- GEICO has the cheapest car insurance rates in Wisconsin for full coverage at $134 a month among the companies analyzed by the team of CarInsurance.com.
- In Wisconsin, drivers with clean driving records pay 89% less than drivers with a DUI.
- The city of Appleton has the lowest auto insurance rates in Wisconsin, with an average premium of $1,839 per year.
- You can save up to 31% per year on your car insurance policy in Wisconsin by comparing price quotes from multiple insurers.
The cheapest car insurance in Wisconsin costs $134 per month for a full coverage policy from GEICO. That’s a $61 savings from the average cost of insurance in the state, which is $195 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Wisconsin including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance rates in Wisconsin?
Based on data analysis by CarInsurance.com, GEICO provides the cheapest full coverage auto insurance rates for Wisconsin drivers at a monthly rate of $134 or $1,607 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 |
|---|---|
| GEICO | $134 |
| Nationwide | $152 |
| Erie Insurance | $161 |
| Rural Mutual Insurance | $165 |
| Auto-Owners | $198 |
| West Bend Insurance Company | $220 |
| Farmers | $236 |
| Allstate | $243 |
| Acuity Insurance | $249 |
Who pays the lowest auto insurance premiums in Wisconsin?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Wisconsin drivers with clean records pay 89% less than drivers who have a DUI on their record.
- Wisconsin drivers in their 20s pay 69% lower rates for insurance than a 16-year-old in Wisconsin.
- Adding a teen to your policy will cost you 57% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 35% less on their insurance premiums.
- Drivers insured for three or more years can save up to 41% 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 4% for this state more on their premiums.
Cheapest companies for different coverage levels in Wisconsin
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- GEICO is the cheapest for a state minimum policy.
- Rural Mutual Insurance has the cheapest rates for a liability-only policy (50/100/50).
- GEICO offers the cheapest car insurance for a full coverage policy (100/300/100) in Wisconsin.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as 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 |
|---|---|
| GEICO | $286 |
| Rural Mutual Insurance | $310 |
| Erie Insurance | $404 |
| Acuity Insurance | $492 |
| Auto-Owners | $593 |
| Nationwide | $640 |
| West Bend Insurance Company | $657 |
| Farmers | $840 |
| Allstate | $905 |
Cheapest insurance providers for liability-only coverage in Wisconsin
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Wisconsin, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $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 |
|---|---|
| Rural Mutual Insurance | $379 |
| GEICO | $380 |
| Erie Insurance | $462 |
| Auto-Owners | $666 |
| Nationwide | $680 |
| Acuity Insurance | $684 |
| West Bend Insurance Company | $704 |
| Allstate | $992 |
| Farmers | $1,175 |
Cheapest full coverage car insurance in Wisconsin
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 following table lists the average annual rates of major insurance companies in Wisconsin from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| GEICO | $1,607 |
| Nationwide | $1,824 |
| Erie Insurance | $1,926 |
| Rural Mutual Insurance | $1,983 |
| Auto-Owners | $2,379 |
| West Bend Insurance Company | $2,637 |
| Farmers | $2,834 |
| Allstate | $2,916 |
| Acuity Insurance | $2,994 |
Learn more about who has the cheapest full coverage auto insurance
Speak with a friendly agent and get your quote in minutes!
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.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,251 more annually in Wisconsin than an individual with a clean driving record.
