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Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
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.
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 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.
Company | Monthly Premium |
|---|---|
| GEICO | $46 |
| SECURA Insurance | $50 |
| American Family | $64 |
| State Farm | $65 |
| Auto-Owners | $66 |
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.
How we chose the cheapest companies in Wisconsin
Our team analyzed thousands of rates from dozens of the top insurance companies in Wisconsin. Using that data, we listed the five cheapest options for Wisconsin drivers based on several key factors, such as age, coverage level, driving history, and more. All the rates listed are based on someone who drives a 2016 Honda Accord and has the minimum limits for coverage in Wisconsin. The listed “full-coverage” rates include $500 deductibles for collision and comprehensive coverages in addition to state-minimum liability coverage.
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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.
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:
Company | Monthly Premium |
|---|---|
| GEICO | $24 |
| SECURA Insurance | $31 |
| Erie | $35 |
| American Family | $37 |
| Auto-Owners | $38 |
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.
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:
Company | Monthly Premium |
|---|---|
| GEICO | $68 |
| SECURA Insurance | $70 |
| American Family | $90 |
| State Farm | $91 |
| Auto-Owners | $94 |
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.
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.
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:
Company | Liability Only | Full Coverage |
|---|---|---|
| SECURA Insurance | $75 | $162 |
| Erie | $77 | $232 |
| Rural Mutual Insurance | $77 | $203 |
| GEICO | $78 | $208 |
| American Family | $94 | $205 |
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.
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:
Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $25 | $67 |
| SECURA Insurance | $31 | $67 |
| Erie | $33 | $95 |
| American Family | $35 | $82 |
| IMT Insurance | $36 | $105 |
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.
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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.
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
Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $24 | $68 |
| SECURA Insurance | $31 | $70 |
| Erie | $35 | $103 |
| American Family | $37 | $90 |
| Auto-Owners | $38 | $94 |
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.
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:
Company | Liability Only | Full Coverage |
|---|---|---|
| GEICO | $25 | $72 |
| Erie | $35 | $101 |
| SECURA Insurance | $41 | $91 |
| Western National | $43 | $183 |
| State Farm | $43 | $99 |
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.
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:
Company | Liability Only | Full Coverage |
|---|---|---|
| SECURA Insurance | $33 | $74 |
| GEICO | $40 | $117 |
| Western National | $43 | $183 |
| Erie | $44 | $123 |
| Auto-Owners | $46 | $111 |
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.
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:
Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $43 | $99 |
| Western National | $43 | $183 |
| GEICO | $47 | $125 |
| Chubb | $49 | $115 |
| Erie | $53 | $145 |
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.
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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.
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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:
Pay your premium in full: Most car insurance companies offer a small discount if you pay your annual premium up front.
Take a defensive driving course: You can often save money on your car insurance policy if you complete an approved defensive driving course.
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.
Choose high deductibles: Choosing high deductibles for collision insurance or comprehensive insurance will reduce your monthly rate.
Shop around: Compare quotes from multiple insurers to find the best rate.
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.
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.
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.
You can find answers to some of the most commonly asked questions by Wisconsin drivers below.
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.
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.
Madison has the cheapest car insurance in Wisconsin. The average premium in Madison is $42 per month.
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.
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.
Sources:
Wisconsin DOT, “Minimum insurance requirements,” Accessed August 25, 2023.
CDC, “Teen Drivers and Passengers: Get the Facts,” Accessed August 25, 2023.
Wisconsin DOT, “OWI AND RELATED ALCOHOL AND DRUG OFFENSE PENALTIES (AS OF OCTOBER 1, 2020),” Accessed August 25, 2023.
Wisconsin DOT, “First OWI offense,” Accessed August 25, 2023.
Wisconsin Demographics, “Wisconsin Cities by Population,” Accessed August 25, 2023.
Wisconsin Office of the Commissioner of Insurance, “Frequently Asked Questions – Automobile Insurance,” Accessed August 25, 2023.
Wisconsin DOT, “SR22 Certificate (proof of insurance/financial responsibility),” Accessed August 25, 2023.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates 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 rates listed in this article have been collected 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 readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Elizabeth Rivelli is an experienced content writer with expertise in insurance and personal finance. Elizabeth has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance, and she’s written for Compare.com since 2023.
Elizabeth’s byline has been featured in dozens of publications, including Investopedia, Forbes, USA Today, Bankrate, and several insurance companies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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