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The Best Cheap Car Insurance Companies for Wisconsin Drivers in 2020

Most drivers in the state of Wisconsin will be able to choose from the five most familiar car insurance companies in the state, meaning that you’re sure to get your insurance from a reliable source. When searching for affordable car insurance in Wisconsin, remember that coverage from these companies varies from driver to driver. Receive personalized insurance information by comparing car insurance quotes from multiple sources to find the best insurance for you.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Wisconsin for the cheapest car insurance on average.
$432
per year
2. GEICO
In 2020, GEICO ranked #2 in Wisconsin for the cheapest car insurance on average.
$631
per year
3. AAA
In 2020, AAA ranked #3 in Wisconsin for the cheapest car insurance on average.
$726
per year
4. American Family
In 2020, American Family ranked #4 in Wisconsin for the cheapest car insurance on average.
$752
per year
5. Erie
In 2020, Erie ranked #5 in Wisconsin for the cheapest car insurance on average.
$759
per year

This table demonstrates the average cost per month for the average driver, but every driver is different. Insurance companies take a number of personal factors into consideration when calculating insurance rates. These details include age and gender of the driver, as well as driving history, what type of car you drive, and more.

The Best Car Insurance Companies in Wisconsin for 2020

MoneyGeek experts have developed a unique rating system to rank the top Wisconsin auto insurance companies, which is based on a combination of ratings from reputable outlets like J.D. Power and AM Best. Companies were scored out of 100 points, with four credibility and service scores weighted equally. These scores included: AM Best's financial strength rating and J.D. Power's customer satisfaction, claims and affordability scores.

When searching for the best car insurance in Wisconsin, it’s important to consider company reliability and customer satisfaction, as well as affordability, to ensure you make the right choice to protect you on the road.

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

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.

Company
Market Share
1. American Family
18.56%
2. Progressive
18.24%
3. State Farm
14.49%
4. GEICO
4.76%
5. Allstate
4.57%

Cheapest Car Insurance for Drivers With a DUI in Wisconsin

Twenty nine people in the U.S. die in motor vehicle crashes that involve an alcohol-impaired driver every day, and in a recent study conducted by the Center for Disease Control and Prevention, 3.1% of adult drivers admitted to driving after having too much to drink. 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.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Wisconsin for the cheapest car insurance for drivers with a DUI.
$763
per year
2. American Family
In 2020, American Family ranked #2 in Wisconsin for the cheapest car insurance for drivers with a DUI.
$787
per year
3. State Farm
In 2020, State Farm ranked #3 in Wisconsin for the cheapest car insurance for drivers with a DUI.
$850
per year
4. Progressive
In 2020, Progressive ranked #4 in Wisconsin for the cheapest car insurance for drivers with a DUI.
$991
per year
5. Erie
In 2020, Erie ranked #5 in Wisconsin for the cheapest car insurance for drivers with a DUI.
$1,130
per year

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 for WI Speeding or Distracted Driving Tickets

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.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Wisconsin for the cheapest car insurance for distracted drivers.
$503
per year
2. Erie
In 2020, Erie ranked #2 in Wisconsin for the cheapest car insurance for distracted drivers.
$759
per year
3. American Family
In 2020, American Family ranked #3 in Wisconsin for the cheapest car insurance for distracted drivers.
$787
per year
4. GEICO
In 2020, GEICO ranked #4 in Wisconsin for the cheapest car insurance for distracted drivers.
$791
per year
5. State Farm
In 2020, State Farm ranked #5 in Wisconsin for the cheapest car insurance for distracted drivers.
$850
per year

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 WI 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.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Wisconsin for the cheapest car insurance for drivers with poor credit.
$761
per year
2. GEICO
In 2020, GEICO ranked #2 in Wisconsin for the cheapest car insurance for drivers with poor credit.
$933
per year
3. American Family
In 2020, American Family ranked #3 in Wisconsin for the cheapest car insurance for drivers with poor credit.
$1,278
per year
4. Acuity
In 2020, Acuity ranked #4 in Wisconsin for the cheapest car insurance for drivers with poor credit.
$1,293
per year
5. Travelers
In 2020, Travelers ranked #5 in Wisconsin for the cheapest car insurance for drivers with poor credit.
$1,381
per year

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. Older 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.

Company
Amount
1. USAA
In 2020, USAA ranked #1 in Wisconsin for the cheapest car insurance for seniors.
$479
per year
2. State Farm
In 2020, State Farm ranked #2 in Wisconsin for the cheapest car insurance for seniors.
$760
per year
3. American Family
In 2020, American Family ranked #3 in Wisconsin for the cheapest car insurance for seniors.
$789
per year
4. Erie
In 2020, Erie ranked #4 in Wisconsin for the cheapest car insurance for seniors.
$797
per year
5. AAA
In 2020, AAA ranked #5 in Wisconsin for the cheapest car insurance for seniors.
$815
per year

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

Wisconsin Car Insurance: How Much a Teen Driver Will Cost You

Median annual price change for families with a teen driver on their policy:

$1,631 INCREASE

This is a difference of 133%.

# para one #

# para two #

Company
Amount
1. GEICO
In 2020, GEICO ranked #1 in Wisconsin for the cheapest car insurance for students.
$1,752
per year
2. Progressive
In 2020, Progressive ranked #2 in Wisconsin for the cheapest car insurance for students.
$1,753
per year
3. State Farm
In 2020, State Farm ranked #3 in Wisconsin for the cheapest car insurance for students.
$2,383
per year
4. Nationwide
In 2020, Nationwide ranked #4 in Wisconsin for the cheapest car insurance for students.
$2,684
per year
5. Allstate
In 2020, Allstate ranked #5 in Wisconsin for the cheapest car insurance for students.
$3,597
per year

Premium Comparison by Student Type

PREMIUM COMPARISON FOR TWO ADULTS + 16-YEAR-OLD

car
Average premium for two 2014

Mustang GTs

$4,109
car
Average premium for two 2008

Town and Country Limiteds

$2,545
Annual benefits of minivans:$1,564 saved

This is 38% less expensive.

Cheaper premium for college vs. high school drivers

Median premium change with a college student vs. high school driver:

$802 DECREASE

This is a savings of 26%.

Potential discounts for teens in Wisconsin

Impact on annual premium with good student and defensive driving discounts:

coins
$522 SAVED

Wisconsin students: a long-distance discount

You may pay a smaller annual family premium if your child lives 150 miles or more away from home.

male
Average premium for a 19-year-old male
car

$2,654 at home

graduation

$2,260 at school

$394 IN SAVINGS

female
Average premium for a 19-year-old female
car

$2,310 at home

graduation

$1,984 at school

$326 IN SAVINGS

Insurance Rate Information for Military Drivers and Veterans

You can get a discount on car insurance if you're one of the 900+ 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.

Age savings for Winconsin service members

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

$226 Saved
$144 Saved

Median auto insurance for service members: $914

Who Needs Car Insurance in Wisconsin?

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:

  • $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 were designed to provide coverage for high-risk drivers who cannot get insured through standard Wisconsin auto insurance companies. These programs often provide premiums at a higher price, so it’s important to shop around for car insurance quotes before committing to a plan.

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 money.

Car Insurance Requirements in WI: How Much Coverage Do You Need?

What percentage of drivers in Wisconsin lack vehicle insurance?

14.3%

National average: 13%

Source:

Insurance Information Institute.

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

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 pays if your vehicle is hit by a deer, stolen, or damaged in a natural disaster.

For more on the best insurance you should get, check out the MoneyGeek guide to car insurance.

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Sources