Why Compare Car Insurance Rates in Wisconsin:
There are 237,124 miles of road in Wisconsin just waiting to be driven. We'll get you covered, and then it's your turn to drive. Like most states, Wisconsin mandates that drivers have auto insurance in Wisconsin before they can legally drive. A summons for not providing insurance was given to over 70000 people in 2020. Following speeding tickets and driving with a revoked license, failure to include evidence of insurance was the third most common offense.
Full coverage auto insurance in Wisconsin costs $1188 a year, while minimum coverage car insurance costs $327. Auto insurance in Wisconsin is less costly than in many other jurisdictions, but there are opportunities for drivers to save even more money. It's not difficult to find cheap car insurance in Wisconsin. There are a few companies that deliver cheap auto insurance in Wisconsin.
All states require you to buy a minimum insurance coverage before you can register your car. According to the Wisconsin Insurance Department, all car owners must have at least the following insurance coverage types and limits:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 ($50,000 for injuries resulting in death) |
| Bodily Injury Liability Coverage (per accident) | $50000 ($100000 for injuries resulting in death) |
| Property Damage Liability | $10000 |
The average minimum coverage rate in Wisconsin is $505. Allstate, the most expensive insurance company, charges 72% more.
| Company | Annual Premium |
|---|---|
| AAA | $193 |
| USAA | $547 |
| Acuity | $258 |
| Metlife | $714 |
| West Bend Mutual | $260 |
| State Farm | $261 |
| Erie | $275 |
| Nationwide | $276 |
| Western National | $279 |
| Auto-Owners Insurance Co | $293 |
| American Family | $320 |
| Progressive | $344 |
| IMT Insurance Company | $347 |
| Travelers | $375 |
| Chubb | $421 |
| Farmers | $430 |
| Kemper | $582 |
| Allstate | $662 |
| Statewide Average | $380 |
It is always a good idea to purchase auto insurance that provides more coverage than the bare minimum to protect yourself financially. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term.
It is never a good idea to carry only the state-mandated minimums, which puts you and your investments in danger. Although Wisconsin's liability limitations are higher than some other states, this does not guarantee that you will be sufficiently protected. Raising your restrictions is nearly necessary, given how quickly medical expenditures can mount, especially if you damage more than one person.
This is also true for property damage coverage, as the $25,000 limit isn't enough to cover a new car's typical cost if you need to replace one.
To prevent being stuck footing the bill out of pocket, all drivers are strongly advised to increase these limitations. Bodily coverage is also your only option to protect your car.
Both drivers in Wisconsin are required to have a minimum amount of auto insurance. Liability for bodily injury, property harm, and uninsured motorist coverage are all needed in Wisconsin. Wisconsin has a standard insurance requirement of 25/50/10, which states:
What exactly do these figures indicate? Your insurance would cover $25000 in medical costs for one passenger and $50000 for everyone else involved in the crash if there was an accident. The $10000 in property damage liability will cover the cost of repairing any other car or property you may have struck, such as a fence, mailbox, or storefront.
Liability coverage and uninsured motorist coverage are required by state law in Wisconsin, with limits of:
In Wisconsin, PIP isn't even available. Instead of PIP insurance, Wisconsin insurers offer medical payments insurance (often known as MedPay), covering hospital expenditures incurred due to a car accident.
MedPay and PIP insurance are similar in that they both cover your medical expenditures even if you cause a car accident. MedPay, on the other hand, is less comprehensive than personal injury protection, with no provisions for lost pay or assistance with household chores that you are unable to perform owing to your injury.
In no-fault states, personal injury protection is a type of car insurance that covers medical expenses regardless of who caused the collision. Wisconsin is an at-fault state, which means that following a collision, at least one driver is determined to be "at blame." The average cost of insurance in Wisconsin – $1569 – is typical compared to most PIP states and other non-PIP states, owing to variances in vehicle insurance rules.
Like most states, Wisconsin has established laws mandating car owners to have specific minimum amounts of liability auto insurance in the case of a traffic accident on the state's roads and highways.
To be lawful in Wisconsin, you merely need liability insurance. However, if you want to increase your insurance coverage and protection, look into these additional coverage types for your car.
If law enforcement requests it, drivers and owners of cars must present proof of insurance during traffic stops or accidents. Trailers and semi-trailers do not require proof. A fine of up to $500 could be imposed if you drive without insurance. Failure to present proof of insurance at the time of the stop or accident may result in a fine of up to $10.
If you provide bogus proof of insurance, you could face a fine of up to $5,000.
When you apply for a driving license or register a car, you are not required to give evidence of insurance unless DMV requests it. It is necessary before a driver's license is reinstated after a suspension or revocation.
Don't hesitate to contact your insurance agent if you have any further questions concerning the required minimum amounts.
In addition to the location, Wisconsin car insurance rates are determined by several factors. Your premium is affected by your age, gender, marital status, car, and driving background. Other factors, including the number of miles driven and credit score, are also taken into account. Since each carrier gives different weight to each of these variables, comparing several carriers is even more critical to ensure you are getting affordable car insurance in Wisconsin for your financial situation.
In Wisconsin, full coverage auto insurance costs $1188 on average. This is almost $710 less than the national average for maximum coverage, which is $1908. Finding the best car insurance in Wisconsin for your needs while looking for auto insurance can be difficult and time-consuming. Many auto insurance companies in Wisconsin stand out because of their low rates and discount options. These businesses have competitive pricing, a diverse selection of coverage options, and exceptional customer service. Below is the best auto insurance Wisconsin has to offer.
