Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Wisconsin.

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Updated on Feb 7, 2025

R.E. Fulton

Expert Insurance Writer and Editor

Reviewed by Josh Damico, Head of Insurance Operations

Edited by Lina Zhang, Lisenced Insurance Agent

Learn more about our insurance review board

What's on this page?

How to find the cheapest car insurance quotes in Wisconsin
Cheapest car insurance companies in Wisconsin
WisconsinCar Insurance Coverage Requirements
Wisconsin Car Insurance Rating Factors
How different factors impact your car insurance costs in Wisconsin
Car Insurance for Wisconsin Drivers With a Low Credit Score
How to lower car insurance costs in Wisconsin
FAQs
Methodology
Meet our Experts

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How to find the cheapest car insurance quotes in Wisconsin

Wisconsin does not have a single

car insurance

provider that consistently offers the cheapest rates for everyone.

Savvy shoppers will find that one of the best ways to find cheap auto insurance in Wisconsin is to shop around and compare quotes from multiple providers.

Date	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
February 7, 2025	Nationwide	$80	Lee, 30 Sheboygan, WI	Volkswagen Passat R-Line	• State Minimum Liability • Comp / Collision
February 2, 2025	Progressive	$139	Bradley, 21 Fitchburg, WI	Dodge Challenger SXT	• State Minimum Liability
January 30, 2025	Safeco	$132	Floyd, 50 Milwaukee, WI	Buick Enclave CXL	• 50,000/100,000 Liability • Comp / Collision
January 29, 2025	Travelers	$89	Garrett, 33 Milwaukee, WI	Subaru Crosstrek Premium	• 50,000/100,000 Liability • Comp / Collision
January 21, 2025	Allstate	$81	May, 70 Racine, WI	Toyota Highlander	• 100,000/300,000 Liability • Comp / Collision

Last Updated Feb 7, 2025

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Cheapest car insurance companies in Wisconsin

Jerry

wanted to know what car insurance companies offered the cheapest rates in Wisconsin, so we conducted the largest insurance shopping survey in the nation, analyzing information from more than 15,000 policyholders over 18 months.

What we learned: No single car insurance company has the cheapest rates for everyone. This is mainly because car insurance rates are determined based on various factors, many of which are highly specific to individuals.

[cheapest providers/ratings]

While saving on car insurance is important, the best car insurance companies will also offer excellent customer service.

Check out what Wisconsin drivers have shared about their experiences with providers they found through Jerry.

How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

As a licensed insurance agency, Jerry allows you to quickly compare car insurance from the nation’s top providers, all in one place. If you find the right policy at the right price, we can even help you make the switch and cancel your old policy.

Minimum liability and full coverage

Mandated by

Wisconsin driving laws

, drivers must carry minimum liability coverage on their car insurance policy. For many drivers, it’s often a good idea to opt for

full coverage

and other coverage types as well.

Cheapest minimum liability coverage car insurance quotes in Wisconsin

At minimum, Wisconsin drivers must have the following liability coverage limits:

Bodily injury liability: $25,000 per person, $50,000 per accident

Property damage liability: $10,000 per accident

You might see this liability coverage referred to as 25/50/10.

Also required: At least $25,000/$50,000 in

uninsured motorist coverage

for bodily injury.

Here’s a look at rates Wisconsin drivers have found for minimum liability coverage with Jerry’s help:

Do you need more than minimum coverage in Wisconsin?

In most cases, Wisconsin drivers are often better off choosing higher car insurance limits than Wisconsin’s legally required minimums.

This is because severe accidents can quickly exceed these limits. After an at-fault accident, you’d need to find a way to pay for any injuries or property damages your insurance doesn’t cover.

For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.

"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"

Sean S.

| Verified Jerry Customer

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Cheapest full coverage car insurance quotes in Wisconsin

If you want protection for your vehicle, you’ll want to add full coverage to your policy.

Full coverage generally refers to both

comprehensive

and

collision coverage

Collision insurance: Covers vehicle repairs or replacement costs after an accident.

Comprehensive insurance: Covers vehicle repairs or replacement costs after damages caused by other types of incidents, including vandalism, theft, severe weather, or hitting an animal.

If you have a car loan: It’s common for lenders to require that you keep full coverage on your car insurance policy until your loan is paid off.

Here are rates Wisconsin drivers have found for full coverage car insurance.

