Cheapest Car Insurance Quotes in Wisconsin (2026)
American Family has the cheapest car insurance in Wisconsin, at $119/mo for full coverage.
Best cheap car insurance in Wisconsin
American Family, Erie and West Bend are the cheapest options for most people in Wisconsin.
- Want full coverage? American Family: $119/mo
- Only need minimum liability coverage? Erie: $28/mo
- Want the best customer service? Erie: $128/mo
- Have a speeding ticket? American Family: $142/mo
- Caused an accident? West Bend: $171/mo
- Need coverage for a young driver? Erie: $62/mo
- Got a DUI? West Bend: $178/mo
- Have poor credit? State Farm: $182/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage auto insurance in WI: AmFam
American Family, Erie and USAA have the most affordable full coverage quotes in Wisconsin.
- American Family has the cheapest full coverage rates for most people in Wisconsin, at $119 per month. That's $50 per month less than the state average.
- Erie offers the best combination of affordable rates and excellent customer service. It costs $9 per month more than American Family. But Erie's outstanding customer service may be worth the extra cost, especially if you're in an accident in the future.
- USAA has the cheapest rates in Wisconsin overall, at $104 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Find Cheap Auto Insurance Quotes in Wisconsin
Best cheap full coverage car insurance in Wisconsin
Company | Monthly rate |
|---|---|
| American Family | $119 |
| Erie | $128 |
| Geico | $148 |
| Auto-Owners | $160 |
| USAA* | $104 |
*USAA is only available to current and former military members and their families.
Data-powered research on Wisconsin car insurance
| Data-powered research on WI car insurance |
|---|
Cheapest liability car insurance in Wisconsin: Erie
Erie has the cheapest rates for a minimum liability policy in Wisconsin, at $28 per month.
That's $17 per month cheaper than the Wisconsin state average of $45 per month. USAA also offers cheap minimum coverage quotes to Wisconsin drivers with military ties, at $28 per month.
Best cheap liability insurance in WI
Company | Monthly rate |
|---|---|
| Erie | $28 |
| American Family | $33 |
| Auto-Owners | $38 |
| Geico | $42 |
| West Bend | $47 |
| USAA* | $28 |
*USAA is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Wisconsin
Wisconsin auto insurance rates by city
American Family has the cheapest full coverage insurance in 85% of cities across Wisconsin, including Milwaukee and Madison.
Erie is the most affordable option in most other cities, many of which are small or midsize towns and communities.
Brill, a community in Barron County, has the most expensive car insurance in Wisconsin at $228 per month for full coverage.
Kimberly, a small village outside of Appleton, has the cheapest rates at $136 per month.
Find Cheap Auto Insurance Quotes in Wisconsin
Average Wisconsin car insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Milwaukee | $219 | American Family | $136 |
| Madison | $157 | American Family | $111 |
| Green Bay | $138 | American Family | $96 |
| Kenosha | $170 | Erie | $119 |
| Racine | $173 | American Family | $120 |
| Appleton | $139 | American Family | $96 |
| Eau Claire | $157 | American Family | $103 |
| Waukesha | $152 | American Family | $106 |
| Oshkosh | $142 | American Family | $102 |
| Janesville | $151 | American Family | $105 |
| West Allis | $185 | American Family | $124 |
| La Crosse | $159 | American Family | $112 |
| Sheboygan | $143 | American Family | $95 |
| Wauwatosa | $207 | American Family | $127 |
| Fond du Lac | $146 | American Family | $104 |
| Brookfield | $161 | American Family | $110 |
| New Berlin | $153 | American Family | $105 |
| Wausau | $156 | Geico | $107 |
| Sun Prairie | $151 | American Family | $109 |
| Oak Creek | $162 | American Family | $112 |
| Greenfield | $181 | American Family | $118 |
| Beloit | $150 | American Family | $104 |
| Franklin | $160 | American Family | $112 |
| Manitowoc | $148 | American Family | $98 |
| Fitchburg | $154 | Erie | $112 |
| West Bend | $155 | American Family | $106 |
| Neenah | $137 | American Family | $96 |
| Superior | $169 | American Family | $124 |
| Stevens Point | $158 | American Family | $109 |
| Mequon | $163 | American Family | $109 |
| De Pere | $137 | American Family | $95 |
| Muskego | $150 | American Family | $104 |
| Middleton | $152 | American Family | $111 |
| Watertown | $150 | American Family | $104 |
| South Milwaukee | $162 | American Family | $113 |
| Abbotsford | $171 | American Family | $126 |
| Abrams | $168 | American Family | $108 |
| Adams | $183 | American Family | $133 |
| Adell | $158 | American Family | $105 |
| Afton | $154 | American Family | $107 |
| Albany | $167 | Erie | $114 |
| Algoma | $154 | American Family | $108 |
| Allenton | $156 | American Family | $107 |
| Allouez | $140 | American Family | $94 |
| Alma | $193 | American Family | $135 |
| Alma Center | $185 | American Family | $136 |
| Almena | $191 | American Family | $135 |
| Almond | $172 | Erie | $122 |
| Altoona | $157 | American Family | $108 |
| Amberg | $195 | American Family | $136 |
| Amery | $198 | American Family | $122 |
| Amherst | $168 | Erie | $122 |
| Amherst Junction | $176 | American Family | $122 |
| Aniwa | $177 | Erie | $126 |
| Antigo | $176 | Erie | $129 |
| Arcadia | $180 | American Family | $124 |
| Arena | $174 | American Family | $120 |
| Argonne | $187 | Erie | $132 |
| Argyle | $174 | American Family | $122 |
| Arkansaw | $196 | American Family | $136 |
| Arkdale | $183 | American Family | $136 |
| Arlington | $156 | American Family | $114 |
| Armstrong Creek | $190 | American Family | $130 |
| Arpin | $169 | Erie | $124 |
| Ashland | $180 | American Family | $135 |
| Ashwaubenon | $137 | American Family | $96 |
| Athelstane | $196 | American Family | $134 |
| Athens | $174 | American Family | $126 |
| Auburndale | $162 | American Family | $122 |
| Augusta | $189 | Erie | $126 |
| Avalon | $149 | Erie | $112 |
| Avoca | $177 | American Family | $122 |
