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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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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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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 drivers pay an average of $97 per month for auto insurance — well below the national average of $150. Low vehicle theft and accident fatality rates likely contribute to its lower-than-average insurance premiums.[1] [2]
But many companies have even cheaper coverage. For example, USAA, State Farm, and Auto-Owners offer rates starting at just $34 per month, according to Compare.com data.
We analyzed thousands of car insurance quotes to find Wisconsin’s cheapest insurers for various driver profiles to help you get the best deal and pick the right company. We’ll also provide tips on how to save on auto insurance in America’s Dairyland.
USAA is the cheapest car insurance company in Wisconsin, averaging $34 per month.
Liability-only rates in Wisconsin average $66 per month, and full-coverage premiums average $127.
Wisconsin drivers must have at least 25/50/10 liability coverage limits or face up to $500 in fines for operating a vehicle without insurance.[3]
Even with low average rates, several companies offer premiums below the statewide average.
The table below shows the five cheapest auto insurance companies in Wisconsin, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $34 |
| State Farm | $36 |
| Auto-Owners | $36 |
| Erie | $48 |
| American Family | $52 |
| Progressive | $53 |
| Chubb | $59 |
| GEICO | $60 |
| Direct Auto | $64 |
| Safeco | $66 |
| Dairyland | $67 |
| Farmers | $70 |
| Bristol West | $70 |
| Nationwide | $70 |
| GAINSCO | $79 |
| Root | $80 |
| The General | $88 |
| Travelers | $90 |
| Allstate | $101 |
| National General | $108 |
| Liberty Mutual | $116 |
| Foremost | $124 |
| State Auto | $134 |
The cheapest company in Wisconsin for liability insurance is USAA, with rates averaging $34 per month.
The cheapest insurance depends on many factors, including top rating factors like age, coverage level, and driving record. See how each factor affects premiums and which insurers come out cheapest below.
The above companies are good places to start gathering quotes and comparing rates. Remember, personal insurance premiums can vary significantly because of factors like your age, address, driving history, and coverage options.
Check out the table below to see the cheapest Wisconsin insurance companies for a variety of backgrounds and coverages, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $34 |
| Full coverage | USAA | $57 |
| Teens | USAA | $65 |
| Seniors | USAA | $26 |
| Drivers with a speeding ticket | USAA | $42 |
| Drivers with an at-fault accident | USAA | $42 |
| Drivers with a DUI | USAA | $52 |
| Drivers with excellent credit | Auto-Owners | $29 |
| Drivers with poor credit | USAA | $39 |
We break down each driver and coverage type even further in the following sections.
Comparing quotes can save you up to $867.†
Wisconsin requires minimum liability coverage of 25/50/10 and 25/50 uninsured motorist coverage. You can find more details about the minimum coverage requirements below.
That said, most experts recommend buying higher liability limits to protect you financially in case of a serious accident. In Wisconsin, minimum coverage averages $66 per month, according to our research.
If you’re only looking for state-minimum coverage, the chart below highlights the five cheapest insurers for basic coverage, according to Compare.com data.
Most Wisconsin drivers should consider full coverage. It meets the state’s minimum insurance requirements and provides coverage for your car, regardless of fault. Full coverage averages $127 in Wisconsin, according to our research.
Lenders and leasing companies typically require full coverage with comprehensive and collision coverage if you finance or lease a vehicle. You can customize your policy further with optional coverage like gap insurance, medical payments, and roadside assistance.
Several insurers usually offer full-coverage premiums close to the state average liability prices. Take a look at the chart below for Wisconsin’s five cheapest full-coverage car insurance companies, according to Compare.com data.
The youngest age group pays the most for car insurance. Teen drivers have the highest accident rates and are three times more likely to be in a fatal crash, mainly because of inexperience, speeding, and distracted driving.[4]
Teens in Wisconsin pay an average monthly rate of $195 for auto insurance, according to our data. But finding a good deal is still possible if you’re a teen driver.
The following five companies offer the cheapest average premiums for teen drivers in Wisconsin, according to Compare.com data.
Senior drivers have decades of road experience, which is likely why this age group has fewer accidents than other age groups.[5] Caution behind the wheel adds up to the cheapest average premiums of any age group, with seniors paying around $75 per month, based on our research.
Still, some companies usually offer a better deal, like the five cheapest insurers for Wisconsin seniors highlighted in the chart below, according to Compare.com data.
If you get a ticket, don’t be surprised if your insurance rates increase at your next renewal. In 2023, speeding contributed to 29% of traffic fatalities, and insurers see it as a sign of risky driving.[6] Because speeding increases the likelihood of filing a claim, insurers charge more. Our research shows rates jump by an average of 37% nationwide after just one speeding ticket.
Wisconsin drivers pay an average car insurance cost of $119 per month after a speeding ticket, according to our analysis.
If you have a recent speeding ticket on your record, consider getting quotes from the five cheapest insurers in Wisconsin according to Compare.com data.
Causing an accident has an even greater effect on your auto insurance premiums. A single at-fault accident causes national average rates to increase by 41%, according to our research.
The average cost of car insurance in Wisconsin with an at-fault accident is $119 per month. But you may find a better deal from a few companies.
Check out the five insurers highlighted below for the cheapest rates in Wisconsin after an at-fault accident, according to Compare.com data.
