Best Car Insurance Rates in Wisconsin

Find the Cheapest Auto Insurance Quotes in Your Area

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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:

This graph shows which companies in Wisconsin have the lowest auto insurance premiums

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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RankCompanyAverage annual rate
1State Farm$1,150
2American Family$1,187
3Erie$1,265
4SECURA Insurance$1,549
5Auto-Owners$1,823
6GEICO$1,883
7Progressive$2,079
8Allstate$2,310
NA*USAA$1,065
* USAA is excluded from rankings because it is only available to current and former military members and their families.

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"
1Auto-Owners100%67%
2USAA78%62%
3American Family86%50%
4Nationwide78%53%
5State Farm73%46%
6Allstate72%47%
7Erie Insurance67%50%
8Progressive74%34%
9GEICO64%42%
* Overall rank takes both overall satisfaction and customer service rankings into account.

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.

CityCompanyAnnual insurance cost
MilwaukeeAmerican Family$1,430
Erie$1,639
State Farm$1,657
MadisonState Farm$1,100
American Family$1,122
Erie$1,188
Green BayErie$983
American Family$990
State Farm$1,014
KenoshaErie$1,251
State Farm$1,252
American Family$1,266
AppletonAmerican Family$971
State Farm$1,039
Erie$1,044
WaukeshaAmerican Family$1,086
Erie$1,101
State Farm$1,135
Eau ClaireAmerican Family$1,034
State Farm$1,092
Erie$1,195
OshkoshErie$1,022
American Family$1,039
State Farm$1,068
JanesvilleAmerican Family$1,058
State Farm$1,061
Erie$1,064
La CrosseAmerican Family$1,113
State Farm$1,178
Erie$1,289
SheboyganAmerican Family$959
Erie$1,037
State Farm$1,048
Fond du LacState Farm$1,021
American Family$1,034
Erie$1,106
New BerlinAmerican Family$1,070
Erie$1,109
State Farm$1,184
BrookfieldAmerican Family$1,123
Erie$1,149
State Farm$1,296
WausauState Farm$1,170
American Family$1,184
Erie$1,217
Menomonee FallsAmerican Family$1,084
State Farm$1,115
Erie$1,164
GreenfieldAmerican Family$1,200
Erie$1,268
State Farm$1,348
BeloitState Farm$1,017
American Family$1,064
American Family$1,064
Oak CreekAmerican Family$1,146
State Farm$1,158
Erie$1,166
FranklinAmerican Family$1,146
State Farm$1,152
Erie$1,166
Sun PrairieState Farm$1,076
American Family$1,103
Erie$1,115
ManitowocAmerican Family$990
State Farm$1,004
Erie$1,080
West BendAmerican Family$1,106
Erie$1,108
State Farm$1,119
FitchburgState Farm$1,121
American Family$1,139
Erie$1,174
Mount PleasantErie$1,237
American Family$1,260
State Farm$1,275
Stevens PointState Farm$1,076
American Family$1,088
Erie$1,194
SuperiorState Farm$1,183
American Family$1,212
Erie$1,386
NeenahAmerican Family$975
State Farm$1,005
Erie$1,060
MuskegoAmerican Family$1,064
Erie$1,109
State Farm$1,170
CaledoniaErie$1,192
American Family$1,194
State Farm$1,253
De PereAmerican Family$960
State Farm$994
Erie$1,063
MequonAmerican Family$1,117
Erie$1,170
State Farm$1,226
WatertownState Farm$1,010
American Family$1,046
Erie$1,085
Pleasant PrairieErie$1,211
State Farm$1,310
American Family$1,314
South MilwaukeeAmerican Family$1,166
State Farm$1,172
Erie$1,215
GermantownAmerican Family$1,091
Erie$1,139
State Farm$1,198
MarshfieldAmerican Family$1,088
State Farm$1,099
Erie$1,231
CudahyState Farm$1,166
American Family$1,198
Erie$1,240
MenashaAmerican Family$977
Erie$1,008
State Farm$1,009
Wisconsin RapidsState Farm$1,096
American Family$1,200
Erie$1,231
AshwaubenonAmerican Family$971
Erie$983
State Farm$1,005
OconomowocAmerican Family$1,038
State Farm$1,081
Erie$1,099
MenomonieAmerican Family$1,113
State Farm$1,199
Erie$1,368
Beaver DamState Farm$951
American Family$1,048
Erie$1,099
KaukaunaAmerican Family$959
State Farm$996
Erie$1,056
River FallsState Farm$1,067
American Family$1,200
Erie$1,342
BellevueAmerican Family$967
Erie$983
State Farm$1,048
HartfordAmerican Family$1,066
Erie$1,108
State Farm$1,186
WhitewaterState Farm$1,023
Erie$1,070
American Family$1,136
PewaukeeAmerican Family$1,067
Erie$1,111
State Farm$1,172

Milwaukee, Wisconsin

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.

Madison, Wisconsin

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 your 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.

Kenosha, Wisconsin

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.

Appleton, Wisconsin

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.

RankCityAnnual car insurance rate
1Ashwaubenon$1,316
2Kaukauna$1,324
3Neenah$1,337
4Sheboygan$1,343
5De Pere$1,344
6Bellevue$1,344
7Menasha$1,345
8Green Bay$1,356
9Appleton$1,356
10Oshkosh$1,372
11Fond du Lac$1,378
12Manitowoc$1,402
13Beaver Dam$1,432
14Beloit$1,440
15Watertown$1,443
16Whitewater$1,444
17Eau Claire$1,449
18Janesville$1,454
19Sun Prairie$1,456
20Hartford$1,462
21Waukesha$1,463
22West Bend$1,469
23Oconomowoc$1,475
24Pewaukee$1,478
25Muskego$1,481
26New Berlin$1,483
27Fitchburg$1,484
28Marshfield$1,492
29Germantown$1,492
30Wausau$1,500
31La Crosse$1,504
32Menomonee Falls$1,508
33Madison$1,526
34Stevens Point$1,532
35Brookfield$1,541
36Mequon$1,555
37Franklin$1,571
38Menomonie$1,590
39River Falls$1,590
40Wisconsin Rapids$1,595
41South Milwaukee$1,613
42Oak Creek$1,614
43Caledonia$1,625
44Mount Pleasant$1,635
45Cudahy$1,639
46Superior$1,644
47Pleasant Prairie$1,653
48Kenosha$1,665
49Greenfield$1,680
50Milwaukee$2,147

Methodology

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.

Comments and Questions

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