| Babcock | $181 | American Family | $112 |
| Bagley | $172 | American Family | $126 |
| Baileys Harbor | $147 | American Family | $100 |
| Baldwin | $173 | American Family | $130 |
| Balsam Lake | $201 | American Family | $134 |
| Bancroft | $168 | American Family | $112 |
| Bangor | $169 | American Family | $122 |
| Baraboo | $163 | American Family | $120 |
| Barneveld | $175 | American Family | $123 |
| Barron | $191 | American Family | $135 |
| Barronett | $197 | American Family | $135 |
| Bassett | $160 | American Family | $107 |
| Bay City | $181 | American Family | $123 |
| Bayfield | $185 | American Family | $138 |
| Bayside | $185 | American Family | $123 |
| Bear Creek | $173 | American Family | $107 |
| Beaver Dam | $150 | American Family | $105 |
| Beldenville | $180 | American Family | $122 |
| Belgium | $150 | American Family | $103 |
| Belleville | $159 | Erie | $112 |
| Bellevue | $139 | American Family | $95 |
| Belmont | $167 | American Family | $114 |
| Benet Lake | $163 | American Family | $117 |
| Benoit | $186 | American Family | $135 |
| Benton | $167 | American Family | $108 |
| Berlin | $166 | American Family | $114 |
| Big Bend | $154 | American Family | $110 |
| Birchwood | $200 | American Family | $137 |
| Birnamwood | $188 | Erie | $129 |
| Biron | $162 | American Family | $122 |
| Black Creek | $156 | American Family | $105 |
| Black Earth | $155 | Erie | $110 |
| Black River Falls | $180 | American Family | $126 |
| Blair | $192 | American Family | $132 |
| Blanchardville | $181 | American Family | $126 |
| Blenker | $172 | Erie | $124 |
| Bloomer | $183 | Erie | $128 |
| Bloomington | $170 | American Family | $119 |
| Blue Mounds | $161 | Erie | $110 |
| Blue River | $178 | American Family | $126 |
| Bohners Lake | $154 | American Family | $106 |
| Bonduel | $166 | American Family | $111 |
| Boscobel | $181 | American Family | $119 |
| Boulder Junction | $181 | American Family | $135 |
| Bowler | $184 | Erie | $128 |
| Boyceville | $191 | American Family | $135 |
| Boyd | $189 | Erie | $127 |
| Brandon | $150 | American Family | $108 |
| Brantwood | $186 | American Family | $134 |
| Brice Prairie | $151 | American Family | $108 |
| Briggsville | $181 | American Family | $134 |
| Brill | $228 | American Family | $132 |
| Brillion | $147 | American Family | $101 |
| Bristol | $165 | American Family | $117 |
| Brodhead | $160 | Erie | $113 |
| Brokaw | $165 | Geico | $107 |
| Brooklyn | $157 | Erie | $112 |
| Brown Deer | $224 | American Family | $121 |
| Browns Lake | $155 | American Family | $106 |
| Brownsville | $152 | American Family | $108 |
| Browntown | $164 | Erie | $114 |
| Bruce | $200 | American Family | $136 |
| Brule | $194 | American Family | $138 |
| Brussels | $155 | American Family | $94 |
| Bryant | $179 | Erie | $129 |
| Burlington | $155 | American Family | $106 |
| Burnett | $150 | American Family | $108 |
| Butler | $172 | American Family | $106 |
| Butte Des Morts | $151 | Erie | $105 |
| Butternut | $187 | American Family | $138 |
| Cable | $199 | American Family | $135 |
| Cadott | $183 | Erie | $128 |
| Caledonia | $164 | American Family | $116 |
| Cambria | $169 | Erie | $118 |
| Cambridge | $149 | American Family | $107 |
| Cameron | $189 | American Family | $132 |
| Camp Douglas | $181 | American Family | $133 |
| Camp Lake | $162 | American Family | $110 |
| Campbellsport | $160 | American Family | $108 |
| Caroline | $186 | American Family | $126 |
| Cascade | $158 | American Family | $104 |
| Casco | $158 | American Family | $104 |
| Cashton | $180 | American Family | $126 |
| Cassville | $170 | American Family | $118 |
| Cataract | $173 | American Family | $111 |
| Catawba | $189 | American Family | $126 |
| Cazenovia | $184 | American Family | $136 |
| Cecil | $169 | American Family | $126 |
| Cedar Grove | $146 | American Family | $95 |
| Cedarburg | $154 | American Family | $103 |
| Centuria | $198 | American Family | $126 |
| Chain O' Lakes | $168 | American Family | $109 |
| Chaseburg | $182 | American Family | $130 |
| Chenequa | $156 | American Family | $103 |
| Chetek | $193 | American Family | $132 |
| Chili | $168 | American Family | $122 |
| Chilton | $147 | American Family | $104 |
| Chippewa Falls | $158 | American Family | $123 |
| Clam Lake | $200 | American Family | $138 |
| Clayton | $201 | American Family | $137 |
| Clear Lake | $199 | American Family | $132 |
| Cleveland | $146 | American Family | $100 |
| Clinton | $151 | Erie | $112 |
| Clintonville | $174 | American Family | $109 |
| Clyman | $153 | American Family | $105 |
| Cobb | $168 | American Family | $126 |
| Cochrane | $184 | American Family | $122 |
| Colby | $172 | American Family | $126 |
| Coleman | $185 | American Family | $122 |
| Colfax | $187 | American Family | $132 |
| Colgate | $155 | American Family | $106 |
| Collins | $151 | American Family | $104 |
| Coloma | $180 | Erie | $134 |
| Columbus | $154 | American Family | $111 |
| Combined Locks | $137 | American Family | $95 |
| Como | $154 | American Family | $101 |
| Comstock | $197 | American Family | $137 |
| Conover | $183 | American Family | $136 |
| Conrath | $200 | American Family | $126 |
| Coon Valley | $176 | American Family | $120 |
| Cornell | $195 | Erie | $128 |
| Cornucopia | $186 | American Family | $138 |
| Cottage Grove | $149 | American Family | $107 |
| Couderay | $200 | American Family | $138 |
| Crandon | $183 | American Family | $126 |
| Crivitz | $192 | American Family | $132 |
| Cross Plains | $150 | Erie | $110 |
| Cuba City | $164 | American Family | $114 |
| Cudahy | $168 | American Family | $117 |
| Cumberland | $195 | American Family | $135 |
| Curtiss | $177 | Erie | $129 |
| Cushing | $200 | American Family | $126 |
| Custer | $171 | Erie | $122 |
| Dallas | $198 | American Family | $135 |
| Dalton | $178 | American Family | $122 |
| Danbury | $204 | American Family | $137 |
| Dane | $150 | Erie | $110 |
| Darien | $151 | Erie | $113 |
| Darlington | $173 | American Family | $112 |
| De Soto | $183 | Erie | $131 |
| Deer Park | $189 | American Family | $136 |