Insurance Coverage	Insurance Company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Nationwide	$80	Lee, 30 Sheboygan, WI	Volkswagen Passat R-Line
• 50,000/100,000 Liability • Comp / Collision	Safeco	$132	Floyd, 50 Milwaukee, WI	Buick Enclave CXL
• 100,000/300,000 Liability • Comp / Collision	Travelers	$278	Jorge, 31 Somerset, WI	KIA Sorento EX
• 50,000/100,000 Liability • Comp / Collision	State Auto	$117	Daniel, 39 Brookfield, WI	KIA Sportage LX
• 100,000/300,000 Liability • Comp / Collision	Clearcover	$97	Lester, 41 Oshkosh, WI	Hyundai Elantra SE

Last Updated Feb 7, 2025

Average rates for state minimum liability coverage and full coverage

The data from Jerry’s study shows that in Wisconsin, the average cost for minimum liability coverage is $[X] per year or $[X] per month. For full coverage, the average cost is $[X] per year or $[X] per month.

Insurance coverage	Average insurance cost (monthly)	Average insurance cost (yearly)
State minimum coverage	$101	$1,210
Full coverage	$109	$1,302

Of course, averages can be helpful when trying to predict insurance costs, but your actual car insurance rate will depend on a variety of factors, including:

The type of car you drive

Where your keep your car

Your driving record

Your age, gender, and other demographics

Wisconsin car insurance: Additional coverages

Beyond what’s legally required, there are plenty of optional car insurance coverage types that you can consider in Wisconsin, including:

Medical payments coverage

Comprehensive coverage

Collision coverage

Towing and labor coverage

Rental reimbursement coverage

For car loans: Consider

gap insurance

. Vehicle values can depreciate quickly, especially during the first several years of ownership. If your car is stolen or totaled and its value has fallen below your remaining car loan balance, gap insurance can help you with the difference.

If you borrow someone’s vehicle but don’t own your own: You might want to consider a

non-owner car insurance

policy. This will give you the mandatory car insurance coverage that’s legally required in Wisconsin, and you can often add optional coverages to your policy as well. That said, full coverage won’t be available, since the vehicle owner’s policy would be responsible for this.

Not in Wisconsin?

Michigan car insurance

Illinois car insurance

Iowa car insurance

Indiana car insurance

Minnesota car insurance

Ohio car insurance

Missouri car insurance

Kentucky car insurance

Car insurance premium by rating factors

Car insurance companies in Wisconsin will review a wide range of factors making up your driver profile when calculating your rate, such as:

What kind of car you drive: Full coverage is usually more expensive for luxury cars, sports cars, or high-value vehicles.

What you use your vehicle for: A car insurance policy for a vehicle you drive to work daily will likely cost more than one for a car that’s only driven occasionally.

Your driving record: Car insurance is typically more expensive for drivers with a history of accidents and/or violations.

Where you keep your car: Insurer’s will evaluate your area’s population density, accident rates, weather trends, and crime rates. If you’re able to keep your vehicle in a secure garage, you can often see a lower rate.

How different factors impact your car insurance costs in Wisconsin

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Wisconsin currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more abut the car insurance rating factors in Wisconsin:

Cheapest Wisconsin car Insurance after a driving violation

Your driving record will contain some of the most important information when it comes to determining your Wisconsin car insurance costs. Following the rules of the road will make it that much easier to find a cheap premium.

Cheapest car insurance for Wisconsin drivers with a speeding ticket

Any violations on your driving record, including speeding tickets, can affect your Wisconsin car insurance costs. That said, a ticket for driving 6 mph over the speed limit may not have the same effect as one for driving 20 mph over the speed limit.

Find out what rates other Wisconsin drivers have found—even with varying degrees of speeding tickets on their records.

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Cheap rates

Petia

I had them in the past and I should have stayed with them

Bogdan

It's awesome.

Shamsul

This is a great insurance company

Victoria

Cheapest auto insurance in Wisconsin after a DUI

DUI conviction

can dramatically increase your car insurance costs, but shopping around for new quotes could help you find a more affordable coverage option.

Here are some rates Wisconsin drivers have found with Jerry after a DUI violation.

Wisconsin SR-22 insurance

High-risk drivers may be required to

file an SR-22

in Wisconsin for a certain period of time. You might also be subject to

SR-22 requirements

to reinstate a suspended or revoked driver’s license.

Although not all providers will offer policies to high-risk drivers, others specialize in doing so. Shopping around will give you a range of options to consider and help you find the most affordable policy.

Cheapest Wisconsin auto Insurance after an at-fault accident

After an accident your car insurance premium could increase significantly—especially if you were found at fault. Shopping for new rates could help you find a cheaper premium.

FAQ

Is Wisconsin an at-fault state?

Wisconsin is an at-fault state: In at-fault or tort states like Wisconsin, the driver determined to be at fault for a collision is financially responsible for covering costs of resulting injuries or property damage.

This can also make Wisconsin car insurance rates lower when compared to no-fault states due to fewer minimum coverage requirements.

