Cheapest car insurance in Wisconsin in 2023

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

Cheapest company for full coverage

Cheapest company for adding a teen driver

Cheapest company for getting a speeding ticket

Cheapest company for being in an at-fault accident

Cheapest company after a high-risk incident

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:

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.

Getting a speeding ticket

Getting into an at-fault accident

Being deemed a high-risk driver

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.