| Deerbrook | $180 | Erie | $129 |
| Deerfield | $150 | Erie | $110 |
| DeForest | $149 | American Family | $109 |
| Delafield | $154 | American Family | $102 |
| Delavan | $151 | American Family | $101 |
| Delavan Lake | $151 | American Family | $101 |
| Dellwood | $181 | American Family | $136 |
| Delwood | $183 | American Family | $136 |
| Denmark | $149 | American Family | $98 |
| Dickeyville | $168 | American Family | $114 |
| Dodge | $180 | American Family | $124 |
| Dodgeville | $168 | American Family | $111 |
| Dorchester | $174 | Erie | $129 |
| Dousman | $159 | American Family | $107 |
| Downing | $194 | American Family | $137 |
| Downsville | $178 | American Family | $112 |
| Doylestown | $159 | American Family | $111 |
| Dresser | $198 | American Family | $136 |
| Drummond | $201 | American Family | $135 |
| Dunbar | $190 | American Family | $136 |
| Durand | $193 | American Family | $126 |
| Eagle | $156 | American Family | $107 |
| Eagle Lake | $158 | American Family | $114 |
| Eagle River | $183 | American Family | $136 |
| East Ellsworth | $191 | American Family | $133 |
| East Troy | $156 | American Family | $112 |
| Eastman | $182 | American Family | $122 |
| Eau Galle | $188 | American Family | $132 |
| Eden | $155 | American Family | $112 |
| Edgar | $169 | Erie | $130 |
| Edgerton | $152 | Erie | $112 |
| Edmund | $166 | American Family | $111 |
| Egg Harbor | $146 | American Family | $94 |
| Eland | $188 | Erie | $130 |
| Elcho | $184 | Erie | $129 |
| Eldorado | $152 | American Family | $111 |
| Eleva | $182 | American Family | $124 |
| Elk Mound | $172 | American Family | $112 |
| Elkhart Lake | $148 | American Family | $100 |
| Elkhorn | $154 | American Family | $112 |
| Ellison Bay | $148 | American Family | $100 |
| Ellsworth | $179 | American Family | $133 |
| Elm Grove | $160 | American Family | $105 |
| Elmwood | $190 | American Family | $137 |
| Elmwood Park | $173 | American Family | $119 |
| Elroy | $181 | Erie | $133 |
| Elton | $183 | Erie | $129 |
| Embarrass | $173 | American Family | $109 |
| Endeavor | $182 | American Family | $130 |
| Ephraim | $148 | American Family | $100 |
| Ettrick | $186 | American Family | $132 |
| Evansville | $158 | Erie | $112 |
| Exeland | $206 | American Family | $138 |
| Fairchild | $191 | American Family | $130 |
| Fairwater | $152 | American Family | $108 |
| Fall Creek | $177 | American Family | $122 |
| Fall River | $157 | American Family | $104 |
| Fence | $193 | Erie | $127 |
| Fennimore | $173 | American Family | $119 |
| Ferryville | $188 | American Family | $130 |
| Fifield | $181 | American Family | $136 |
| Fish Creek | $146 | American Family | $100 |
| Florence | $192 | Erie | $127 |
| Fontana | $154 | American Family | $107 |
| Fontana-on-Geneva Lake | $155 | American Family | $107 |
| Footville | $152 | American Family | $103 |
| Forest Junction | $145 | American Family | $101 |
| Forestville | $153 | American Family | $98 |
| Fort Atkinson | $147 | Erie | $110 |
| Fountain City | $181 | American Family | $124 |
| Fox Lake | $149 | American Family | $104 |
| Fox Point | $185 | American Family | $123 |
| Foxboro | $186 | American Family | $135 |
| Francis Creek | $152 | American Family | $98 |
| Franksville | $158 | American Family | $109 |
| Frederic | $207 | American Family | $132 |
| Fredonia | $154 | American Family | $103 |
| Fremont | $167 | American Family | $118 |
| French Island | $157 | American Family | $112 |
| Friendship | $182 | American Family | $136 |
| Friesland | $168 | Erie | $117 |
| Galesville | $174 | American Family | $124 |
| Galloway | $220 | Erie | $130 |
| Gays Mills | $191 | American Family | $122 |
| Genesee Depot | $155 | American Family | $106 |
| Genoa | $181 | American Family | $122 |
| Genoa City | $155 | American Family | $107 |
| Germantown | $155 | American Family | $108 |
| Gile | $185 | American Family | $137 |
| Gillett | $175 | American Family | $122 |
| Gilman | $194 | American Family | $126 |
| Gilmanton | $187 | American Family | $135 |
| Gleason | $181 | American Family | $131 |
| Glen Flora | $204 | American Family | $130 |
| Glen Haven | $171 | American Family | $126 |
| Glenbeulah | $153 | American Family | $107 |
| Glendale | $222 | American Family | $122 |
| Glenwood City | $186 | American Family | $132 |
| Glidden | $185 | American Family | $138 |
| Goodman | $188 | American Family | $133 |
| Gordon | $200 | American Family | $138 |
| Gotham | $179 | American Family | $122 |
| Grafton | $151 | American Family | $104 |
| Grand Marsh | $186 | American Family | $135 |
| Grand View | $199 | American Family | $135 |
| Granton | $173 | Erie | $128 |
| Grantsburg | $203 | American Family | $136 |
| Gratiot | $171 | American Family | $112 |
| Green Lake | $168 | American Family | $114 |
| Green Valley | $180 | American Family | $108 |
| Greendale | $160 | American Family | $110 |
| Greenleaf | $149 | American Family | $101 |
| Greenville | $145 | American Family | $103 |
| Greenwood | $180 | Erie | $128 |
| Gresham | $175 | Erie | $128 |
| Hager City | $172 | American Family | $120 |
| Hales Corners | $158 | American Family | $110 |
| Hammond | $172 | American Family | $126 |
| Hancock | $182 | American Family | $133 |
| Hannibal | $220 | American Family | $126 |
| Hanover | $153 | American Family | $108 |
| Harshaw | $181 | American Family | $131 |
| Hartford | $157 | American Family | $106 |
| Hartland | $157 | American Family | $101 |
| Hatley | $180 | Erie | $130 |
| Haugen | $193 | American Family | $124 |
| Hawkins | $195 | American Family | $134 |
| Hayward | $202 | American Family | $135 |
| Hazel Green | $165 | American Family | $115 |
| Hazelhurst | $178 | American Family | $135 |
| Heafford Junction | $221 | American Family | $131 |
| Helenville | $153 | American Family | $109 |
| Herbster | $197 | American Family | $138 |
| Hertel | $211 | American Family | $137 |
| Hewitt | $161 | Erie | $124 |
| High Bridge | $189 | American Family | $138 |
| Highland | $172 | American Family | $126 |
