Cheapest Car Insurance In Wisconsin (2024) (original) (raw)

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04/17/2024 12:00 AM

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.

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∣21	21∣252
Full coverage	Secura	112∣112	112∣1,350
16-year-olds	Erie	59∣59	59∣713
45-year-olds	Erie	18∣18	18∣215
High-risk drivers	Erie	30∣30	30∣355
After a speeding ticket	Erie	23∣23	23∣277
After an accident	Erie	30∣30	30∣354
After a DUI	Progressive	34∣34	34∣409
Poor credit drivers	GEICO	24∣24	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∣28	28∣334
PEMCO	30∣30	30∣365
GEICO	36∣36	36∣428
State Farm	42∣42	42∣508
Travelers	42∣42	42∣510
Farmers	55∣55	55∣661
Mutual of Enumclaw	68∣68	68∣814
American Family	70∣70	70∣840
Progressive	70∣70	70∣843
Allstate	75∣75	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∣112	112∣1,350
West Bend Mutual	114∣114	114∣1,370
GEICO	118∣118	118∣1,414
Erie	124∣124	124∣1,489
Auto-Owners	179∣179	179∣2,144
Acuity	194∣194	194∣2,332
Farmers	213∣213	213∣2,551
State Farm	215∣215	215∣2,576
Progressive	219∣219	219∣2,623
Allstate	232∣232	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∣220	220∣782
25	42∣42	42∣186
35	36∣36	36∣158
45	36∣36	36∣150
55	34∣34	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∣59	59∣377
GEICO	98∣98	98∣490
Secura	102∣102	102∣325
Auto-Owners	127∣127	127∣423
West Bend Mutual	130∣130	130∣412
State Farm	166∣166	166∣680
Progressive	234∣234	234∣1,383
Acuity	245∣245	245∣1,196
Farmers	398∣398	398∣1,078
Allstate	644∣644	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∣23	23∣138
GEICO	23∣23	23∣126
Progressive	33∣33	33∣231
West Bend Mutual	34∣34	34∣120
Secura	35∣35	35∣119
Auto-Owners	38∣38	38∣203
Acuity	43∣43	43∣209
State Farm	45∣45	45∣239
Farmers	66∣66	66∣225
Allstate	82∣82	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∣19	19∣110
GEICO	25∣25	25∣110
Progressive	28∣28	28∣206
West Bend Mutual	29∣29	29∣108
Auto-Owners	30∣30	30∣155
Secura	31∣31	31∣106
State Farm	37∣37	37∣190
Acuity	37∣37	37∣180
Farmers	57∣57	57∣200
Allstate	72∣72	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∣18	18∣104
Progressive	26∣26	26∣181
GEICO	26∣26	26∣115
West Bend Mutual	27∣27	27∣102
Auto-Owners	29∣29	29∣150
Secura	30∣30	30∣102
Acuity	36∣36	36∣177
State Farm	37∣37	37∣185
Farmers	55∣55	55∣184
Allstate	71∣71	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∣17	17∣100
GEICO	22∣22	22∣100
Progressive	24∣24	24∣150
West Bend Mutual	26∣26	26∣94
Auto-Owners	28∣28	28∣138
Secura	29∣29	29∣97
Acuity	36∣36	36∣172
State Farm	36∣36	36∣173
Farmers	51∣51	51∣169
Allstate	69∣69	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∣30	30∣162
GEICO	41∣41	41∣204
Progressive	42∣42	42∣280
State Farm	47∣47	47∣235
West Bend Mutual	47∣47	47∣172
Auto-Owners	51∣51	51∣229
Secura	55∣55	55∣180
Acuity	73∣73	73∣336
Farmers	82∣82	82∣280
Allstate	100∣100	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∣23	23∣137
GEICO	31∣31	31∣167
Secura	37∣37	37∣126
Auto-Owners	39∣39	39∣193
West Bend Mutual	39∣39	39∣142
Progressive	39∣39	39∣266
State Farm	45∣45	45∣230
Acuity	58∣58	58∣271
Farmers	77∣77	77∣271
Allstate	86∣86	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∣30	30∣162
West Bend Mutual	41∣41	41∣158
Auto-Owners	42∣42	42∣201
GEICO	45∣45	45∣219
State Farm	49∣49	49∣245
Secura	54∣54	54∣175
Progressive	54∣54	54∣345
Acuity	74∣74	74∣342
Farmers	87∣87	87∣290
Allstate	120∣120	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∣34	34∣230
Erie	36∣36	36∣187
State Farm	45∣45	45∣230
GEICO	48∣48	48∣226
West Bend Mutual	60∣60	60∣217
Auto-Owners	73∣73	73∣294
Secura	75∣75	75∣238
Farmers	83∣83	83∣279
Acuity	87∣87	87∣395
Allstate	95∣95	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∣32	32∣183
State Farm	44∣44	44∣219
Erie	46∣46	46∣287
Secura	47∣47	47∣165
Progressive	48∣48	48∣370
West Bend Mutual	56∣56	56∣204
Acuity	58∣58	58∣293
Farmers	93∣93	93∣319
Allstate	111∣111	111∣362
Auto-Owners	112∣112	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∣60.12	60.12∣196.60
Madison	40.83∣40.83	40.83∣141.08
Waukesha	42.91∣42.91	42.91∣134.70
Sheboygan	36.62∣36.62	36.62∣127.43
Appleton	38.48∣38.48	38.48∣124.23
Beloit	38.59∣38.59	38.59∣134.33
Fond du Lac	36.86∣36.86	36.86∣130.08
La Crosse	35.79∣35.79	35.79∣142.35
Menomonee Falls	44.45∣44.45	44.45∣137.89
Manitowoc	36.08∣36.08	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.

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?

The average cost of minimum-coverage car insurance in Wisconsin is $39 per month or $472 per year. For full coverage, the average is $172 per month or $2,063 per year.

Is Wisconsin car insurance cheaper?

Wisconsin auto insurance is typically cheaper than the national average. Nationwide, the average cost of minimum-coverage insurance is 670peryear,whiletheaverageinWisconsinis∗∗670 per year, while the average in Wisconsin is 670peryear,whiletheaverageinWisconsinis∗∗472 per year. For full coverage, residents of Wisconsin pay about $2,063 per year on average, which is less than the national average of $2,216 per year.

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.