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.
- 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.
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
| 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.
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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.
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
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.
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.
| 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
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.
| 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
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 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
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.
| 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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.
| 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
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 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 |
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.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
Executive 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.
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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.
Guide to car insurance (with rates) in cities of Wisconsin