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Cheapest car insurance in Wisconsin for 2023

Updated Jan 20, 2023
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In 2019, the most recent year with available data, the state of Wisconsin saw over 145,000 car crashes that injured almost 29,000 people. Tragically, over 500 people lost their lives. If you live in The Badger State, car insurance is a legal requirement. Not only does having a policy mean you will be able to drive legally, but you will also have financial protection should you cause an accident.

The cheapest car insurance in Wisconsin

In our search for the cheapest auto insurance in Wisconsin, 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 are among the cheapest in Wisconsin:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $199 $785
Erie $218 $922
Geico $227 $1,031
State Farm $231 $785
Progressive $277 $919


USAA sells car insurance exclusively to military personnel, their families and veterans. If you qualify for coverage, you may be eligible for some of the cheapest rates in Wisconsin. Additionally, USAA consistently receives high customer satisfaction scores from J.D. Power, although the carrier is not eligible for official ranking due to its eligibility restrictions.

On average, drivers who switch to USAA save over $700 per year. The company also offers discounts for being a safe driver, being a good student, garaging a vehicle on a military base, insuring a new vehicle, taking a driver training course, driving under a certain number of miles each year and being a long-time customer.

Learn more: USAA Insurance review


Erie is known for offering thorough coverage and great discounts plus low rates. Both Erie’s minimum coverage and full coverage average premiums are lower than Wisconsin’s average rates. Erie sells its insurance through a nationwide network of 13,000 agents, which may be appealing if you like handling your insurance needs in person.

With Erie, you may have access to discounts for insuring multiple vehicles, being a young driver, driving infrequently, having a car with safety equipment and paying your annual premium in full. Erie also has a “Rate Lock guarantee” and a disappearing deductible program that could round out your policy.

Learn more: Erie Insurance review


Geico’s average full coverage premium may be the highest on our list, but it is still below Wisconsin’s average full coverage premium. Geico is also well known for offering a wide range of discounts that might help you save. You might be able to save for being a member of the military, being a federal employee, having certain safety features on your car and insuring more than one car or policy.

If you like to handle your insurance needs digitally, Geico may be a good option. The company’s mobile app is highly rated on both the App Store and Google Play. You can file a claim, request roadside assistance, see your ID cards and make changes to your policy, all from within the app.

Learn more: Geico Insurance review

State Farm

State Farm is a popular insurance company in Wisconsin, and it is the biggest provider in the country, with 16.19% of the market share. If you are looking for cheap full coverage, State Farm may be a good option; the company ties with USAA for the lowest-priced average full coverage rate on our list.

State Farm offers many savings opportunities, including two safe driver discounts programs, Drive Safe & Save for adults and Steer Clear for drivers under 25. There are also discounts for safe drivers, good students, bundling policies, insuring multiple vehicles and being a student away at school.

Learn more: State Farm Insurance review


Progressive is the largest personal auto insurer in Wisconsin, writing nearly 20% of all private passenger auto policies. If you are looking for below-average premiums coupled with numerous coverage options and discounts, Progressive might be a good option.

In addition to the standard car insurance coverage, Progressive offers options like loan/lease payoff, custom parts and equipment coverage and ridesharing coverage. You may also be able to reduce your premiums by having continuous insurance, getting your quote online, buying your policy online, insuring multiple vehicles and taking advantage of automatic payment withdrawals.

Learn more: Progressive Insurance review

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. This means that, to drive legally in Wisconsin, you must carry at least:

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

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 comprehensive and collision coverages. Talk to your agent regarding the proper level of insurance for your needs.

How to get cheap car insurance in Wisconsin

There are several ways that drivers can find cheap auto insurance in Wisconsin. Besides choosing an affordable provider, here are some alternative ways to get cheap coverage:

  • Get multiple quotes: Take your time evaluating insurance providers and get 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.
  • Raise your credit score: Insurance companies look at your credit score when they calculate your premium. Improving your credit score might lower your car insurance premium.
  • Take a driver training course: Many car insurance companies offer savings for drivers who complete an approved driving training or defensive driving course.
  • 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.

Although Wisconsin’s average premiums are lower than the national average, saving money may still be a priority for you. Utilizing these tips might help you find coverage for a price that fits your budget.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.