Cheapest Car Insurance Quotes in Wisconsin (2025)
Erie has the cheapest car insurance quotes in Wisconsin, at $103 per month for full coverage and $29 per month for liability only.
Find Cheap Auto Insurance Quotes in Wisconsin
Best cheap car insurance in Wisconsin
How we chose the top companies
Best and cheapest car insurance in Wisconsin
- Cheapest full coverage: Erie, $103/mo
- Cheapest minimum liability: Erie, $29/mo
- Cheapest for young drivers: Erie, $64/mo
- Cheapest after a ticket: Erie, $114/mo
- Cheapest after an accident: State Farm, $136/mo
- Cheapest for teens after a ticket: Erie, $74/mo
- Cheapest after a DUI: Erie, $161/mo
- Cheapest for poor credit: State Farm, $122/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best combination of affordable rates and great customer service in Wisconsin.
Wisconsin drivers should also compare quotes from State Farm. It also has good customer service reviews, is typically cheaper than average and gives you the option for online quotes.
Cheapest Wisconsin auto insurance: Erie
Erie has the most affordable full coverage quotes in Wisconsin.
At $103 per month, full coverage from Erie is $32 per month cheaper than the statewide average. It's also $8 per month less than the second-cheapest option, American Family.
However, American Family has a much better mobile app than Erie. With the small price difference, you should consider getting a quote from American Family if you'd rather manage your policy online than call an agent.
Find Cheap Auto Insurance Quotes in Wisconsin
The average cost of car insurance in Wisconsin is $135 per month for full coverage. That makes it the ninth-cheapest state for full coverage car insurance.
Cheapest Wisconsin insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| Erie | $103 |
| American Family | $111 |
| Acuity | $114 |
| State Farm | $118 |
| Progressive | $146 |
Cheapest liability car insurance in Wisconsin: Erie
Erie has the cheapest rates for a minimum-liability policy in Wisconsin at $29 per month.
That's $15 per month cheaper than the Wisconsin state average of $44 per month. American Family also offers cheap minimum coverage quotes at $31 per month.
Best cheap minimum coverage auto insurance in WI
Company | Monthly rate |
|---|---|
| Erie | $29 |
| American Family | $31 |
| Progressive | $33 |
| State Farm | $35 |
| Geico | $45 |
Find Cheap Auto Insurance Quotes in Wisconsin
Cheapest auto insurance in Wisconsin for teens: Erie
Erie has the most affordable car insurance for young drivers in Wisconsin.
Car insurance from Erie cost less than half the state average for 18-year-old drivers for minimum coverage, at just $64 per month. Full coverage from Erie costs $239 per month, which is hundreds of dollars a month cheaper than the state average.
Best Wisconsin insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $64 | $239 |
| American Family | $84 | $256 |
| Progressive | $100 | $567 |
| Geico | $116 | $388 |
| State Farm | $117 | $335 |
Auto insurance for an 18-year-old driver in Wisconsin is more than triple the cost of coverage for a 30-year-old driver on average. That's because young drivers are more likely to get into an accident than experienced drivers.
These high prices may make some young drivers consider getting a minimum coverage policy. But that is often not a good idea.
Minimum coverage could help you save money on insurance if you don't have an expensive car and don't have a loan or lease. However, you'll have to pay for repairs to your own car if you cause an accident.
The easiest way for young drivers in Wisconsin to find cheap car insurance rates is by sharing a policy with their parents.
Cheap car insurance in WI after a ticket: Erie
Erie is the best insurance company in Wisconsin for drivers with a speeding ticket. A full coverage policy from Erie costs $114 per month after one speeding ticket. That's 33% cheaper than the Wisconsin average, and $13 per month less than the second-cheapest option, State Farm.
Affordable car insurance with a ticket in WI
Company | Monthly rate |
|---|---|
| Erie | $114 |
| State Farm | $127 |
| American Family | $132 |
| Acuity | $160 |
| Geico | $211 |
Wisconsin drivers can expect their car insurance rates to go up by around 26% after one speeding ticket. That's an average increase of $35 per month for full coverage.
Cheapest quotes in WI after an accident: State Farm
State Farm has the best cheap full coverage insurance in Wisconsin after an accident at $136 per month. That's 37% less than the state average, which is $215 per month.
You should also get a quote from Erie. The company's average rates are only slightly higher than State Farm’s, and it offers excellent customer service.
Best prices for Wisconsin car insurance after a crash
Company | Monthly rate |
|---|---|
| State Farm | $136 |
| Erie | $138 |
| American Family | $187 |
| Acuity | $202 |
| Progressive | $235 |
On average, car insurance rates in Wisconsin go up by 59% after an at-fault accident. However, not all companies raise rates by the same amount. State Farm only raises rates by 15% after a crash, while Geico customers can expect an increase of 93%.
It's a good idea to compare rates after a change in your driving history. But don't rush to buy a new policy right after an accident.
Your insurance company typically won't raise your rates until it's time to renew your policy, so you should wait until your current policy is about to expire before making a change.
Cheapest quotes for teens after a ticket or accident: Erie
Erie has the best rates for young drivers with a speeding ticket or at-fault accident in Wisconsin.
