Best Car Insurance In Wisconsin

Key Points:

• The best car insurance companies for Wisconsin drivers to work with are Geico, State Farm, Country Financial, and Farmers.
• Geico is the best provider overall for most Wisconsin drivers and offers affordable rates, a wide selection of discounts, and usage-based insurance options.
• State Farm is the largest provider in the country and has a generous discount for young drivers.

Our review team has written about the best auto insurance companies in the nation, reviewing factors like cost, industry reputation, customer service, and more. In this review, we re-examine our top insurers for the state of Wisconsin, considering regional rates and customer satisfaction scores. 

Keep reading to learn everything you need to know about car insurance in the state. We’ll discuss state minimum requirements and the best insurers in Wisconsin, from whether you live in Milwaukee, Madison, or anywhere else in the beautiful Badger State.

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What Is The Best Car Insurance Company In Wisconsin?

After reviewing dozens of insurance companies and narrowing our focus to Wisconsin, we chose Geico, State Farm, Country Financial, and Farmers as the best insurance companies for the area. In formulating this list, we considered our independent rankings, average local car insurance rates, and local satisfaction scores. 

All of the recommended providers on our list except Farmers scored above the regional average in the J.D. Power 2023 U.S. Auto Insurance Satisfaction Study℠ for the north central region of the United States (which includes Illinois, Indiana, Michigan, Ohio, and Wisconsin).

Wisconsin Car Insurance Company Comparison

The chart below outlines our top providers of car insurance in Wisconsin:

*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Wisconsin.

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Best Car Insurance Companies In Wisconsin

Each of the providers below offers unique benefits for different Wisconsin drivers:

#1 Geico: Best Overall

Full Coverage Auto Insurance Cost: $1,303 per year, $109 per month
Minimum Liability Auto Insurance Cost: $471 per year, $39 per month
Wisconsin Customer Service Rating: 831/1,000 points
Claims Satisfaction Rating: 871/1,000 points

We rated Geico as the best overall provider for Wisconsin thanks to the company’s strong industry reputation, high number of discount opportunities, and low rates for full coverage and liability coverage. Geico also offers add-ons like roadside assistance, rental car reimbursement, and mechanical breakdown insurance. Additionally, Wisconsin drivers are eligible to participate in Geico’s usage-based insurance program, called DriveEasy, which tracks driving habits and rewards safe driving with discounts.

Learn more in our in-depth Geico insurance review.

#2 State Farm: Best For Young Drivers

Full Coverage Auto Insurance Cost: $1,614 per year, $135 per month
Minimum Liability Auto Insurance Cost: $509 per year, $42 per month
Wisconsin Customer Service Rating: 837/1,000
Claims Satisfaction Rating: 891/1,000

The largest provider in the United States, State Farm is also one of our top picks nationwide, and it’s an especially good choice for young drivers in Wisconsin. The provider offers savings of up to 25 percent for teen drivers and students who practice safe driving habits. It also offers a comprehensive suite of coverage options and has strong industry ratings. 

Learn more by reading our complete State Farm auto insurance review.

#3 Country Financial: Best Local Coverage

Full Coverage Auto Insurance Cost: $1,557 per year, $130 per month*  
Minimum Liability Auto Insurance Cost: $510 per year, $43 per month*
Wisconsin Customer Service Rating: 828/1,000 points
Claims Satisfaction Rating: 894/1,000 points

Country Financial offers reasonable auto insurance rates and customer service tailored for Wisconsin residents. The provider has insurance agents in 26 counties across the state, making it a great option for those who prefer in-person service. You can save money on a Country Financial policy by taking advantage of the company’s wide range of discount options, including occupational discounts for Wisconsin’s teachers, firefighters, police officers, and emergency medical professionals.

Read more about the provider in our Country Financial insurance review.

*These are national average rates, as state rates for this provider are unavailable. 

#4 Farmers: Best For Wisconsin Seniors

Full Coverage Auto Insurance Cost:  $2,424 per year, $202 per month
Minimum Liability Auto Insurance Cost: $916 per year, $76 per month
Wisconsin Customer Service Rating: 816/1,000 points
Claims Satisfaction Rating: 878/1,000 points

For some Wisconsin drivers, Farmers may offer cheap car insurance, especially if you’re eligible for any of the provider’s many discounts, such as those for bundling policies, good drivers or workers in select occupations. Farmers Insurance also offers a senior defensive driving discount for people age 55 or older who hold an auto insurance policy with the company. 

Learn more about this insurer by reading our full Farmers auto insurance review, in which we rate the company 4.3 out of 5.0 stars.

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Wisconsin Car Insurance Requirements

Each state sets its own car insurance laws and limits, so the minimum required coverage and penalties vary by state. If you’re getting car insurance in Wisconsin, you’ll need to ensure your minimum liability coverage includes at least the following state-required coverage limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $10,000 property damage liability

If you’re caught driving without car insurance in Wisconsin, you could face fines up to $500. Even driving without carrying your proof of insurance can cost you, though minimally. If you’re pulled over or are in an accident and fail to show proof of insurance, you could be fined up to $10. If you’re caught offering fraudulent proof of insurance, you could be fined up to $5,000.

What To Know About Driving In Wisconsin

According to the Wisconsin Department of Transportation (WisDOT), there were 578 car crash-related fatalities in 2023. From 2019 to 2023, the overall average amount of yearly traffic fatalities in Wisconsin was 490. 

Wisconsin is known for its heavy snowfall and harsh winter conditions, and these can make winter driving dangerous. For this reason, it’s not a bad idea to purchase more than the state-minimum liability insurance. Full-coverage policies include collision coverage, which protects your car in a crash regardless of who’s at fault, and comprehensive coverage, which protects your car against environmental damages, as well as theft and vandalism. 

However, icy roads aren’t the biggest culprit behind Wisconsin car accidents. While Wisconsin drivers should take extra caution during hazardous weather, most 2023 crash fatalities in Wisconsin occurred between May and September, with July having the highest amount. In 2022, WisDOT reported that speeding was a contributing factor in 14% of all crashes and 27% of all crash-related deaths.

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How To Save Money On Car Insurance In Wisconsin

Drivers with a good credit score and clean driving record usually qualify for the cheapest rates. However, even high-risk drivers or drivers with a mixed driving history can still save money on car insurance premiums:

Some companies, like Progressive, specialize in offering policies for high-risk drivers, such as those with recent speeding tickets, at-fault accidents, or DUIs. Always get car insurance quotes from multiple providers to ensure you find a policy that accommodates your unique driver profile.

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Best Car Insurance In Wisconsin: Our Take

There are several strong options for car insurance in Wisconsin. We recommend Wisconsin drivers look into a car insurance policy from Geico, State Farm, Country Financial, or Farmers. Individual rates are likely to vary, so the only way to find the lowest premium cost for you is to compare multiple quotes. Enter your zip code into the tool below to start getting free quotes.

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Best Car Insurance In Wisconsin: FAQ

Take a look below for answers to some of the most frequently asked questions from drivers looking for the best car insurance in Wisconsin:

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How We Rate Auto Insurers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• 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.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• 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.
• Pricing: 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.
• 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 a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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