Cheapest Car Insurance In Wisconsin (2024)
The cheapest car insurance in Wisconsin comes from Erie at $21 per month on average.
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Wisconsin drivers should compare different car insurance options to find the cheapest coverage because car insurance costs are increasing. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will show you how to save money on car insurance and tell you where you can find the most affordable coverage in Wisconsin, based on your driving profile.
Key Points
- Erie is the cheapest car insurance company in Wisconsin overall, with an average rate of $21 per month for minimum coverage and $124 per month for full coverage.
- GEICO and Progressive also offer affordable car insurance rates for many driver profiles.
- If you are under 25 or have previous traffic violations, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Car insurance companies each have their own way of evaluating driver profiles, meaning the provider who offers the lowest rates for one driver may not be the most affordable for you. To illustrate this, here is an overview of the least expensive auto insurance companies in Wisconsin and their rates for various driver profiles.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Erie | $21 | $252 |
| Full coverage | Secura | $112 | $1,350 |
| 16-year-olds | Erie | $59 | $713 |
| 45-year-olds | Erie | $18 | $215 |
| High-risk drivers | Erie | $30 | $355 |
| After a speeding ticket | Erie | $23 | $277 |
| After an accident | Erie | $30 | $354 |
| After a DUI | Progressive | $34 | $409 |
| Poor credit drivers | GEICO | $24 | $288 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Wisconsin?
In general, we discovered that Erie provides the most affordable car insurance in Wisconsin for various types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Wisconsin.
These rates apply to drivers in Wisconsin who vary in age, location, and driving experience. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Wisconsin: Erie
Drivers looking for the most affordable coverage that just meets Wisconsin state minimum requirements may find it at Erie for about $21 per month or $252 per year on average.
| Cheapest Car Insurance in Washington | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $28 | $334 |
| PEMCO | $30 | $365 |
| GEICO | $36 | $428 |
| State Farm | $42 | $508 |
| Travelers | $42 | $510 |
| Farmers | $55 | $661 |
| Mutual of Enumclaw | $68 | $814 |
| American Family | $70 | $840 |
| Progressive | $70 | $843 |
| Allstate | $75 | $894 |
Cheapest Full Coverage In Wisconsin: Secura
Secura is the best choice if you want comprehensive coverage at an affordable price. The provider offers full-coverage insurance for an average of $112 per month.
Full-coverage insurance policies in Wisconsin generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Wisconsin | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Secura | $112 | $1,350 |
| West Bend Mutual | $114 | $1,370 |
| GEICO | $118 | $1,414 |
| Erie | $124 | $1,489 |
| Auto-Owners | $179 | $2,144 |
| Acuity | $194 | $2,332 |
| Farmers | $213 | $2,551 |
| State Farm | $215 | $2,576 |
| Progressive | $219 | $2,623 |
| Allstate | $232 | $2,782 |
Cheapest Car Insurance In Wisconsin: Age
Below, you’ll find average insurance costs for Wisconsin drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Drivers aged 30 to 55 often receive lower auto insurance rates due to their road experience. Additionally, they have a lower probability of being involved in car accidents compared to younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $220 | $782 |
| 25 | $42 | $186 |
| 35 | $36 | $158 |
| 45 | $36 | $150 |
| 55 | $34 | $138 |
Cheapest Wisconsin Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mainly because these drivers don’t have as much experience driving and are more likely to break the rules of the road and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Wisconsin Car Insurance For 16-Year-Olds: Erie
If you’re a teen driver or the parent of one, Erie may be your best bet for finding the most affordable car insurance in Wisconsin.
The company’s cheapest average rates for 16-year-old drivers are $59 per month or $713 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $325 per month or $3,897 per year from Secura.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $59 | $377 |
| GEICO | $98 | $490 |
| Secura | $102 | $325 |
| Auto-Owners | $127 | $423 |
| West Bend Mutual | $130 | $412 |
| State Farm | $166 | $680 |
| Progressive | $234 | $1,383 |
| Acuity | $245 | $1,196 |
| Farmers | $398 | $1,078 |
| Allstate | $644 | $1,457 |
Cheapest Wisconsin Car Insurance For 25-Year-Olds: Erie
Car insurance rates for young drivers in their 20s decrease a lot compared to what teen drivers pay. However, the rates for this age group can still be high depending on which company you choose.
