You can find the cheapest full-coverage car insurance in Wisconsin for $91 a month from Travelers. It saves you $48 compared to the state average car insurance cost of $139 monthly.
Shopping for car insurance in Wisconsin can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in Wisconsin should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Travelers stands out as the cheapest option for full coverage car insurance in Wisconsin, with an insurance premium of $91 per month.
- Drivers in Wisconsin with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Wisconsin is Combined Locks, with an annual premium of $1,303.
- Wisconsin drivers can save up to 35% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Wisconsin?
Based on data analysis by CarInsurance.com, Travelers provides the cheapest full coverage auto insurance rates for Wisconsin drivers at a monthly rate of $91 or $1,089 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Wisconsin.
Cheapest car insurance rates in Wisconsin per month
| Company | Full coverage monthly rates |
|---|---|
| Travelers | $91 |
| Geico | $100 |
| Nationwide | $107 |
| Erie Insurance | $109 |
| West Bend Mutual | $114 |
| Acuity Insurance | $161 |
| Progressive | $177 |
| Farmers | $178 |
| State Farm | $198 |
| Allstate | $210 |
| USAA* | $82 |
Note: USAA is only available to military community members and their families.
Wisconsin drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- Wisconsin drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Wisconsin drivers in their 20s pay 64% lower rates for insurance than a 16-year-old in Wisconsin.
- Adding a teen to your policy will cost you 61% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 32% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 3% for this state more on their premiums.
Cheapest Wisconsin companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Erie Insurance is the cheapest for a state minimum policy.
- Erie Insurance has the cheapest rates for a liability-only policy (50/100/50).
- Travelers offers the cheapest car insurance for a full coverage policy (100/300/100) in Wisconsin.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Wisconsin
Wisconsin requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Wisconsin, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Erie Insurance | $207 |
| Geico | $215 |
| West Bend Mutual | $296 |
| Acuity Insurance | $314 |
| Travelers | $319 |
| Nationwide | $337 |
| Progressive | $371 |
| State Farm | $438 |
| Farmers | $566 |
| Allstate | $747 |
| USAA* | $215 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Wisconsin
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Wisconsin, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Erie Insurance | $241 |
| Geico | $250 |
| West Bend Mutual | $320 |
| Nationwide | $346 |
| Acuity Insurance | $352 |
| Travelers | $372 |
| Progressive | $433 |
| State Farm | $519 |
| Farmers | $782 |
| Allstate | $816 |
| USAA* | $249 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Wisconsin
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Wisconsin, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Travelers | $1,089 |
| Geico | $1,195 |
| Nationwide | $1,287 |
| Erie Insurance | $1,313 |
| West Bend Mutual | $1,373 |
| Acuity Insurance | $1,933 |
| Progressive | $2,128 |
| Farmers | $2,139 |
| State Farm | $2,378 |
| Allstate | $2,515 |
| USAA* | $984 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Wisconsin by driving history
In Wisconsin, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Wisconsin, drivers with a history of such violations typically pay $817 more annually than drivers with clean records.
Cheap car insurance rates in Wisconsin after a speeding ticket
A speeding ticket can impact your Wisconsin car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,351 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,243 | $1,351 | 9% | $108 |
| American Family | $1,188 | $1,546 | 30% | $357 |
| Travelers | $1,092 | $1,652 | 51% | $560 |
| Geico | $871 | $1,692 | 94% | $821 |
| Nationwide | $1,079 | $1,750 | 62% | $670 |
| Farmers | $1,813 | $2,394 | 32% | $581 |
| Allstate | $2,066 | $2,548 | 23% | $482 |
| Auto-Owners | $1,341 | $2,771 | 107% | $1,430 |
| Automobile Club of MI (AAA) | $1,340 | $2,891 | 116% | $1,551 |
| Progressive | $2,230 | $3,070 | 38% | $840 |
| Kemper Insurance | $3,312 | $4,031 | 22% | $719 |
| Auto Club Enterprises (AAA) | $2,108 | $4,628 | 119% | $2,519 |
| USAA* | $793 | $924 | 17% | $132 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Wisconsin after a DUI conviction
Wisconsin drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,351 a year, followed by American Family with an annual premium of $1,546 annually, based on recent data.
