Best car insurance in Wisconsin for 2025

To find the best auto insurance in WI, Bankrate’s insurance editorial team started by reviewing average premiums sourced from Quadrant Information Services. However, quality isn’t always tied to price.

We also reviewed coverage options, digital tool availability and customer service hours, along with other essential metrics to find the best Wisconsin car insurance. Then, we weighted this information to calculate a proprietary Bankrate Score. Bankrate Scores range from 0.0 to 5.0 — the higher a carrier’s score, the better it fared. Our scoring method is intended to give our readers a quick way to evaluate insurance companies and decide which carriers to request quotes from.

When evaluating your car insurance needs, you’ll want to first consider local factors. If you live in one of the metropolitan areas of Wisconsin, such as Milwaukee or Madison, you may want to strongly consider a full coverage policy to protect your vehicle from at-fault car accidents and theft. If you live in a rural part of the state, you may not be as concerned about these risks, but a full coverage policy can still account for other unique threats, like hitting a deer or slipping on unplowed roads in winter.

You’ll also want to consider your personal situation when crafting a policy and choosing a provider. For example, if you’re a young driver or have a less-than-perfect driving record, you may need to consider providers that specialize in high-risk drivers. You’ll also want to tailor your policy specifically to your vehicle. Old cars can sometimes get away with liability-only coverage, but you should look into providers that offer robust coverage options, like gap insurance, if you drive a newer vehicle. If you still have an outstanding loan on your car, your lender may require you to carry a full coverage policy. 

With so many car insurance options at your fingertips, reviews and ratings can serve as a good starting point to begin narrowing down your choices based on your personal preferences. 

If you’re concerned about customer service, you can review the J.D. Power Auto Insurance Study for overall customer satisfaction and the National Association of Insurance Commissioners Complaint Index to understand the frequency of customer complaints. If you want peace of mind about the claim filing process, you can check out the J.D. Power Auto Claims Satisfaction Study and AM Best for financial stability ratings (i.e., how reliable a company is at paying claims). If you prefer shopping for quotes and managing your policy online, take a look at the J.D. Power Insurance Digital Experience Study and user reviews on your respective mobile app store.

You may be able to find cheaper prices and more coverage options by considering national insurance companies. However, a smaller provider can provide you with a more personal and tailored experience. In-person insurance agents often have a unique understanding about local risks, like wildlife crossings or weather patterns. This knowledge may help you pick the right coverage types, and local agents may be quicker to respond to claims. 

Your car insurance premiums consider several variables, including your driving record, vehicle type, age, gender, credit rating and ZIP code. As a result, the cheapest car insurance for one driver may not be the most affordable for another. Not only are rates highly individualized, but they vary by company. Using our regularly updated list of the current cheapest car insurance in Wisconsin as a starting point, drivers can request free estimates from several insurers to see which may be the cheapest for them. When considering new carriers, it can be wise also to compare any available discounts on offer to see how that may affect your premium.

Full coverage in Wisconsin usually refers to an insurance policy that contains liability coverage and uninsured motorist insurance, as well as collision and comprehensive coverage. Some carriers may have additional coverage types, like rental reimbursement coverage, in a full coverage policy. Clarifying coverage types with your agent can help you understand what you're paying for when you select full coverage. 

To get car insurance in Wisconsin, you’ll need basic information about yourself and your vehicle to provide to an insurer or input into an online quote tool. This typically includes your name, date of birth, contact information, driver’s license number, vehicle identification number (VIN), odometer reading and ownership status (own, finance or lease). 

You should also know the types of coverage you want so you can compare quotes effectively. Wisconsin law requires a minimum of 25/50/10 liability coverage, as well as uninsured motorist coverage. While minimum coverage makes you street legal in WI, you’ll need to purchase more coverage for more robust protection. A licensed insurance agent can help customize a policy that helps match your needs and situation.