The Cheapest Auto Insurance in Wisconsin in 2023

Wisconsin is the 21st-cheapest state for car insurance in the U.S., according to Compare.com data. But while Wisconsin auto insurance rates are below the national average, keep in mind every driver’s premiums are personalized based on factors like coverage type, driving record, and age.

We analyzed recent rate data for different driver types, including drivers with a clean driving record, an at-fault accident, and a DUI. We also found the most affordable insurers for full coverage and state-minimum liability coverage. Read on to see which companies offer the cheapest car insurance in Wisconsin.

Key Takeaways:

• Wisconsin’s average car insurance rates are 15% cheaper than the national average.
• GEICO is the cheapest car insurance company in Wisconsin.
• Wisconsin requires drivers to purchase at least 25/50/10 in personal liability insurance.

Wisconsin’s Cheapest Car Insurance Companies

Wisconsin car insurance averages $110 per month, but there are ways to reduce your premium and get cheaper car insurance. Let’s look at the cheapest auto insurance companies in Wisconsin in the table below.

GEICO is the cheapest car insurance company in Wisconsin, with an average premium of $46 per month. GEICO’s average rate is 58% cheaper than the statewide average.

But GEICO may not be the cheapest insurer for all drivers in Wisconsin. Car insurance premiums are unique to each driver based on rating factors like age, driving record, and claim history.

We’ll look at how the average rates in Wisconsin compare to other states in the section below.

The Average Cost of Wisconsin Car Insurance

The average cost of car insurance in Wisconsin is about $1,320 per year. Wisconsin is the 21st-cheapest state for auto insurance — its average premium is roughly 15% lower than the national average.

Wisconsin also has lower rates than some neighboring states, like Illinois, Michigan, and Minnesota — but Iowa’s rates are the cheapest.

Location is just one factor that affects the cost of car insurance. In the sections below, you’ll see that your premium is also influenced by other factors — like the type of car insurance you purchase.

Cheapest Car Insurance Rates for State-Minimum Insurance: GEICO

Drivers in Wisconsin are required to have a minimum-coverage insurance policy to drive legally in the state. State-minimum insurance is usually the cheapest type of car insurance available — but rates will vary by insurer. A minimum-coverage policy pays for the other driver’s injuries and property damage if you cause an accident.

You can see which car insurance companies in Wisconsin are the cheapest for minimum coverage in the table below:

Our rate data shows that GEICO has the lowest minimum-coverage premiums in Wisconsin, with an average rate of just $24 per month. SECURA Insurance, Erie, American Family, and Auto-Owners also have affordable rates under $40 per month. All five insurers offer discounts, which might help you get an even lower rate.

Cheapest Car Insurance Rates for Full-Coverage Insurance: GEICO

A full-coverage car insurance policy offers more protection than liability coverage, but the premiums are also more expensive. Full-coverage insurance is optional, but it’s sometimes required if you lease or finance your vehicle.

Full coverage typically includes collision insurance, which pays for your vehicle’s repairs after an at-fault accident, and comprehensive insurance, which covers incidents like theft, vandalism, weather-related damage, and damage from falling objects. Full-coverage policies also include liability insurance.

Below, you can see which car insurance companies in Wisconsin have the cheapest full-coverage rates:

GEICO has the cheapest full-coverage car insurance in Wisconsin, with an average monthly premium of $68. SECURA Insurance is the second-cheapest, with an average rate of $70 per month.

Compare Wisconsin Auto Insurance Rates by Age

Age is one of the most important factors that affects car insurance. Young drivers typically pay the highest rates for car insurance because they lack experience on the road. On the other hand, senior drivers often pay the lowest rates because they tend to drive less often.

Let’s take a closer look at how age can influence your auto insurance rates in Wisconsin.

Cheapest car insurance for Wisconsin teens: SECURA Insurance

Car insurance rates are usually the highest for teen drivers. Young adults between the ages of 16 and 19 have higher accident rates than any other age group, which makes newly licensed teens more risky to insure. Rates typically start to drop once drivers reach the age of 25.

Below are the cheapest car insurance companies for 18-year-old drivers in Wisconsin, sorted by liability-only rates:

SECURA Insurance has the lowest car insurance premiums for teens in Wisconsin, with an average monthly rate of $75 for liability-only and $162 for full coverage. The company also offers a good student discount for drivers between the ages of 16 and 24.

