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Cheapest car insurance in Wisconsin in 2023
Bankrate’s research reveals Geico, Rockford Mutual and USAA as being among the cheapest car insurance companies in Wisconsin.
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What To Know First
When it comes to affordable car insurance, Wisconsin residents have plenty of options. Drivers in the state already pay lower-than-average rates for car insurance. Full coverage costs an average of $1,292 per year and minimum coverage averages $358 per year, both of which are far lower than the national average.
The cheapest car insurance in Wisconsin will vary based on a number of rating metrics, and Bankrate knows this well. Our editorial team includes three licensed insurance agents and has nearly 50 years of combined experience in the industry. Our industry expertise and extensive research might help you find cheap car insurance in Wisconsin. These companies are among the lowest-priced in the state, on average:
- Cheapest company for minimum coverage: Geico & Rockford Mutual
- Cheapest company for full coverage: Hastings Mutual
- Cheapest company for adding a teen driver: Rural Mutual
- Cheapest company for getting a speeding ticket: Geico
- Cheapest company for being in an at-fault accident: Western National
- Cheapest company after a high-risk incident: Western National
On This Page
- The cheapest car insurance companies in Wisconsin
- The cheapest car insurance companies in Wisconsin by coverage level
- Cheapest cities in Wisconsin for car insurance
- Factors that impact cheap rates in Wisconsin
- Minimum coverage requirements for Wisconsin drivers
- How to get the cheapest car insurance in Wisconsin
- Car insurance discounts in Wisconsin
- Frequently asked questions
- Methodology
Cheapest insurance providers in
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance companies in Wisconsin
During the search for cheap car insurance, Wisconsin drivers may want to consider a number of car insurance rating factors. Average car insurance rates vary based on how much coverage you choose, the age of the drivers on your policy, your driving record and more.
To find cheap Wisconsin car insurance, we first obtained current premium information from Quadrant Information Services for the largest insurance companies in the state by market share. We also reviewed third-party rankings, coverage offerings and available discounts. Based on our research, the following companies offer low-cost car insurance in Wisconsin:
Cheapest company for minimum coverage
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $17 | $202 |
Rockford Mutual | $17 | $202 |
Cheapest company for full coverage
Company | Average monthly full coverage premium | Average annual full coverage premium |
---|---|---|
Hastings Mutual | $67 | $803 |
Cheapest company for adding a teen driver
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Rural Mutual | $36 | $426 |
Cheapest company for getting a speeding ticket
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Geico | $18 | $218 |
Cheapest company for being in an at-fault accident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Western National | $20 | $244 |
Cheapest company after a high-risk incident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
Western National | $20 | $244 |
The cheapest car insurance companies in Wisconsin by coverage level
Like most states, Wisconsin requires drivers to carry at least minimum levels of car insurance coverage to drive legally. While minimum coverage often results in cheap auto insurance, Wisconsin drivers may want to consider higher liability limits or full coverage for more robust financial protection. The companies below are among the cheapest in Wisconsin for both minimum and full coverage:
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
Geico
4.4
Bankrate Score
|
Average monthly minimum coverage premium
$17
|
Average annual minimum coverage premium
$202
|
Annual savings vs. State average*
- $156 |
Rockford Mutual
|
Average monthly minimum coverage premium
$17
|
Average annual minimum coverage premium
$202
|
Annual savings vs. State average*
- $156 |
USAA
4.3
Bankrate Score
|
Average monthly minimum coverage premium
$18
|
Average annual minimum coverage premium
$219
|
Annual savings vs. State average*
- $139 |
Rural Mutual
|
Average monthly minimum coverage premium
$19
|
Average annual minimum coverage premium
$230
|
Annual savings vs. State average*
- $128 |
Erie
3.8
Bankrate Score
|
Average monthly minimum coverage premium
$19
|
Average annual minimum coverage premium
$231
|
Annual savings vs. State average*
- $127 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
Hastings Mutual
|
Average monthly full coverage premium
$67
|
Average annual full coverage premium
$803
|
Annual savings vs. State average*
- $489 |
Rockford Mutual
|
Average monthly full coverage premium
$71
|
Average annual full coverage premium
$852
|
Annual savings vs. State average*
- $440 |
State Farm
4.2
Bankrate Score
|
Average monthly full coverage premium
$76
|
Average annual full coverage premium
$917
|
Annual savings vs. State average*
- $375 |
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$77
|
Average annual full coverage premium
$927
|
Annual savings vs. State average*
- $365 |
Travelers
4.0
Bankrate Score
|
Average monthly full coverage premium
$77
|
Average annual full coverage premium
$928
|
Annual savings vs. State average*
- $364 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
Cheapest cities in Wisconsin for car insurance
Your location within Wisconsin also affects your car insurance premium. Different cities have different costs of living, which can affect claim costs and thus car insurance costs. More claims in an area or more expensive claims — or both — result in increased premiums. The cheapest cities in Wisconsin for minimum and full coverage are listed below, along with the cheapest company in each city.
