Cheap Car Insurance Wisconsin

Since insurance coverage rates are significantly cheaper in Wisconsin than the national average, you have a good chance at finding great car insurance at excellent rates. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheapest Wisconsin Insurance Companies

Geico, State Farm, West Bend Mutual and Progressive are the cheapest Wisconsin insurance companies. Below, we provide the overall and cost ratings for each provider.

Top Wisconsin Car Insurance Companies	Overall Rating	Cost Rating	Learn More
Geico Learn More	9.1	9.1	Learn More
State Farm Learn More	9.4	9.3	Learn More
Secura Insurance	8.1	9.0
West Bend Mutual	9.2	9.3

Top Wisconsin Car Insurance Companies	Overall Rating	Cost Rating	Learn More
Geico Learn More	9.1	9.1	Learn More
State Farm Learn More	9.4	9.3	Learn More
Secura Insurance	8.1	9.0
West Bend Mutual	9.2	9.3

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Wisconsin.

Cheap Wisconsin Car Insurance Coverage

The car insurance coverage level you choose can significantly impact your rates. Most quotes from providers include estimates for liability coverage and full coverage car insurance. While you are only required to purchase minimum liability coverage, consider looking into a full coverage policy for extra protection on the road.

Cheap Liability Insurance Wisconsin

At $20 per month or $242 per year, Geico Insurance tends to provide the cheapest liability insurance in Wisconsin on average. Geico and Erie Insurance also provide affordable rates for Wisconsin drivers.

Cheap Full Coverage Insurance Wisconsin

Based on our rate estimates, Geico provides the cheapest full coverage insurance in Wisconsin, costing an average of $88 per month or $1,059 per year. State Farm and Secura can also be a strong choice for drivers.

Several factors impact the cost of car insurance in Wisconsin, including age, driving history and a person’s credit scores. Below, we compare cheap car insurance estimates for Wisconsin drivers in these categories.

Cheapest Car Insurance for Young Drivers in Wisconsin

Young drivers can pay significantly more for car insurance than older adults. The series of tables below show the cheapest car insurance for young drivers in Georgia, along with estimated monthly and annual costs.

Cheap Wisconsin Car Insurance for 16-Year-Olds

According to our estimates, 16-year-olds in Wisconsin pay about $8,434 per year for full coverage car insurance if they have their own policy. Many families prefer to include teen drivers on their family plans to save money.

Cheap Wisconsin Car Insurance for 17-Year-Olds

Wisconsin auto insurance for 17-year-olds decreases to $5,242 per year. While this is still expensive, teens can typically find cheaper rates from companies like State Farm and Auto-Owners. 

*Data taken from 2022 information

Cheap Wisconsin Car Insurance for 18-Year-Olds

According to our estimates, 18-year-old drivers in Wisconsin pay about $4,630 per year for full coverage insurance. Some companies are more affordable on average, including Geico, State Farm and Erie Insurance. 

*Data taken from 2022 information

Cheap Wisconsin Car Insurance for 21-Year-Olds

Our estimates show 21-year-olds pay about $2,064 per year for full coverage insurance in Wisconsin. This is significantly lower than what teens pay. Geico, State Farm and Auto-Owners have the lowest rates on average.

*Data taken from 2022 information

Cheap Wisconsin Car Insurance for 25-Year-Olds

Car insurance rates start to level off for 25-year-old drivers. Our estimates show full coverage insurance costs about $1,954 per year for this age group.

Cheap Wisconsin Car Insurance for High-Risk Drivers

Car insurance companies base prices on the risk that you’ll file a claim, so they take into account accidents, speeding tickets, an instance of driving under the influence (DUI) and even your credit record.

Cheap Wisconsin Car Insurance for Drivers With a Speeding Ticket

Having a speeding ticket in your driving history will increase your rates to an average of $1,203 per year. State Farm, Secura and Erie offer the most affordable auto insurance coverage, at less than $1,000 per year on average.

Cheap Wisconsin Car Insurance for Drivers With a Recent Accident

A recent at-fault accident will cause your rates for car insurance in Wisconsin to increase. Wisconsin drivers can expect average auto insurance costs of $2,516 per year after a car crash.

Cheap Wisconsin Car Insurance for Drivers With a DUI

While there are many crucial reasons to avoid a DUI, yet another one to consider is to keep down your rates for car insurance in Wisconsin. Drivers pay an average of $2,605 per year for full coverage after receiving a DUI violation.

Cheap Wisconsin Car Insurance for Drivers With Poor Credit

A poor credit score causes car insurance rates in Wisconsin to soar to an average of $3,586 per year. If you’re looking to pay low prices for auto coverage, you’ll need to maintain a good credit history.

For those who would like to know about the cheapest auto insurance in the Wisconsin, the sections below contain more detailed information:

The standard cost for full coverage car insurance in Wisconsin is $1,694 per year, or around $141 per month. Badger State motorists typically pay significantly less than the national average of $2,008 annually.

The cheapest car insurance in Wisconsin is state minimum liability coverage. Our estimates show good drivers pay about $408 per year or $34 per month on average for minimum coverage. 

Wisconsin Car Insurance Cost by Age

Age is one of the most significant factors that determines car insurance costs. Due to their lack of driving experience, teens in Wisconsin may pay up to quadruple what middle-aged drivers pay for car insurance.

Wisconsin Car Insurance Cost by City

Most drivers pay reasonable rates for car insurance in Wisconsin. The main exception is for motorists in Milwaukee, who usually get charged hundreds more than those across the rest of the state.

*Average rates by city are based on the three most popular providers per location

Factors that Affect Wisconsin Auto Insurance Rates

It’s common for car insurance costs in Wisconsin to vary significantly based on personalized factors.

Some of the factors that influence the cost of auto insurance policies include:

• Location
• Vehicle
• Age, gender and marital status
• Driving history
• Credit score
• Coverage options such as collision coverage and comprehensive coverage
• Bundling options with homeowners and renters insurance
• Chosen deductible

Because auto insurance rates vary considerably based on personal factors, it’s smart to get free quotes from multiple providers at once. Then, you’ll be able to compare auto insurance policies to figure out which ones offer you the most affordable car insurance coverage.

Every Wisconsin driver must at least meet the state’s minimum coverage limits. The levels of coverage required by Wisconsin law include:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $10,000 per accident
• Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

Wisconsin is an at-fault state, so whoever causes a car accident is responsible for covering all damages that occur. Motorists in Wisconsin are not required to carry personal injury protection (PIP) or medical payments coverage. 

If you’re interested in increasing your coverage beyond the state minimum liability standards, it’s also smart to consider adding comprehensive insurance and collision coverage.

How To Get Car Insurance in Wisconsin

You’ll want to check out Geico, State Farm and Erie Insurance if you’re in the market for the cheapest car insurance in Wisconsin. Remember, though, that comparing car insurance quotes from multiple providers is the best way to uncover your cheapest rates.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Wisconsin. We also looked at average cost of car insurance and coverage requirements in the Badger State.

Here are the frequently asked questions on the cheapest car insurance in Wisconsin.

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.