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Why Compare Car Insurance Rates in Wisconsin:

  • On average, people who compare rates save about $970 a year on car insurance
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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.


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Minimum Required Auto Insurance Coverage 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

Cheapest Car Insurance in Wisconsin for Minimum Required Coverage

The average minimum coverage rate in Wisconsin is $505. Allstate, the most expensive insurance company, charges 72% more. You'll spend 49% less for minimum coverage with THE GENERAL than the state average.

COMPANY AVERAGE ANNUAL RATE
The General $505
USAA $547
AAA $627
MetLife $714
State Farm $724
Acuity $735
Progressive $779
Erie Insurance $969
Statewide Average $972
Nationwide $1.006
American Family Insurance $1,070
Travelers $1,074
Farmers Insurance $1,379
Allstate $1,662

Do I Need More Than the Minimum Required State Coverage in Wisconsin?

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.

See what you could save on auto insurance

Wisconsin Car Insurance Laws

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:

  • Injury to the body: $25000 per person
  • Injury to the body: $50000 per accident
  • Per accident, property loss is valued at $100,000.
  • Property damage caused by uninsured motorists: $25000 per individual
  • Property loss caused by uninsured motorists: $50000 per accident

PIP laws in Wisconsin

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.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in Wisconsin

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.

Average Cost of Auto Insurance Companies in Wisconsin

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.

Cheapest car insurance quotes for Wisconsin drivers

Driving safely can pay off handsomely. A good driver might spend 46% less than the Wisconsin average for a bad driver with THE GENERAL coverage. 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 AVERAGE ANNUAL RATE
The General $545
USAA $571
State Farm $774
Progressive $834
Nationwide $970
Erie Insurance $999
Statewide Average $1,008
American Family Insurance $1,090
Travelers $1,126
Farmers Insurance $1,452
Allstate $1,716

Cheap car insurance in Wisconsin for young Wisconsin drivers

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 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $6,576 $6,576
American Family Insurance $2,817 $3,074
Erie Insurance $1,992 $2,514
Farmers Insurance $8,367 $8,710
The General $1,990 $2,030
Secura $2,453 $2,552
Erie $2,609 $2710
Nationwide $3,071 $3,579
Progressive $5,157 $5,735
State Farm $1,941 $2,464
Travelers $3,885 $4,787
USAA $1,483 $1,703
Statewide Average $2,123 $4,825

Cheap car insurance for Wisconsin drivers with a speeding ticket

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.

The average rate for THE GENERAL is the second-lowest.

Erie Insurance's typical rates do not alter due to a speeding ticket.

COMPANY AVERAGE ANNUAL RATE
USAA $653
The General $723
State Farm $823
Erie Insurance $989
Progressive $1,138
Nationwide $1,142
Statewide Average $1,218
Acuity $1,246
American Family Insurance $1,275
Travelers $1,477
MetLife $1,798
AAA $1,817
Farmers Insurance $1,890
Allstate $2,071

Cheap auto insurance for Wisconsin drivers after a car accident

Allstate has the most expensive average premium in Wisconsin for drivers having an accident on their record. Compared to the statewide average premium for drivers who have been in an accident, Allstate charges 93% more after an accident. Compared to the average state rate for skilled drivers, that increase would be 177%.

The average post-accident car insurance rate is $766 if you're covered with USAA. Although this is a 35% rise over their normal good-driver rate, it is still 24% lower than the state average.

COMPANY AVERAGE ANNUAL RATE
USAA $766
State Farm $892
The General $902
Erie Insurance $1,187
American Family Insurance $1,275
Statewide Average $1,482
Nationwide $1,476
Progressive $1,510
Travelers $1,538
AAA $1,542
Acuity $1,647
Farmers Insurance $2,086
MetLife $2,376
Allstate $2,776

Cheap car insurance quotes for Wisconsin drivers with a DUI

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 AVERAGE ANNUAL RATE
State Farm $833
Progressive $966
USAA $1,014
The General $1,139
American Family Insurance $1,285
Erie Insurance $1,375
Statewide Average $1,429
Travelers $1,690
Nationwide $1,817
Acuity $1,926
Farmers Insurance $2,016
MetLife $2,024
AAA $2,047
Allstate $2,151

Cheap car insurance for married Wisconsin drivers

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
The General $1457
Allstate $1625

Cheap full coverage car insurance quotes for young drivers with an accident history

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 Monthly rate
USAA $653
Erie $857
Secura $1133
State Farm $1313
Auto-Owners $1745
American Family $1781
The General $1985
Allstate $2245
Progressive $2309

See what you could save on auto insurance

Compare car insurance rates in top Cities

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.

CityAverage 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 Avg. Annual Premium
THE GENERAL $1,435
USAA $1,634
American Family $2,033
Progressive $2,846
Allstate $3,134
Auto-Owners Insurance Co $3,707
State Farm $5,232

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

How to find the best car insurance in Wisconsin

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.

How to Get Discounts on Car Insurance in Wisconsin

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.

Auto Insurance Data Methodology

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

Frequently Asked Questions

Who has the cheapest car insurance in Wisconsin?

Erie has the best rates in Wisconsin, with a minimum coverage rate of $297 and a monthly payment of $25.

How much is car insurance per month in Wisconsin?

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.

Is it illegal to not have car insurance in Wisconsin?

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.

What is the minimum car insurance required in Wisconsin?

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.

What is considered full coverage auto insurance in Wisconsin?

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.

Is Wisconsin a PIP state?

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.

Do you need insurance to register a car in Wisconsin?

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.

When did car insurance become mandatory in Wisconsin?

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.

Do you need to have car insurance in Wisconsin?

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.

Is motorcycle insurance required in Wisconsin?

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.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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