There are over 4.1 million drivers in Wisconsin, according to data from the Department of Transportation. Like the majority of states, Wisconsin requires drivers to have car insurance before they can legally be on the roads. However, 2018 data from the Wisconsin DoT found that over 65,000 people—almost nine percent of the state’s population—received a citation for not having insurance. Failure to provide proof of insurance was the third most common violation, behind speeding tickets and driving with a suspended license.
When it comes to shopping for car insurance, finding the right provider for your needs can be challenging and complex. In this article, we’ll help you find the cheapest car insurance in Wisconsin that fits your unique needs and your budget.
Best car insurance in companies in Wisconsin
There are several cheap car insurance providers available to Wisconsin residents that stand out for their affordable premiums and discount options. These companies offer excellent pricing, a wide range of coverage options and superior customer service.
- Auto-Owners Insurance: We put Auto-Owners Insurance on the top of the list because it’s a great all-around insurance company with affordable premiums, top-notch customer service and a wide variety of coverage options.
- Allstate: Allstate is a reliable car insurance company that offers a variety of online tools, to help customers get quotes, improve their driving and save money on their premium.
- Geico: Geico is consistently ranked as one of the best insurance companies for affordable premiums for all demographics, regardless of credit score, driving history or location.
- Travelers Insurance: Travelers Insurance is a great standard insurance provider with basic coverage options and a variety of discounts available to customers in Wisconsin.
According to J.D. Power’s 2019 U.S. Auto Insurance Study for the central region, Auto-Owners Insurance, Allstate, Geico and Travelers Insurance were ranked as the best car insurance companies.
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Finding the right cheap car insurance in Wisconsin for you
The car insurance companies we evaluated on this list all offer coverage at affordable rates. However, each company has their strengths. Here’s a breakdown of the types of driver that will benefit the most from the providers we analyzed.
Cheapest for good drivers: Geico
Geico offers the cheapest insurance rates across the board, but drivers with a clean record will save the most money on their annual premium.
Cheapest for coverage options: Auto-Owners
Auto-Owners Insurance offers an extensive lineup of coverage options at an affordable price. With the Personal Automobile Plus package, drivers can get coverage from expenses related to identity theft, changing locks, replacing a cell phone and more. To get a quote from Auto-Owners, you’ll need to call or visit an agent in-person.
Cheapest for drivers with accidents: Allstate
Allstate is well known for its Accident Forgiveness program, which ensures that a customer’s premium won’t increase if they’re in an accident. Similarly, drivers with a history of accidents can benefit from Drivewise®, which gives customers feedback on their driving so they can save on their premium over time.
Cheapest for students: Travelers Insurance
Travelers Insurance offers a few discounts for good students. Drivers that are enrolled in high school or college and maintain a “B” average or better can qualify for an 8 percent discount on their premium. If a covered student is at school at least 100 miles away and isn’t driving, they can qualify for a 7 percent discount. A good student in Wisconsin will pay an average if $1,600 per year with Travelers Insurance.
Average cost of car insurance in Wisconsin
According to the Insurance Information Institute, Wisconsin is among the least expensive states for car insurance, with an average annual cost of $688.32. But remember that the average rate can vary significantly based on a number of factors. Based on data from The Zebra, here’s what Wisconsin drivers pay for car insurance based on their age:
- 16 year old — $6,679
- 30 year old — $1,016
- 60 year old — $928
In addition to age, gender also has an impact on your rate. In Wisconsin, males pay an average of $1,032.41, whereas women pay about $10 less, at $1,025.31. Your marital status is also important. Single and divorced drivers spend about $1,032.41, yet married couples pay an average of $945.39.
The other major factor that determines your car insurance premium is your credit score. In Wisconsin, drivers with a fair credit score (580-669) pay about $1,554 per year. On the flip side, drivers with very good credit (740-799) pay $1,081, which is almost $500 less per year.
Car insurance discounts in Wisconsin
Most car insurance companies provide discounts to help their customers save money on their premiums.
For example, Auto-Owners insurance offers discounts for:
- Paying your policy in full
- Driving and insuring an electric or hybrid vehicle
- Getting a quote prior to the start date of the policy
Allstate helps drivers save money if they:
- Have safety features installed on their car, like anti-lock brakes and anti-theft devices
- Are a student with a B- average or a GPA of 2.7 or higher
- Insure a new vehicle
Geico offers steep savings for customers, including:
- Being a good driver (5 years accident-free)
- Being a member of the military or soldiers on emergency deployment
- Wearing your seatbelt
Travelers Insurance cares for its customers by providing savings for:
- Insuring multiple vehicles
- Taking an approved driver education course
- Bundling policies with home or renters insurance
State minimum insurance requirements in Wisconsin
The state of Wisconsin requires all drivers to have a minimum amount of car insurance. Wisconsin’s mandatory policies include liability for bodily injury, property damage and uninsured motorist coverage. Wisconsin follows a typical 25/50/10 insurance requirement, which provides $25,000 in coverage per person, $50,000 in coverage per accident and $10,000 for property damage.
What exactly do these numbers mean? In the event of an accident, your policy would cover $25,000 in medical expenses for one passenger, or $50,000 for anyone else injured in the accident. The $10,000 in property damage liability would cover the cost of repairs for another vehicle or property such a fence, mailbox or storefront, that you might have hit.
Frequently asked questions
Is car insurance required in Wisconsin?
Yes, car insurance is legally required in Wisconsin. Residents must have coverage for bodily injury, property damage and uninsured motorists. Coverage for underinsured motorists, medical expense coverage, collision and comprehensive is optional.
What is the cheapest car insurance in Wisconsin?
Geico is the cheapest car insurance available in Wisconsin. With Geico, Wisconsin residents spend an average of $686.63 per year on their insurance premium. However, remember that there are a number of factors that determine how much your premium will be.
What information is needed in order to get car insurance in Wisconsin?
To get a quote for Wisconsin car insurance, you’ll need to include your address, the type of vehicle you want to insure (make, model and year), your gender, marital status, your driving record and any information about the vehicle that could make you eligible for discounts, like safety features on your car.
How can I save money on car insurance in Wisconsin?
The car insurance providers we evaluated on this list all offer discounts for customers in Wisconsin. Drivers can often save money by bundling their policies, paying their policy in full, insuring a new car, having a clean driving record and owning their own home. Check out each provider’s discount page for a full list of the savings they offer.