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In Wisconsin, AAA offers the cheapest car insurance for minimum and full coverage, senior drivers, military families and those with a traffic violation and poor credit. American Family comes out on top for the cheapest insurance for young adults and drivers with sports cars.

If you’re looking for options that balance cost and quality service, we found the companies that provide the best car insurance in Wisconsin.

MoneyGeek Logo IconCheapestCar InsuranceWisconsin
2023

Cheapest Car Insurance Wisconsin (April 2023)

Cheapest Minimum Liability Car Insurance in Wisconsin (April 2023)

On average, MoneyGeek found that the cheapest car insurance for a minimum coverage policy is from:

  • AAA: $184 per year
  • Acuity: $249 per year

Dairyland is the most expensive car insurance company for minimum coverage, with an average annual cost of $756.

Auto insurance that meets the state law’s minimum insurance requirements only offers bodily injury liability, property damage liability and uninsured motorist coverage.

Company
Annual Premium
Monthly Premium

AAA

$184

$15

State Farm

$238

$20

AAA

$242

$20

Acuity

$249

$21

GEICO

$250

$21

West Bend Mutual

$251

$21

State Farm

$252

$21

Nationwide

$259

$22

A minimum coverage policy only covers the cost of injuries or damages that you cause to others, but it doesn’t cover damages to your car. Consider getting comprehensive and collision insurance, also known as full coverage, if you want broader protection that will cover damages to your vehicle.

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Cheapest Full Coverage Car Insurance in Wisconsin (April 2023)

Based on our extensive research, the cheapest full coverage car insurance providers in Wisconsin are, on average:

  • AAA: $440 per year
  • American Family: $539 per year

Dairyland is the most expensive insurer for full coverage, charging $1,914 per year on average.

Adding comprehensive and collision coverage to your policy increases your annual premium. For instance, AAA’s full coverage option is around $256 more than its minimum coverage option.

Full coverage car insurance offers better financial protection. It not only covers damages due to on-road accidents but also off-road incidents.

Company
Annual Premium
Monthly Premium

AAA

$184

$15

State Farm

$238

$20

AAA

$242

$20

Acuity

$249

$21

GEICO

$250

$21

West Bend Mutual

$251

$21

State Farm

$252

$21

Nationwide

$259

$22

Your actual rates depend on how much car insurance you need. MoneyGeek’s sample full coverage policy has the following liability limits:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident

If you’re looking for ways to lower your premiums, you may consider lowering your liability limits, removing your comprehensive and collision coverage or raising your deductible. However, this will expose you to greater financial risks in the event of an accident.

How to Compare Cheap Wisconsin Car Insurance Quotes Online

Many auto insurance companies provide personalized quotes on their websites for free. However, completing the form can take up to 15 minutes. You’ll also have to repeat this process several times so you can compare quotes from multiple companies and find out the cheapest option.

MoneyGeek’s car insurance calculator can do the heavy lifting for you. Our free online tool helps you pick the most affordable insurer and gives you a quick estimate that is customized to your personal driver profile. You’ll get all these without having to provide specific personal information. It’s a great place to start your search.

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Cheapest Car Insurance in Wisconsin for Teens and Their Families (April 2023)

On average, the cheapest car insurance companies for teens on their parent’s policy in Wisconsin are:

  • Nationwide: $1,258 per year for male teens and $1,148 per year for female teens
  • GEICO: $1,477 per year for male teens and $1,379 per year for female teens

Kemper charges the highest premiums for teens on their parent’s policy, at average rates of $6,693 and $5,418 for male and female drivers, respectively.

Car insurance rates for teens significantly decrease as they age. In Wisconsin, GEICO ($1,091) offers the cheapest car insurance rates for 19-year-old males.

Generally, teen drivers pay lower premiums if they’re added to a parent’s policy vs. buying their own policy. For instance, the average 16-year-old Wisconsin male driver might have to pay $5,599 per year if they buy their own policy. Being added to a parent’s policy brings the cost down to around $2,396, which is a $3,203 difference.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

