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.
Best cheap car insurance in Wisconsin
To establish the best cheap car insurance for drivers in Wisconsin, our editorial team collected quotes from top insurance companies across each ZIP code in the state. Quotes for minimum coverage meet Wisconsin's state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident, and $10,000 in property damage protection. Full coverage quotes include comprehensive and collision coverage in addition to higher liability limits than the state minimums.
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. Annual premiums from State Farm average $325 per year, which is 18% cheaper than the state average.
Find Cheap Auto Insurance Quotes in Wisconsin
Wisconsin military members, veterans and their families can buy insurance from USAA, which was the overall cheapest option. 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 | Monthly rate | |
|---|---|---|
| State Farm | $27 |
| American Family | $29 |
| Erie | $29 |
| Secura | $30 |
| Progressive | $33 |
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. 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 | Monthly rate |
|---|---|
| State Farm | $80 |
| Secura | $86 |
| Erie | $95 |
| American Family | $96 |
| Progressive | $99 |
*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.
Find Cheap Auto Insurance Quotes in Wisconsin
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 | Monthly rate |
|---|---|
| State Farm | $93 |
| Secura | $105 |
| Erie | $115 |
| Auto-Owners | $140 |
| Progressive | $160 |
*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 | Monthly rate |
|---|---|
| State Farm | $87 |
| Erie | $95 |
| American Family | $96 |
| Secura | $98 |
| Progressive | $127 |
*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 | Monthly rate |
|---|---|
| Progressive | $110 |
| Erie | $136 |
| State Farm | $158 |
| Allstate | $171 |
| American Family | $176 |
*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 | Monthly rate |
|---|---|
| Secura | $130 |
| Progressive | $150 |
| American Family | $157 |
| Geico | $159 |
| Erie | $187 |
*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 | $63 | $217 |
| Secura | $77 | $204 |
| American Family | $80 | $227 |
| State Farm | $90 | $234 |
| Geico | $105 | $301 |
*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 | Monthly rate |
|---|---|
| Erie | $66 |
| American Family | $80 |
| Secura | $90 |
| State Farm | $99 |
| Geico | $123 |
*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. 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 | Monthly rate |
|---|---|
| Erie | $71 |
| Secura | $94 |
| State Farm | $109 |
| Auto-Owners | $145 |
| American Family | $148 |
*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 | Monthly rate |
|---|---|
| Progressive | $75 |
| Secura | $79 |
| State Farm | $80 |
| Erie | $82 |
| American Family | $96 |
*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 | 857 | A+ | |
| Auto-Owners | 842 | A++ | |
| American Family | 844 | A | |
| Geico | 837 | A++ | |
| State Farm | 851 | A++ | |
| Progressive | 842 | A+ | |
| Allstate | 827 | A+ | |
| Secura | NR | A | |
| USAA | 895 | A++ |
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 monthly cost | Percent from average |
|---|---|---|
| Abbotsford | $99 | 1% |
| Abrams | $95 | -3% |
| Adams | $103 | 6% |
| Adell | $91 | -7% |
| Afton | $92 | -6% |
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.