Cheapest car insurance for Wisconsin seniors: GEICO

Senior drivers pay some of the lowest rates for car insurance in Wisconsin. As drivers approach retirement age, car insurance rates usually decrease because retirees tend to drive less.

Below, you can see which Wisconsin car insurance companies have the cheapest rates for 65-year-old drivers:

GEICO is the best option for cheap car insurance in Wisconsin for senior drivers. GEICO’s average rate for a 65-year-old driver is just $25 per month for liability-only insurance and $67 per month for full coverage.

GEICO also offers a special program for seniors over the age of 50 called the Prime Time contract. This program guarantees policy renewal, but it isn’t available in every state. The company also offers seniors several discounts, including bundling discounts, defensive driving course discounts, and retired military/government employee discounts.

Compare Wisconsin Auto Insurance Rates by Driving Record

Your driving record also influences the cost of your car insurance policy. Drivers with a history of traffic violations and accidents usually pay the highest rates. But finding affordable car insurance without a perfect driving record is still possible.

In the sections below, we’ll explore how auto insurance rates fluctuate based on your driving record and which insurers in Wisconsin offer the cheapest rates.

Cheapest car insurance for good drivers in Wisconsin: GEICO

Good drivers with no accidents or tickets on their records generally have the best car insurance rates. They may also qualify for special car insurance discounts.

The table below shows which car insurance companies in Wisconsin have the lowest rates for drivers with clean records

GEICO has the cheapest premiums for good drivers in Wisconsin, with an average rate of $24 per month for minimum coverage and $68 for full coverage. The company also offers a good driver discount of up to 22% for customers who have been accident-free for at least five years.

Cheapest car insurance in Wisconsin after a ticket: GEICO

Getting a speeding ticket can cause your car insurance premium to increase. Depending on your insurance company, your rate could increase by as much as 37% per month after a single ticket, according to Compare.com data.

In the table below, we found which car insurance companies in Wisconsin have the lowest rates for drivers with one speeding ticket:

GEICO has cheap car insurance for drivers in Wisconsin with a speeding ticket. Its average rates are $25 per month for liability and $72 for full coverage — a slight increase of 4% and 5%, respectively — compared to the company’s average rates for good drivers.

Cheapest car insurance in Wisconsin after an accident: SECURA Insurance

Your car insurance premium will increase if you get into an accident. The rate increase may depend on factors like your insurance company, the severity of the collision, and your driving record, but average rates can increase by 44% after an accident, according to Compare.com data.

The table below includes the cheapest car insurance companies in Wisconsin for drivers with one at-fault accident:

SECURA Insurance is the cheapest insurer for Wisconsin drivers with an at-fault accident. Its average rates are $33 per month for liability-only and $74 for full coverage.

Cheapest car insurance in Wisconsin after a DUI: State Farm

A DUI conviction can cause your car insurance premium to increase significantly. Your monthly rate could increase by more than 90%, according to Compare.com data.

In addition to higher rates, Wisconsin drivers with a DUI conviction face other consequences.

“In Wisconsin, a DUI conviction can lead to a large number of penalties, including fines, license suspension, mandatory ignition-interlock device installation, counseling, and potentially even jail time, depending on the situation,” says Jay Fenton, a Milwaukee-based attorney at Fenton Law.

“Individuals convicted of a DUI can face fines ranging from hundreds to thousands of dollars. Wisconsin also has strict regulations regarding DUI offenses, including mandatory alcohol education and assessment programs that can contribute to the overall financial burden.”

The table below includes the five cheapest car insurance companies for Wisconsin drivers with one DUI:

State Farm is the cheapest Wisconsin insurer for drivers with one DUI. State Farm’s average rates are $43 per month for liability-only insurance and $99 for full coverage. Western National and State Farm are tied for the cheapest liability-only coverage.

The Cheapest Cities for Car Insurance in Wisconsin

Where you live affects your car insurance rates. Aside from your ZIP code, a variety of location-specific factors can influence your premium. For instance, a city’s population density, vehicle theft rate, and accident rate may contribute to the average cost of auto insurance in the area.

Let’s take a look at how rates vary across some of Wisconsin’s biggest cities.