Travelers

$574

$823

Nationwide

$578

$1,040

Nationwide

$581

$1,135

Travelers

$591

$859

Nationwide

$612

$774

Allstate

$623

$2,710

Allstate

$623

$2,710

GEICO

$625

$919

Nationwide

$628

$832

GEICO

$630

$635

State Farm

$690

$735

GEICO

$697

$647

GEICO

$700

$705

Nationwide

$701

$886

GEICO

$704

$1,026

Travelers

$719

$1,030

GEICO

$722

$3,011

Nationwide

$723

$958

Nationwide

$732

$926

GEICO

$734

$3,060

Travelers

$742

$1,062

GEICO

$746

$752

Travelers

$753

$1,095

Nationwide

$761

$1,009

Travelers

$763

$1,235

State Farm

$768

$818

Nationwide

$774

$980

State Farm

$778

$829

GEICO

$783

$727

Travelers

$792

$1,135

Nationwide

$804

$1,065

Travelers

$810

$1,177

GEICO

$820

$761

Allstate

$821

$3,571

Allstate

$821

$3,571

State Farm

$838

$892

GEICO

$851

$3,079

Travelers

$870

$1,989

State Farm

$877

$1,072

Travelers

$878

$1,448

State Farm

$881

$938

GEICO

$889

$825

Travelers

$893

$1,298

Travelers

$895

$1,449

Nationwide

$900

$1,620

GEICO

$916

$924

GEICO

$924

$1,360

Nationwide

$928

$1,813

State Farm

$929

$990

Auto-Owners Insurance Co

$937

$871

Auto-Owners Insurance Co

$938

$871

GEICO

$966

$1,408

State Farm

$971

$1,034

Auto-Owners Insurance Co

$975

$906

Nationwide

$976

$2,152

State Farm

$1,008

$1,231

Auto-Owners Insurance Co

$1,012

$940

Nationwide

$1,024

$1,843

Farmers

$1,028

$969

Travelers

$1,039

$1,683

Auto-Owners Insurance Co

$1,041

$968

Travelers

$1,043

$1,721

GEICO

$1,045

$1,536

Travelers

$1,049

$2,452

Farmers

$1,059

$1,049

State Farm

$1,067

$1,300

Nationwide

$1,067

$2,485

Auto-Owners Insurance Co

$1,089

$1,297

Allstate

$1,090

$1,370

Allstate

$1,090

$1,370

GEICO

$1,091

$1,591

Allstate

$1,096

$1,095

Allstate

$1,096

$1,095

State Farm

$1,100

$1,172

Auto-Owners Insurance Co

$1,101

$1,022

Nationwide

$1,103

$2,155

Nationwide

$1,106

$2,437

Farmers

$1,108

$1,482

Auto-Owners Insurance Co

$1,122

$1,043

State Farm

$1,137

$1,390

Allstate

$1,141

$1,139

Allstate

$1,141

$1,139

Auto-Owners Insurance Co

$1,143

$1,121

Nationwide

$1,148

$2,530

State Farm

$1,152

$1,591

Progressive

$1,180

$1,674

Farmers

$1,193

$1,647

Allstate

$1,195

$1,193

Allstate

$1,195

$1,193

Progressive

$1,205

$1,233

Allstate

$1,206

$1,515

Allstate

$1,206

$1,515

Nationwide

$1,210

$2,818

Progressive

$1,211

$1,231

Travelers

$1,235

$2,037

Auto-Owners Insurance Co

$1,235

$1,147

Allstate

$1,254

$1,252

Allstate

$1,254

$1,252

Travelers

$1,255

$2,869

State Farm

$1,256

$1,531

Nationwide

$1,258

$2,930

Auto-Owners Insurance Co

$1,268

$1,244

Auto-Owners Insurance Co

$1,275

$1,519

GEICO

$1,302

$4,710

State Farm

$1,316

$1,818

Progressive

$1,330

$1,352

Farmers

$1,334

$4,072

Progressive

$1,343

$1,374

Progressive

$1,344

$1,928

Allstate

$1,355

$1,703

Allstate

$1,355

$1,703

Farmers

$1,376

$1,297

GEICO

$1,379

$5,751

Auto-Owners Insurance Co

$1,402

$1,376

Farmers

$1,407

$1,326

Farmers

$1,407

$4,439

Farmers

$1,408

$1,883

Progressive

$1,419

$1,442

Farmers

$1,427

$1,414

State Farm

$1,437

$1,752

State Farm

$1,467

$2,005

Farmers

$1,472

$1,458

GEICO

$1,477

$5,342

Farmers

$1,483

$2,046

Progressive

$1,486

$1,521

Auto-Owners Insurance Co

$1,492

$1,778

State Farm

$1,498

$2,070

Farmers

$1,500

$1,413

Travelers

$1,513

$3,458

Progressive

$1,521

$1,545

Kemper

$1,533

$1,620

Farmers

$1,543

$4,711

Travelers

$1,544

$3,610

Farmers

$1,558

$2,084

Auto-Owners Insurance Co

$1,573

$1,545