Erie provides the cheapest car insurance costs on average at $23 per month or $279 per year for minimum coverage. Secura costs $119 per month or $1,429 per year for full coverage.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $23 | $138 |
| GEICO | $23 | $126 |
| Progressive | $33 | $231 |
| West Bend Mutual | $34 | $120 |
| Secura | $35 | $119 |
| Auto-Owners | $38 | $203 |
| Acuity | $43 | $209 |
| State Farm | $45 | $239 |
| Farmers | $66 | $225 |
| Allstate | $82 | $252 |
Cheapest Wisconsin Car Insurance: Adult Drivers
People who are in their forties usually have the cheapest auto insurance rates. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Wisconsin Car Insurance For 35-Year-Olds: Erie
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Erie. The company offers average minimum-coverage costs of $19 per month or $226 per year. For full coverage, Secura’s rates average $106 monthly or $1,271 annually.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $19 | $110 |
| GEICO | $25 | $110 |
| Progressive | $28 | $206 |
| West Bend Mutual | $29 | $108 |
| Auto-Owners | $30 | $155 |
| Secura | $31 | $106 |
| State Farm | $37 | $190 |
| Acuity | $37 | $180 |
| Farmers | $57 | $200 |
| Allstate | $72 | $211 |
Cheapest Wisconsin Car Insurance For 45-Year-Olds: Erie
Forty-five-year-old drivers may find the most affordable minimum coverage from Erie, with average rates of $18 per month or $215 per year. The cheapest full coverage comes from West Bend Mutual at $102 per month or $1,223 per year.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $18 | $104 |
| Progressive | $26 | $181 |
| GEICO | $26 | $115 |
| West Bend Mutual | $27 | $102 |
| Auto-Owners | $29 | $150 |
| Secura | $30 | $102 |
| Acuity | $36 | $177 |
| State Farm | $37 | $185 |
| Farmers | $55 | $184 |
| Allstate | $71 | $204 |
Cheapest Wisconsin Car Insurance For 55-Year-Olds: Erie
Erie usually offers the most affordable car insurance rates for drivers in their 50s in Wisconsin. The insurer’s average premiums are $17 monthly or $207 annually for minimum coverage. The cheapest full coverage option is from West Bend Mutual, costing $102 monthly or $1,223 annually
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $17 | $100 |
| GEICO | $22 | $100 |
| Progressive | $24 | $150 |
| West Bend Mutual | $26 | $94 |
| Auto-Owners | $28 | $138 |
| Secura | $29 | $97 |
| Acuity | $36 | $172 |
| State Farm | $36 | $173 |
| Farmers | $51 | $169 |
| Allstate | $69 | $190 |
Cheapest Car Insurance In Wisconsin: High-Risk Drivers
Besides the kind of coverage you choose and how old you are, how safely you drive has a significant impact on your car insurance costs. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding tickets, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay car insurance rates that are higher than the average. This is because they have multiple violations on their driving records. On average, Wisconsin motorists who are deemed high-risk may find the most affordable rates from Erie for minimum coverage or Erie for full coverage.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $30 | $162 |
| GEICO | $41 | $204 |
| Progressive | $42 | $280 |
| State Farm | $47 | $235 |
| West Bend Mutual | $47 | $172 |
| Auto-Owners | $51 | $229 |
| Secura | $55 | $180 |
| Acuity | $73 | $336 |
| Farmers | $82 | $280 |
| Allstate | $100 | $304 |
Cheapest Wisconsin Car Insurance For Drivers With A Speeding Ticket: Erie
Drivers with a speeding citation on their record can generally find the most affordable coverage from Erie, with average rates of $23 per month or $277 per year for minimum coverage and $137 per month or $1,650 per year for full coverage.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $23 | $137 |
| GEICO | $31 | $167 |
| Secura | $37 | $126 |
| Auto-Owners | $39 | $193 |
| West Bend Mutual | $39 | $142 |
| Progressive | $39 | $266 |
| State Farm | $45 | $230 |
| Acuity | $58 | $271 |
| Farmers | $77 | $271 |
| Allstate | $86 | $262 |
Cheapest Wisconsin Car Insurance For Drivers With An At-Fault Accident: Erie
If you cause a car accident in Wisconsin, it can also make your car insurance rates go up. Erie tends to offer the most affordable rates on average at about $30 per month or $354 per year for minimum coverage and $162 per month or $162 per year for full coverage.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $30 | $162 |
| West Bend Mutual | $41 | $158 |
| Auto-Owners | $42 | $201 |
| GEICO | $45 | $219 |
| State Farm | $49 | $245 |
| Secura | $54 | $175 |
| Progressive | $54 | $345 |
| Acuity | $74 | $342 |
| Farmers | $87 | $290 |
| Allstate | $120 | $364 |
Cheapest Wisconsin Car Insurance For Drivers With A DUI: Progressive
If you’re a motorist with a drunk driving conviction, you may find the cheapest minimum car insurance in Wisconsin from Progressive for $34 per month or $409 per year on average. They also have rates of $230 monthly or $2,761 annually for full coverage.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Progressive | $34 | $230 |
| Erie | $36 | $187 |
| State Farm | $45 | $230 |
| GEICO | $48 | $226 |
| West Bend Mutual | $60 | $217 |
| Auto-Owners | $73 | $294 |
| Secura | $75 | $238 |
| Farmers | $83 | $279 |
| Acuity | $87 | $395 |
| Allstate | $95 | $287 |
Cheapest Wisconsin Car Insurance For Drivers With Poor Credit: GEICO
People who have low credit scores have to pay more money for their car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $32 per month or $389 per year and an average full-coverage rate of $183 per month or $2,201 per year.
