Cheapest Car Insurance Quotes in Wisconsin (2024)
Erie has the cheapest car insurance quotes in Wisconsin, at $83 per month for full coverage and $24 per month for liability only.
Find Cheap Auto Insurance Quotes in Wisconsin
Best cheap car insurance in Wisconsin
How we chose the top companies
Best and cheapest car insurance in Wisconsin
- Cheapest full coverage: Erie, $83/mo
- Cheapest minimum liability: Erie, $24/mo
- Cheapest for young drivers: Erie, $53/mo
- Cheapest after a ticket: Erie, $91/mo
- Cheapest after an accident: Erie, $111/mo
- Cheapest for teens after a ticket: Erie, $61/mo
- Cheapest after a DUI: Erie, $130/mo
- Cheapest for poor credit: State Farm, $118/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best combination of affordable rates and great customer service in Wisconsin.
Wisconsin drivers should also compare quotes from State Farm. It has good customer service reviews and is typically cheaper than average.
Cheapest Wisconsin auto insurance: Erie
Erie has the most affordable full coverage quotes in Wisconsin.
At $83 per month, full coverage from Erie costs $45 per month less than the statewide average. It's also $22 per month less than the second-cheapest option, American Family.
However, American Family has a much better mobile app than Erie. It may be worth considering American Family if you prefer to manage your policy online, as opposed to calling an agent.
Find Cheap Auto Insurance Quotes in Wisconsin
The average cost of car insurance in Wisconsin is $128 per month for full coverage. That makes it the 10th cheapest state for full coverage car insurance.
Cheapest Wisconsin insurance companies for full coverage
Company | Monthly rate | |
|---|---|---|
| Erie | $83 |
| American Family | $105 |
| Acuity | $113 |
| State Farm | $114 |
| Geico | $148 |
*USAA is only available to current and former military members and their families.
Cheapest liability car insurance in Wisconsin: Erie
Erie has the cheapest rates for a minimum-liability policy in Wisconsin at $24 per month.
That's $18 per month cheaper than the Wisconsin state average of $42 per month. American Family also offers cheap minimum coverage quotes at $28 per month.
Best cheap minimum coverage auto insurance in WI
Company | Monthly rate |
|---|---|
| Erie | $24 |
| American Family | $28 |
| State Farm | $34 |
| Progressive | $36 |
| Acuity | $40 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Wisconsin
Cheapest auto insurance in Wisconsin for teens: Erie
Erie has the most affordable car insurance for young drivers in Wisconsin.
Car insurance from Erie is less than half as expensive as the state average for 18-year-old drivers. Erie's minimum coverage policy costs an average of just $53 per month, while full coverage costs $190 per month.
Best Wisconsin insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $53 | $190 |
| American Family | $78 | $243 |
| State Farm | $114 | $324 |
| Geico | $125 | $384 |
| Progressive | $222 | $736 |
Auto insurance for 18-year-old drivers in Wisconsin costs over three times more than coverage for 30-year-old drivers. That's because young drivers are more likely to get into an accident than experienced drivers.
These high prices may make some young drivers consider getting a minimum coverage policy. Minimum coverage could help you save money on insurance if you don't have an expensive car and don't have a loan or lease. However, you'll have to pay for repairs to your own car if you cause an accident.
The easiest way for young drivers in Wisconsin to find cheap car insurance rates is by sharing a policy with their parents. A shared policy can save around 62% compared to two separate insurance plans.
Cheap car insurance in WI after a ticket: Erie
Erie is the best insurance company in Wisconsin for drivers with a speeding ticket. A full coverage policy from Erie costs $91 per month after one speeding ticket. That's 42% cheaper than the Wisconsin average, and $32 per month less than the second-best option, State Farm.
Affordable car insurance with a ticket in WI
Company | Monthly rate |
|---|---|
| Erie | $91 |
| State Farm | $123 |
| American Family | $126 |
| Acuity | $158 |
| Geico | $190 |
Wisconsin drivers can expect their car insurance rates to go up by around 22% after one speeding ticket. That's an average increase of $29 per month for full coverage.
Cheapest quotes in WI after an accident: Erie
Erie has the best cheap full coverage insurance in Wisconsin after an accident at $111 per month. That's close to half as much as the state average, which is $204 per month.
Best prices for Wisconsin car insurance after a crash
Company | Monthly rate |
|---|---|
| Erie | $111 |
| State Farm | $131 |
| American Family | $177 |
| Acuity | $200 |
| Progressive | $251 |
On average, car insurance rates in Wisconsin increase by 59% after an at-fault accident. However, not all companies raise rates by the same amount. State Farm only raises rates by 15% after a crash, while Geico customers can expect an increase of 82%.
It's a good idea to compare rates after a change in your driving history. But don't rush to buy a new policy right after an accident.
Your insurance company typically won't raise your rates until your policy renewal, so you should wait until your current policy is about to expire before making a change.
Cheapest quotes for teens after a ticket or accident: Erie
Erie has the best rates for young drivers with a speeding ticket or at-fault accident in Wisconsin.
Minimum coverage from Erie costs $61 per month for an 18-year-old with one speeding ticket. That's a third of the state average’s cost, $180 per month.