Cheapest auto insurance after other violations in Wisconsin

Having violations on your

driving record

will likely impact your car insurance rates. Just how much might depend on the severity of the violation.

From

reckless driving

to improper passing, these are rates other Wisconsin drivers found after various types of violations.

Cheapest Wisconsin auto insurance based on insurance history

Your auto insurance history will also affect your Wisconsin car insurance costs.

Car insurance companies like to see policyholders maintain consistent coverage over a given period of time, and those who do will often secure lower rates.

On the other hand, having past

car insurance coverage lapses

could leave you paying more for a policy.

If you’re shopping for car insurance for the first time, you can start out by selecting a policy that offers the coverage you need while remaining within your budget.

Because making on-time payments is crucial for maintaining your coverage, Jerry can send customers payment reminders and late payment warnings.

Currently insured or not, here are examples of rates other Wisconsin drivers recently found with Jerry.

Progressive

Sara (40 years old)

Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Hobart, WI

Chrysler 300

$81

per month

Nationwide

Edna (31 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Milwaukee, WI

Toyota Avalon

$167

per month

Safeco

Carlos (29 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Cleveland, WI

Jeep Grand Cherokee Laredo

$65

per month

Allstate

Leon (24 years old)

Not Currently Insured

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

North Prairie, WI

Toyota Tacoma Double Cab

$152

per month

Mercury

Philip (35 years old)

Currently Insured

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Rosendale, WI

Ford Taurus SHO

$119

per month

State Auto

Ricardo (40 years old)

Not Currently Insured

Coverage

State Minimum

Milwaukee, WI

Mitsubishi Outlander ES

$269

per month

Cheapest car insurance for drivers with poor credit

Unfortunately, drivers who have poor credit are considered statistically more likely to file insurance claims, which can leave them with higher rates.

Taking the steps to build good credit can help you save on car insurance in the long run. In the meantime, shopping around for quotes could help you find a more affordable rate for where your credit currently is.

Take a look at what Wisconsin drivers with varying credit scores are paying for their car insurance.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage
> 750	Progressive	$92	Ada, 33 Ladysmith, WI	Jeep Compass Limited	• 50,000/100,000 Liability • Comp / Collision
660 - 750	Allstate	$154	Hilda, 43 Waukesha, WI	KIA K5 EX	• 50,000/100,000 Liability • Comp / Collision
550 - 659	National General	$269	Milton, 21 Milwaukee, WI	Pontiac Grand Prix GT	• State Minimum Liability
< 550	Allstate	$157	Ada, 27 Fond Du Lac, WI	Ford Fusion SE	• 100,000/300,000 Liability • Comp / Collision

Last Updated Feb 7, 2025

Cheapest Wisconsin car insurance by age

Your age has plenty of influence on your Wisconsin car insurance rate—and young drivers usually see the most expensive premiums.

Following the teen years, Wisconsin drivers can generally expect their car insurance rates to gradually decrease over time. Then, costs will gradually start to increase again around age 75—but averages still usually remain cheaper than those seen with teen drivers.

Cheapest Wisconsin car insurance for young drivers

Teen drivers between the ages of 16 and 19 can typically expect to pay the most for car insurance.

This is largely because

young and new drivers

have a significantly higher risk of accidents.

That risk makes it a good idea to consider full coverage—especially if the vehicle you or your teen is using is newer or higher in value.

Progressive

Jack (21 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Mauston, WI

Ford Escape XLT

$84

per month

Safeco

Eugenia (22 years old)

Coverage

50,000 per person

100,000 per accident bodily injury

Comp / Collision

Peshtigo, WI

Jeep Renegade Latitude

$222

per month

Allstate

Josie (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

New Richmond, WI

Subaru Impreza

$92

per month

Travelers

Chester (23 years old)

Coverage

250,000 per person

500,000 per accident bodily injury

Comp / Collision

Elkhorn, WI

Chevrolet Cruze LT

$172

per month

Clearcover

Margaret (23 years old)

Coverage

State Minimum

Milwaukee, WI

Mitsubishi Mirage G4 ES

$165

per month

Bristol West

Lela (24 years old)

Coverage

100,000 per person

300,000 per accident bodily injury

Comp / Collision

Milwaukee, WI

Jeep Compass Limited

$358

per month

Cheapest Wisconsin car insurance for senior drivers

Senior drivers

face an increased risk of accidents, as well as experiencing severe injuries after an accident—which can cause car insurance costs to rise around your mid-seventies.

But you could still find a better rate by seeking out new

car insurance quotes

Here’s a look at rates senior drivers in Wisconsin have found with Jerry’s help.

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So far everything is good

George

Amazing

Natasha

The cheapest I have found

Amy

Cheapest car insurance for popular cars

The kind of car you drive will also affect your insurance costs. Auto insurance companies will look at factors like your vehicle’s age, theft risk, safety, and possible repair and replacement costs when calculating the cost of your premium.

