Best Car Insurance in Wisconsin: When you’re on the road in Wisconsin, having the right car insurance isn’t just a legal obligation; it’s essential for your peace of mind. Finding the best car insurance means getting the perfect balance between affordable premiums and reliable coverage.
Whether you’re a new driver, a seasoned pro, or somewhere in between, navigating the options for car insurance can be overwhelming.
But don’t worry—by the end of this article, you’ll know exactly how to choose the best car insurance for your needs in Wisconsin and how to get a free quote to start saving today.
Why You Need Car Insurance in Wisconsin
Car insurance is more than just a legal necessity in Wisconsin—it protects you from the financial repercussions of accidents. Whether it’s a minor fender bender or a major collision, insurance helps cover medical bills, repair costs, and even lawsuits. Without it, you could be on the hook for thousands of dollars. Wisconsin law mandates certain minimum levels of coverage, but having additional protection ensures you’re prepared for the unexpected.
Minimum Car Insurance Requirements in Wisconsin
Like most states, Wisconsin requires drivers to have a minimum level of car insurance. These mandatory coverages include:
- Liability Coverage: Wisconsin law requires a minimum of $25,000 per person and $50,000 per accident for bodily injury, along with $10,000 for property damage.
- Uninsured Motorist Coverage: You must also carry uninsured motorist coverage, which protects you if you’re hit by an uninsured driver. The minimum requirement is $25,000 per person and $50,000 per accident.
While these are the minimum requirements, many drivers opt for higher limits and additional coverage for better protection.
Types of Car Insurance Available in Wisconsin
In addition to the state-mandated liability and uninsured motorist coverage, there are other types of car insurance you can consider for extra protection:
- Liability Insurance: Covers costs for injuries and property damage you cause to others.
- Collision Coverage: Pays for damage to your vehicle in an accident, regardless of fault.
- Comprehensive Insurance: Covers damage to your car from non-accident-related incidents, like theft or natural disasters.
- Personal Injury Protection (PIP): Helps cover medical expenses, lost wages, and other costs associated with injuries from an accident.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient insurance.
Factors Affecting Car Insurance Rates in Wisconsin
Your car insurance premium in Wisconsin is influenced by a range of factors:
- Driver’s Age and Experience: Young and inexperienced drivers often face higher rates.
- Driving Record: A clean driving record can lower your rates, while tickets or accidents may raise them.
- Vehicle Type: The make and model of your car can affect your insurance premium. High-end or sports cars usually cost more to insure.
- Location: Where you live plays a role—urban areas with higher accident rates tend to have higher premiums.
- Credit Score: In Wisconsin, your credit score can impact your insurance premium. Those with better credit typically receive lower rates.
How to Get the Best Car Insurance Rates in Wisconsin
Want to save on car insurance? Follow these tips to secure the best rates in Wisconsin:
- Compare Quotes: Don’t settle for the first quote you receive. Compare offers from multiple insurers to find the best deal.
- Look for Discounts: Many insurers offer discounts for safe driving, bundling policies, or even having a good credit score.
- Choose the Right Coverage: While it’s tempting to go with the cheapest option, make sure you’re getting the coverage you need. Balance cost with protection.
- Bundle Policies: If you have other types of insurance (like homeowners or renters), bundling them with your car insurance could save you money.
Top Car Insurance Providers in Wisconsin
There are several leading car insurance providers in Wisconsin that consistently offer competitive rates and excellent customer service. Some of the top insurers include:
- State Farm: Known for their excellent customer service and wide range of coverage options.
- GEICO: Offers some of the lowest premiums, especially for good drivers.
- Progressive: Great for drivers who need a variety of coverage options and discounts.
- American Family Insurance: A Wisconsin-based company that’s great for local support and competitive rates.
Cheap Liability Insurance in Wisconsin
The average cost for a 6-month liability insurance policy in Wisconsin is $252. Based on our user data, GEICO, Erie and American Family tend to offer some of the most affordable liability options in the state.
Keep in mind, these quotes are much lower than full coverage since the level of coverage you choose directly impacts your premium. Below is a breakdown of monthly and 6-month liability insurance quotes from Wisconsin’s top insurers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $145 | $24 |
| GEICO | $147 | $25 |
| Erie | $164 | $27 |
| Progressive | $206 | $34 |
| American Family | $261 | $44 |
| State Farm | $272 | $45 |
| Farmers | $354 | $59 |
| Allstate | $377 | $63 |
Cheap full coverage insurance in Wisconsin
Full coverage insurance in Wisconsin averages $854 for a 6-month policy. A popular choice among drivers, 65% of The Zebra’s Wisconsin customers seek quotes for full coverage insurance.