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
Plover | $296 | Geico | $176 |
Rudolph | $296 | Geico | $176 |
Hewitt | $297 | Geico | $175 |
Marshfield | $297 | Geico | $175 |
Tomahawk | $297 | State Farm | $177 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
Waukesha | $1,166 | Hastings Mutual | $616 |
North Prairie | $1,168 | Hastings Mutual | $616 |
Rothschild | $1,169 | Hastings Mutual | $734 |
Hanover | $1,170 | Hastings Mutual | $752 |
Lowell | $1,170 | Hastings Mutual | $614 |
Factors that impact cheap rates in Wisconsin
When shopping for cheap insurance in Wisconsin, you might want to keep in mind that car insurance rates are incredibly personalized. What is cheap for your situation may be a completely different price than what is cheap for someone else’s situation. Below, we analyze cheap car insurance rates in Wisconsin by several factors, including having a teen driver or a speeding ticket on your policy.
Insuring a teen driver
Teen drivers pay some of the highest average car insurance rates. This is due to their inexperience on the road. Teen drivers are the most likely of any age group to get into accidents, which creates a bigger risk of claims for insurers. To compensate, insurance companies charge higher rates. Based on our research, the cheapest car insurance in Wisconsin for a household with a teen driver comes from Rural Mutual, Erie and Rockford Mutual.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Rural Mutual | $426 | $2,194 |
Erie | $460 | $2,233 |
Rockford Mutual | $501 | $2,169 |
Western National | $533 | $3,385 |
Geico | $537 | $2,295 |
Getting a speeding ticket
Getting a speeding ticket conviction in Wisconsin is very likely to impact your car insurance premiums. The average cost of minimum coverage in the state with one speeding ticket on your record is $416 per year, and full coverage costs an average of $1,509 per year after a speeding ticket conviction. The following companies have lower average rates, though, so if you have a speeding ticket, you might want to consider getting quotes.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Geico | $218 | $1,018 |
Erie | $231 | $1,067 |
Western National | $244 | $1,718 |
Rockford Mutual | $251 | $1,062 |
Rural Mutual | $252 | $1,231 |
Getting into an at-fault accident
If you get into one at-fault accident, it’s likely that your car insurance premiums will increase. Causing a car accident can be an indication to insurers that you may be more likely to get into accidents in the future, thus creating a bigger risk. If you have an at-fault accident on your record, these Wisconsin car insurance companies are among the cheapest:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Western National | $244 | $1,719 |
Erie | $251 | $1,138 |
Rockford Mutual | $270 | $1,147 |
Geico | $280 | $1,335 |
State Farm | $290 | $1,133 |
Being deemed a high-risk driver
While there are many ways you can be viewed as a high-risk driver — multiple tickets, accidents or a combination, for example — having even a single major violation like a DUI conviction likely means you’ll have to look for nonstandard car insurance. DUIs are serious incidents and insurers charge accordingly if you have one on your record. Not all insurance companies will write policies for drivers with DUI convictions within a certain timeframe. If you’re interested in the companies below, contact them directly to discuss your eligibility.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
Western National | $244 | $1,718 |
State Farm | $333 | $1,280 |
Erie | $351 | $1,496 |
USAA | $393 | $1,728 |
Artisan and Truckers Casualty | $414 | $1.945 |
Minimum coverage requirements for Wisconsin drivers
Car insurance is a legal requirement in Wisconsin, as it is in most states. Drivers must carry at least 25/50/10 personal liability insurance, as well as uninsured motorist coverage. This means that, to drive legally in Wisconsin, you must carry at least:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Drivers who purchase minimum coverage often pay some of the lowest rates. However, cost is not the only factor when purchasing an auto insurance policy. Wisconsin’s minimum insurance requirement may not be enough to cover the full cost of an at-fault accident. If you cause an accident and the cost of the damages and injuries exceeds your insurance amount, you are responsible for those bills out of pocket. To better protect your finances, most insurance agents recommend that you purchase higher liability limits if you are able to.
Additionally, minimum coverage insurance does not include any coverage for your vehicle. If you need or want coverage for your own vehicle you will need full coverage, which includes both comprehensive and collision. Talk to your agent regarding the proper level of insurance for your needs.
How to get the cheapest car insurance in Wisconsin
There are several ways that drivers can find cheap auto insurance in Wisconsin. Besides choosing an affordable provider, there are some alternative ways to get cheap coverage. If you’re wondering how to save on car insurance in Wisconsin, you may want to take advantage of these steps:
Get multiple quotes
Take your time evaluating insurance providers and getting car insurance quotes from several companies. Comparing quotes side-by-side is one of the best ways to determine which company can give you the lowest rate for the coverage you need.
Look for discounts
Look for insurance companies that offer discounts for which you qualify. Some common car insurance discounts include being claims-free, bundling policies and insuring multiple vehicles. Discounts are one of the easiest ways to save on car insurance in Wisconsin.
Increase your deductibles
If you have full coverage, your auto policy has two deductibles: one for collision and one for comprehensive. When you opt for higher deductibles, your premium will generally decrease. However, it is important to be aware that your deductible is the amount that you will pay out of pocket if you file a claim for damage to your own vehicle. Choose a deductible that you feel comfortably paying if you are in an accident.
Car insurance discounts in Wisconsin
Most insurers offer at least a few savings opportunities to help you lower your premium, and it’s no different in Wisconsin. If you’re looking for Wisconsin car insurance savings, it might be helpful to search for a company that has a few discounts that you qualify for. While every company has its own selection of car insurance discounts, they generally fit into these categories:
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.