4.8out of 3,000+ reviews

Cheap Car Insurance in Wisconsin (2023)

Drivers in Wisconsin pay rates starting at $74/mo. for car insurance.

Secure. Free. Easy-to-use.
auto insurance
Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

With an average monthly premium of $165 per month, Wisconsin drivers live in the 14th-cheapest state for car insurance. But some Badger State drivers have habits that could negatively affect car insurance rates in their state. As of Sept. 30, 2022, about 12% of Wisconsin drivers and passengers still don’t wear seatbelts, and 444 people died in car crashes in the state, according to Wisconsin Department of Transportation data.[1]

Drivers who want to save even more should shop around for quotes from multiple providers to find the cheapest car insurance. The process starts by comparing quotes using online quote-comparison tools.

Quick Facts

  • The average cost of car insurance in Wisconsin is $165/mo.

  • State Farm is the cheapest provider in Wisconsin, with average rates of $74/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Wisconsin: State Farm

State Farm logo

State Farm

Best Cheap Car Insurance Wisconsin
Average Monthly Cost:
Insurify Composite Score:

Car insurance costs for Wisconsin drivers vary significantly based on the insurance company. Each company assesses the risk associated with your personal information, driving history, and other factors. State Farm offers the cheapest average monthly rates, at $74, but other cheap car insurance options are also available through USAA and Travelers.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$74
American Family89$118
Kemper PreferredN/A$114
National General58$136
Midvale Home & AutoN/A$146
Foremost SignatureN/A$156
Direct AutoN/A$186
Liberty Mutual82$192
State Auto76$207
The GeneralN/A$208
Bristol WestN/A$242
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

    Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Learn More: Best Car Insurance Companies

What to know about minimum car insurance requirements in Wisconsin

All motor vehicles operated or parked on Wisconsin roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration, if requested by the DMV

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Wisconsin are:[2]

  • $25,000 per person for bodily injury/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Wisconsin is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury and $25,000 per accident for uninsured/underinsured motorist property damage: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Wisconsin, drivers are only required to purchase coverage for bodily injury.

Wisconsin DMV information

The Wisconsin Division of Motor Vehicles (DMV) has services for drivers, vehicles, and other tasks. You can renew or replace your driver’s license, schedule a road test, apply for a vehicle title and plate, change your address, and get a copy of your driving record. Some of these services are available online, including renewing or replacing your driver’s license.[3]

Public transportation in Wisconsin

If you don’t own a car, your options for transportation are public transit, biking, and walking. The state of Wisconsin’s public transit system includes buses, trains, and ferries. These systems operate at both county-wide and multi-county levels. It runs throughout the state and can get you from city to city, including from Eau Claire to Milwaukee.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

Tips for getting cheap car insurance in Wisconsin

When looking for the cheapest car insurance rates, the best thing to do is to compare quotes from multiple auto insurance companies. Online comparison tools make it easy to compare policies across top car insurers in Wisconsin. To lower your rates, try seeking out car insurance discounts, opting for liability-only coverage, bundling multiple vehicles, and more.

Liability-only vs. full-coverage insurance in Wisconsin

If you live in Wisconsin, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Typically, auto lenders and leasing companies require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Wisconsin by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
State Farm$37$74
American Family$58$118
Kemper Preferred$57$114
State Auto$62$207
Foremost Signature$63$156
National General$86$136
Midvale Home & Auto$93$146
Liberty Mutual$119$192
The General$123$208
Bristol West$132$242
Direct Auto$134$186
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving history affects Wisconsin car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Wisconsin. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Wisconsin based on driving and accident history.

See More: High-Risk Car Insurance Wisconsin

Car Insurance CompanyAverage Monthly Quote 
State Farm$68
American Family$74
Kemper Preferred$102
National General$105
Midvale Home & Auto$120
Foremost Signature$145
Direct Auto$149
State Auto$166
The General$178
Liberty Mutual$188
Bristol West$205
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: SR-22 Car Insurance Wisconsin

SR-22 insurance in Wisconsin

An SR-22 is a document you submit to the Wisconsin Division of Motor Vehicles (DMV). The certificate is typically required of high-risk drivers. For example, you may need an SR-22 in Wisconsin if you want to get an occupational license after your driver’s license is suspended or revoked, to reinstate your driving privileges, or to drive with a sponsor if you’re under age 18.

Below, you’ll find a list of the companies offering SR-22 services in Wisconsin.

How credit scores affect Wisconsin car insurance quotes

Insurance companies in Wisconsin can use your credit score as another way to determine risk. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See More: Bad Credit Car Insurance Wisconsin

How your city affects Wisconsin insurance quotes

The ZIP code you call home is tied to different levels of risk, which impacts your auto insurance rates. A few factors tied to your location include average commuting times, crime rates, and population. Drivers living in densely populated cities tend to pay more for car insurance than those in smaller towns or suburban areas. Find the average rate based on your location below.

CityAverage Monthly Quote
Eau Claire$158
Fond du Lac$110
Green Bay$142
La Crosse$129
New Berlin$107
Oak Creek$149
Sun Prairie$269
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your age affects your Wisconsin car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Under 25$230
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for younger drivers

Car insurance rates for younger drivers are typically higher than for other age groups. Younger drivers, especially teenagers, are more likely to get into an accident, multiple studies show. Having moving violations on their driving records can also increase car insurance rates for young Wisconsin drivers. The following table provides some examples of how infractions can affect auto insurance rates in Wisconsin for young drivers.