Cheap car insurance in Wisconsin after a speeding ticket
If you have a speeding ticket on your Wisconsin driving record and you are looking for cheap car insurance, Erie Insurance offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $2,126 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Erie Insurance | $1,926 | $2,126 | 10% | $200 |
| Rural Mutual Insurance | $1,983 | $2,460 | 24% | $477 |
| West Bend Insurance Company | $2,637 | $2,975 | 13% | $338 |
| Auto-Owners | $2,379 | $3,083 | 30% | $704 |
| GEICO | $1,607 | $3,248 | 102% | $1,641 |
| Nationwide | $1,824 | $3,290 | 80% | $1,466 |
| Allstate | $2,916 | $3,382 | 16% | $466 |
| Farmers | $2,834 | $3,694 | 30% | $860 |
| Acuity Insurance | $2,994 | $5,711 | 91% | $2,717 |
Cheapest car insurance in Wisconsin after a DUI conviction
West Bend Insurance Company offers the cheapest car insurance to Wisconsin drivers with a DUI conviction at $2,885 per year and Erie Insurance has the second-cheapest insurance premiums at $3,496 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 89% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| West Bend Insurance Company | $2,637 | $2,885 | 9% | $248 |
| Erie Insurance | $1,926 | $3,496 | 82% | $1,570 |
| Allstate | $2,916 | $3,754 | 29% | $838 |
| Farmers | $2,834 | $3,853 | 36% | $1,019 |
| GEICO | $1,607 | $3,993 | 148% | $2,386 |
| Nationwide | $1,824 | $4,498 | 147% | $2,674 |
| Auto-Owners | $2,379 | $4,579 | 92% | $2,200 |
| Acuity Insurance | $2,994 | $6,341 | 112% | $3,347 |
| Rural Mutual Insurance | $1,983 | $6,395 | 222% | $4,412 |
Cheap car insurance rates in Wisconsin after an at-fault accident
If you’re a driver with an at-fault accident on your record, Rural Mutual Insurance is the cheapest option, offering car insurance at an average cost of $2,695 annually.
West Bend Insurance Company is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $2,772 .
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 |
|---|---|---|---|---|
| Rural Mutual Insurance | $1,983 | $2,695 | 36% | $712 |
| West Bend Insurance Company | $2,637 | $2,772 | 5% | $135 |
| Auto-Owners | $2,379 | $2,801 | 18% | $422 |
| Erie Insurance | $1,926 | $2,810 | 46% | $884 |
| Nationwide | $1,824 | $3,271 | 79% | $1,447 |
| GEICO | $1,607 | $3,510 | 118% | $1,903 |
| Farmers | $2,834 | $4,012 | 42% | $1,178 |
| Allstate | $2,916 | $4,782 | 64% | $1,866 |
| Acuity Insurance | $2,994 | $5,060 | 69% | $2,066 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Wisconsin
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, Appleton stands out as the city with the lowest auto insurance rates, at an average of $1,839 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.
The table below shows a list of cities in Wisconsin with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Appleton | $1,839 |
| Green Bay | $1,840 |
| Oshkosh | $1,892 |
| Waukesha | $1,970 |
| Janesville | $1,997 |
| Eau Claire | $2,110 |
| Madison | $2,118 |
| Racine | $2,291 |
| Kenosha | $2,323 |
| Milwaukee | $2,921 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Wisconsin?
By comparing car insurance quotes, you can save an average of 31% 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 |
|---|---|---|
| Air Bags | 4% | $91 |
| Anti-Theft Device | 1% | $19 |
| Comp and Coll Deductibles | 19% | $455 |
| Daily Commute | 4% | $100 |
| Days Advanced Purchase | 7% | $158 |
| Education | 17% | $405 |
| Electronic Funds Transfer | 3% | $73 |
| Homeowner | 8% | $182 |
| Lower Annual Mileage | 7% | $170 |
| Loyalty – Years Renewal With Company | 18% | $431 |
| Marital Status | 7% | $154 |
| Multi Policy | 10% | $234 |
| Paperless/Electornic Documents | 5% | $127 |
| Payment Type | 10% | $229 |
| Primary Use | 9% | $213 |
| Profession | 3% | $70 |
| Safety Devices | 2% | $53 |
| Student Away At School | 21% | $494 |
| Telematics | 9% | $213 |
| Years Insured | 39% | $910 |
| Years Licensed | 35% | $826 |
The bottom line on cheap auto insurance in Wisconsin
Based on our findings, GEICO provides the cheapest rates for a full coverage policy in Wisconsin if you have a good driving record.
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 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.
*USAA is only available to military community members and their families.
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
