Find the Cheapest Auto Insurance Quotes in Your Area
ValuePenguin compared quotes across Wisconsin and found that State Farm offers the cheapest rates in the state for full coverage auto insurance. This company offered annual premiums for our profile driver that were, on average, $1,150 per year. Compared to the Wisconsin average car insurance cost of $1,590 per year, choosing State Farm could represent a savings of $440.
Cheapest auto insurance companies in Wisconsin
Based on quotes for our sample driver across the state, the cheapest car insurance companies in Wisconsin are State Farm, American Family and Erie. See average annual premiums in ranked order, compared to what the typical insurer charges in Wisconsin:
Find the Cheapest Auto Insurance Quotes in Your Area
|Rank||Company||Average annual rate|
Cheapest for full coverage: State Farm
The cheapest insurance company in Wisconsin for full coverage auto insurance is State Farm — the company’s average rate for our profile driver was $1,150 per year. Additionally, we found that American Family and Erie are also great companies to find cheap rates on insurance.
- State Farm: $1,150 per year, or $96 per month
- American Family: $1,187 per year, or $99 per month
- Erie: $1,265 per year, or $105 per month
The best way to ensure that you and your vehicle are covered under almost any circumstances is to purchase a policy that includes liability coverage, as well as comprehensive and collision coverage. These full coverage auto insurance policies are worth their increased cost if your car is worth more than $3,000, as they ensure that you can avoid the cost of having to replace your vehicle if it is totaled.
Cheapest for minimum liability: Erie
In Wisconsin, the cheapest insurance company for minimum liability is Erie, according to our survey of rates. The rates this company quoted our profile driver were 49% cheaper than the Wisconsin average of $486 for minimum liability insurance.
- Erie: $249 per year, or $21 per month
- American Family: $353 per year, or $29 per month
- State Farm: $396 per year, or $33 per month
Minimum liability car insurance coverage only includes the required insurance coverages in Wisconsin. This includes bodily injury and property damage liability insurance, as well as uninsured motorist coverage.
Cheapest for drivers with an accident: State Farm
Wisconsin drivers with an accident on their driving record should consider State Farm, as they were the company that offered the cheapest rates to our profile driver in a similar situation.
- State Farm: $1,339 per year, or $112 per month
- Erie: $1,493 per year, or $124 per month
- SECURA Insurance: $1,899 per year, or $158 per month
Drivers with a recent at-fault accident on their record pay 42% more for auto insurance coverage than those with a clean driving record, according to our survey. The good news is that your rates will usually only be affected for three years.
Best auto insurance companies in Wisconsin
According to our survey of current customers, Auto-Owners is the best car insurance company in Wisconsin in terms of claim satisfaction and customer service. Additionally, USAA, American Family and Nationwide also received high marks from their policyholders.
|Overall rank*||Group||% of respondents overall extremely satisfied with most recent claim||% of respondents who rated customer service as "excellent"|
Minimum car insurance requirements in Wisconsin
The prices we cited above are for a driver opting for full coverage insurance. If you want your policy to be cheaper, you can opt for lower coverage limits. The lowest limits drivers in Wisconsin can purchase are as follows:
- Bodily injury liability insurance: $25,000 per person and $50,000 per accident
- Property damage liability insurance: $10,000 per accident
- Uninsured motorist bodily injury insurance: $25,000 per person and $50,000 per accident
Cheapest car insurance rates: By city
Among other factors — such as your policy limits, vehicle, driving record, and age and marital status — your address heavily influences how much you will pay for auto insurance. In this section, we'll take a look at costs at the city level to find which providers have the lowest rates in Wisconsin.
|City||Company||Annual insurance cost|
|Eau Claire||American Family||$1,034|
|La Crosse||American Family||$1,113|
|Fond du Lac||State Farm||$1,021|
|New Berlin||American Family||$1,070|
|Menomonee Falls||American Family||$1,084|
|Oak Creek||American Family||$1,146|
|Sun Prairie||State Farm||$1,076|
|West Bend||American Family||$1,106|
|Stevens Point||State Farm||$1,076|
|De Pere||American Family||$960|
|South Milwaukee||American Family||$1,166|
|Wisconsin Rapids||State Farm||$1,096|
|Beaver Dam||State Farm||$951|
|River Falls||State Farm||$1,067|
For residents who own a car in Milwaukee, your insurance rates are, unfortunately, the highest of any city in Wisconsin, according to our research. Annual rates average $2,147 in this city, 35% more than the Wisconsin average.
Cheap car insurance in Milwaukee exists, though. Out of the nine insurers we considered, we saw the best auto insurance rates in Milwaukee at American Family, Erie and State Farm. These companies provided quotes for our profile driver that were, on average, $1,576 per year.
We found that insurance for cars can cost $1,526 per year on average in Madison, which is just $64 cheaper than the state average of $1,590. Drivers that get coverage through one of the three cheapest insurance companies could save 26% according to our research. State Farm, American Family and Erie provided quotes for our profile driver that were $1,137 on average.
Green Bay, Wisconsin
Green Bay is home to some of the cheapest car insurance rates of any city in Wisconsin. Our research showed that auto insurance rates in this city were $1,356 per year, on average. This is 15% less than the statewide mean of $1,590 per year for a full coverage auto insurance policy.
To get the best insurance rates in Green Bay, we suggest getting quotes from Erie, American Family and State Farm. These insurers provided the cheapest insurance rates for our profile driver, that were 27% less than the citywide average.
If you're driving and live in Kenosha, your auto insurance rates can average $1,665 per year. This is 5% higher than the state average in Wisconsin and the third most expensive among the cities included in our survey.
Consumers looking to save money on car insurance should consider Erie, State Farm and American Family. These companies provided the most affordable rates to our profile driver, with rates averaging 25% less than the Kenosha average.
We found that drivers in Appleton can expect to pay $1,356 for a full coverage auto insurance policy, which is 15% less than the average in Wisconsin. This makes it among the cheapest cities in the state to insure your car.
Appleton residents looking to save on insurance should consider American Family, State Farm and Erie. Across these three companies, quotes for our profile driver were $1,018 per year — which is 25% less than the city average.
Cost of car insurance: By city
We looked at auto insurance rates across 50 Wisconsin cities and found that average rates can vary by $831 per year depending on where you live. While many of the smaller towns aren't listed, it's still helpful to find the closest city to where you live and use that as a point of comparison.
|Rank||City||Annual car insurance rate|
|11||Fond du Lac||$1,378|
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver who drives 12,000 miles a year.