While it costs more than liability-only policies, drivers searching for affordable full coverage in Wisconsin should consider starting with GEICO and American Family, both known for offering competitive rates in the state.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $528 | $88 |
| GEICO | $613 | $102 |
| American Family | $626 | $104 |
| Erie | $702 | $117 |
| State Farm | $1,002 | $167 |
| Farmers | $1,059 | $176 |
| Progressive | $1,077 | $180 |
| Allstate | $1,244 | $207 |
Best car insurance in Wisconsin — honorable mentions
To identify the top insurers in Wisconsin, we reviewed J.D. Power Auto Insurance ratings and gathered consumer reviews from nearly 3,000 drivers across Wisconsin and the U.S. This data helped us evaluate which companies stand out in terms of customer satisfaction, claims handling, and overall value. Companies like American Family, Progressive, and State Farm consistently rank highly in Wisconsin due to their solid reputations for customer service and comprehensive coverage options best car insurance companies in WI
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $528 | $88 |
| GEICO | $613 | $102 |
| Erie | $702 | $117 |
| State Farm | $1,002 | $167 |
How have car insurance costs in Wisconsin changed?
Auto insurance rates in Wisconsin have seen a bit of a rollercoaster ride in recent years. After spiking by $180 in 2022, premiums in the state have leveled off with a slight decrease of $9 expected for 2024, bringing the average annual premium to $1,388. This follows a milder increase of $15 in 2023 and a significant jump of $122 back in 2021, reflecting broader market trends. The changes, while fluctuating, have moderated recently, making it a little easier on drivers’ wallets compared to the larger swings in previous years.
Car insurance costs in Wisconsin since 2015
| Year | Avg. Annual Premium — Wisconsin | Yearly Change — Wisconsin |
|---|---|---|
| 2024 | $1,388 | -$9 |
| 2023 | $1,397 | $15 |
| 2022 | $1,382 | $180 |
| 2021 | $1,202 | $122 |
| 2020 | $1,080 | -$85 |
| 2019 | $1,165 | $52 |
| 2018 | $1,113 | -$683 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Car insurance in popular Wisconsin cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Ashwaubenon, Wisconsin, and the most expensive in Milwaukee, Wisconsin.
Have a look at the table below to see average car insurance costs in some of Wisconsin’s biggest cities.
Auto insurance quotes in Wisconsin’s biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Green Bay | $712 | $119 |
| Madison | $762 | $127 |
| Kenosha | $857 | $143 |
| Racine | $858 | $143 |
| Milwaukee | $1,108 | $185 |
Cheap auto insurance for teens and young drivers in Wisconsin
Young drivers between 16 and 25 face steep car insurance rates, with teens aged 16 to 19 seeing the highest premiums of all. Due to their inexperience, teen drivers can pay over three times the national average for coverage. In Wisconsin, this group gets hit especially hard, shelling out an average of $4,631 per year — a whopping 285% more than the typical driver in the state.
Cheapest car insurance quotes for young drivers in WI
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $1,520 | $253 |
| USAA | $1,550 | $258 |
| Erie | $1,733 | $289 |
| GEICO | $1,838 | $306 |
| State Farm | $3,419 | $570 |
| Farmers | $3,867 | $645 |
| Allstate | $3,962 | $660 |
| Progressive | $4,575 | $763 |
Wisconsin auto insurance quotes after an accident or ticket
Along with many other factors, your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase to as much as $2,488 per year.
Best insurance companies in WI after an accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $730 | $122 |
| American Family | $884 | $147 |
| Erie | $919 | $153 |
| GEICO | $984 | $164 |
| State Farm | $1,228 | $205 |
| Farmers | $1,454 | $242 |
| Allstate | $1,761 | $293 |
| Progressive | $1,820 | $303 |
Tip: Don’t forget about claims satisfaction
While we all hope to avoid using our insurance, a hassle-free claims process is key if you need it. In our Customer Satisfaction Survey, Erie Insurance stood out as a top pick for Wisconsin drivers, delivering strong claims satisfaction. If you’re shopping for coverage in Wisconsin, Erie is definitely worth a look.