Driving safely can pay off handsomely. Allstate has the most expensive average auto insurance rate in Wisconsin for good drivers. The insurer's average yearly premium is $1716, 71% higher than the state average.
| Company | Annual Premium |
|---|---|
| AAA | $449 |
| USAA | $571 |
| American Family | $548 |
| West Bend Mutual | $555 |
| Nationwide | $689 |
| State Farm | $701 |
| Erie | $708 |
| Auto-Owners Insurance Co | $728 |
| Acuity | $729 |
| IMT Insurance Company | $739 |
| Travelers | $743 |
| Chubb | $865 |
| Allstate | $1,082 |
| Progressive | $1,107 |
| Western National | $1,112 |
| Farmers | $1,146 |
| Kemper | $1,488 |
| Dairyland | $1,923 |
| State-wide Average | $882 |
In Wisconsin, a teen female driver pays 221% more than a young adult female, and a teen male driver pays 239% more than a young adult male. Young adults who insure with Allstate pay significantly more than the state average for their age group: female drivers pay $929 more, and male drivers pay $876 more.
USAA has the cheapest car insurance for both men and women, with female drivers paying $647 less than the state average and male drivers paying $695 less.
| Company | 17-Year-Old-Female | 17-Year-Old-Male |
|---|---|---|
| Allstate | $3,582 | $3,582 |
| Nationwide | $2,448 | $2,829 |
| Travelers | $2,880 | $3,621 |
| State Farm | $1,829 | $2,302 |
| Farmers | $4,722 | $5,179 |
| Auto-Owners Insurance Co | $1,699 | $2,342 |
| Progressive | $6,412 | $7,070 |
| Kemper | $5,532 | $6,799 |
| American Family Insurance | $2,839 | $3,085 |
| Erie Insurance | $2,014 | $2,525 |
| Secura | $2,475 | $2,563 |
| USAA | $1,505 | $1,714 |
| Statewide Average | $3,161 | $3,634 |
It's not just a ticket: speeding can have a significant influence on your auto insurance premiums. For example, for drivers with a speeding citation on their record, Allstate charges an average rate that is 70% more than the statewide average rate. On average, USAA charges the lowest premium for Wisconsin drivers who have received a speeding violation.
Erie Insurance's typical rates do not alter due to a speeding ticket.
| Company | Annual Premium |
|---|---|
| AAA | $690 |
| American Family | $725 |
| State Farm | $744 |
| Erie | $772 |
| Auto-Owners Insurance Co | $802 |
| West Bend Mutual | $842 |
| Nationwide | $912 |
| IMT Insurance Company | $946 |
| Chubb | $985 |
| Travelers | $1,019 |
| Acuity | $1,179 |
| Western National | $1,232 |
| Allstate | $1,269 |
| Farmers | $1,453 |
| Progressive | $1,522 |
| Kemper | $1,744 |
| Dairyland | $3,204 |
| USAA | $661 |
| MetLife | $1,806 |
| Statewide Average | $1,163 |
Dairyland has the most expensive average premium in Wisconsin for drivers having an accident on their record. Compared to the state-wide average premium for drivers who have been in an accident, Dairyland charges 258% more after an accident.
The average post-accident car insurance rate is $749 if you're covered with AAA. Although this is a significant rise over their normal good-driver rate, it is still 44% lower than the state average.
| Company | Annual Premium |
|---|---|
| American Family | $616 |
| AAA | $749 |
| State Farm | $801 |
| Auto-Owners Insurance Co | $849 |
| West Bend Mutual | $932 |
| Erie | $955 |
| Chubb | $988 |
| Travelers | $1,060 |
| Nationwide | $1,098 |
| IMT Insurance Company | $1,133 |
| Western National | $1,235 |
| Acuity | $1,515 |
| Allstate | $1,627 |
| Farmers | $1,644 |
| Progressive | $2,019 |
| Kemper | $2,119 |
| Dairyland | $3,484 |
| USAA | $777 |
| MetLife | $2,387 |
| Statewide Average | $1,351 |
Drunk driving is not just dangerous; your car insurance rates will skyrocket if you're charged with a DUI. Compared to the state average for a motorist with a clean record, the most expensive insurer, Allstate, will charge you 115% more for post-DUI coverage.
The lowest average rates for Wisconsin drivers with a DUI are offered by State Farm, followed by Progressive.
| Company | Annual Premium |
|---|---|
| American Family | $729 |
| State Farm | $748 |
| Chubb | $989 |
| Erie | $1,135 |
| Travelers | $1,167 |
| AAA | $1,198 |
| West Bend Mutual | $1,214 |
| Western National | $1,236 |
| Progressive | $1,294 |
| Allstate | $1,315 |
| Nationwide | $1,331 |
| Auto-Owners Insurance Co | $1,355 |
| IMT Insurance Company | $1,442 |
| Kemper | $1,564 |
| Farmers | $1,581 |
| Acuity | $1,766 |
| Dairyland | $2,751 |
| USAA | 1,014 |
| MetLife | $2,024 |
| Statewide Average | $1,368 |
We discovered that married Wisconsin drivers pay 5% less than single drivers, with annual premiums averaging $1119 on average. USAA has the best rates for these drivers, with a yearly fee of $641 and a monthly fee of $75. Insurers charge married drivers lower rates because they are statistically less likely to be involved in accidents than single drivers, making them less hazardous to insure.
| Company | Monthly rate |
|---|---|
| USAA | $641 |
| Progressive | $905 |
| Secura | $953 |
| State Farm | $965 |
| Erie | $989 |
| American Family | $1157 |
| Auto-Owners | $1361 |
| Allstate | $1625 |
USAA has the lowest rates for young drivers at fault in an accident in Wisconsin. USAA's prices were 45% lower than the state average, at $653 per year and $71 per month for minimal coverage. After an at-fault accident, young Wisconsin drivers' vehicle insurance rates are likely to rise significantly, far more so than after receiving a speeding ticket.
