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Best Car Insurance Quotes in Wisconsin (2023)

Best Car Insurance Quotes in Wisconsin (2023)

State Farm has the best cheap car insurance in Wisconsin, at $22 per month or $261 per year for minimum-liability quotes.

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Best cheap car insurance in Wisconsin

To identify the best cheap car insurance for drivers in Wisconsin, our editorial team collected quotes from top insurance companies in every ZIP code in the state.

Quotes for minimum coverage meet the WI state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, the same limits for uninsured motorist bodily injury liability coverage and $10,000 in property damage protection. Full coverage quotes include comprehensive and collision coverage plus higher liability limits.

We also ranked the best Wisconsin insurance companies based on coverage availability, customer service reviews, affordability for different drivers and convenience.

Cheapest car insurance quotes in Wisconsin: State Farm

State Farm offers Wisconsin drivers the cheapest rates for a minimum-liability policy. Rates from State Farm average $22 per month, which is 39% cheaper than the state average. Erie and West Bend are the second cheapest companies for just $3 more a month.

Cheapest car insurance companies in Wisconsin

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Minimum-liability car insurance is the cheapest coverage option available, but it leaves you responsible for any damage or injuries you sustain. Minimum-coverage policies only cover the other driver's injuries or property damage and don't pay for your own injuries or damage, so we recommend that all drivers purchase more coverage than the state requires.

Cheapest WI car insurance companies

Monthly rate
State Farm logo
State Farm$22
Erie logo
West Bend logo
West Bend$25
American Family logo
American Family$26
Progressive logo
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Cheapest full-coverage car insurance in Wisconsin: State Farm

State Farm stands out for its affordable full-coverage quotes in Wisconsin. An annual policy is 40% cheaper than the state average, at $63 per month, or $755 per year.

Wisconsin drivers pay an average of $1,259 per year, or $105 per month, for full-coverage auto insurance.

Cheapest WI car insurance for full coverage

Monthly rate
State Farm$63
West Bend$72
American Family$89
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Full-coverage auto insurance policies include collision and comprehensive insurance as well as liability insurance. This means that your own car is covered in an accident, no matter who is at fault, and in a range of other situations, like crashing into a pole.

While the average cost of a full-coverage insurance policy is significantly higher — $69 per month more than a minimum-coverage quote — most drivers should purchase full coverage, as it ensures your own car is protected from damage. And if you have a car loan or lease, you'll typically be required to have full coverage anyway.

Cheap WI car insurance for drivers with prior incidents

State Farm has some of the cheapest car insurance rates for Wisconsin drivers with tickets, accidents or a DUI. Drivers with previous incidents on their record and drivers with poor credit scores are generally seen as higher-risk drivers by insurance companies and therefore see higher car insurance quotes.

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Cheapest Wisconsin car insurance after a ticket: State Farm

State Farm is the best insurance company for drivers who have received a speeding ticket. State Farm raises its rate by only $5 per month, to $68 total for full coverage. The average annual quote in Wisconsin increases by 29% after a speeding ticket, from $1,259 to $1,623.

Monthly rate
State Farm$68
American Family$89
West Bend$150
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Cheapest car insurance quotes after an accident: State Farm

At $73 per month for full coverage, the cheapest rate for a Wisconsin driver with an at-fault accident comes from State Farm. While the average monthly rate for Wisconsin drivers with an accident is $169, State Farm's rate is 57% cheaper.

Monthly rate
State Farm$73
West Bend$102
American Family$152
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Insurance companies charge higher rates to drivers who have been in an at-fault accident to different degrees, though the average quote increase is 61%. It's a good idea to compare rates after a change in your driving history.

Cheapest Wisconsin car insurance quotes after a DUI: State Farm

Drivers with a DUI in Wisconsin should get quotes from State Farm, which charges an average of $117 per month for full coverage. That's 32% less than the state average after a DUI. Erie also has an affordable rate at $120 per month, or $1,443 per year. Average rates for Wisconsin drivers increase by 62% after a DUI citation.

Monthly rate
State Farm$117
West Bend$142
American Family$162
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Cheapest car insurance for drivers with poor credit: West Bend

West Bend offers the most affordable rates for drivers with poor credit scores. West Bend policyholders with poor credit only pay $128 per month for full coverage — a $79 monthly difference from the state average of $207.

Monthly rate
West Bend$128
American Family$158
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Cheapest car insurance quotes for young drivers in Wisconsin: Erie

Erie offers young drivers the most affordable annual policies for minimum coverage, while State Farm has the best rate for full coverage. Erie's minimum coverage rate is 64% cheaper than average, at $54 per month.

Minimum-coverage auto insurance for 18-year-old Wisconsin drivers is $148 per month on average, which is more than four times more expensive than for 30-year-old drivers.