Milwaukee — the most populated city in Wisconsin — has the highest average monthly insurance premium, at $71. However, Madison — the second-largest city — has the cheapest car insurance rates in Wisconsin, averaging $42 per month.

5 Ways to Get Cheap Car Insurance in Wisconsin

Drivers in Wisconsin pay below-average rates for car insurance, but you can still further reduce your premium. Here are five tips to help you get cheap car insurance in Wisconsin:

1. Pay your premium in full: Most car insurance companies offer a small discount if you pay your annual premium up front.
2. Take a defensive driving course: You can often save money on your car insurance policy if you complete an approved defensive driving course.
3. Bundle your policies: Buying two insurance products, like car insurance and home insurance, from the same insurer can help you get a lower insurance premium.
4. Choose high deductibles: Choosing high deductibles for collision insurance or comprehensive insurance will reduce your monthly rate.
5. Shop around: Compare quotes from multiple insurers to find the best rate.

Wisconsin Auto Insurance Requirements

Car insurance is a legal requirement for all vehicle owners in Wisconsin. The state-minimum coverage policy includes:

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

Wisconsin residents must also purchase uninsured motorist liability insurance, which includes $25,000 bodily injury liability per person and $50,000 bodily injury per accident.

Penalties for driving without auto insurance in Wisconsin

Driving in Wisconsin without auto insurance is a serious offense. If you’re caught without car insurance, you’ll receive a fine of up to $500. Even if you fail to show valid proof of car insurance after a traffic stop or accident, you can be fined up to $10. If you offer fraudulent proof of insurance, you’ll receive a fine of up to $5,000.

SR-22 auto insurance in Wisconsin

If your license gets suspended or revoked in Wisconsin or your vehicle registration gets revoked, you’ll need to get SR-22 insurance. An SR-22 isn’t really an insurance policy — it’s a certificate that proves you have the state’s required car insurance coverage. An SR-22 is required to reinstate your driving privileges and must remain on file for three years. Your insurance company will typically file the form on your behalf, but may charge a fee.

Wisconsin Auto Insurance FAQS

You can find answers to some of the most commonly asked questions by Wisconsin drivers below.

Who is the cheapest auto insurance company in Wisconsin?

GEICO is the cheapest car insurance company in Wisconsin, with an average monthly premium of $46, according to Compare.com data. But GEICO may not be the cheapest insurer for everyone, depending on your personal factors and policy preferences.

How much is car insurance in Wisconsin?

The average cost of car insurance in Wisconsin is $110 per month, but some insurance companies offer cheaper rates. Additionally, car insurance premiums are personalized to each driver, so you might pay more or less than the state average rate.

Which city has the cheapest car insurance in Wisconsin?

Madison has the cheapest car insurance in Wisconsin. The average premium in Madison is $42 per month.

How much car insurance is required in Wisconsin?

Wisconsin drivers are required to have at least  25/50/10 in personal liability insurance, which is bodily injury coverage of $25,000 per person and $50,000 per accident and property damage coverage of $10,000. Drivers must also purchase $25,000 per person and $50,000 per accident in uninsured motorist coverage. But many drivers can benefit from higher liability coverage limits or a full-coverage insurance policy.

What happens if you get caught driving without insurance in Wisconsin?

If you get caught driving without car insurance in Wisconsin, you’ll receive a maximum fine of $500. You can also receive another fine if you get pulled over or get into an accident and fail to show proof of car insurance.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the quotes listed in this article have been gathered from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.

Sources:

1. Wisconsin DOT, “Minimum insurance requirements,” Accessed August 25, 2023.
2. CDC, “Teen Drivers and Passengers: Get the Facts,” Accessed August 25, 2023.
3. Wisconsin DOT, “OWI AND RELATED ALCOHOL AND DRUG OFFENSE PENALTIES (AS OF OCTOBER 1, 2020),” Accessed August 25, 2023.
4. Wisconsin DOT, “First OWI offense,” Accessed August 25, 2023.
5. Wisconsin Demographics, “Wisconsin Cities by Population,” Accessed August 25, 2023.
6. Wisconsin Office of the Commissioner of Insurance, “Frequently Asked Questions – Automobile Insurance,” Accessed August 25, 2023.
7. Wisconsin DOT, “SR22 Certificate (proof of insurance/financial responsibility),” Accessed August 25, 2023.