| Hilbert | $147 | American Family | $104 |
| Hillpoint | $179 | American Family | $122 |
| Hillsboro | $188 | Erie | $131 |
| Hingham | $145 | American Family | $104 |
| Hixton | $188 | American Family | $135 |
| Hobart | $140 | American Family | $98 |
| Holcombe | $201 | Erie | $128 |
| Hollandale | $178 | American Family | $123 |
| Holmen | $157 | American Family | $104 |
| Horicon | $152 | American Family | $109 |
| Hortonville | $149 | Erie | $108 |
| Houlton | $173 | American Family | $126 |
| Howard | $139 | American Family | $98 |
| Howards Grove | $143 | American Family | $95 |
| Hubertus | $158 | American Family | $107 |
| Hudson | $170 | American Family | $120 |
| Humbird | $185 | Erie | $128 |
| Hurley | $184 | American Family | $137 |
| Hustisford | $155 | American Family | $112 |
| Hustler | $186 | American Family | $133 |
| Independence | $192 | American Family | $132 |
| Iola | $186 | American Family | $126 |
| Irma | $179 | American Family | $126 |
| Iron Belt | $185 | American Family | $135 |
| Iron Ridge | $154 | American Family | $111 |
| Iron River | $199 | American Family | $138 |
| Ixonia | $151 | American Family | $98 |
| Jackson | $154 | American Family | $105 |
| Jefferson | $144 | American Family | $98 |
| Jim Falls | $177 | American Family | $123 |
| Johnson Creek | $144 | American Family | $98 |
| Juda | $159 | American Family | $111 |
| Jump River | $223 | American Family | $126 |
| Junction City | $169 | Erie | $122 |
| Juneau | $152 | American Family | $105 |
| Kansasville | $159 | American Family | $114 |
| Kaukauna | $138 | American Family | $95 |
| Kellnersville | $155 | American Family | $100 |
| Kendall | $179 | American Family | $130 |
| Kennan | $189 | American Family | $132 |
| Keshena | $172 | Erie | $128 |
| Kewaskum | $159 | American Family | $101 |
| Kewaunee | $155 | American Family | $107 |
| Kiel | $150 | American Family | $100 |
| Kieler | $166 | American Family | $114 |
| Kimberly | $136 | American Family | $95 |
| King | $170 | American Family | $109 |
| Knapp | $188 | American Family | $126 |
| Knowlton | $163 | American Family | $114 |
| Kohler | $143 | American Family | $96 |
| Krakow | $168 | American Family | $104 |
| Kronenwetter | $163 | American Family | $114 |
| La Farge | $189 | Erie | $131 |
| La Pointe | $180 | American Family | $138 |
| La Valle | $179 | American Family | $133 |
| Lac du Flambeau | $177 | American Family | $135 |
| Ladysmith | $193 | American Family | $131 |
| Lake Arrowhead | $174 | American Family | $126 |
| Lake Delton | $169 | American Family | $126 |
| Lake Geneva | $154 | American Family | $101 |
| Lake Hallie | $157 | American Family | $123 |
| Lake Koshkonong | $147 | Erie | $110 |
| Lake Lorraine | $153 | American Family | $101 |
| Lake Mills | $147 | American Family | $105 |
| Lake Nebagamon | $194 | American Family | $138 |
| Lake Ripley | $147 | American Family | $107 |
| Lake Tomahawk | $178 | American Family | $135 |
| Lake Wazeecha | $162 | American Family | $122 |
| Lake Wisconsin | $157 | American Family | $115 |
| Lake Wissota | $158 | American Family | $123 |
| Lakewood | $182 | American Family | $126 |
| Lancaster | $167 | American Family | $104 |
| Land O Lakes | $187 | American Family | $131 |
| Lannon | $155 | American Family | $103 |
| Laona | $190 | American Family | $130 |
| Larsen | $149 | American Family | $107 |
| Lauderdale Lakes | $154 | American Family | $112 |
| Legend Lake | $173 | Erie | $128 |
| Lena | $178 | American Family | $118 |
| Leopolis | $174 | American Family | $122 |
| Lime Ridge | $178 | American Family | $133 |
| Linden | $168 | American Family | $111 |
| Little Chute | $138 | American Family | $94 |
| Little Round Lake | $200 | American Family | $135 |
| Little Suamico | $163 | American Family | $104 |
| Livingston | $170 | American Family | $114 |
| Lodi | $157 | American Family | $115 |
| Loganville | $177 | American Family | $126 |
| Lomira | $153 | American Family | $112 |
| Lone Rock | $179 | American Family | $122 |
| Long Lake | $186 | Erie | $127 |
| Lowell | $153 | American Family | $108 |
| Loyal | $177 | Erie | $128 |
| Lublin | $188 | American Family | $126 |
| Luck | $204 | American Family | $134 |
| Luxemburg | $155 | American Family | $104 |
| Lyndon Station | $179 | Erie | $133 |
| Maiden Rock | $187 | American Family | $134 |
| Malone | $149 | American Family | $108 |
| Manawa | $178 | American Family | $122 |
| Manitowish Waters | $181 | American Family | $126 |
| Maple | $195 | American Family | $138 |
| Maple Bluff | $158 | American Family | $112 |
| Maplewood | $198 | American Family | $98 |
| Marathon | $162 | Geico | $104 |
| Marathon City | $163 | Geico | $104 |
| Marengo | $186 | American Family | $138 |
| Maribel | $153 | American Family | $100 |
| Marinette | $171 | American Family | $122 |
| Marion | $184 | American Family | $126 |
| Markesan | $168 | American Family | $119 |
| Marshall | $152 | American Family | $108 |
| Marshfield | $165 | American Family | $111 |
| Mason | $198 | American Family | $135 |
| Mather | $187 | Erie | $133 |
| Mattoon | $177 | Erie | $128 |
| Mauston | $176 | American Family | $131 |
| Mayville | $153 | American Family | $104 |
| Mazomanie | $157 | Erie | $110 |
| McFarland | $150 | American Family | $107 |
| McNaughton | $177 | American Family | $131 |
| Medford | $181 | American Family | $126 |
| Mellen | $184 | American Family | $138 |
| Melrose | $191 | American Family | $124 |
| Menasha | $139 | American Family | $96 |
| Menomonee Falls | $156 | American Family | $106 |
| Menomonie | $179 | American Family | $112 |
| Mercer | $185 | American Family | $132 |
| Merrill | $169 | American Family | $114 |
| Merrillan | $190 | American Family | $134 |
| Merrimac | $166 | American Family | $123 |
| Merton | $157 | American Family | $101 |
| Mikana | $195 | American Family | $137 |
| Milladore | $170 | Erie | $124 |
| Millston | $180 | American Family | $126 |
| Milltown | $198 | American Family | $133 |
| Milton | $150 | American Family | $107 |
| Mindoro | $176 | American Family | $122 |
