Cheapest Car Insurance in Wisconsin (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
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.
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.
Cheapest full-coverage car insurance in Wisconsin: Erie
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.
| Company | Average 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.
Cheapest Wisconsin liability-only coverage: Erie
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.
| Company | Average 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.
Cheapest rates for young drivers in Wisconsin: Erie
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.
| Company | Average 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.
Cheapest rates after a speeding ticket in Wisconsin: Erie
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.
| Company | Average 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.
Cheapest rates after an accident in Wisconsin: Erie
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.
| Company | Average 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.
Cheapest rates after a DUI in Wisconsin: Erie
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.
| Company | Average 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.
Cheapest Wisconsin rates for bad credit: State Farm
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.
| Company | Average 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.
Wisconsin insurance rates by city
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.
| City | Average 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.
Minimum coverage for car insurance in Wisconsin
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
Frequently asked questions
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.