We discovered that the average yearly cost of vehicle insurance for young drivers with a speeding ticket is $1563, which is $327 more than young drivers with clean records and $199 more than young drivers without a speeding ticket.
| Company | Annual Premium |
|---|---|
| American Family | $658 |
| AAA | $917 |
| State Farm | $1,005 |
| West Bend Mutual | $1,117 |
| Auto-Owners Insurance Co | $1,124 |
| Travelers | $1,142 |
| Erie | $1,215 |
| Chubb | $1,296 |
| Nationwide | $1,321 |
| IMT Insurance Company | $1,504 |
| Farmers | $1,830 |
| Western National | $1,853 |
| Acuity | $1,854 |
| Allstate | $2,006 |
| Progressive | $2,366 |
| Kemper | $2,526 |
| Dairyland | $3,357 |
| Secura | $1,142 |
| USAA | $662 |
| State-wide Average | $1,521 |
The highest average rate is $1596 per year in Brown Deer, a Milwaukee suburb. The lowest average rate is $986 per year in Ashwaubenon, just outside Green Bay. Depending on where you reside in Wisconsin, the average annual vehicle insurance can cost as much as $559 per year. Because accidents and auto theft are more likely in highly populated metropolitan regions, auto insurance in these places is more expensive than in rural ones.
| City | Average Annual Rate |
|---|---|
| Abbotsford | $1,193 |
| Abrams | $1,145 |
| Adams | $1,241 |
| Adell | $1,097 |
| Afton | $1,109 |
| Albany | $1,169 |
| Algoma | $1,085 |
| Allenton | $1,109 |
| Allouez | $1,013 |
| Alma | $1,241 |
| Alma Center | $1,241 |
| Almena | $1,277 |
| Almond | $1,181 |
| Altoona | $1,097 |
| Amberg | $1,289 |
| Amery | $1,277 |
| Amherst | $1,181 |
| Amherst Junction | $1,205 |
| Aniwa | $1,229 |
| Antigo | $1,205 |
| Appleton | $1,013 |
| Arcadia | $1,217 |
| Arena | $1,181 |
| Argonne | $1,265 |
| Argyle | $1,181 |
| Arkansaw | $1,265 |
| Arkdale | $1,253 |
| Arlington | $1,133 |
| Armstrong Creek | $1,265 |
| Arpin | $1,169 |
| Ashland | $1,241 |
| Ashwaubenon | $989 |
| Athelstane | $1,277 |
| Athens | $1,193 |
| Auburndale | $1,133 |
| Augusta | $1,229 |
| Avalon | $1,085 |
| Avoca | $1,181 |
| Babcock | $1,229 |
| Bagley | $1,169 |
| Baileys Harbor | $1,049 |
| Baldwin | $1,193 |
| Balsam Lake | $1,313 |
| Bancroft | $1,157 |
| Bangor | $1,181 |
| Baraboo | $1,145 |
| Barneveld | $1,181 |
| Barron | $1,277 |
| Barronett | $1,301 |
| Bassett | $1,181 |
| Bay City | $1,229 |
| Bayfield | $1,241 |
| Bayside | $1,313 |
| Bear Creek | $1,157 |
| Beaver Dam | $1,085 |
| Beldenville | $1,229 |
| Belgium | $1,073 |
| Belleville | $1,121 |
| Bellevue | $1,001 |
| Belmont | $1,157 |
| Beloit | $1,085 |
| Benet Lake | $1,217 |
| Benoit | $1,301 |
| Benton | $1,169 |
| Berlin | $1,133 |
| Big Bend | $1,121 |
| Birchwood | $1,301 |
| Birnamwood | $1,265 |
| Biron | $1,157 |
| Black Creek | $1,097 |
| Black Earth | $1,097 |
| Black River Falls | $1,205 |
| Blair | $1,253 |
| Blanchardville | $1,205 |
| Blenker | $1,205 |
| Bloomer | $1,229 |
| Bloomington | $1,157 |
| Blue Mounds | $1,109 |
| Blue River | $1,181 |
| Bohners Lake | $1,133 |
| Bonduel | $1,145 |
| Boscobel | $1,181 |
| Boulder Junction | $1,229 |
| Bowler | $1,241 |
| Boyceville | $1,229 |
| Boyd | $1,253 |
| Brandon | $1,073 |
| Brantwood | $1,253 |
| Brice Prairie | $1,109 |
| Briggsville | $1,229 |
| Brill | $1,481 |
| Brillion | $1,037 |
| Bristol | $1,229 |
| Brodhead | $1,145 |
| Brokaw | $1,169 |
| Brookfield | $1,169 |
| Brooklyn | $1,121 |
| Brown Deer | $1,589 |
| Browns Lake | $1,133 |
| Brownsville | $1,073 |
| Browntown | $1,157 |
| Bruce | $1,289 |
| Brule | $1,301 |
| Brussels | $1,085 |
| Bryant | $1,217 |
| Burlington | $1,133 |
| Burnett | $1,073 |
| Butler | $1,205 |
| Butte Des Morts | $1,085 |
| Butternut | $1,277 |
| Cable | $1,313 |
| Cadott | $1,229 |
| Caledonia | $1,205 |
| Cambria | $1,169 |
| Cambridge | $1,073 |
| Cameron | $1,277 |
| Camp Douglas | $1,205 |
| Camp Lake | $1,181 |
| Campbellsport | $1,097 |
| Caroline | $1,241 |
| Cascade | $1,097 |
| Casco | $1,085 |
| Cashton | $1,205 |
| Cassville | $1,169 |
| Cataract | $1,205 |
| Catawba | $1,241 |
| Cazenovia | $1,217 |
| Cecil | $1,169 |
| Cedar Grove | $1,049 |
| Cedarburg | $1,097 |
| Centuria | $1,277 |
| Chain O' Lakes | $1,145 |
| Chaseburg | $1,217 |
| Chenequa | $1,097 |
| Chetek | $1,265 |
| Chili | $1,157 |
| Chilton | $1,049 |
| Chippewa Falls | $1,121 |
| Clam Lake | $1,337 |
| Clayton | $1,301 |
| Clear Lake | $1,289 |
| Cleveland | $1,049 |
| Clinton | $1,097 |
| Clintonville | $1,205 |
| Clyman | $1,109 |
| Cobb | $1,169 |
| Cochrane | $1,217 |
| Colby | $1,205 |
| Coleman | $1,229 |
| Colfax | $1,229 |
| Colgate | $1,121 |
