is exclusive to current and former military members and their families.
USAA provides its members with the cheapest rates and best perks. The company has consistent insurance claims payment history in Wisconsin and around the country. A cash discount is also available if a member’s parents have existing USAA memberships. Current military members even get a discount when they choose to park their vehicle on base.Read MoneyGeek's USAA auto Insurance Review
Erie, the runner-up, has proven its reliability through its coverage for your personal belongings inside the vehicle. This personalized feature makes Erie a great choice for Wisconsin drivers.
Erie has a long-term loyalty discount for its customers in Wisconsin, allowing them to save significant amounts of money. For example, if you don’t file a claim for three years, your payments will automatically go down by $100 annually. Erie also has lock-in features that guarantee your prices will not change for a year unless you make changes to your policy.Read MoneyGeek's Erie auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Wisconsin
The largest insurance companies in Wisconsin are American Family (18.6%), Progressive (18.2%) and State Farm (14.5%). These figures represent the percentage of total policies each company has underwritten in Wisconsin. Market share often equates to financial stability, which is a major reason why so many people prefer to use large insurers.
- CompanyMarket Share
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.)
Enter your ZIP code below to find the best insurers based on your location.
It is best for Wisconsin residents to compare policies from USAA, GEICO and AAA, as they typically offer the cheapest packages in this state.
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
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:
- USAA: $763 per year (only available for military members, veterans and their families)
- American Family: $787 per year
USAA remains the cheapest provider for full coverage and DUI insurance, while American Family also has excellent rates for drivers with a DUI.
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.
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:
- USAA: $503 per year (only available for military members, veterans and their families)
- Erie: $759 per year
USAA remains the cheapest option for drivers with tickets, while Erie offers strong rates for drivers who don’t qualify for USAA coverage.
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.
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:
- USAA: $761 per year (only available for military members, veterans and their families)
- GEICO: $933 per year
Again, USAA is the cheapest option for drivers with bad credit, while GEICO provides an excellent option for drivers without a military background.
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.
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:
- USAA: $479 per year (only available for military members, veterans and their families)
- State Farm: $760 per year
Unsurprisingly, USAA is again the cheapest option in this category, while State Farm offers the most affordable option for non-military senior drivers in Wisconsin.
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.
Students usually pay higher rates than adults because of their inexperience behind the wheel. On average, students pay 158% more for their policies than a typical 40-year-old would pay for similar coverage.
The cheapest full coverage insurance providers for student drivers in Wisconsin are:
- GEICO: $1,752 per year
- Progressive: $1,753 per year
For students, it’s a tight competition between GEICO and Progressive, with only a dollar separating their average premiums for students.
Average Car Insurance Rates for Students
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.
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
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.
Average Insurance Rate by City in Wisconsin
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.
- What are the key factors drivers in Wisconsin should look for when searching for the best auto insurance coverage?
- What steps can drivers in Wisconsin take to find affordable car insurance?
Professor of Marketing for the Austin E. Cofrin School of Business at UW-Green Bay
Professor of Finance at the University of Wisconsin, Parkside
About the Author
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- Insurance Information Institute. "How Much Auto Coverage Do I Need?." Accessed March 14, 2020.
- National Association of Insurance Commissioners. "2018 Market Share Reports." Accessed March 14, 2020.
- National Highway Traffic Safety Administration. "Fatality Analysis Reporting System (FARS)." Accessed March 14, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts." Accessed March 14, 2020.
- State of Wisconsin Department of Transportation. "Minimum Insurance Requirements." Accessed March 14, 2020.