Cheapest WI car insurance companies for teens

Liability only
Full coverage
State Farm$71$182
American Family$74$209
West Bend$96$243
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Young drivers are statistically more likely to get into an accident than experienced drivers, which causes insurance companies to charge them much higher quotes. These high prices may make some young drivers consider opting for a minimum-coverage policy. A liability-only policy could help you save money on insurance if you don't have an expensive car and don't have a loan or lease. But you could be on the hook for repairs to your own car after an at-fault accident.

Cheapest car insurance for young drivers after a ticket: Erie

Erie offers the most affordable premium for young drivers in Wisconsin with a speeding ticket on their record, at $56 per month for minimum coverage. That makes Erie 64% cheaper than the state average of $171.

Monthly rate
American Family$74
State Farm$79
West Bend$183
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Cheapest car insurance for teen drivers after an accident: Erie

Erie has the best rates for young drivers with an at-fault accident in Wisconsin. At $725 per year or $60 per month for minimum coverage, Erie's average rate is 67% cheaper than the state average.

Young Wisconsin drivers will likely see their car insurance quotes spike after an at-fault accident, with a larger increase than a speeding ticket would cause. For an 18-year-old, a ticket will raise insurance rates by $22 per month, and an accident will increase rates by $35 per month.

Cheapest WI car insurance for teens with an accident history

Monthly rate
State Farm$87
West Bend$114
American Family$137
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Cheapest car insurance for married drivers: State Farm

State offers the best deals to married drivers in Wisconsin, charging $755 a year and $63 a month for full coverage. Insurers offer lower rates to married drivers because they statistically get into fewer accidents than single drivers, making them less risky to insure. Married Wisconsin drivers pay 6% less than single drivers, with an average monthly quote of $99.

Monthly rate per car
State Farm$63
West Bend$67
American Family$89
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Best car insurance companies in Wisconsin

Wisconsin's best insurance company is Erie. Erie offers a strong blend of good customer service and low prices.

Other good car insurance companies include State Farm and Geico. Both have affordable rates for most drivers and good customer support.

Best WI car insurance

Editor's rating
J.D. Power
AM Best
State Farm
American Family
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J.D. Power ranks insurers based on customer claims satisfaction, and Erie got a great score of 870 out of 1,000.

Every company included in our study was given a financial strength rating of A or better from AM Best. AM Best grades companies on their ability to pay out claims, and an A, A+ or A++ indicates an "excellent" or a "superior" ability to pay out claims.

Average car insurance cost in Wisconsin, by city

Brown Deer, an outer Milwaukee suburb, has the highest average insurance cost at $156 per month. Ashwaubenon, outside Green Bay, has the lowest average quote at $87 per month.

In Wisconsin, average annual car insurance quotes can vary by as much as $69 per month, or $821 per year, depending on where you live. Auto insurance in densely populated urban areas costs more than in rural areas because accidents and car theft are more common in large cities.

Average monthly cost
Percent from average
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Minimum requirements for auto insurance coverage in Wisconsin

All insurance policies in Wisconsin must meet minimum coverage limits, which are $25,000 in bodily injury liability coverage per person, $50,000 per accident, the same amount of uninsured motorist bodily injury liability and $10,000 in property damage protection.

Minimum coverage
Bodily injury$25,000 per person and $50,000 per accident
Property damage$10,000 per accident
Uninsured motorist bodily injury$25,000 per person and $50,000 per accident

Most drivers should get more than the minimum liability coverage, especially if they have an expensive car and a daily commute. If you are in an at-fault accident and the cost of injuries or damage is more than these minimum limits, you would be responsible for paying those extra costs.

Frequently asked questions

What is the cheapest car insurance in Wisconsin?

State Farm is the most affordable company for car insurance in Wisconsin, with an average rate of $22 per month for minimum coverage and $63 for full coverage.

How much is car insurance in Wisconsin?

The average price for a minimum-coverage car insurance policy in Wisconsin is $429 per year, or $36 per month. Full coverage costs $1,259 per year, or $105 per month.

How much insurance do I need in Wisconsin?

Minimum coverage for car insurance in Wisconsin includes $25,000 of coverage per person and $50,000 per accident for bodily injury and uninsured motorist coverage and $10,000 for property damage coverage.


We collected thousands of rates from ZIP codes across Wisconsin for the largest insurers in the state. The driver used is a 30-year-old man who drives a 2015 Honda Civic EX and has good credit.

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily injury liability$50,000 per person/$100,000 per accident
Medical payments coverage$10,000
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, we used the minimum required limits in Wisconsin.

For other rate analyses (credit score, accident history and marital status), the base policy listed above was changed to reflect the new driver. For young drivers, a minimum-coverage policy was used unless otherwise noted.

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.

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.