In Wisconsin, a bad driving record can send your insurance rates soaring. A ticket or citation will likely raise your premiums, but how much depends on the type of violation, your insurer’s pricing, and state-specific factors. For example, a DUI can push your rates up by as much as 78%, while a speeding ticket could result in a 40% increase. Insurance penalties vary, so the impact of a violation in Wisconsin might differ from the national average. Check out typical rate hikes after common citations in the state below.
Wisconsin auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,710 | 0% | $0 |
| One Med/PIP claim | $1,723 | 1% | $12 |
| Not-at-fault accident | $1,797 | 5% | $87 |
| One comp claim | $1,825 | 7% | $115 |
| Two Med/PIP claims | $1,845 | 8% | $135 |
| Failure to show documents | $1,876 | 10% | $166 |
| Driving with expired registration | $1,922 | 12% | $212 |
| Failure to wear a seat belt | $1,935 | 13% | $225 |
| Two comp claims | $1,973 | 15% | $263 |
| Driving without lights | $2,036 | 19% | $326 |
| Child safety restraint | $2,050 | 20% | $340 |
| Speeding 6 – 10 MPH over limit | $2,068 | 21% | $358 |
| At-fault accident – less than $1000 | $2,088 | 22% | $377 |
| Cell phone violation | $2,103 | 23% | $393 |
| Speeding in school zone | $2,106 | 23% | $396 |
| Driving too slowly | $2,106 | 23% | $396 |
| Failure to yield | $2,110 | 23% | $400 |
| Speeding 16 – 20 MPH over limit | $2,119 | 24% | $409 |
| Speeding 11 – 15 MPH over limit | $2,119 | 24% | $409 |
| Illegal turn | $2,120 | 24% | $409 |
| Wrong way/wrong lane | $2,122 | 24% | $412 |
| Texting while driving | $2,125 | 24% | $415 |
| Following too closely | $2,148 | 26% | $437 |
| Failure to stop at a red light | $2,153 | 26% | $443 |
| Improper passing | $2,209 | 29% | $499 |
| Passing school bus | $2,246 | 31% | $535 |
| In 65 MPH zone | $2,358 | 38% | $647 |
| At-fault accident – $1000-$2000 | $2,455 | 44% | $744 |
| Speeding 21 – 25 MPH over limit | $2,463 | 44% | $752 |
| Operating a vehicle without permission | $2,471 | 44% | $760 |
| At-fault accident – greater than $2000 | $2,488 | 45% | $778 |
| Open container | $2,504 | 46% | $794 |
| Reckless driving | $3,241 | 90% | $1,531 |
| Racing | $3,255 | 90% | $1,544 |
| Refusal to submit to a chemical test | $3,274 | 91% | $1,564 |
| Driving with a suspended license | $3,284 | 92% | $1,574 |
| Leaving scene of an accident/hit and run | $3,305 | 93% | $1,595 |
| DUI | $3,307 | 93% | $1,596 |
Best Car Insurance for Different Types of Drivers in Wisconsin
Different drivers have different needs. Here’s a breakdown of some of the best car insurance options for various types of drivers:
- Young Drivers: GEICO often provides the lowest rates for new drivers.
- High-Risk Drivers: Progressive tends to offer more affordable coverage for those with a less-than-perfect driving record.
- Seniors: State Farm provides good options for older drivers, particularly those looking for low-mileage discounts.
- Families: American Family Insurance offers excellent multi-car and multi-policy discounts that can save families money.
Cheap Car Insurance in Wisconsin
Finding affordable car insurance doesn’t have to be difficult. To get the cheapest rates:
- Look for Usage-Based Insurance: Programs like Progressive’s Snapshot can save you money based on your driving habits.
- Consider Local Insurers: Sometimes smaller, regional insurance companies offer better rates than national brands.
Car Insurance Discounts to Look for in Wisconsin
Take advantage of these discounts to lower your car insurance premium:
- Safe Driver Discounts: If you have a clean driving record, you could save significantly.
- Multi-Policy Discounts: Bundle your home, renters, or life insurance with your car insurance to save.
- Good Student Discounts: Full-time students with good grades may qualify for discounts.
- Low-Mileage Discounts: If you drive less than the average mileage, you could save on your premium.
