The cheapest car insurance in Wisconsin costs $91 per month for a full coverage policy from Travelers. That’s a $48 savings from the average cost of insurance in the state, which is $139 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.
- 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.
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Wisconsin drivers who pay lower insurance premiums
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 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
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.
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 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.
In the table below, see the average annual rates from Wisconsin’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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 |
|---|---|
| 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 car insurance companies in Wisconsin for full coverage
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.
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 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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Wisconsin, drivers with a history of traffic violation pay an average of $817 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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
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
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 .
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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?
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.
In Wisconsin, Combined Locks stands out as the city with the lowest auto insurance rates, at an average of $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.
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?
If you compare car insurance quotes, you could enjoy an annual saving of around 35% on 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 auto insurance in Wisconsin
Our research shows that Travelers has the cheapest full coverage car insurance rates in Wisconsin for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Wisconsin, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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 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.
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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.
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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.
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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.
Guide to car insurance (with rates) in cities of Wisconsin