- According to recent data, Travelers offers the cheapest full coverage car insurance in Wisconsin at $91 per month.
- Wisconsin drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In Wisconsin, the city of Combined Locks has the most affordable car insurance rates at $1,303 annually.
- Comparing price quotes from multiple insurers can help you save up to 35% per year on your car insurance policy in Wisconsin.
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.
Which company offers the cheapest car insurance in Wisconsin?
Travelers offers the cheapest car insurance rates in Wisconsin for a full coverage policy with an average premium of $91 per month or around $1,089 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Wisconsin by different insurance carriers for a full coverage policy.
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.
Who pays a lower insurance premium in Wisconsin?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 9% less than single drivers.
- Wisconsin drivers with clean records pay 43% less than drivers who have a DUI on their records.
- 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 insurers for different coverage levels in Wisconsin
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest state minimum coverage in Wisconsin
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Wisconsin, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Wisconsin, ranked from cheapest to most expensive for 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
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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 in Wisconsin after a DUI conviction
State Farm offers the cheapest car insurance to Wisconsin drivers with a DUI conviction at $1,351 per year and American Family has the second-cheapest insurance premiums at $1,546 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of 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 in Wisconsin after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,459 annually.
Auto-Owners is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,569.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased 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
Which cities in Wisconsin have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Wisconsin is Combined Locks, at $1,303 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Wisconsin with the lowest auto 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 |
A detailed guide on the 10 most important 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
Car insurance discounts in Wisconsin can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Wisconsin.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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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