A DUI conviction can cause the most dramatic rate increase of any incident. Our research shows car insurance premiums increase by 61% nationally after a DUI conviction.
Our data shows that drivers in Wisconsin pay around $156 per month for auto insurance after a DUI conviction. But that doesn’t mean you’re stuck paying extremely high rates.
The chart below shows Wisconsin’s five cheapest car insurance companies for drivers with a DUI conviction, according to Compare.com data.
Some insurance companies consider your credit history when calculating car insurance costs because research shows drivers with poor credit are more likely to file a claim.[7] In fact, we found drivers with poor credit pay 20% more than drivers with excellent credit.
The average cost of auto insurance in Wisconsin with poor credit is $112 per month, according to our research. But not all insurers use credit as a rating factor, and some offer affordable rates, regardless of credit history.
Here are the five cheapest insurers for people in Wisconsin with poor credit, according to Compare.com data.
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Auto insurance isn’t one size fits all. What’s best for one driver may not suit another. That’s why we chose these companies as our top picks based on a combination of average rates in Wisconsin, available discounts, customer ratings and reviews, and coverage options.
The companies below stood out for offering strong value and reliable protection for Wisconsin drivers.
Compare.com Rating: 4.75 out of 5
Average full-coverage premium: $79 per month
Incredibly cheap rates in Wisconsin
Highly rated customer and claims satisfaction[8]
Many customizable coverage options
Hit-or-miss customer service[9]
No mobile claims filing
Minimal online account features
Erie is a top choice for Wisconsin drivers, earning the highest customer satisfaction score in the North Central region for the fourth consecutive year in the J.D. Power 2024 U.S. Auto Insurance Study. It’s also No. 1 in the 2025 U.S. Insurance Shopping Study and No. 3 in the 2024 Auto Claims Study.
You can also customize an Erie auto policy with coverages like vanishing deductible, pet injury coverage, personal item coverage, and a deductible waiver for glass repairs. Consider including Erie’s Rate Lock feature, which protects you from a rate increase after your first at-fault accident.
Compare.com Rating: 4.88 out of 5
Average full-coverage premium: $117 per month
Affordable premiums for Wisconsin drivers
Highly rated usage-based insurance program
Excellent digital customer service rating
Below-average digital shopping score
Rideshare coverage not available
Coverage availability varies by ZIP code
Nationwide has plenty of local agents to provide personalized service and an auto policy for almost any Wisconsin driver, from liability-only to full coverage. If you don’t drive much, consider its SmartMiles pay-per-mile insurance program, which charges you based on your monthly mileage.
The insurer’s SmartRide usage-based insurance program assesses your driving habits and will reward you for safe behaviors with up to 40% in savings. It’s the No. 1 pick for usage-based insurance in the J.D. Power 2024 U.S. Auto Insurance Study.
Compare.com Rating: 5.00 out of 5
Average full-coverage premium: $59 per month
Inexpensive premiums in Wisconsin
Rideshare coverage available
Many local agents
Must finalize online quotes with agent
Gap insurance not available
Fewer car discounts than competitors
State Farm is a great pick for Wisconsin drivers who want solid coverage and local support. It has many agents across the Badger State and scored above average in all the latest J.D. Power studies.
Rideshare drivers may want to consider State Farm for its rideshare endorsement. But you’ll have to look elsewhere if you want to include gap insurance in your full-coverage policy.
Local rates start as low as $34 per month.
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Like nearly every state, Wisconsin requires drivers to have car insurance. Minimum insurance requirements for liability coverage are:
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$10,000 per accident for property damage liability
You must also have matching liability limits for uninsured motorist bodily injury. It covers injuries to you and your passengers if you’re hit by a driver without insurance or involved in a hit-and-run.
Uninsured motorist property damage is optional. Consider including it if you want damage coverage for your vehicle to protect you against a hit and run or drivers without coverage.
Most experts recommend buying enough liability coverage to protect your assets in an accident. If you’re at fault, the other driver can sue you if your coverage limits are lower than the damage and injuries you cause. Liability insurance can also pay for legal expenses in a lawsuit, making higher limits even more valuable in an at-fault accident.
Lenders typically require collision and comprehensive coverage when you lease or finance a vehicle. Otherwise, the coverages are optional. But you can rest knowing that they’ll pay for damage to your car, regardless of fault.
If you’re shopping for auto insurance in Wisconsin, these answers to common questions can help you find the right coverage at a great price.
Wisconsin drivers pay an average of $97 per month for car insurance, according to Compare.com data. Liability-only policies cost around $66, while full coverage runs about $127 per month.
USAA is Wisconsin’s cheapest auto insurance company. Its average premiums for state-minimum coverage cost $34 per month, according to Compare.com data. It may not be the cheapest option for you, so it’s important to shop around for the best rate.
No. On average, Wisconsin drivers pay $97 per month for auto insurance. For context, the national average cost is $150, according to Compare.com data. Remember, car insurance costs depend on multiple factors, including your ZIP code, driving history, age, and coverage needs.
Driving without insurance in Wisconsin is illegal, and you must keep proof of valid insurance while driving. If an officer stops you and you don’t have current insurance that meets the state’s minimum coverage requirements, you could face a fine of up to $500, according to the Wisconsin DMV.
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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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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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