| Collins | $1,085 |
| Coloma | $1,229 |
| Columbus | $1,109 |
| Combined Locks | $1,013 |
| Como | $1,097 |
| Comstock | $1,301 |
| Conover | $1,241 |
| Conrath | $1,277 |
| Coon Valley | $1,193 |
| Cornell | $1,265 |
| Cornucopia | $1,265 |
| Cottage Grove | $1,085 |
| Couderay | $1,301 |
| Crandon | $1,253 |
| Crivitz | $1,277 |
| Cross Plains | $1,085 |
| Cuba City | $1,145 |
| Cudahy | $1,217 |
| Cumberland | $1,289 |
| Curtiss | $1,205 |
| Cushing | $1,289 |
| Custer | $1,193 |
| Dallas | $1,277 |
| Dalton | $1,205 |
| Danbury | $1,313 |
| Dane | $1,073 |
| Darien | $1,097 |
| Darlington | $1,169 |
| De Pere | $1,001 |
| De Soto | $1,205 |
| Deer Park | $1,277 |
| Deerbrook | $1,217 |
| Deerfield | $1,073 |
| DeForest | $1,085 |
| Delafield | $1,097 |
| Delavan | $1,073 |
| Delavan Lake | $1,073 |
| Dellwood | $1,229 |
| Delwood | $1,241 |
| Denmark | $1,061 |
| Dickeyville | $1,169 |
| Dodge | $1,217 |
| Dodgeville | $1,145 |
| Dorchester | $1,193 |
| Dousman | $1,109 |
| Downing | $1,253 |
| Downsville | $1,241 |
| Doylestown | $1,169 |
| Dresser | $1,301 |
| Drummond | $1,301 |
| Dunbar | $1,265 |
| Durand | $1,241 |
| Eagle | $1,097 |
| Eagle Lake | $1,157 |
| Eagle River | $1,253 |
| East Ellsworth | $1,301 |
| East Troy | $1,121 |
| Eastman | $1,205 |
| Eau Claire | $1,097 |
| Eau Galle | $1,241 |
| Eden | $1,073 |
| Edgar | $1,181 |
| Edgerton | $1,109 |
| Edmund | $1,181 |
| Egg Harbor | $1,037 |
| Eland | $1,265 |
| Elcho | $1,241 |
| Eldorado | $1,073 |
| Eleva | $1,205 |
| Elk Mound | $1,157 |
| Elkhart Lake | $1,049 |
| Elkhorn | $1,109 |
| Ellison Bay | $1,049 |
| Ellsworth | $1,217 |
| Elm Grove | $1,157 |
| Elmwood | $1,241 |
| Elmwood Park | $1,265 |
| Elroy | $1,193 |
| Elton | $1,253 |
| Embarrass | $1,205 |
| Endeavor | $1,217 |
| Ephraim | $1,061 |
| Ettrick | $1,241 |
| Evansville | $1,121 |
| Exeland | $1,289 |
| Fairchild | $1,241 |
| Fairwater | $1,097 |
| Fall Creek | $1,181 |
| Fall River | $1,109 |
| Fence | $1,253 |
| Fennimore | $1,169 |
| Ferryville | $1,217 |
| Fifield | $1,241 |
| Fish Creek | $1,037 |
| Fitchburg | $1,109 |
| Florence | $1,265 |
| Fond du Lac | $1,037 |
| Fontana | $1,109 |
| Fontana-on-Geneva Lake | $1,109 |
| Footville | $1,097 |
| Forest Junction | $1,037 |
| Forestville | $1,073 |
| Fort Atkinson | $1,073 |
| Fountain City | $1,217 |
| Fox Lake | $1,061 |
| Fox Point | $1,313 |
| Foxboro | $1,265 |
| Francis Creek | $1,085 |
| Franklin | $1,181 |
| Franksville | $1,169 |
| Frederic | $1,301 |
| Fredonia | $1,097 |
| Fremont | $1,145 |
| French Island | $1,121 |
| Friendship | $1,241 |
| Friesland | $1,169 |
| Galesville | $1,193 |
| Galloway | $1,457 |
| Gays Mills | $1,229 |
| Genesee Depot | $1,145 |
| Genoa | $1,205 |
| Genoa City | $1,109 |
| Germantown | $1,121 |
| Gile | $1,253 |
| Gillett | $1,193 |
| Gilman | $1,253 |
| Gilmanton | $1,265 |
| Gleason | $1,229 |
| Glen Flora | $1,289 |
| Glen Haven | $1,169 |
| Glenbeulah | $1,073 |
| Glendale | $1,553 |
| Glenwood City | $1,241 |
| Glidden | $1,265 |
| Goodman | $1,253 |
| Gordon | $1,301 |
| Gotham | $1,205 |
| Grafton | $1,085 |
| Grand Marsh | $1,253 |
| Grand View | $1,301 |
| Granton | $1,205 |
| Grantsburg | $1,301 |
| Gratiot | $1,169 |
| Green Bay | $1,001 |
| Green Lake | $1,157 |
| Green Valley | $1,217 |
| Greendale | $1,193 |
| Greenfield | $1,277 |
| Greenleaf | $1,049 |
| Greenville | $1,037 |
| Greenwood | $1,217 |
| Gresham | $1,217 |
| Hager City | $1,193 |
| Hales Corners | $1,181 |
| Hammond | $1,193 |
| Hancock | $1,241 |
| Hannibal | $1,445 |
| Hanover | $1,109 |
| Harshaw | $1,241 |
| Hartford | $1,097 |
| Hartland | $1,109 |
| Hatley | $1,241 |
| Haugen | $1,289 |
| Hawkins | $1,265 |
| Hayward | $1,313 |
| Hazel Green | $1,169 |
| Hazelhurst | $1,217 |
| Heafford Junction | $1,457 |
| Helenville | $1,097 |
| Herbster | $1,277 |
| Hertel | $1,337 |
| Hewitt | $1,145 |
| High Bridge | $1,289 |
| Highland | $1,169 |
| Hilbert | $1,061 |
| Hillpoint | $1,205 |
| Hillsboro | $1,217 |
| Hingham | $1,025 |
| Hixton | $1,241 |
| Hobart | $1,013 |
| Holcombe | $1,289 |
| Hollandale | $1,193 |
| Holmen | $1,121 |
| Horicon | $1,073 |
| Hortonville | $1,073 |
| Houlton | $1,217 |
| Howard | $1,013 |
| Howards Grove | $1,025 |
| Hubertus | $1,121 |
| Hudson | $1,181 |
| Humbird | $1,229 |
| Hurley | $1,229 |
| Hustisford | $1,097 |
| Hustler | $1,253 |
| Independence | $1,241 |
| Iola | $1,241 |
| Irma | $1,205 |
| Iron Belt | $1,253 |
| Iron Ridge | $1,109 |
| Iron River | $1,289 |
| Ixonia | $1,085 |
| Jackson | $1,109 |
| Janesville | $1,097 |