| Cheapest Car Insurance in Wisconsin | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $32 | $183 |
| State Farm | $44 | $219 |
| Erie | $46 | $287 |
| Secura | $47 | $165 |
| Progressive | $48 | $370 |
| West Bend Mutual | $56 | $204 |
| Acuity | $58 | $293 |
| Farmers | $93 | $319 |
| Allstate | $111 | $362 |
| Auto-Owners | $112 | $683 |
Average Cost Of Car Insurance In 10 Wisconsin Cities
The location within Wisconsin also plays a role in determining your car insurance costs. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger numbers of people
- There are a greater number of cars on the streets.
- More car accidents happening at a greater frequency.
- More instances of breaking traffic rules
- More incidents of car theft and auto vandalism
- Extreme weather conditions
Certain factors that increase the chances of risk tend to have a bigger impact on people who own cars in larger cities. As a result, individuals who drive in busy cities end up paying the highest average cost for minimum car insurance coverage. On the other hand, those who reside in rural areas with lower crime rates and smaller populations are more likely to enjoy lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Milwaukee | $60.12 | $196.60 |
| Madison | $40.83 | $141.08 |
| Waukesha | $42.91 | $134.70 |
| Sheboygan | $36.62 | $127.43 |
| Appleton | $38.48 | $124.23 |
| Beloit | $38.59 | $134.33 |
| Fond du Lac | $36.86 | $130.08 |
| La Crosse | $35.79 | $142.35 |
| Menomonee Falls | $44.45 | $137.89 |
| Manitowoc | $36.08 | $131.52 |
Top 5 Car Insurance Companies In Wisconsin
Apart from the cost factor, we have examined over 40 insurance companies in terms of their coverage, service, and reliability. Our aim was to identify the top five insurers for residents of Wisconsin. Based on our research, we found Erie to be the best provider for most drivers in Wisconsin. Here are the ratings we gave for our top picks.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 Erie | 4.5 | 4.3 | 5 | 4.5 | 4.5 |
| #3 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #4 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Wisconsin
In Wisconsin, you have a few options to reduce how much you pay for car insurance. These include:
- Opting for minimum coverage: If you get the least coverage required by your state, you will have the most affordable car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several companies can give you an idea of which provider may give you the best offer.
Many insurance companies also provide usage-based insurance programs, which are a great way to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you could receive a significant discount, but certain programs might increase your rates if you engage in risky driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Wisconsin Require For Car Insurance?
Drivers in Wisconsin must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $10,000 property damage liability per accident
- $50,000 underinsured/uninsured motorist bodily injury coverage per accident
- $25,000 underinsured/uninsured motorist bodily injury coverage per person
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Wisconsin
When it comes to both minimum and full coverage, Erie is the best and most affordable car insurance company for most drivers in Wisconsin. While the above costs can give you an idea of what you’d pay for car insurance in Wisconsin, requesting a customized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and free online tools to get a quote. Alternatively, you can contact an insurance agent or representative at the company. Once you have gathered quotes from at least three providers, compare them to find the best option for you.
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Best Cheap Car Insurance In Wisconsin: FAQ
Here are some frequently asked questions about car insurance in Wisconsin:
How much is car insurance per month in Wisconsin?
Is Wisconsin car insurance cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.