| Mineral Point | $171 | American Family | $122 |
| Minocqua | $174 | American Family | $131 |
| Minong | $205 | American Family | $137 |
| Mishicot | $149 | American Family | $100 |
| Mondovi | $189 | American Family | $135 |
| Monona | $153 | Erie | $113 |
| Monroe | $161 | Erie | $114 |
| Montello | $184 | American Family | $134 |
| Montfort | $169 | American Family | $122 |
| Monticello | $168 | Erie | $114 |
| Montreal | $183 | American Family | $137 |
| Morrisonville | $154 | American Family | $109 |
| Mosinee | $163 | American Family | $114 |
| Mount Calvary | $152 | American Family | $112 |
| Mount Hope | $174 | American Family | $118 |
| Mount Horeb | $157 | Erie | $110 |
| Mount Pleasant | $168 | Erie | $121 |
| Mount Sterling | $182 | American Family | $122 |
| Mountain | $184 | American Family | $126 |
| Mukwonago | $155 | American Family | $110 |
| Muscoda | $179 | American Family | $122 |
| Nashotah | $155 | American Family | $103 |
| Necedah | $181 | Erie | $133 |
| Neillsville | $178 | American Family | $122 |
| Nekoosa | $170 | American Family | $126 |
| Nelson | $199 | American Family | $126 |
| Nelsonville | $176 | American Family | $122 |
| Neopit | $178 | Erie | $128 |
| Neosho | $157 | American Family | $111 |
| Neshkoro | $185 | Erie | $134 |
| New Auburn | $195 | American Family | $135 |
| New Franken | $149 | American Family | $98 |
| New Glarus | $170 | Erie | $114 |
| New Holstein | $148 | American Family | $100 |
| New Lisbon | $179 | American Family | $115 |
| New London | $165 | American Family | $105 |
| New Munster | $159 | American Family | $106 |
| New Post | $203 | American Family | $138 |
| New Richmond | $177 | American Family | $112 |
| Newburg | $153 | American Family | $101 |
| Newton | $151 | American Family | $100 |
| Niagara | $189 | American Family | $135 |
| Nichols | $154 | American Family | $107 |
| North Fond du Lac | $146 | American Family | $105 |
| North Freedom | $165 | American Family | $123 |
| North Hudson | $170 | American Family | $120 |
| North Lake | $156 | American Family | $101 |
| North Prairie | $158 | American Family | $109 |
| Norwalk | $178 | American Family | $122 |
| Oakfield | $150 | American Family | $111 |
| Oconomowoc | $154 | American Family | $103 |
| Oconomowoc Lake | $155 | American Family | $103 |
| Oconto | $172 | American Family | $114 |
| Oconto Falls | $173 | American Family | $108 |
| Odanah | $181 | American Family | $135 |
| Ogdensburg | $182 | American Family | $126 |
| Ogema | $190 | American Family | $131 |
| Ojibwa | $202 | American Family | $138 |
| Okauchee | $157 | American Family | $104 |
| Okauchee Lake | $155 | American Family | $103 |
| Omro | $150 | Erie | $108 |
| Onalaska | $151 | American Family | $108 |
| Oneida | $146 | American Family | $98 |
| Ontario | $184 | American Family | $130 |
| Oostburg | $142 | American Family | $95 |
| Oregon | $152 | Erie | $110 |
| Orfordville | $153 | American Family | $108 |
| Osceola | $195 | American Family | $133 |
| Osseo | $188 | American Family | $132 |
| Owen | $180 | Erie | $128 |
| Oxford | $189 | American Family | $130 |
| Paddock Lake | $163 | American Family | $111 |
| Palmyra | $155 | Erie | $110 |
| Pardeeville | $164 | Erie | $117 |
| Park Falls | $181 | American Family | $137 |
| Park Ridge | $158 | American Family | $109 |
| Pearson | $184 | Erie | $129 |
| Pelican Lake | $185 | American Family | $135 |
| Pell Lake | $155 | American Family | $107 |
| Pembine | $194 | American Family | $136 |
| Pepin | $199 | American Family | $134 |
| Peshtigo | $177 | American Family | $126 |
| Pewaukee | $153 | American Family | $104 |
| Phelps | $188 | American Family | $136 |
| Phillips | $182 | American Family | $136 |
| Phlox | $176 | Erie | $129 |
| Pickerel | $184 | Erie | $129 |
| Pickett | $147 | American Family | $104 |
| Pigeon Falls | $186 | American Family | $132 |
| Pine River | $179 | American Family | $122 |
| Pittsville | $172 | American Family | $112 |
| Plain | $181 | American Family | $122 |
| Plainfield | $175 | Erie | $130 |
| Platteville | $164 | American Family | $105 |
| Pleasant Prairie | $171 | Erie | $119 |
| Plover | $159 | American Family | $107 |
| Plum City | $189 | American Family | $130 |
| Plymouth | $148 | American Family | $96 |
| Poplar | $189 | American Family | $136 |
| Port Edwards | $166 | American Family | $122 |
| Port Washington | $148 | American Family | $101 |
| Port Wing | $199 | American Family | $138 |
| Portage | $161 | American Family | $111 |
| Porterfield | $181 | American Family | $136 |
| Post Lake | $184 | Erie | $129 |
| Potosi | $169 | American Family | $114 |
| Potter | $150 | American Family | $104 |
| Potter Lake | $155 | American Family | $112 |
| Pound | $186 | American Family | $136 |
| Powers Lake | $157 | American Family | $107 |
| Poy Sippi | $183 | American Family | $122 |
| Poynette | $159 | American Family | $111 |
| Prairie Du Chien | $166 | American Family | $114 |
| Prairie du Sac | $165 | American Family | $120 |
| Prairie Farm | $205 | American Family | $137 |
| Prentice | $187 | American Family | $135 |
| Prescott | $168 | American Family | $120 |
| Presque Isle | $187 | American Family | $135 |
| Princeton | $175 | American Family | $126 |
| Pulaski | $153 | American Family | $98 |
| Radisson | $205 | American Family | $138 |
| Randolph | $154 | American Family | $104 |
| Random Lake | $153 | American Family | $98 |
| Readfield | $170 | American Family | $118 |
| Readstown | $190 | Erie | $131 |
| Redgranite | $181 | American Family | $132 |
| Reedsburg | $169 | American Family | $123 |
| Reedsville | $153 | American Family | $100 |
| Reeseville | $154 | American Family | $114 |
| Rewey | $169 | American Family | $122 |
| Rhinelander | $175 | American Family | $131 |
| Rib Lake | $184 | American Family | $126 |
| Rib Mountain | $154 | Geico | $107 |
| Rice Lake | $189 | American Family | $124 |
| Richfield | $155 | American Family | $106 |
| Richland Center | $181 | American Family | $126 |
| Ridgeland | $196 | American Family | $137 |