Popular vehicle models in Wisconsin include:

Ford F-150

Honda Civic

Chevrolet Silverado

RAM 1500

Toyota RAV4

Chevrolet Equinox

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage
Toyota RAV4 XLE	Progressive	$90	Georgie, 43 Green Bay, WI	• 100,000/300,000 Liability • Comp / Collision

Last Updated Feb 7, 2025

Car insurance cost for new vs. old car

New vehicles usually cost more to insure than their older counterparts.

In Wisconsin, the average cost of full coverage for a car more than 10 years old is $[X], while insuring a car less than four years old costs an average of $[X]—which is [X]% more.

Wisconsin cheapest car insurance by location

Where you keep your car will have a big impact on your car insurance premium since it affects your vehicle’s exposure to risks. Drivers in Milwaukee, Green Bay, and Erie could very well see different rates.

Car insurance companies will evaluate your city’s:

Population density

Crime rates

Accident rates

Weather trends

Even within the same city, different zip codes may see different average insurance costs.

Here’s what various drivers pay for car insurance across Wisconsin.

How to lower car insurance costs in Wisconsin

If you’re looking for cheaper car insurance in Wisconsin, take note of these tips from Jerry’s team of licensed insurance agents:

Shop around

and compare multiple car insurance quotes.

Bundle your car insurance with homeowners insurance or renters insurance.

Take advantage of your provider’s

car insurance discounts

—like low mileage discounts, responsible payer discounts, accident-free discounts, or safety feature discounts.

Raise your deductibles on your comprehensive and collision coverage.

Strengthen your credit history. A better credit score could lower your car insurance rates.

Consider dropping collision and comprehensive coverage if your vehicle is older or has a low value.

Take an approved defensive driving course.

Learn more:

11 Ways to lower car insurance

Why car insurance is so expensive in Wisconsin

Not all factors that affect Wisconsin car insurance costs are within your control. The following factors could also make your premium more expensive:

High population density cities

Area crime rates

Uninsured drivers

Healthcare costs

Rising vehicle and repair costs

Severe weather risks

FAQs

How much is car insurance in Wisconsin?

Car insurance costs in Wisconsin tend to fall below the national average, but they can vary significantly based on individual factors. Your location, demographics, driving record, vehicle type, and coverage level will all affect your premium.

Because different providers will weigh these factors differently when calculating rates, it’s in your best interest to find and compare multiple quotes before picking a new auto insurance policy.

What is the average cost of car insurance in Wisconsin?

Minimum liability insurance in Wisconsin has an average coverage rate of $[X] per month or $[X] per year. For a full coverage policy, the average cost is $[X] monthly or $[X] annually.

What are the cheapest car insurance companies in Wisconsin?

Data from Jerry’s survey of 15,000+ car insurance policyholders shows that no car insurance company offers the cheapest rates for every driver. To find the cheapest car insurance in Wisconsin for your situation, it pays to shop around and compare quotes.

Does Wisconsin require car insurance?

Yes. All Wisconsin drivers are required to carry car insurance with 25/50/10 liability coverage and 25/50 uninsured motorist bodily injury liability coverage.

What are the car insurance requirements in Wisconsin?

Wisconsin car insurance policies must include at least:

Bodily injury liability: $25,000 per person, $50,000 per accident

Property damage liability: $10,000 per accident

Uninsured motorist bodily injury liability: $25,000 per person, $50,000 per accident

Although not required by law, your car loan lender may require you to add full coverage to your policy.

Do you need insurance to register a car in Wisconsin?

While you don’t need proof of insurance to register your vehicle in Wisconsin, you’ll still need to carry it with you while you’re driving.

Can you get car insurance without a license in Wisconsin?

You may be able to get car insurance without a license in Wisconsin, but it will be difficult. You will not be named the primary driver on the insurance policy, so you’ll need someone to fill that position.

Do you have to carry proof of insurance in Wisconsin?

You’ll need to carry proof of insurance whenever you’re driving in Wisconsin. You’ll need to provide it if you’re in a

car accident

or get pulled over by law enforcement.

Does Wisconsin require uninsured motorist coverage?

The state of Wisconsin requires drivers to carry at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury liability coverage.

How long after buying a car do I need insurance in Wisconsin?

It is recommended that drivers get

car insurance before buying a car

. Wisconsin drivers typically have a grace period of 2 to 30 days after getting a new car before they must get car insurance. Contact your insurance provider for more information.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

R.E. Fulton

Expert Insurance Writer and Editor

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

15 Years Working in Insurance

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.

Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

Learn more about our

insurance review board

and our

editorial standards

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.