| Jefferson | $1,049 |
| Jim Falls | $1,205 |
| Johnson Creek | $1,049 |
| Juda | $1,133 |
| Jump River | $1,469 |
| Junction City | $1,169 |
| Juneau | $1,085 |
| Kansasville | $1,157 |
| Kaukauna | $1,001 |
| Kellnersville | $1,085 |
| Kendall | $1,181 |
| Kennan | $1,253 |
| Kenosha | $1,241 |
| Keshena | $1,193 |
| Kewaskum | $1,109 |
| Kewaunee | $1,085 |
| Kiel | $1,061 |
| Kieler | $1,169 |
| Kimberly | $1,001 |
| King | $1,193 |
| Knapp | $1,229 |
| Knowlton | $1,169 |
| Kohler | $1,025 |
| Krakow | $1,133 |
| Kronenwetter | $1,169 |
| La Crosse | $1,121 |
| La Farge | $1,217 |
| La Pointe | $1,253 |
| La Valle | $1,205 |
| Lac du Flambeau | $1,217 |
| Ladysmith | $1,265 |
| Lake Arrowhead | $1,217 |
| Lake Delton | $1,181 |
| Lake Geneva | $1,097 |
| Lake Hallie | $1,121 |
| Lake Koshkonong | $1,073 |
| Lake Lorraine | $1,085 |
| Lake Mills | $1,061 |
| Lake Nebagamon | $1,301 |
| Lake Ripley | $1,061 |
| Lake Tomahawk | $1,229 |
| Lake Wazeecha | $1,157 |
| Lake Wisconsin | $1,133 |
| Lake Wissota | $1,121 |
| Lakewood | $1,229 |
| Lancaster | $1,133 |
| Land O Lakes | $1,265 |
| Lannon | $1,133 |
| Laona | $1,265 |
| Larsen | $1,061 |
| Lauderdale Lakes | $1,109 |
| Legend Lake | $1,193 |
| Lena | $1,193 |
| Leopolis | $1,217 |
| Lime Ridge | $1,241 |
| Linden | $1,145 |
| Little Chute | $1,013 |
| Little Round Lake | $1,301 |
| Little Suamico | $1,109 |
| Livingston | $1,169 |
| Lodi | $1,133 |
| Loganville | $1,193 |
| Lomira | $1,097 |
| Lone Rock | $1,193 |
| Long Lake | $1,241 |
| Lowell | $1,085 |
| Loyal | $1,217 |
| Lublin | $1,241 |
| Luck | $1,313 |
| Luxemburg | $1,085 |
| Lyndon Station | $1,229 |
| Madison | $1,121 |
| Maiden Rock | $1,241 |
| Malone | $1,061 |
| Manawa | $1,217 |
| Manitowish Waters | $1,229 |
| Manitowoc | $1,049 |
| Maple | $1,301 |
| Maple Bluff | $1,133 |
| Maplewood | $1,289 |
| Marathon | $1,133 |
| Marathon City | $1,133 |
| Marengo | $1,265 |
| Maribel | $1,061 |
| Marinette | $1,205 |
| Marion | $1,241 |
| Markesan | $1,157 |
| Marshall | $1,085 |
| Marshfield | $1,121 |
| Mason | $1,289 |
| Mather | $1,253 |
| Mattoon | $1,229 |
| Mauston | $1,181 |
| Mayville | $1,085 |
| Mazomanie | $1,109 |
| Mc Naughton | $1,265 |
| McFarland | $1,097 |
| Medford | $1,205 |
| Mellen | $1,277 |
| Melrose | $1,253 |
| Menasha | $1,001 |
| Menomonee Falls | $1,133 |
| Menomonie | $1,169 |
| Mequon | $1,169 |
| Mercer | $1,265 |
| Merrill | $1,181 |
| Merrillan | $1,241 |
| Merrimac | $1,157 |
| Merton | $1,109 |
| Middleton | $1,097 |
| Mikana | $1,337 |
| Milladore | $1,157 |
| Millston | $1,253 |
| Milltown | $1,289 |
| Milton | $1,097 |
| Milwaukee | $1,541 |
| Mindoro | $1,205 |
| Mineral Point | $1,169 |
| Minocqua | $1,205 |
| Minong | $1,325 |
| Mishicot | $1,061 |
| Mondovi | $1,229 |
| Monona | $1,109 |
| Monroe | $1,145 |
| Montello | $1,229 |
| Montfort | $1,157 |
| Monticello | $1,169 |
| Montreal | $1,241 |
| Morrisonville | $1,097 |
| Mosinee | $1,169 |
| Mount Calvary | $1,085 |
| Mount Hope | $1,169 |
| Mount Horeb | $1,109 |
| Mount Pleasant | $1,229 |
| Mount Sterling | $1,229 |
| Mountain | $1,229 |
| Mukwonago | $1,109 |
| Muscoda | $1,181 |
| Muskego | $1,121 |
| Nashotah | $1,097 |
| Necedah | $1,229 |
| Neenah | $1,001 |
| Neillsville | $1,193 |
| Nekoosa | $1,205 |
| Nelson | $1,241 |
| Nelsonville | $1,229 |
| Neopit | $1,241 |
| Neosho | $1,121 |
| Neshkoro | $1,241 |
| New Auburn | $1,265 |
| New Berlin | $1,121 |
| New Franken | $1,061 |
| New Glarus | $1,193 |
| New Holstein | $1,061 |
| New Lisbon | $1,181 |
| New London | $1,121 |
| New Munster | $1,193 |
| New Post | $1,313 |
| New Richmond | $1,217 |
| Newburg | $1,097 |
| Newton | $1,061 |
| Niagara | $1,265 |
| Nichols | $1,097 |
| North Fond du Lac | $1,037 |
| North Freedom | $1,145 |
| North Hudson | $1,193 |
| North Lake | $1,121 |
| North Prairie | $1,121 |
| Norwalk | $1,181 |
| Oak Creek | $1,217 |
| Oakfield | $1,037 |
| Oconomowoc | $1,109 |
| Oconomowoc Lake | $1,109 |
| Oconto | $1,157 |
| Oconto Falls | $1,157 |
| Odanah | $1,265 |
| Ogdensburg | $1,229 |
| Ogema | $1,241 |
| Ojibwa | $1,313 |
| Okauchee | $1,121 |
| Okauchee Lake | $1,109 |
| Omro | $1,097 |
| Onalaska | $1,097 |
| Oneida | $1,037 |
| Ontario | $1,205 |
| Oostburg | $1,013 |
| Oregon | $1,097 |
| Orfordville | $1,085 |
| Osceola | $1,277 |
| Oshkosh | $1,025 |
| Osseo | $1,241 |
| Owen | $1,217 |
| Oxford | $1,253 |
| Paddock Lake | $1,181 |
| Palmyra | $1,109 |
| Pardeeville | $1,169 |
| Park Falls | $1,253 |
| Park Ridge | $1,133 |
| Pearson | $1,241 |
| Pelican Lake | $1,241 |