| Ridgeway | $173 | American Family | $112 |
| Ringle | $168 | Geico | $107 |
| Rio | $160 | American Family | $111 |
| Ripon | $152 | American Family | $114 |
| River Falls | $170 | American Family | $122 |
| River Hills | $185 | American Family | $123 |
| Roberts | $168 | American Family | $122 |
| Rochester | $154 | American Family | $106 |
| Rock Springs | $170 | American Family | $123 |
| Rockland | $172 | American Family | $126 |
| Rosendale | $150 | American Family | $108 |
| Rosholt | $179 | Erie | $125 |
| Rothschild | $154 | Geico | $107 |
| Rubicon | $157 | American Family | $111 |
| Rudolph | $165 | American Family | $118 |
| Salem | $163 | American Family | $111 |
| Sandy Hook | $165 | American Family | $115 |
| Sarona | $203 | American Family | $137 |
| Sauk City | $159 | American Family | $120 |
| Saukville | $151 | American Family | $104 |
| Saxon | $189 | American Family | $135 |
| Sayner | $185 | American Family | $131 |
| Scandinavia | $177 | American Family | $122 |
| Schofield | $154 | Geico | $107 |
| Sextonville | $174 | American Family | $122 |
| Seymour | $152 | American Family | $107 |
| Sharon | $151 | American Family | $107 |
| Shawano | $164 | American Family | $111 |
| Sheboygan Falls | $141 | American Family | $96 |
| Sheldon | $207 | American Family | $130 |
| Shell Lake | $206 | American Family | $137 |
| Sherwood | $145 | American Family | $104 |
| Shiocton | $164 | American Family | $104 |
| Shorewood | $192 | American Family | $125 |
| Shorewood Hills | $156 | American Family | $109 |
| Shullsburg | $168 | American Family | $114 |
| Silver Lake | $161 | American Family | $111 |
| Sinsinawa | $167 | American Family | $115 |
| Siren | $205 | American Family | $132 |
| Sister Bay | $146 | American Family | $100 |
| Slinger | $153 | American Family | $103 |
| Sobieski | $163 | American Family | $107 |
| Soldiers Grove | $189 | American Family | $130 |
| Solon Springs | $192 | American Family | $138 |
| Somerset | $177 | American Family | $122 |
| South Range | $183 | American Family | $126 |
| South Wayne | $170 | American Family | $122 |
| Sparta | $171 | American Family | $111 |
| Spencer | $166 | American Family | $112 |
| Spooner | $207 | American Family | $135 |
| Spring Green | $174 | American Family | $126 |
| Spring Valley | $183 | American Family | $122 |
| Springbrook | $205 | American Family | $137 |
| St. Cloud | $153 | American Family | $104 |
| St. Croix Falls | $199 | American Family | $135 |
| St. Francis | $182 | American Family | $117 |
| St. Germain | $183 | American Family | $131 |
| St. Nazianz | $151 | American Family | $100 |
| St. Peter | $146 | American Family | $105 |
| Stanley | $191 | Erie | $128 |
| Star Lake | $193 | American Family | $131 |
| Star Prairie | $196 | American Family | $136 |
| Stetsonville | $178 | American Family | $126 |
| Steuben | $184 | American Family | $126 |
| Stitzer | $171 | American Family | $118 |
| Stockholm | $196 | American Family | $132 |
| Stoddard | $175 | American Family | $122 |
| Stone Lake | $203 | American Family | $135 |
| Stoughton | $148 | Erie | $110 |
| Stratford | $168 | American Family | $130 |
| Strum | $189 | American Family | $132 |
| Sturgeon Bay | $146 | American Family | $98 |
| Sturtevant | $164 | Erie | $121 |
| Suamico | $139 | American Family | $98 |
| Sullivan | $153 | Erie | $110 |
| Summit Lake | $183 | Erie | $129 |
| Suring | $180 | American Family | $122 |
| Sussex | $154 | American Family | $101 |
| Tainter Lake | $187 | American Family | $132 |
| Taylor | $191 | American Family | $135 |
| Theresa | $154 | American Family | $108 |
| Thiensville | $165 | American Family | $113 |
| Thorp | $183 | Erie | $128 |
| Three Lakes | $181 | American Family | $130 |
| Tichigan | $155 | American Family | $106 |
| Tigerton | $192 | Erie | $128 |
| Tilleda | $175 | American Family | $122 |
| Tisch Mills | $200 | American Family | $98 |
| Tomah | $170 | American Family | $118 |
| Tomahawk | $178 | American Family | $131 |
| Tony | $196 | American Family | $134 |
| Townsend | $179 | American Family | $126 |
| Trego | $207 | American Family | $136 |
| Trempealeau | $175 | American Family | $124 |
| Trevor | $161 | American Family | $110 |
| Tripoli | $184 | American Family | $135 |
| Tunnel City | $173 | American Family | $118 |
| Turtle Lake | $199 | American Family | $136 |
| Twin Lakes | $158 | American Family | $107 |
| Two Rivers | $149 | American Family | $104 |
| Union Center | $180 | Erie | $133 |
| Union Grove | $160 | American Family | $112 |
| Unity | $172 | American Family | $126 |
| Upson | $188 | American Family | $135 |
| Valders | $150 | American Family | $104 |
| Van Dyne | $147 | American Family | $107 |
| Verona | $150 | American Family | $109 |
| Vesper | $176 | Erie | $124 |
| Viola | $188 | American Family | $133 |
| Viroqua | $184 | American Family | $130 |
| Wabeno | $189 | American Family | $130 |
| Waldo | $150 | American Family | $104 |
| Wales | $153 | American Family | $103 |
| Walworth | $151 | American Family | $103 |
| Warrens | $179 | American Family | $122 |
| Washburn | $183 | American Family | $135 |
| Washington Island | $147 | American Family | $100 |
| Waterford | $155 | American Family | $106 |
| Waterloo | $150 | American Family | $108 |
| Waukau | $152 | Erie | $108 |
| Waunakee | $148 | American Family | $109 |
| Waupaca | $168 | American Family | $109 |
| Waupun | $150 | American Family | $112 |
| Wausaukee | $196 | American Family | $134 |
| Wautoma | $180 | American Family | $132 |
| Wauzeka | $180 | American Family | $126 |
| Webster | $207 | American Family | $136 |
| West Baraboo | $163 | American Family | $120 |
| West Milwaukee | $197 | American Family | $127 |
| West Salem | $156 | American Family | $112 |
| Westboro | $186 | American Family | $126 |
| Westby | $181 | American Family | $122 |
| Westfield | $183 | American Family | $132 |
| Weston | $154 | Geico | $107 |
| Weyauwega | $171 | American Family | $124 |
| Weyerhaeuser | $199 | American Family | $137 |
| Wheeler | $196 | American Family | $135 |