Car Insurance CompanyAverage Monthly Quote
Kemper Preferred$63
State Auto$86
Foremost Signature$91
National General$109
Midvale Home & Auto$124
The General$162
Liberty Mutual$178
Bristol West$188
Direct Auto$199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for middle-aged drivers

If drivers maintain good records throughout their teens and 20s, they’ll likely see lower rates as they grow older. Still, moving violations can increase car insurance rates for middle-aged drivers. The following table provides insight into how an accident or DUI can affect auto insurance rates for middle-aged drivers in Wisconsin.

Car Insurance CompanyAverage Monthly Quote
Liberty Mutual$85
State Auto$48
Kemper Preferred$51
National General$66
Midvale Home & Auto$71
Foremost SignatureN/A
The General$96
Bristol West$102
Direct Auto$111
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Quotes for senior drivers

Seniors typically pay some of the lowest car insurance rates of any age group. They typically drive fewer miles than working-age drivers and tend to have higher credit scores — two factors that can reduce insurance rates. However, an accident or DUI will push rates higher for most senior drivers. The following table provides insight into what senior drivers in Wisconsin can expect to pay for car insurance with an accident or DUI on their records.

Car Insurance CompanyAverage Monthly Quote
Liberty Mutual$61
National General$43
Kemper Preferred$62
Bristol West$79
Midvale Home & Auto$82
Direct Auto$88
The General$90
State AutoN/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Wisconsin car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Wisconsin.

  • State Farm, USAA, and Travelers offer the cheapest auto insurance rates in Wisconsin, at $74, $78, and $98 per month. GEICO and American Family also offer affordable rates of $108 and $118, respectively.

    Opting for a liability-only policy can decrease your insurance premiums even further, as both State Farm and USAA offer average quotes below $40 per month. Comparing insurance costs from multiple companies remains the most effective way to lock in the most affordable option for your unique situation.

  • Wisconsin ranks as the seventh most-dangerous place to drive in the U.S., Insurify data shows. Around 20% of drivers have an incident on their driving records, and the state ranks fourth for the highest percentage of speeding tickets. Drivers with speeding tickets, DUIs, or at-fault accidents on their records tend to pay higher insurance premiums.

    Other factors that affect car insurance rates for Wisconsin drivers include age and credit history. Older drivers with more experience tend to pay less for car insurance than new drivers. And drivers with good credit tend to pay less than those with poor credit.

  • On average, Wisconsin drivers pay $165 per month for car insurance. However, rates vary widely based on your unique situation. For example, we found average monthly rates as low as $37 and $39 with some insurers. On the national level, Wisconsin drivers live in the 14th least-expensive state for car insurance.

    Although some Wisconsin drivers pay more, the average driver pays less than the national average of $233 per month. Compared to neighboring states, Wisconsin drivers pay less than Minnesota’s average of $197 per month and more than Iowa’s average of $133 per month.

  • Wisconsin drivers will find several high-quality car insurance companies with affordable rates. The three best are State Farm, USAA, and GEICO, with Insurify Composite Scores (ICS) of 88, 96, and 88, respectively. The ICS is determined using the latest industry rankings related to financial strength, customer satisfaction, and more.

    State Farm, which offers the cheapest overall quote for Wisconsin drivers, earned an A++ rating from A.M Best and a AA rating from Standard & Poor’s. USAA and GEICO earned A++ ratings from A.M. Best and AA+ ratings from Standard & Poor’s.

  • No, Wisconsin doesn’t require drivers to have PIP coverage. The state of Wisconsin operates with an at-fault system, which means the financial responsibility for an accident falls on the person who caused it. The liability insurance policy of the at-fault driver will pay to compensate others for their injuries and medical costs.

    In contrast, no-fault states require PIP coverage to cover your own medical payments after an accident. Some PIP policies also include coverage for non-medical benefits, such as compensation for lost wages and household expenses.

  • The state of Wisconsin requires drivers to carry minimum levels of car insurance. The minimum liability insurance requirements include $25,000 per person and $50,000 per accident for bodily injury and $10,000 per accident for property damage.

    You’re required to carry proof of insurance with you at all times. If asked to provide proof of insurance to law enforcement, you must present it. If you offer fraudulent proof of insurance, you could incur a fine of up to $5,000. If you’re caught driving without insurance, you might be fined up to $500.

  • In Wisconsin, car insurance follows the vehicle instead of the driver. If someone gets in an accident while borrowing your car, your auto insurance policy will kick in if necessary. After the coverage limits are met, the driver’s policy will typically cover the remaining costs associated with the accident.

    Although car insurance tends to follow the vehicle, it’s not a good idea to let an uninsured driver borrow your car. If an uninsured friend gets in an accident in your vehicle, they could face significant penalties.

  • A full-coverage policy includes liability, comprehensive, and collision coverage. Liability-only insurance is required by law to cover bodily injury and property damage costs after an accident. Although sticking with liability-only insurance results in lower monthly premiums, it’s not always the best option for your wallet.

    Opting for the comprehensive and collision coverage included in a full-coverage policy means that your insurance company is liable for more damages. Collision insurance coverage provides funds to repair or replace your vehicle after an accident, while comprehensive covers repairs or replacement costs from damage caused by a natural disaster, theft, vandalism, and more.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.


  1. Wisconsin Department of Transportation. "Safety: October 2022." Accessed December 12, 2022
  2. Wisconsin Office of the Commissioner of Insurance. "Automobile Insurance FAQs." Accessed December 12, 2022
  3. Wisconsin Department of Transportation. "Online driver license/ID services." Accessed December 12, 2022
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.