Best Car Insurance Quotes in Wisconsin (2022)

Best Car Insurance Quotes in Wisconsin (2022)

State Farm had the best cheap car insurance in Wisconsin, at $325 per year and $27 per month for minimum-liability quotes.

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Wisconsin has some of the cheapest car insurance costs in the US. The average cost of car insurance in Wisconsin is $396 per year or $33 per month for minimum liability. Full coverage costs $1,175 per year, which is 40% cheaper than the average car insurance quote across the US, at $1,956 per year.

Cheapest car insurance quotes in Wisconsin: State Farm

State Farm offers Wisconsin drivers the cheapest rates for a minimum-liability policy. Annual premiums from State Farm average $325 per year, which is 18% cheaper than the state average.

Cheapest car insurance companies in Wisconsin

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Wisconsin military members, veterans and their families can buy insurance from USAA, which was the overall cheapest option. We found that average annual premiums from USAA are $101 per year less expensive than State Farm and 43% less expensive than the state average.

Minimum-liability car insurance is the cheapest coverage option available, but it leaves you responsible for any damages 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 damages, so we recommend that all drivers purchase more coverage than what the state requires.

Company
Annual rate
Monthly rate
State Farm$325$27
American Family$343$29
Erie$350$29
Secura$363$30
Progressive$401$33
Auto-Owners$462$39
Geico$489$41
Allstate$605$50
USAA$224$19

USAA is only available to current and former military members and their families.

Cheapest full-coverage car insurance in Wisconsin: State Farm

State Farm stands out for its affordable full-coverage quotes in Wisconsin. We found that an annual policy is 18% cheaper than the state average, at $963 annually and $80 monthly.

Wisconsin drivers pay an average of $1,175 per year, or $98 per month, for full-coverage auto insurance.

Company
Annual rate
Monthly rate
State Farm$963$80
Secura$1,030$86
Erie$1,135$95
American Family$1,156$96
Progressive$1,185$99
Auto-Owners$1,351$113
Geico$1,400$117
Allstate$1,655$138
USAA$701$58

USAA is only available to current and former military members and their families.

Full-coverage auto insurance policies include collision and comprehensive insurance as well as liability insurance. This means that your own car is covered in both on-road and off-road accidents, no matter who is at fault.

While the average cost of a full-coverage insurance policy is significantly higher — $779 more than a minimum-coverage quote — we recommend that most drivers 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 car insurance for drivers with prior incidents

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 car insurance quotes after an accident: State Farm

The cheapest rates for a Wisconsin driver with an at-fault accident came from State Farm. While the average annual rate for Wisconsin drivers with an accident was $1,728, State Farm's rates were $614 cheaper; drivers only paid $1,115 a year and $93 a month.

Company
Annual rate
Monthly rate
State Farm$1,115$93
Secura$1,259$105
Erie$1,383$115
Auto-Owners$1,685$140
Progressive$1,922$160
American Family$1,957$163
Geico$2,536$211
Allstate$2,737$228
USAA$962$80

USAA is only available to current and former military members and their families.

Insurance companies penalize drivers who have been in an at-fault accident to varying degrees, though the average quote increase is 47%. State Farm only raised rates by $152 after an at-fault accident, but Geico increased them by more than $1,000, from $1,400 before an accident to $2,536 after an accident. Given these differences, we urge drivers to compare rates after a change in their driving history.

Cheapest car insurance after a speeding ticket: State Farm

Average annual quotes in Wisconsin increase by 17% after a speeding ticket, from $1,175 to $1,370. State Farm and Erie are the best insurers for drivers who have received a speeding ticket. State Farm raised rates $76 per year, while Erie raised rates even less.

Company
Annual rate
Monthly rate
State Farm$1,039$87
Erie$1,135$95
American Family$1,156$96
Secura$1,179$98
Progressive$1,525$127
Auto-Owners$1,685$140
Geico$1,799$150
Allstate$1,997$166
USAA$816$68

USAA is only available to current and former military members and their families.

Cheapest car insurance quotes after a DUI: Progressive

Average rates for Wisconsin drivers increase by 69% after a DUI citation. Drivers with a DUI should get quotes from Progressive, which charged an average of $1,323 per year or $126 per month. That's 33% less than the state average after a DUI. Erie also had affordable rates at $1,629 per year.

Company
Annual rate
Monthly rate
Progressive$1,323$110
Erie$1,629$136
State Farm$1,901$158
Allstate$2,057$171
American Family$2,110$176
Secura$2,192$183
Geico$2,478$206
Auto-Owners$2,938$245
USAA$1,260$105

USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with poor credit: SECURA

SECURA offers the most affordable rates to drivers with poor credit scores. The average rate for Wisconsin drivers with poor credit is $2,312, but SECURA policyholders only pay $1,557 annually — a $755 difference.

Company
Annual rate
Monthly rate
Secura$1,557$130
Progressive$1,801$150
American Family$1,887$157
Geico$1,909$159
Erie$2,242$187
Allstate$2,434$203
State Farm$3,764$314
Auto-Owners$4,042$337
USAA$1,169$97

USAA is only available to current and former military members and their families.