| Pell Lake | $1,109 |
| Pembine | $1,277 |
| Pepin | $1,277 |
| Peshtigo | $1,217 |
| Pewaukee | $1,109 |
| Phelps | $1,253 |
| Phillips | $1,241 |
| Phlox | $1,241 |
| Pickerel | $1,241 |
| Pickett | $1,049 |
| Pigeon Falls | $1,277 |
| Pine River | $1,193 |
| Pittsville | $1,169 |
| Plain | $1,181 |
| Plainfield | $1,193 |
| Platteville | $1,133 |
| Pleasant Prairie | $1,241 |
| Plover | $1,133 |
| Plum City | $1,253 |
| Plymouth | $1,025 |
| Poplar | $1,289 |
| Port Edwards | $1,181 |
| Port Washington | $1,073 |
| Port Wing | $1,289 |
| Portage | $1,145 |
| Porterfield | $1,217 |
| Post Lake | $1,241 |
| Potosi | $1,169 |
| Potter | $1,085 |
| Potter Lake | $1,109 |
| Pound | $1,229 |
| Powers Lake | $1,133 |
| Poy Sippi | $1,229 |
| Poynette | $1,133 |
| Prairie Du Chien | $1,157 |
| Prairie du Sac | $1,133 |
| Prairie Farm | $1,301 |
| Prentice | $1,241 |
| Prescott | $1,181 |
| Presque Isle | $1,265 |
| Princeton | $1,181 |
| Pulaski | $1,073 |
| Racine | $1,253 |
| Radisson | $1,313 |
| Randolph | $1,085 |
| Random Lake | $1,073 |
| Readfield | $1,169 |
| Readstown | $1,241 |
| Redgranite | $1,217 |
| Reedsburg | $1,169 |
| Reedsville | $1,061 |
| Reeseville | $1,109 |
| Rewey | $1,169 |
| Rhinelander | $1,217 |
| Rib Lake | $1,229 |
| Rib Mountain | $1,097 |
| Rice Lake | $1,265 |
| Richfield | $1,109 |
| Richland Center | $1,193 |
| Ridgeland | $1,253 |
| Ridgeway | $1,157 |
| Ringle | $1,169 |
| Rio | $1,133 |
| Ripon | $1,073 |
| River Falls | $1,181 |
| River Hills | $1,313 |
| Roberts | $1,181 |
| Rochester | $1,133 |
| Rock Springs | $1,181 |
| Rockland | $1,193 |
| Rosendale | $1,061 |
| Rosholt | $1,217 |
| Rothschild | $1,097 |
| Rubicon | $1,109 |
| Rudolph | $1,145 |
| Saint Cloud | $1,073 |
| Saint Germain | $1,241 |
| Saint Nazianz | $1,061 |
| Salem | $1,181 |
| Sandy Hook | $1,169 |
| Sarona | $1,313 |
| Sauk City | $1,121 |
| Saukville | $1,085 |
| Saxon | $1,265 |
| Sayner | $1,253 |
| Scandinavia | $1,193 |
| Schofield | $1,097 |
| Sextonville | $1,205 |
| Seymour | $1,061 |
| Sharon | $1,085 |
| Shawano | $1,157 |
| Sheboygan | $1,025 |
| Sheboygan Falls | $1,013 |
| Sheldon | $1,289 |
| Shell Lake | $1,313 |
| Sherwood | $1,049 |
| Shiocton | $1,121 |
| Shorewood | $1,349 |
| Shorewood Hills | $1,109 |
| Shullsburg | $1,169 |
| Silver Lake | $1,181 |
| Sinsinawa | $1,193 |
| Siren | $1,313 |
| Sister Bay | $1,037 |
| Slinger | $1,097 |
| Sobieski | $1,121 |
| Soldiers Grove | $1,229 |
| Solon Springs | $1,289 |
| Somerset | $1,229 |
| South Milwaukee | $1,217 |
| South Range | $1,265 |
| South Wayne | $1,181 |
| Sparta | $1,181 |
| Spencer | $1,169 |
| Spooner | $1,325 |
| Spring Green | $1,169 |
| Spring Valley | $1,229 |
| Springbrook | $1,313 |
| St. Croix Falls | $1,301 |
| St. Francis | $1,277 |
| St. Peter | $1,037 |
| Stanley | $1,229 |
| Star Lake | $1,277 |
| Star Prairie | $1,301 |
| Stetsonville | $1,205 |
| Steuben | $1,205 |
| Stevens Point | $1,133 |
| Stitzer | $1,181 |
| Stockholm | $1,277 |
| Stoddard | $1,193 |
| Stone Lake | $1,313 |
| Stoughton | $1,085 |
| Stratford | $1,169 |
| Strum | $1,229 |
| Sturgeon Bay | $1,049 |
| Sturtevant | $1,205 |
| Suamico | $1,001 |
| Sullivan | $1,085 |
| Summit Lake | $1,241 |
| Sun Prairie | $1,085 |
| Superior | $1,217 |
| Suring | $1,217 |
| Sussex | $1,109 |
| Tainter Lake | $1,229 |
| Taylor | $1,253 |
| Theresa | $1,097 |
| Thiensville | $1,181 |
| Thorp | $1,229 |
| Three Lakes | $1,241 |
| Tichigan | $1,145 |
| Tigerton | $1,265 |
| Tilleda | $1,253 |
| Tisch Mills | $1,301 |
| Tomah | $1,157 |
| Tomahawk | $1,205 |
| Tony | $1,289 |
| Townsend | $1,217 |
| Trego | $1,325 |
| Trempealeau | $1,217 |
| Trevor | $1,181 |
| Tripoli | $1,229 |
| Tunnel City | $1,217 |
| Turtle Lake | $1,313 |
| Twin Lakes | $1,157 |
| Two Rivers | $1,049 |
| Union Center | $1,229 |
| Union Grove | $1,169 |
| Unity | $1,193 |
| Upson | $1,289 |
| Valders | $1,049 |
| Van Dyne | $1,049 |
| Verona | $1,085 |
| Vesper | $1,205 |
| Viola | $1,217 |
| Viroqua | $1,217 |
| Wabeno | $1,265 |
| Waldo | $1,049 |
| Wales | $1,097 |
| Walworth | $1,073 |
| Warrens | $1,205 |
| Washburn | $1,241 |
| Washington Island | $1,049 |
| Waterford | $1,133 |
| Waterloo | $1,085 |
| Watertown | $1,085 |
| Waukau | $1,109 |
| Waukesha | $1,109 |
| Waunakee | $1,085 |
| Waupaca | $1,133 |
| Waupun | $1,061 |
| Wausau | $1,109 |
| Wausaukee | $1,277 |
| Wautoma | $1,217 |
| Wauwatosa | $1,469 |
| Wauzeka | $1,193 |
| Webster | $1,313 |
| West Allis | $1,313 |
| West Baraboo | $1,133 |
| West Bend | $1,109 |
| West Milwaukee | $1,361 |