How to Compare Car Insurance Quotes in Wisconsin
Comparing car insurance quotes is the best way to ensure you’re getting a good deal. Here’s how:
- Use Online Comparison Tools: Many websites allow you to compare quotes from different insurers side-by-side.
- Evaluate Coverage Levels: Don’t just look at the price—make sure you’re getting the coverage you need.
- Check Reviews and Ratings: See what other customers say about their experience with the company, especially when it comes to handling claims.
What to Do After an Accident in Wisconsin
If you’re in an accident, follow these steps:
- Call the Police: Even for minor accidents, it’s important to file a police report.
- Exchange Information: Get the other driver’s contact, insurance, and vehicle information.
- File a Claim: Contact your insurance company as soon as possible to start the claims process.
Tips for Saving Money on Car Insurance in Wisconsin
Want to cut your car insurance costs? Try these tips:
- Raise Your Deductibles: A higher deductible means a lower premium, but make sure you can afford the deductible in case of an accident.
- Avoid Unnecessary Coverage: If you have an older vehicle, you may not need comprehensive or collision coverage.
- Maintain Good Credit: Insurers consider your credit score, so keeping it high can help lower your premiums.
Common Mistakes to Avoid When Choosing Car Insurance
When shopping for car insurance, avoid these common mistakes:
- Focusing Only on Price: Cheap insurance might not provide enough coverage when you need it most.
- Not Updating Your Policy: Make sure your policy reflects your current needs, especially if your driving habits have changed.
- Overlooking Discounts: Always ask about available discounts that can reduce your premium.
FAQs about Car Insurance in Wisconsin
What are the minimum car insurance requirements in Wisconsin?
In Wisconsin, drivers are required to have liability insurance with minimum limits of $25,000 for injury or death to one person, $50,000 for injury or death to more than one person, and $10,000 for property damage. These are often referred to as 25/50/10 coverage.
Is uninsured motorist coverage required in Wisconsin?
Yes, uninsured motorist coverage is required in Wisconsin. The minimum limits are $25,000 per person and $50,000 per accident for bodily injury. This coverage protects you if you’re involved in an accident with a driver who does not have insurance.
Can I get car insurance in Wisconsin if I have a poor driving record?
Yes, you can still obtain car insurance in Wisconsin even if you have a poor driving record. However, you may be considered a high-risk driver and face higher premiums. It’s advisable to shop around and compare quotes from different insurers who specialize in high-risk coverage.
How does Wisconsin’s weather affect car insurance rates?
Wisconsin’s weather, particularly its harsh winters, can affect car insurance rates due to increased risks of accidents from icy roads and snow. It’s important to have comprehensive coverage that includes damages from natural elements and collisions with animals, common during the winter months.
What should I do if my car insurance claim is denied in Wisconsin?
If your car insurance claim is denied in Wisconsin, first review the denial letter for the specific reasons. You can appeal the decision by providing additional documentation or clarification that supports your case. If you’re unable to resolve the issue with your insurer, you can contact the Wisconsin Office of the Commissioner of Insurance for assistance.
Conclusion
In summary, finding the best car insurance in Wisconsin requires understanding the unique factors that affect rates in the state, including weather conditions, urban versus rural traffic, and state-specific regulations. We’ve explored the importance of comparing different providers to ensure you’re getting the most comprehensive coverage at the most competitive rates.
We encourage you to take the next step towards securing your peace of mind on the road by getting a free car insurance quote today. This simple action can help you see potential savings and better tailor your coverage to suit your specific needs. Don’t miss the opportunity to protect yourself and your vehicle with the right car insurance policy in Wisconsin. Get your free quote now and drive with confidence knowing you’re well-covered.
References
For those interested in exploring more about car insurance in Wisconsin, the following references provide additional reputable information to help validate and expand on the content discussed:
- Wisconsin Department of Transportation – This official site offers insights into the legal requirements and guidelines for car insurance in Wisconsin. Visit the Wisconsin DOT.
- National Association of Insurance Commissioners (NAIC) – The NAIC provides detailed statistics and consumer information related to insurance providers and regulations in Wisconsin. Explore NAIC Resources.
- Insurance Information Institute (III) – A comprehensive resource for various types of insurance, including auto insurance. The III site includes tips on choosing the right coverage and understanding your policy’s details. Read More at III.
Each of these resources offers reliable and detailed information that can assist you in making informed decisions about your car insurance needs in Wisconsin.