| White Lake | $183 | Erie | $129 |
| Whitefish Bay | $191 | American Family | $124 |
| Whitehall | $185 | American Family | $132 |
| Whitelaw | $154 | American Family | $100 |
| Whitewater | $151 | Erie | $112 |
| Whiting | $158 | American Family | $109 |
| Wild Rose | $179 | American Family | $126 |
| Willard | $186 | Erie | $128 |
| Williams Bay | $153 | American Family | $101 |
| Wilmot | $160 | American Family | $106 |
| Wilson | $181 | American Family | $132 |
| Wilton | $178 | American Family | $122 |
| Wind Lake | $154 | American Family | $106 |
| Wind Point | $170 | American Family | $119 |
| Windsor | $150 | Erie | $110 |
| Winnebago | $144 | American Family | $104 |
| Winneconne | $152 | American Family | $104 |
| Winter | $202 | American Family | $138 |
| Wisconsin Dells | $170 | American Family | $126 |
| Wisconsin Rapids | $165 | American Family | $122 |
| Withee | $182 | American Family | $126 |
| Wittenberg | $191 | Erie | $128 |
| Wonewoc | $183 | Erie | $133 |
| Woodford | $172 | American Family | $122 |
| Woodland | $156 | American Family | $111 |
| Woodman | $177 | American Family | $126 |
| Woodruff | $174 | American Family | $126 |
| Woodville | $177 | American Family | $122 |
| Woodworth | $165 | American Family | $117 |
| Wrightstown | $146 | American Family | $98 |
| Wyocena | $164 | Erie | $117 |
| Zachow | $170 | American Family | $104 |
| Zenda | $154 | American Family | $101 |
In Wisconsin, average car insurance quotes can vary by as much as $92 per month from one city to the next. Auto insurance in more densely populated urban areas often costs more than in rural areas. That's because accidents and car theft are more common in large cities.
Best car insurance in Wisconsin: Erie
-
Full coverage rate$128/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage. Read our methodology.
-
Claims process10/10Claims rating is based on J.D. Power's claims satisfaction survey and the National Association of Insurance Commissioners complaint index. Read our methodology.
-
AM Best rating A
Pros & cons
Pros:
- Excellent customer service
- Low rates
- Lots of coverage add-ons
Cons:
- Expensive home insurance in WI makes it bad for bundling
Why is Erie the best?
Erie is the best choice in Wisconsin if you don't mind paying a little more for excellent customer service.
Erie's exceptional customer service reviews mean you can expect the company to take great care of you if you're ever in an accident.
- Erie earned the highest score on J.D. Power's claims satisfaction survey, beating out 18 of the largest car insurance companies.
- Erie also earned the top score on J.D. Power's customer satisfaction survey compared to 21 north-central companies.
- Erie gets 45% fewer customer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Erie is also a great option if you want extra protection because it offers lots of coverage add-ons such as new or better car replacement, accident forgiveness and gap insurance.
Erie has some of the lowest rates in Wisconsin. Its liability-only policy is the cheapest option for most people, at just $28 per month.
Full coverage from Erie costs around $128 per month, which is an average savings of 24%. However, it's $9 per month more than the cheapest company, American Family.
However, Erie's home insurance rates tend to be expensive in Wisconsin. So it's not a great choice if you prefer bundling your home and auto policies with the same company.
Other top auto insurance companies in WI
USAA has the overall best customer service in Wisconsin. But only military members, veterans and some of their family members can get car insurance from USAA.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| Erie | 703 | A | |
| State Farm | 650 | A++ | |
| Auto-Owners | 638 | A+ | |
| American Family | 640 | A |
How did we pick the best company?
The author, Lindsay Bishop, chose the best car insurance companies in Wisconsin based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Wisconsin
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap Wisconsin insurance after a speeding ticket: American Family and Erie
American Family and Erie have the cheapest car insurance in Wisconsin for drivers with a speeding ticket. Full coverage from both companies costs $142 per month, on average, after one speeding ticket. That's one-third cheaper than the Wisconsin average of $210 per month.
If you get similar quotes from American Family and Erie, Erie is typically the better choice. That's because Erie has better customer service reviews than American Family.
Affordable car insurance with a ticket in Wisconsin
Company | Monthly rate |
|---|---|
| American Family | $142 |
| Erie | $142 |
| Auto-Owners | $160 |
| West Bend | $183 |
| USAA* | $122 |
*USAA is available only to current and former military members and their families.
Wisconsin drivers can expect their car insurance rates to go up by around 25% after one speeding ticket. That's an average increase of $42 per month for full coverage.
Your rates go up after a speeding ticket because insurance companies believe you're more likely to cause an accident in the future. Speeding typically leads to more severe injuries and greater damage after an accident, which results in a more expensive bill for the insurance company.
Cheapest quotes in Wisconsin after an accident: West Bend
West Bend has the cheapest full coverage insurance in Wisconsin after an accident, at $171 per month. That's around one-third less than the state average, which is $249 per month. However, West Bend doesn't offer online quotes, so you'll have to contact an agent to buy a policy.
Erie is a better choice if you prefer comparing quotes online. At $182 per month, full coverage from Erie is $67 per month cheaper than the Wisconsin average.
Cheap car insurance in Wisconsin after a crash
Company | Monthly rate |
|---|---|
| West Bend | $171 |
| Auto-Owners | $180 |
| Erie | $182 |
| American Family | $201 |
| USAA* | $144 |
*USAA is only available to current and former military members and their families.