Farmers

$1,591

$1,576

Farmers

$1,631

$2,250

Farmers

$1,638

$5,168

Progressive

$1,652

$1,690

Auto-Owners Insurance Co

$1,676

$2,092

Progressive

$1,676

$5,517

State Farm

$1,677

$2,291

Progressive

$1,678

$2,380

Auto-Owners Insurance Co

$1,719

$1,688

Kemper

$1,731

$1,828

Auto-Owners Insurance Co

$1,802

$1,770

Allstate

$1,809

$7,872

Allstate

$1,809

$7,872

Kemper

$1,831

$1,935

Auto-Owners Insurance Co

$1,868

$2,331

Progressive

$1,890

$6,237

Travelers

$1,906

$4,455

State Farm

$1,910

$2,610

Progressive

$1,914

$2,746

Kemper

$1,918

$2,027

Progressive

$1,927

$2,734

Progressive

$1,945

$6,401

Farmers

$1,960

$5,983

Kemper

$2,034

$2,149

Auto-Owners Insurance Co

$2,043

$2,549

Farmers

$2,092

$6,598

Progressive

$2,139

$7,059

Kemper

$2,155

$2,275

Progressive

$2,159

$7,108

Kemper

$2,205

$2,380

Progressive

$2,213

$3,174

Kemper

$2,298

$2,427

Progressive

$2,379

$7,850

Kemper

$2,496

$2,635

Kemper

$2,607

$2,815

Kemper

$2,714

$2,919

Kemper

$2,863

$4,368

Kemper

$3,111

$3,359

Kemper

$3,205

$3,447

Kemper

$3,523

$5,361

Kemper

$3,618

$5,521

Kemper

$3,828

$4,117

Kemper

$4,461

$6,788

Kemper

$5,418

$8,267

Kemper

$6,693

$10,185

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Many insurance providers offer discounts for young drivers. According to our research, GEICO, Kemper, Nationwide, State Farm, Allstate, Auto-Owners Insurance, Farmers, Progressive and Travelers provide discounts for students with good grades. But Allstate, Auto-Owners Insurance, Farmers, Progressive and Travelers also provide distant student discounts.

Cheapest Car Insurance in Wisconsin for Young Adults (April 2023)

On average, we found that the cheapest car insurance providers for Wisconsin drivers in their 20s are:

  • American Family: $649 per year
  • GEICO: $651 per year

Dairyland charges the highest car insurance rates for young adults at $2,538 per year, on average.

Drivers in their 20s typically pay more for car insurance compared with middle-aged drivers. For example, the cheapest insurer, American Family, charges roughly $110 more each year to a 25-year-old driver than a 40-year-old driver for a full coverage policy.

Company
Annual Premium
Monthly Premium

AAA

$184

$15

State Farm

$238

$20

AAA

$242

$20

Acuity

$249

$21

GEICO

$250

$21

West Bend Mutual

$251

$21

State Farm

$252

$21

Nationwide

$259

$22

Cheapest Car Insurance in Wisconsin for Seniors (April 2023)

The cheapest car insurance providers for senior drivers in Wisconsin are, on average:

  • AAA: $498 per year
  • American Family: $569 per year

Dairyland is the most expensive insurer for seniors, at approximately $1,878 per year.

Depending on the insurer, seniors sometimes pay slightly more than middle-aged drivers. For instance, AAA is the cheapest insurer for 40-year-old drivers and charges a 65-year-old Wisconsin driver $58 more for the same coverage.

Additionally, most insurers tend to charge higher car insurance rates to drivers in their 70s and 80s.

Company
Annual Premium
Monthly Premium

AAA

$184

$15

State Farm

$238

$20

AAA

$242

$20

Acuity

$249

$21

GEICO

$250

$21

West Bend Mutual

$251

$21

State Farm

$252

$21

Nationwide

$259

$22

Senior drivers might be able to take advantage of discounts. For example, Allstate, American Family, Farmers, GEICO and Kemper provide senior discounts. However, this doesn’t necessarily mean that companies providing senior discounts automatically have the lowest rates. Age is just one of several factors that are used to calculate premiums.