| West Salem | $1,109 |
| Westboro | $1,229 |
| Westby | $1,205 |
| Westfield | $1,205 |
| Weston | $1,097 |
| Weyauwega | $1,169 |
| Weyerhaeuser | $1,301 |
| Wheeler | $1,253 |
| White Lake | $1,241 |
| Whitefish Bay | $1,337 |
| Whitehall | $1,217 |
| Whitelaw | $1,061 |
| Whitewater | $1,085 |
| Whiting | $1,133 |
| Wild Rose | $1,217 |
| Willard | $1,241 |
| Williams Bay | $1,097 |
| Wilmot | $1,157 |
| Wilson | $1,217 |
| Wilton | $1,181 |
| Wind Lake | $1,133 |
| Wind Point | $1,253 |
| Windsor | $1,085 |
| Winnebago | $1,073 |
| Winneconne | $1,097 |
| Winter | $1,313 |
| Wisconsin Dells | $1,181 |
| Wisconsin Rapids | $1,169 |
| Withee | $1,205 |
| Wittenberg | $1,265 |
| Wonewoc | $1,217 |
| Woodford | $1,205 |
| Woodland | $1,133 |
| Woodman | $1,181 |
| Woodruff | $1,205 |
| Woodville | $1,193 |
| Woodworth | $1,253 |
| Wrightstown | $1,037 |
| Wyocena | $1,169 |
| Zachow | $1,145 |
| Zenda | $1,121 |
Cheap auto insurance in Wisconsin with bad credit
| Company | Annual Premium |
|---|---|
| AAA | $576 |
| American Family | $616 |
| West Bend Mutual | $663 |
| Erie | $775 |
| IMT Insurance Company | $821 |
| Acuity | $830 |
| Nationwide | $966 |
| Chubb | $988 |
| Travelers | $1,164 |
| Western National | $1,235 |
| Allstate | $1,699 |
| Kemper | $1,795 |
| Farmers | $1,841 |
| Progressive | $1,873 |
| Dairyland | $2,150 |
| Auto-Owners Insurance Co | $2,632 |
| State Farm | $3,530 |
| USAA | $1,645 |
| State-wide Average | $1,405 |
Wisconsin auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,392 | 1% | $10 |
| One Med/PIP claim | $1,400 | 2% | $18 |
| Not-at-fault accident | $1,475 | 7% | $94 |
| Two Med/PIP claims | $1,506 | 9% | $124 |
| One comp claim | $1,518 | 10% | $137 |
| Failure to wear a seat belt | $1,532 | 11% | $150 |
| Driving without lights | $1,574 | 14% | $193 |
| Failure to show documents | $1,576 | 14% | $194 |
| Driving with expired registration | $1,597 | 16% | $215 |
| Child safety restraint | $1,598 | 16% | $217 |
| At-fault accident - less than $1000 | $1,630 | 18% | $248 |
| Speeding 6 - 10 MPH over limit | $1,639 | 19% | $257 |
| Two comp claims | $1,642 | 19% | $261 |
| Failure to yield | $1,647 | 20% | $266 |
| Cell phone violation | $1,648 | 20% | $267 |
| Illegal turn | $1,651 | 20% | $269 |
| Speeding in school zone | $1,652 | 20% | $271 |
| Driving too slowly | $1,652 | 20% | $271 |
| Wrong way/wrong lane | $1,654 | 20% | $273 |
| Following too closely | $1,668 | 21% | $286 |
| Failure to stop at a red light | $1,668 | 21% | $287 |
| Texting while driving | $1,671 | 21% | $290 |
| Speeding 11 - 15 MPH over limit | $1,675 | 21% | $293 |
| Speeding 16 - 20 MPH over limit | $1,681 | 22% | $300 |
| Improper passing | $1,699 | 22% | $318 |
| Passing school bus | $1,726 | 25% | $335 |
| Speeding 21 - 25 MPH over limit | $1,854 | 34% | $473 |
| At-fault accident - $1000-$2000 | $1,907 | 38% | $525 |
| Operating a vehicle without permission | $1,921 | 38% | $539 |
| At-fault accident - greater than $2000 | $1,923 | 38% | $541 |
| In 65 MPH zone | $1,939 | 41% | $557 |
| Open container | $2,060 | 49% | $678 |
| Refusal to submit to a chemical test | $2,439 | 79% | $1,047 |
| Reckless driving | $2,466 | 79% | $1,085 |
| DUI | $2,469 | 79% | $1,087 |
| Driving with a suspended license | $2,501 | 81% | $1,119 |
| Leaving scene of an accident/hit and run | $2,528 | 83% | $1,146 |
| Racing | $2,536 | 84% | $1,154 |
Car insurance price trends in Wisconsin
| Year | Avg. Annual Premium — Wisconsin | Yearly Change — Wisconsin | Avg. Annual Premium — US | Yearly Change — US |
|---|---|---|---|---|
| 2021 | $1,212 | $132 | $1,539 | $56 |
| 2020 | $1,090 | -$75 | $1,493 | -$51 |
| 2019 | $1,175 | $42 | $1,554 | $33 |
| 2018 | $1,123 | -$673 | $1,531 | $94 |
| 2017 | $1,806 | $224 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $44 |
| 2013 | $1,524 | -$53 | $1,205 | -$90 |
| 2012 | $1,587 | $383 | $1,286 | $92 |
It will take some time and investigation to find cheap car insurance quotes Wisconsin has for you. When assessing your history, current and future needs, you'll need to figure out which car insurance company would work best for you. You can also get free auto insurance quotes online in Wisconsin.
The amount of money you have to spend is a significant consideration. You may believe that meeting the bare minimums would suffice, but you should look into finding a car insurance policy that provides maximum coverage at a reasonable price. If you have the bare minimum of coverage, you might end up paying more than twice as much for any no-fault injuries.