On average, car insurance rates in Wisconsin go up by 48% after an at-fault accident. That's an average increase of $81 per month for full coverage insurance.
It's a good idea to compare rates after a change in your driving history. But don't rush to buy a new policy right after an accident.
Your insurance company typically won't raise your rates until it's time to renew your policy, so you should wait until your current policy is about to expire before making a change.
Cheap auto insurance in Wisconsin for teens: Erie and American Family
Best Wisconsin insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $62 | $299 |
| American Family | $91 | $275 |
| Geico | $101 | $360 |
| West Bend | $109 | $307 |
| USAA* | $68 | $231 |
*USAA is only available to current and former military members and their families.
Auto insurance for an 18-year-old driver in Wisconsin is more than triple the cost of coverage for a 30-year-old driver, on average. That's because young drivers are more likely to get into an accident than experienced drivers.
These high prices may make some young drivers consider getting a minimum coverage policy. But that is often not a good idea.
The easiest way for young drivers in Wisconsin to find cheap car insurance rates is by sharing a policy with their parents.
Minimum coverage could help you save money on insurance if you don't have an expensive car and don't have a loan or lease. However, you'll have to pay for repairs to your own car if you cause an accident.
Best auto insurance in Wisconsin for teens after a ticket or accident: Erie
Erie has the best rates for young drivers with a speeding ticket or an at-fault accident in Wisconsin.
- Speeding ticket: Minimum liability coverage from Erie costs $72 per month for an 18-year-old with one speeding ticket. That's less than half the state average cost, $183 per month.
- Accident: Teens with an accident on their record pay $82 per month for a minimum liability policy from Erie, which is less than half the Wisconsin average of $206.
Cheap Wisconsin auto insurance quotes for teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| Erie | $72 | $82 |
| West Bend | $123 | $114 |
| American Family | $127 | $169 |
| Geico | $127 | $175 |
| USAA* | $96 | $120 |
*USAA is only available to current and former military members and their families.
Young drivers in Wisconsin can expect their rates to go up by around 13% after one speeding ticket and 28% after an at-fault accident. This is a smaller increase than older drivers typically see after a ticket or accident because teens are already considered high-risk, even with a clean record.
Best Wisconsin car insurance rates after a DUI: West Bend
West Bend has the most affordable car insurance for drivers with a DUI in Wisconsin. Full coverage from West Bend costs $178 per month after a DUI, which is one-third cheaper than the statewide average.
West Bend is also $39 per month less than the second-cheapest company, American Family. That means it's probably worthwhile to contact a local independent agent to get a quote from West Bend after a DUI.
Affordable car insurance in Wisconsin after a DUI
Company | Monthly rate |
|---|---|
| West Bend | $178 |
| American Family | $217 |
| Erie | $222 |
| Geico | $247 |
| USAA* | $190 |
*USAA is only available to current and former military members and their families.
The average cost of car insurance in Wisconsin goes up by 58% after a DUI. That's an average increase of $98 per month for drivers with full coverage insurance.
You may also have to get SR-22 insurance in Wisconsin after a DUI. An SR-22 filing typically costs between $15 and $50, on top of any increase in your car insurance rates.
Best Wisconsin auto insurance for drivers with poor credit: State Farm
State Farm offers the most affordable rates in Wisconsin for drivers with poor credit scores, at $182 per month for full coverage. That's $122 per month cheaper than the state average and $29 per month less than the second-cheapest company, American Family.
Cheapest car insurance in Wisconsin for bad credit
Company | Monthly rate |
|---|---|
| State Farm | $182 |
| American Family | $211 |
| Geico | $224 |
| West Bend | $237 |
| USAA* | $205 |
*USAA is available only to current and former military members and their families.
Full coverage car insurance in Wisconsin costs $135 per month more for drivers with poor credit compared to those with good credit.
Your credit score doesn't have anything to do with your driving habits, but it can affect your car insurance rates. Car insurance companies believe drivers with bad credit are more likely to file a claim in the future. That makes them more expensive to insure.
Minimum car insurance requirements in Wisconsin
All insurance policies in Wisconsin must have a minimum amount of liability and uninsured motorist coverage, sometimes written as 25/50/10.
Liability coverage pays for the other drivers’ injuries and damage if you cause an accident. Uninsured motorist coverage pays your medical bills if you're hit by a driver who doesn't have insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
In Wisconsin, if you give someone permission to drive your car and they crash it, your insurance will pay for any damage up to your chosen limits. This differs from most other states, where your insurance only covers drivers listed on your policy.
What's the best car insurance coverage for Wisconsin?
Full coverage is usually the best option for most Wisconsin drivers.
Full coverage insurance includes coverage to pay for damage to your own vehicle, called comprehensive and collision coverage.
Minimum coverage car insurance is the cheapest coverage option in Wisconsin. However, minimum coverage only pays for the other driver's injuries or property damage — it doesn't cover damage to your car.
The minimum liability limits in Wisconsin also may not be high enough to cover the cost of a major crash. For example, Wisconsin only requires $10,000 of property damage insurance. If you hit an expensive or brand-new car, the minimum amount may not be enough to repair or replace it.
If you have a car loan or lease, your lender typically requires you to have full coverage. You should also consider full coverage if your car is newer than 8 years old or worth more than $5,000.
Frequently asked questions
What is the cheapest car insurance in Wisconsin?
Erie is the most affordable car insurance company in Wisconsin for 2026. Minimum liability coverage from Erie costs an average of $28 per month.
American Family has the cheapest full coverage rates in Wisconsin, at $119 per month. You can lower your monthly rate even more by bundling your renters or homeowners insurance with your auto policy.
How much is car insurance in Wisconsin per month?
The average cost of car insurance in Wisconsin is $168 per month for full coverage. That makes it the 10th-cheapest state for full coverage car insurance.
How much insurance do I need in Wisconsin?
The minimum requirement for car insurance in Wisconsin includes $25,000 of bodily injury liability coverage per person and $50,000 per accident, plus matching uninsured motorist coverage. You’ll also need $10,000 of property damage coverage.
How much is auto insurance in Green Bay, WI?
The average cost of car insurance in Green Bay is $138 per month for a full coverage policy. That's 18% cheaper than the Wisconsin average. In comparison, drivers in Milwaukee pay an average of $219 per month for the same coverage.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Wisconsin for the largest insurance companies in the state. Rates are for a 30-year-old man who drives a 2018 Honda Civic EX and has good credit.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
