The cheapest full coverage car insurance in Wisconsin is $91 , saving you $48 compared to the average cost of insurance in the state, which is around $139 per month.

CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Wisconsin, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.

“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.

Key Highlights
  • 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.
author-img
Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author
Reviewed by:
Laura Longero
reviewer icon
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Car insurance companies with cheap car insurance 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 auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.

The table below provides the cheapest full coverage insurance quotes in Wisconsin. We’ve gathered rates from different insurance companies to help you find the most affordable option.

Cheapest car insurance rates in Wisconsin per month

CompanyFull 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 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.
Tip iconTip

If 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

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 CoverageMinimum 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.

CompanyState 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.

CompanyLiability 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. 

In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.

The table below lists major insurance providers in Wisconsin based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.

CompanyFull 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

Your driving history affects how much you pay for insurance in Wisconsin because insurance companies use it to assess the risk associated with insuring a driver. 

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.

CompanyRates Before SpeedingAfter Speeding (1-29 mph over limit)% Difference$ Difference
State Farm$1,243$1,3519%$108
American Family$1,188$1,54630%$357
Travelers$1,092$1,65251%$560
Geico$871$1,69294%$821
Nationwide$1,079$1,75062%$670
Farmers$1,813$2,39432%$581
Allstate$2,066$2,54823%$482
Auto-Owners$1,341$2,771107%$1,430
Automobile Club of MI (AAA)$1,340$2,891116%$1,551
Progressive$2,230$3,07038%$840
Kemper Insurance$3,312$4,03122%$719
Auto Club Enterprises (AAA)$2,108$4,628119%$2,519
USAA*$793$92417%$132

Note: USAA is only available to military community members and their families.

Cheapest car insurance in Wisconsin after a DUI conviction

CarInsurance.com analyzed insurance rates for Wisconsin drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,351 . American Family is the second-cheapest insurer at an average of $1,546 per year.

Drivers with clean driving records can expect to pay an average of 43% less than those with a history of DUI.

Company Rates Before DUIRates After a DUI% Difference$ Difference
State Farm$1,243$1,3519%$108
American Family$1,188$1,54630%$357
Travelers$1,092$1,72958%$637
Geico$871$2,194152%$1,323
Erie Insurance$1,561$2,25845%$696
Nationwide$1,079$2,336116%$1,256
Farmers$1,813$2,48237%$669
Auto-Owners$1,341$2,53289%$1,192
Progressive$2,230$2,60417%$374
Allstate$2,066$2,63027%$564
Kemper Insurance$3,312$3,4765%$164
Automobile Club of MI (AAA)$1,340$6,407378%$5,067
Auto Club Enterprises (AAA)$2,108$10,543400%$8,435
USAA*$793$1,44182%$648

Note: USAA is only available to military community members and their families.

Cheap car insurance rates after an at-fault accident in Wisconsin

The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,459 a year.

On the other hand, Auto-Owners offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at 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.

CompanyRates Before AccidentRates After Accident% Difference$ Difference
State Farm$1,243$1,45917%$216
Auto-Owners$1,341$1,56917%$229
Travelers$1,092$1,60247%$510
Geico$871$1,72098%$850
Nationwide$1,079$1,81168%$732
Erie Insurance$1,561$1,91022%$349
Farmers$1,813$2,58843%$775
Automobile Club of MI (AAA)$1,340$2,711102%$1,371
Allstate$2,066$3,52571%$1,459
Progressive$2,230$3,87774%$1,647
Auto Club Enterprises (AAA)$2,108$4,328105%$2,219
Kemper Insurance$3,312$5,00751%$1,695
USAA*$793$1,14544%$353

Note: USAA is only available to military community members and their families.

Cheapest car insurance rates by state

Which cities in Wisconsin have the lowest auto insurance rates?

Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.

In Wisconsin, Combined Locks stands out as the city with the lowest auto insurance rates, at an average of $1,303 per year.

Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.

Below is a list of cities in Wisconsin with the lowest auto insurance rates.

CityFull 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

Average savings on car insurance in Wisconsin

Shopping around for car insurance quotes in Wisconsin can help drivers save 35% annually on full coverage policies.

How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.

Car insurance discounts in Wisconsin: Save on premiums

In Wisconsin, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Wisconsin below.

Discount Type% Difference$ Difference
Anti-theft device2%$23
Daily commute4%$64
Days advanced purchase8%$136
Days per week driven3%$36
Education8%$122
Electronic funds transfer5%$73
Homeowner9%$144
Lower annual mileage5%$89
Loyalty – years renewal with company8%$116
Marital status9%$151
Multi policy11%$185
Paperless/electornic documents5%$93
Payment type8%$133
Primary use7%$103
Profession10%$173
Safety devices3%$51
Telematics13%$230
Years insured30%$1,096
Years licensed26%$1,038

Final thoughts 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.

It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.

To get affordable car insurance in Wisconsin, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.

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.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Please Enter Valid Question. Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
Please Enter Valid Email.
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.
Compare top carriers in your area Get quotes near you!
Please enter valid zip
author image
Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.