Examine the specific requirements:Specific events in your personal life can affect your auto insurance policy, so you should assess the requirements. Since car insurance companies provide unique benefits, these factors can influence which insurance premium is best for you.
Consider the state requirements:It would help if you also remembered your geographic position, such as the state you live in and even your ZIP code when considering your needs. Depending on where you live, you might need shielding to shield you from heavy snow or rain, as well as other factors such as crime rates. Wisconsin is notorious for its heavy snowfall and bitterly cold winters, with Lake Michigan and Superior providing even colder weather. Emergency roadside assistance, 24/7 assistance, and engine protection coverage are available to Wisconsin drivers.
There are reputable auto insurance companies that offer cheap and good auto insurance quotes in Wisconsin.
The expert analysts at Way.com performed an annual survey of the best car insurance companies in Wisconsin to see which ones have the best coverage, rates, and service. The survey assigns points to insurance firms based on how well they handle billing and policy details, claims management, customer engagement, policy offerings, pricing, and overall customer satisfaction.
You'll want to compare car insurance discounts after you've shopped around and narrowed down the firms you're able to partner with. Compare not just the amount of discounts a business provides, but also the discounts you'll get after you enter. You will need to call and talk with a representative about the exact sum to get cheap car insurance in Wisconsin.
Compare the benefits you'd get from raising the deductible after you've done the homework of shopping around and evaluating discounts. Although a high deductible means a lower payout, the cost differential between a low and a high deductible may be substantial if you choose this route and set aside some money if you are involved in a severe accident.
Many Wisconsin residents will seek out cheap auto insurance Wisconsin. But a reasonable price and a good provider are possible. The companies that deliver the lowest premiums often happen to be the best car insurance companies in Wisconsin.
Remember that discounts differ between insurance companies, so it's best to contact them directly to determine which ones you qualify for.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Erie has the best rates in Wisconsin, with a minimum coverage rate of $297 and a monthly payment of $25.
On average, car insurance in Wisconsin costs $68 per month or $820 per year. This is higher than the average cost of auto insurance in other nations.
It is illegal to operate a motor vehicle in Wisconsin without evidence of insurance or financial responsibility. Driving without car insurance in Wisconsin will result in your license being suspended, fines of up to $500, and your vehicle being towed.
Property loss is valued at $10000. $25000 for a single person's accident or death. $50000 if more than one person is injured or killed.
In Wisconsin, full coverage insurance is typically characterized as a policy that offers more than the state's minimum liability coverage, $25000 per person for bodily injury, $50000 per accident for property harm, and $10000 for property damage.
In Wisconsin, personal injury insurance (PIP) is not needed. In Wisconsin, PIP isn't even open. Instead of PIP insurance, Wisconsin insurers sell medical payments insurance (also known as MedPay), which covers ambulance bills incurred due to a car accident.
When you apply for a driver's license or register a car, you are not required to have evidence of insurance until DMV requests it. It is a prerequisite before a driver's license is reinstated following a suspension or revocation.
Wisconsin became the 48th state to mandate drivers to make car insurance mandatory in 2010, and for the first time in more than 25 years, it increased minimum coverage rates.
Automobile insurance or, in rare cases, some other type of financial coverage is required for all Wisconsin drivers (surety bond, personal funds, certificate of self-insurance). Any auto insurance policy must contain at least the following coverage minimums.
Like most other motorized vehicles, motorcycle insurance is mandated by Wisconsin state law if you own a motorcycle and intend to ride it on public roads.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
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