Minimum coverage from Erie costs $74 per month for an 18-year-old with one speeding ticket. That's less than half the state average cost, $183 per month.
Teens with an accident on their record pay $79 per month for minimum coverage from Erie, which is much cheaper than the Wisconsin average ($207).
Cheap auto insurance in WI for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $74 | $79 |
| American Family | $116 | $155 |
| State Farm | $130 | $143 |
| Geico | $147 | $196 |
| Progressive | $167 | $171 |
Young drivers in Wisconsin can expect their rates to go up by around 18% after one speeding ticket and 34% after an at-fault accident.
Best cheap auto insurance in Wisconsin after a DUI: Erie
Erie has the most affordable car insurance for drivers with a DUI in Wisconsin. Full coverage from Erie costs $161 per month after a DUI, which is $55 per month cheaper than the statewide average ($216).
Low-priced car insurance in WI with a DUI
Company | Monthly rate |
|---|---|
| Erie | $161 |
| Progressive | $190 |
| American Family | $202 |
| State Farm | $211 |
| Acuity | $235 |
The average cost of car insurance in Wisconsin goes up by 60% after a DUI. That's an average increase of $81 per month for drivers with full coverage insurance.
You may also have to get SR-22 insurance in Wisconsin after a DUI. An SR-22 filing typically comes with a fee between $15 and $50.
Best WI auto insurance for drivers with poor credit: State Farm
State Farm offers the most affordable rates in Wisconsin for drivers with poor credit scores, at $122 per month for full coverage. That's 44% cheaper than the state average ($217), and $49 per month less than the second-cheapest company, American Family.
Cheapest car insurance for bad credit
Company | Monthly rate |
|---|---|
| State Farm | $122 |
| Acuity | $171 |
| American Family | $197 |
| Geico | $229 |
| Erie | $237 |
Your credit score doesn't have anything to do with your driving habits, but it can affect your car insurance rates. Car insurance companies believe that drivers with bad credit are more likely to file a claim in the future. That makes them more expensive to insure.
Best car insurance in Wisconsin
Erie has the best auto insurance in Wisconsin, based on its great customer service and low prices.
Erie customers tend to have positive feedback on their experience with the company. It earned an excellent score on J.D. Power's customer satisfaction survey. Plus, ValuePenguin's editors gave Erie a high score based on its good customer reviews, helpful coverage and affordable rates.
Best WI car insurance
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 657 | A++ | |
| Erie | 700 | A+ | |
| Geico | 637 | A++ | |
| Acuity | NR | A+ | |
| American Family | 660 | A |
Average car insurance cost in Wisconsin by city
Brown Deer, an outer Milwaukee suburb, has the most expensive car insurance in Wisconsin, at $188 per month for full coverage.
Kimberly, a small village outside of Appleton, has the cheapest rates — $109 per month.
Average Wisconsin car insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Abbotsford | $135 | 0% |
| Abrams | $129 | -3% |
| Adams | $142 | 6% |
| Adell | $125 | -6% |
| Afton | $122 | -9% |
In Wisconsin, average car insurance quotes can vary by as much as $80 per month, depending on where you live. Auto insurance in more densely populated urban areas often costs more than in rural areas, as accidents and car theft are more common in large cities.
Minimum car insurance requirements in Wisconsin
All insurance policies in Wisconsin must have a minimum amount of liability and uninsured motorist coverage.
Liability coverage pays for the other driver's injuries and damage if you cause an accident. This requirement is sometimes written as 25/50/10. . Uninsured motorist coverage pays your medical bills if you're hit by a driver who doesn't have insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
What's the best car insurance coverage for Wisconsin?
Full coverage is usually the best option for most Wisconsin drivers.
Full coverage insurance includes coverage to pay for damage to your own vehicle, called comprehensive and collision coverage.
Minimum coverage car insurance is the cheapest coverage option in Wisconsin. However, minimum coverage only pays for the other driver's injuries or property damage — it doesn't cover damage to your car.
The minimum liability limits in Wisconsin also may not be high enough to cover the cost of a major crash. For example, Wisconsin only requires $10,000 of property damage insurance. If you hit an expensive or brand-new car, the minimum amount may not be enough to repair or replace it.
If you have a car loan or lease, your lender will typically require you to have full coverage. You should also consider full coverage if your car is newer than 8 years old, or worth more than $5,000.
Frequently asked questions
What is the cheapest car insurance in Wisconsin?
Erie is the most affordable company for car insurance in Wisconsin. Minimum coverage from Erie costs $29 per month, while full coverage costs $103 per month.
How much is car insurance in Wisconsin per month?
The average price for full coverage car insurance in Wisconsin is $135 per month, or $1,615 per year. Minimum coverage costs $44 per month, or $522 per year.
How much insurance do I need in Wisconsin?
The minimum requirement for car insurance in Wisconsin includes $25,000 of bodily injury liability coverage per person and $50,000 per accident, plus matching uninsured motorist coverage. You’ll also need $10,000 of property damage coverage.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Wisconsin for the largest insurance companies in the state. Rates are for a 30-year-old man who drives a 2015 Honda Civic EX and has good credit.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company 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.