Cheapest Car Insurance in Wisconsin After a Ticket, Accident or DUI (April 2023)

A traffic violation could cause your premiums to skyrocket. Insurers often view drivers with a history of violations as riskier to insure and more likely to file a claim. American Family is the most affordable insurance provider for drivers with at-fault accidents or DUIs on their record, whereas AAA is the cheapest option for those with tickets.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: AAA ($682 per year)

Cheapest after an accident: American Family ($605 per year)

Cheapest after a DUI: American Family ($717 per year)

Cheapest Car Insurance in Wisconsin After a Ticket

On average, Wisconsin drivers with a speeding ticket will find the lowest premiums for a full coverage policy from these companies:

  • AAA: $682 per year
  • American Family: $717 per year

Dairyland is the most expensive insurer, charging approximately $3,196 per year.

On average, you might pay $273 more on your car insurance after getting a ticket.

Company
Annual Premium
Monthly Premium

State Farm

$261

$22

Western National

$271

$23

State Farm

$276

$23

AAA

$280

$23

Western National

$282

$24

Erie

$288

$24

Erie

$292

$24

AAA

$299

$25

Cheapest Car Insurance in Wisconsin After an Accident

These insurers charge the lowest average full coverage rates to Wisconsin drivers with an at-fault accident on their driving records:

  • American Family: $605 per year
  • AAA: $738 per year

A full coverage policy from Dairyland is the most expensive option at approximately $3,473 per year.

We found that an at-fault accident could increase your premiums by up to $440.

Company
Annual Premium
Monthly Premium

Western National

$271

$23

Western National

$282

$24

State Farm

$285

$24

State Farm

$301

$25

Auto-Owners Insurance Co

$345

$29

AAA

$347

$29

American Family

$351

$29

American Family

$353

$29

Cheapest Car Insurance in Wisconsin After a DUI

On average, the following insurers are the cheapest options for full coverage car insurance if you have a DUI on your driving record:

  • American Family: $717 per year
  • State Farm: $736 per year

At around $2,739 per year, Dairyland is the most expensive insurer for drivers with a DUI.

We found that drivers with a DUI are charged approximately $466 more per year.

Company
Annual Premium
Monthly Premium

State Farm

$261

$22

Western National

$271

$23

State Farm

$276

$23

Western National

$282

$24

State Farm

$331

$28

Progressive

$396

$33

Chubb

$403

$34

American Family

$409

$34

Cheapest Car Insurance in Wisconsin for Drivers With Poor Credit (April 2023)

On average, these companies offer the cheapest car insurance rates to drivers with poor credit:

  • AAA: $565 per year
  • American Family: $605 per year

State Farm has the highest rates at an average annual premium of approximately $3,519 for a full coverage policy.

Generally, insurers consider those with lower credit scores as riskier to insure and charge them higher rates. We found that, on average, Wisconsin drivers with credit scores of 580 and below are charged $508 more than those with credit scores above 750.

Company
Annual Premium
Monthly Premium

AAA

$242

$20

AAA

$258

$22

Acuity

$263

$22

Western National

$271

$23

Acuity

$281

$23

Western National

$282

$24

Erie

$288

$24

Erie

$292

$24

Auto insurance providers found that those with lower credit scores are more likely to file claims and charge them higher rates. Although using credit scores as a basis for calculating premiums isn’t legal in all states, it is allowed in Wisconsin.

You can reduce your insurance rate by improving your credit score over time. You can also compare rates from multiple insurers and take advantage of common discounts.

Cheapest Car Insurance in Wisconsin for Sports Cars (April 2023)

The car insurance companies offering the cheapest full coverage rates for drivers with sports cars are, on average:

  • American Family: $567 per year
  • Travelers: $706 per year

At approximately $2,305 per year, Dairyland is the least affordable company for sports car drivers.

Generally, sports cars are more expensive to insure because they have higher repair and replacement costs compared with standard vehicles. For example, drivers with a Ford Mustang are charged an average annual premium of $1,076, whereas those with a Toyota Camry LE are only required to pay around $874 per year. That’s a difference of $203.

Company
Annual Premium
Monthly Premium

AAA

$184

$15

State Farm

$238

$20

AAA

$242

$20

Acuity

$249

$21

GEICO

$250

$21

West Bend Mutual

$251

$21

State Farm

$252

$21

Nationwide

$259

$22

MoneyGeek used a Ford Mustang as its sample sports car in this study. Your actual rate can differ greatly depending on the car model. Typically, luxury cars, electric cars and sports cars are more costly to insure compared with other model types. This might not always be true in Wisconsin, so it’s best to always compare quotes from multiple providers.