Cheapest car insurance for married drivers: Progressive

We found that married Wisconsin drivers pay 5% less than single drivers, with average annual quotes of $1,112. Progressive offers the best deals to these drivers, charging $905 a year and $75 a month. Insurers offer lower rates to married drivers because they statistically get into fewer accidents than single drivers, making them less risky to insure.

Company
Annual rate
Monthly rate
Progressive$905$75
Secura$945$79
State Farm$963$80
Erie$986$82
American Family$1,156$96
Auto-Owners$1,351$113
Geico$1,452$121
Allstate$1,619$135
USAA$632$53

USAA is only available to current and former military members and their families.

Cheapest car insurance quotes for young drivers in Wisconsin: Erie

Erie offers young drivers the most affordable annual policies for minimum coverage, while SECURA has the best rate for full coverage. Erie's minimum coverage rates are 38% cheaper than average at $754 per year.

Full-coverage auto insurance for 18-year-old Wisconsin drivers is $3,231 on average, making it 175% more expensive than for 30-year-old drivers.

Company
Liability only
Full coverage
Erie$754$2,607
Secura$924$2,453
American Family$963$2,723
State Farm$1,076$2,808
Geico$1,261$3,610
Auto-Owners$1,745$3,697
Allstate$1,759$3,962
Progressive$2,003$5,584
USAA$546$1,636

USAA is only available to current and former military members and their families.

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.

Cheapest car insurance for young drivers after a ticket: Erie

Rates for young drivers are already high, but a speeding ticket will lead them to go up even more. Erie offers the most affordable premiums to young drivers with a speeding ticket on their records, at $791 per year for minimum coverage. That makes Erie 42% cheaper than the state average of $1,354.

Company
Annual rate
Monthly rate
Erie$791$66
American Family$963$80
Secura$1,082$90
State Farm$1,193$99
Geico$1,476$123
Auto-Owners$1,745$145
Progressive$2,136$178
Allstate$2,181$182
USAA$617$51

USAA is only available to current and former military members and their families.

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 $847 per year and $71 per month for minimum coverage, Erie's rates were 45% cheaper than the state average.

Young Wisconsin drivers will likely see their car insurance quotes spike after an at-fault accident, notably more than a speeding ticket. We found that the average cost of car insurance for young drivers with a speeding ticket is $1,552 annually — $327 more than it is for young drivers with clean records, and $199 more than for young drivers with a speeding ticket on their records.

Company
Annual rate
Monthly rate
Erie$847$71
Secura$1,125$94
State Farm$1,311$109
Auto-Owners$1,745$145
American Family$1,770$148
Geico$1,981$165
Allstate$2,243$187
Progressive$2,304$192
USAA$646$54

USAA is only available to current and former military members and their families.

Best car insurance companies in Wisconsin

Wisconsin's best insurance company is Erie, based on a high rating from our editors, plus strong marks from the J.D. Power Customer Satisfaction survey and AM Best's financial stability grades.

Erie offers a strong blend of good customer service and low prices. Other good companies in the state include Auto-Owners and State Farm. Drivers who qualify for USAA can also get top-flight customer service.

Company
Editor's rating
JD Power
AM Best
Erie
857A+
Auto-Owners
842A++
American Family
844A
Geico
837A++
State Farm
851A++
Progressive
842A+
Allstate
827A+
Secura
NRA
USAA
895A++

J.D. Power ranks insurers based on customer claims satisfaction, and Erie got a great score of 857 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 rate at $1,586 per year. Ashwaubenon, outside Green Bay, has the lowest average quote at $986 per year.

In Wisconsin, average annual car insurance quotes can vary by as much as $559 per year, depending on where you live in the state. Auto insurance in densely populated urban areas costs more than in rural areas because accidents and auto theft are more common in large cities.

City
Average annual cost
Percent from average
Abbotsford$1,1861%
Abrams$1,139-3%
Adams$1,2416%
Adell$1,091-7%
Afton$1,110-6%
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Minimum requirements for auto insurance coverage in Wisconsin

All insurance policies in Wisconsin must include minimum coverage limits:

Liability
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

We strongly recommend that drivers carry more than the minimum liability insurance. If you are in an at-fault accident and the cost of injuries or damages exceeds these minimum limits, you would be responsible for those extra costs.

Recap of the cheapest auto insurance in Wisconsin

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After a speeding ticket: State Farm
  • After an at-fault accident: State Farm
  • After a DUI: State Farm
  • Poor credit history: Secura
  • Married drivers: Progressive
  • Young drivers: Erie
  • Young drivers after a ticket: Erie
  • Young drivers after an accident: Erie

Frequently asked questions

What is the cheapest car insurance in Wisconsin?

State Farm is the most affordable option for car insurance in Wisconsin, with an average rate of $325 per year for minimum coverage.

How much is car insurance in Wisconsin?

The average price for a minimum-coverage car insurance policy in Wisconsin is $396 per year, or $33 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, $10,000 for property damage and $25,000 per person and $50,000 per accident for uninsured motorist coverage.

Methodology

We collected thousands of rates from ZIP codes across Wisconsin for the largest insurers in the state. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

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

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$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 quoted a policy with the minimum required limits in Wisconsin.

For other rates analyses (age, credit score, accident history and marital status), the base policy listed was changed to reflect the new driver.

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.