How to Compare Car Insurance Quotes 2024
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Cheapest Car Insurance in Wisconsin (2024)

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Content was accurate at the time of publication.

The cheapest car insurance in Wisconsin for full coverage is from Erie, which offers an average rate of $991 a year. American Family is the next cheapest choice at $1,265 a year.

Find the Cheapest Car Insurance Quotes in Your Area

When looking for the best auto insurance for your situation at the cheapest price, comparing quotes from different providers can help you find a good mix of cost and coverage.

Below are some of the best choices for different scenarios.

Erie has the most affordable average rate for full-coverage car insurance in Wisconsin, at $991 a year. American Family is next, followed by Acuity.

CompanyAverage annual rate
Erie$991
American Family$1,265
Acuity$1,361
State Farm$1,371
Geico$1,780
Progressive$1,796
Allstate$2,215

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.

Full-coverage car insurance combines liability, collision and comprehensive coverage together, covering you for damages after an accident as well as others involved.

Collision coverage handles damages to your vehicle due to an accident, while comprehensive coverage takes care of other damage, including vandalism or theft of your car.

Erie has the lowest cost for liability-only car insurance in Wisconsin, at $293 a year. American Family is the next lowest, with State Farm in third place.

CompanyAverage annual rate
Erie$293
American Family$333
State Farm$412
Progressive$428
Acuity$478
Geico$568
Allstate$1,009

Rates are for liability-only car insurance for a 30-year-old male with a clean driving record.

Liability-only car insurance covers just those expenses from injury and property damage you cause to others in an accident.

Teens in Wisconsin find the cheapest car insurance quotes with Erie, at an average rate of $635 a year. American Family is the next most affordable choice, but it averages almost 50% higher than Erie.

CompanyAverage annual rate
Erie$635
American Family$932
State Farm$1,366
Geico$1,495
Progressive$2,669
Allstate$3,148
Acuity$3,280

Rates are for liability-only car insurance for an 18-year-old male with a clean driving record.

Young drivers’ insurance rates are generally the highest of all demographics. This is due to their relatively little experience behind the wheel and their higher chance of being in an accident.

If you’re looking to save money on car insurance for a teen living in your house, add them to your current car insurance policy. It will still raise your premium, but it will be cheaper than if you each had individual car insurance.

If you’re a Wisconsin driver with a speeding ticket on your record, your least expensive choice for car insurance is likely to be Erie, with an average rate of $1,095 a year.

State Farm is the next cheapest, followed by American Family.

CompanyAverage annual rate
Erie$1,095
State Farm$1,471
American Family$1,510
Acuity$1,901
Geico$2,285
Progressive$2,420
Allstate$2,503

Rates are for full-coverage car insurance for a 30-year-old male with one speeding ticket.

In Wisconsin, a speeding ticket usually stays on your record for five years before dropping off. During that time, you’ll probably see higher car insurance premiums.

Erie has the most affordable rates for Wisconsin drivers with an accident on their record, at an average rate of $1,326 a year. State Farm is the next best in terms of price.

CompanyAverage annual rate
Erie$1,326
State Farm$1,572
American Family$2,127
Acuity$2,394
Progressive$3,017
Geico$3,239
Allstate$3,495

Rates are for full-coverage car insurance for a 30-year-old male with one accident.

For Wisconsin motorists with a DUI (driving under the influence) conviction, Erie probably has the cheapest car insurance rate, with an average quote of $1,556 a year. Progressive is your next cheapest option.

CompanyAverage annual rate
Erie$1,556
Progressive$2,103
American Family$2,309
State Farm$2,448
Allstate$2,741
Acuity$2,769
Geico$3,162

Rates are for full-coverage car insurance for a 30-year-old male with one DUI.

If you have a DUI, you’ll see your car insurance rates increase. Car insurance companies consider drivers with a DUI on their record very high risk. You may even have your policy canceled, or denied a new policy.

If your license is suspended due to a DUI, Wisconsin law requires you to file an SR-22 in order to reinstate it. An SR-22 acts as proof of financial responsibility, and that you carry the state’s minimum liability coverage limits. You will need to maintain your SR-22 for three years.

Drivers in Wisconsin with a poor credit rating tend to get the most affordable car insurance with State Farm, at an average rate of $1,416 a year. Acuity would likely be the next-best option.

CompanyAverage annual rate
State Farm$1,416
Acuity$2,037
American Family$2,254
Erie$2,276
Geico$2,713
Progressive$2,954
Allstate$3,440

Rates are for full-coverage car insurance for a 30-year-old male with poor credit.

Poor credit can affect your car insurance cost, as many insurers see a connection between low credit and the risk of filing a claim.

There are different schools of thought on the use of credit-based insurance scoring. Some states have either limited or totally prohibited its use when calculating insurance quotes.

Among the 25 biggest cities in Wisconsin, Green Bay has the cheapest car insurance rates, with an average of $1,260 a year. Milwaukee, WI has the most expensive rates, with an average of $2,052 yearly.

CityAverage annual rate
Appleton$1,284
Beloit$1,377
Brookfield$1,497
Eau Claire$1,404
Fond du Lac$1,333
Franklin$1,528
Green Bay$1,260
Greenfield$1,692
Janesville$1,396
Kenosha$1,601
La Crosse$1,430
Madison$1,449
Manitowoc$1,360
Menomonee Falls$1,468
Milwaukee$2,052
New Berlin$1,425
Oak Creek$1,554
Oshkosh$1,302
Sheboygan$1,319
Sun Prairie$1,382
Racine$1,615
Waukesha$1,418
Wauwatosa$1,975
West Allis$1,737

Rates are for full-coverage car insurance for a 30-year-old male with a clean driving record.

Wisconsin state law requires drivers to carry the following minimum car insurance limits:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $10,000 property damage coverage
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Methodology

Unless stated otherwise, we looked at thousands of car insurance quotes in Wisconsin for a 30-year-old man with good credit and no tickets, accidents or convictions for driving under the influence, using a 2015 Honda Civic EX.

The following coverage limits were used:

  • Bodily injury liability: 50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive $500 deductible

The average cost of full-coverage car insurance in Wisconsin is $1,540 a year. The average cost of liability-only coverage is $503 a year.

Wisconsin is an at-fault state. This means that the person responsible for causing an accident is financially responsible for any resulting injury or property damage.