Cheapest Car Insurance in Wisconsin for Military Drivers (April 2023)

The cheapest car insurance provider for active military members and veterans is AAA, at an average rate of $440 per year.

USAA, which tailors its policies to military members and veterans, is the second best option. Its policies are available in all U.S. states and cost an average of $481 per year.

mglogo
MoneyGeek Top Pick
AAA
  • $440 per year
  • Ranks first out of 19 insurers for affordability

AAA is the ideal choice for drivers with a military background. There are also additional discounts to further lower your insurance costs, such as through bundling your car, insuring multiple cars and having an anti-theft system.

Cheapest Car Insurance in Wisconsin by City

The city where you live impacts the cost of your car insurance. Drivers who live in neighborhoods with higher rates of vandalism, theft or accidents are typically charged higher premiums because of the greater likelihood that they’ll file a claim.

For example, based on our study, Green Bay has the cheapest rates at roughly $363 per year from AAA for full coverage insurance. In Milwaukee, the most expensive city, the same AAA policy costs more, at an average of $550 per year.

Use our table below to see how average car insurance rates differ per city.

City
Cheapest Company
Annual Premium

Green Bay

AAA

$363

Madison

AAA

$423

Milwaukee

AAA

$550

Car Insurance in Wisconsin: What You Need to Know

Most states, including Wisconsin, require bodily injury liability (BIL) and property damage liability (PDL). In addition to these coverages, Wisconsin state law also requires uninsured motorist coverage.

Wisconsin Car Insurance Requirements

Wisconsin requires drivers to purchase a car insurance policy that meets the minimum limit of coverage. This includes bodily injury liability, property damage liability and uninsured motorist coverage.

A minimum coverage policy might be cheaper, but it exposes you to greater financial risks. We recommend getting as much liability coverage as you can afford.

Wisconsin state law will require you to purchase SR-22 insurance if you have severe violations. This may increase your coverage requirements.

  • male icon

    Bodily Injury Liability

    Drivers must carry $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. This covers the cost of medical bills in an accident where you’re at fault. Getting the minimum coverage might not be a good idea, especially considering the rising cost of health care and with surgeries easily reaching tens of thousands of dollars. You’ll have to pay anything over the limits out of your own pocket.

  • accident2 icon

    Property Damage Liability

    All auto insurance policies must have $10,000 in property damage liability per accident. Paying just this minimum limit means that you'll have to pay for any costs over $10,000 if you're at fault in an accident that damages another person's property.

  • carInsurance icon

    Uninsured Motorist Coverage

    Drivers are required to have $25,000 in uninsured motorist coverage per person and $50,000 in uninsured motorist coverage per accident. This covers the cost of any injuries that you or your passengers might suffer in an accident with an uninsured driver.

MoneyGeek recommends purchasing bodily injury liability insurance of at least $100,000 per person and $300,000 per accident and property damage coverage of at least $100,000 per accident.

If you financed your car, you’re likely required to have comprehensive and collision insurance on your policy.

Collision insurance covers the cost of repairing your vehicle in the event of a crash or accident. Comprehensive insurance pays for the cost of repairing your car if it is damaged in off-road incidents.

Comprehensive and collision coverages are a good idea if you have an expensive car.

Car Insurance Alternatives in Wisconsin

If you’re unable to get auto insurance for any reason, Wisconsin’s Financial Responsibility Law permits other alternatives to satisfy the required financial responsibility. These are:

Certificate of self-insurance: You may apply as a self-insurer if you have more than 25 cars registered under your name. You also need to provide proof of financial ability to cover any potential accident claims for each vehicle. This means you’ll need lots of extra cash in reserve to cover damages to your car and another person’s car and property, as well as possible lawsuits.

Surety bonds: A surety bond requires a company to pay its financial obligations in the event of an accident. Surety bonds cost only a percentage of the bond total, which makes them a cheap alternative to traditional auto insurance.

Personal funds: You must provide proof that you have enough funds that you don’t use for business or other personal purposes to cover your financial responsibility.

FAQs About Car Insurance in Wisconsin

Wisconsin residents who are looking for car insurance options commonly have concerns about cost and service quality. Our answers to the frequently asked questions are a good starting point for learning more.

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 Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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