Teens with an accident on their record pay $66 per month for minimum coverage from Erie, which is less than half as expensive as the Wisconsin average ($204).
Cheap auto insurance in WI for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $61 | $66 |
| American Family | $108 | $144 |
| State Farm | $126 | $139 |
| Geico | $146 | $197 |
| Progressive | $236 | $253 |
Young drivers in Wisconsin can expect their rates to go up by around 12% after one speeding ticket and 27% after an at-fault accident.
Best cheap auto insurance in Wisconsin after a DUI: Erie
Erie has the most affordable car insurance for drivers with a DUI in Wisconsin. Full coverage from Erie costs $130 per month after a DUI, which is $73 per month cheaper than the statewide average ($203).
Low-priced car insurance in WI with a DUI
Company | Monthly rate |
|---|---|
| Erie | $130 |
| Progressive | $175 |
| American Family | $192 |
| State Farm | $204 |
| Allstate | $228 |
The average cost of car insurance in Wisconsin goes up by 59% after a DUI. That's an average increase of $75 per month for drivers with full coverage insurance.
In addition, you may have to get SR-22 insurance in Wisconsin after a DUI. An SR-22 filing typically costs between $15 and $50.
Best WI auto insurance for drivers with poor credit: State Farm
State Farm offers the most affordable rates in Wisconsin for drivers with poor credit scores, at $118 per month for full coverage. That's 42% cheaper than the state average ($203), and $52 per month less than the second-cheapest company, American Family.
Cheapest car insurance for bad credit
Company | Monthly rate |
|---|---|
| State Farm | $118 |
| Acuity | $170 |
| American Family | $188 |
| Erie | $190 |
| Geico | $226 |
Your credit score doesn't have anything to do with your driving habits, but it can affect your car insurance rates. Car insurance companies have found that drivers with bad credit are more likely to file a claim in the future — that makes them more expensive to insure.
Best car insurance in Wisconsin
Erie has the best auto insurance in Wisconsin, based on its great customer service and low prices.
Drivers are typically happy with their experiences working with Erie. It earned an excellent score on J.D. Power's customer satisfaction survey. Plus, ValuePenguin's editors also gave Erie a high score based on its good customer reviews, helpful coverage and affordable rates.
Best WI car insurance
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Erie | 871 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Acuity | NR | NR | |
| American Family | 838 | A |
It's important for Wisconsin drivers to consider customer service along with price when shopping for car insurance.
A company with great customer service will make your life much easier after an accident. You may have a faster claims process, or have to pay less money for repairs. On the other hand, bad service can make the claims process frustrating and stressful, especially if you have to fight for a fair payout.
Average car insurance cost in Wisconsin by city
Brown Deer, an outer Milwaukee suburb, has the most expensive car insurance in Wisconsin, at $186 per month for full coverage.
Kimberly, a small village outside of Appleton, has the cheapest rates — $104 per month.
Average Wisconsin car insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Abbotsford | $129 | 1% |
| Abrams | $123 | -4% |
| Adams | $135 | 5% |
| Adell | $119 | -7% |
| Afton | $118 | -8% |
In Wisconsin, car insurance quotes can vary by as much as $82 per month, depending on where you live. Auto insurance in densely populated urban areas usually costs more than in rural areas, as accidents and car theft are more common in large cities.
Minimum car insurance requirements in Wisconsin
All insurance policies in Wisconsin must have a minimum amount of liability and uninsured motorist coverage.
Liability coverage pays for the other driver's injuries and damage if you cause an accident. This requirement is sometimes written as 25/50/10. Uninsured motorist covers your medical bills if you're hit by a driver who doesn't have insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
What's the best car insurance coverage for Wisconsin?
Your lender will typically require you to have full coverage if you have a car loan or lease. You should also consider full coverage if your car is newer than 8 years old, or worth more than $5,000.
Minimum coverage car insurance is the cheapest coverage option available in Wisconsin. However, minimum coverage only pays for the other driver's injuries or property damage — it doesn't cover damage to your car.
In addition, the minimum liability limits in Wisconsin may not be high enough to cover the cost of a major crash. For example, Wisconsin only requires $10,000 of property damage insurance. If you hit an expensive or brand new car, that may not be enough to repair or replace it.
That's why most Wisconsin drivers should consider full coverage insurance instead of minimum coverage.
Frequently asked questions
What is the cheapest car insurance in Wisconsin?
Erie is the most affordable company for car insurance in Wisconsin. Minimum coverage from Erie costs $42 per month, while full coverage costs $83 per month.
How much is car insurance in Wisconsin per month?
The average price for full coverage car insurance in Wisconsin is $128 per month, or $1,540 per year. Minimum coverage costs $42 per month, or $503 per year.
How much insurance do I need in Wisconsin?
The minimum requirement for car insurance in Wisconsin includes $25,000 of bodily injury liability coverage per person and $50,000 per accident and matching uninsured motorist coverage. You’ll also need $10,000 of property damage coverage.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Wisconsin for the largest insurance companies in the state. Rates are for a 30-year-old man who drives a 2015 Honda Civic EX and has good credit.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.