If you have a clean record, you are likely to pay 43% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,243 | $1,351 | 9% | $108 |
| American Family | $1,188 | $1,546 | 30% | $357 |
| Travelers | $1,092 | $1,729 | 58% | $637 |
| Geico | $871 | $2,194 | 152% | $1,323 |
| Erie Insurance | $1,561 | $2,258 | 45% | $696 |
| Nationwide | $1,079 | $2,336 | 116% | $1,256 |
| Farmers | $1,813 | $2,482 | 37% | $669 |
| Auto-Owners | $1,341 | $2,532 | 89% | $1,192 |
| Progressive | $2,230 | $2,604 | 17% | $374 |
| Allstate | $2,066 | $2,630 | 27% | $564 |
| Kemper Insurance | $3,312 | $3,476 | 5% | $164 |
| Automobile Club of MI (AAA) | $1,340 | $6,407 | 378% | $5,067 |
| Auto Club Enterprises (AAA) | $2,108 | $10,543 | 400% | $8,435 |
| USAA* | $793 | $1,441 | 82% | $648 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Wisconsin
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,459.
Auto-Owners is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,569.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,243 | $1,459 | 17% | $216 |
| Auto-Owners | $1,341 | $1,569 | 17% | $229 |
| Travelers | $1,092 | $1,602 | 47% | $510 |
| Geico | $871 | $1,720 | 98% | $850 |
| Nationwide | $1,079 | $1,811 | 68% | $732 |
| Erie Insurance | $1,561 | $1,910 | 22% | $349 |
| Farmers | $1,813 | $2,588 | 43% | $775 |
| Automobile Club of MI (AAA) | $1,340 | $2,711 | 102% | $1,371 |
| Allstate | $2,066 | $3,525 | 71% | $1,459 |
| Progressive | $2,230 | $3,877 | 74% | $1,647 |
| Auto Club Enterprises (AAA) | $2,108 | $4,328 | 105% | $2,219 |
| Kemper Insurance | $3,312 | $5,007 | 51% | $1,695 |
| USAA* | $793 | $1,145 | 44% | $353 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Wisconsin cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Combined Locks is the city with the lowest premiums in Wisconsin at an annual auto insurance rate of $1,303.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Wisconsin cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Combined Locks | $1,303 |
| Neenah | $1,304 |
| Kimberly | $1,306 |
| Menasha | $1,307 |
| Little Chute | $1,311 |
| Howard | $1,317 |
| Appleton | $1,318 |
| De Pere | $1,322 |
| Kaukauna | $1,322 |
| Green Bay | $1,325 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Wisconsin?
By comparing car insurance quotes, you can save an average of 35% per year for a full coverage policy in Wisconsin.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Wisconsin: Save on premiums
Wisconsin drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Wisconsin.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 2% | $23 |
| Daily commute | 4% | $64 |
| Days advanced purchase | 8% | $136 |
| Days per week driven | 3% | $36 |
| Education | 8% | $122 |
| Electronic funds transfer | 5% | $73 |
| Homeowner | 9% | $144 |
| Lower annual mileage | 5% | $89 |
| Loyalty – years renewal with company | 8% | $116 |
| Marital status | 9% | $151 |
| Multi policy | 11% | $185 |
| Paperless/electornic documents | 5% | $93 |
| Payment type | 8% | $133 |
| Primary use | 7% | $103 |
| Profession | 10% | $173 |
| Safety devices | 3% | $51 |
| Telematics | 13% | $230 |
| Years insured | 30% | $1,096 |
| Years licensed | 26% | $1,038 |
The bottom line on cheap car insurance in Wisconsin
Based on our research, if you are a good driver, Travelers is the cheapest in Wisconsin for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Wisconsin is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Wisconsin for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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