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In 2017, there were 6 million vehicles registered in the state of Wisconsin. Not surprisingly, more than 10 percent of all vehicles in the state are in Milwaukee county, which is home to the state’s largest city.

Average car insurance rates in Wisconsin are lower than in many other states. The rates we found in our study are most similar to other Midwestern states like Ohio and Indiana, which is good for Wisconsinites. Much of the Midwest has some of the lowest auto insurance rates in the nation.

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Cheapest Car Insurance in Wisconsin

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Wisconsin

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Wisconsin?

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Wisconsin’s statewide average rate in our study was $1,242. Rates for individual drivers will depend on several factors, including driving record, the age of the driver, and where the driver lives. Insurance rates vary across Wisconsin, but we found the range in average study rates wasn’t as wide here as it is in some states.

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Wisconsin Car Insurance Rates by Age

To find out how much car insurance costs in Wisconsin are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and female drivers. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study showed that average car insurance rates for young drivers can vary widely across the top insurers. Average study rates for our 25-year-old male and female driver profiles in Wisconsin were around $1,537 and $1,377, respectively. Rates in our study for the 60-year-old male and female profiles were much lower, with both falling below $1,100.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,456.94

$1,352.97

$1,402.98

$1,335.45

$1,362.83

$1,241.07

American Family

$890.90

$836.68

$738.45

$706.35

$674.12

$668.87

Farmers

$1,449.24

$1,370.31

$1,171.51

$1,170.51

$1,063.30

$990.67

Geico

$679.11

$660.90

$745.88

$682.84

$717.05

$633.98

Nationwide

$4,407.91

$3,717.25

$3,213.37

$3,056.33

$2,665.02

$2,530.39

Progressive

$1,516.77

$1,383.84

$1,053.86

$1,118.62

$922.66

$877.98

State Farm

$1,040.39

$913.53

$824.14

$824.14

$743.31

$743.31

USAA

$858.23

$786.66

$630.57

$632.49

$587.77

$579.27

Wisconsin Car Insurance Rates by Driving Record

We analysed the effect a driving profile can have on car insurance rates in Wisconsin. We used male and female driver profiles aged 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Wisconsin insurers are relatively forgiving of drivers who make mistakes. A driver profile in our study with one speeding violation had higher average overall rates than a profile with a clean record by about $200, while we found a driver profile with one accident had average representative rates that were $400 higher than the clean record driving profile's rates. The driver profile with a DUI in our study had the highest rate hike, with the average rate being $425 higher than the average for a driver profile with a clean record.

Auto insurance rates generally rise after an accident, a speeding ticket, or a DUI conviction, and most insurers penalize some incidents more than others. The average car insurance rate in our study for a driver profile with a clean record at Farmers, for example, is around $1,200. With one accident added to that profile, the average study rate rose to about $1,690. With one DUI conviction added to an otherwise clean driver profile, Farmers’ average car insurance rate in our analysis only goes up to about $1,575. Geico, on the other hand, penalized the DUI conviction more heavily in our study. Its average car insurance rate for the driver profile with one accident was about $1,090, or about $400 more than its average for a driver profile with a clean record. The average Geico rate for a driver profile with one DUI is $1,271 – nearly $600 more than its average rate in our study for a driver with a clean record.

We found that American Family was a little different, however. They treated all three infractions the same way in Wisconsin. American Family’s average car insurance rate in our study for a driver profile with a clean record was $753. That study rate rose to an average of $794 whether we added one speeding ticket, one accident, or one DUI conviction to our driver profile.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,358.71

$1,620.28

$2,123.58

$1,667.37

American Family

$752.56

$793.70

$793.70

$793.70

Farmers

$1,202.59

$1,451.32

$1,686.75

$1,573.25

Geico

$686.63

$893.27

$1,092.02

$1,271.14

Nationwide

$3,265.05

$3,775.78

$3,775.78

$4,626.07

Progressive

$1,145.62

$1,422.69

$1,606.32

$1,269.03

State Farm

$848.14

$916.72

$985.33

$916.72

USAA

$679.17

$792.92

$918.77

$1,225.40

Wisconsin Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Credit history does make a difference in Wisconsin. A driver profile with good credit had an average study rate of about $1,240, while driver profiles with poor credit have an average representative rate of $2,030. A few insurers, like American Family, Geico, and Nationwide, had smaller spreads in their rates offered to the profiles with good and poor credit in our study. For example, Geico’s average rate for the driver profile with good credit was $687, while the average rate for the profile with poor credit was about $1,164, or about $475 more. On the opposite end of the price spectrum, State Farm's average study rate for the profile with good credit was $848, while the company charged a representative rate more than $1,000 higher for the profile with poor credit.

Company

Good

Fair

Poor

Allstate

$1,358.71

$1,551.89

$2,208.02

American Family

$752.56

$851.81

$1,317.66

Farmers

$1,202.59

$1,364.99

$2,038.97

Geico

$686.63

$843.77

$1,164.37

Nationwide

$3,265.05

$3,265.05

$3,911.96

Progressive

$1,145.62

$1,416.80

$2,037.56

State Farm

$848.14

$1,111.97

$1,932.51

USAA

$679.17

$843.61

$1,662.09

Wisconsin Auto Insurance Minimum Coverage Requirements

Wisconsin requires more insurance than many states do, and you must have proof of insurance. These are the minimum requirements for Wisconsin:

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

Wisconsin is an at-fault state, which means that the person who caused the accident must use their insurance to pay for repairs and medical bills. If that person doesn’t have insurance (in violation of state law), you can use your own uninsured motorist coverage to pay your bills.

Read our guide on how much car insurance you need to learn more.

Cheapest Car Insurance in Wisconsin

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

Geico

Married Male Adult Drivers

American Family

Married Female Adult Drivers

Geico

Senior Male Drivers

American Family

Senior Female Drivers

Geico

Drivers with Good Credit

Geico

Drivers with Poor Credit

Geico

Drivers with a Clean Record

Geico

Drivers with One Speeding Violation

American Family

Drivers with One Accident

American Family

Drivers with One DUI

American Family

Low-mileage Drivers

Geico

High-mileage Drivers

Geico

Drivers with Low Coverage

Geico

Drivers with High Coverage

Geico

Drivers with Used Cars

Geico

Drivers with New Cars

Geico

To find which car insurance company offers the lowest rates in Wisconsin, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study found that the lowest average car insurance rates in Wisconsin were from USAA, with an overall average of $679. Geico wasn’t far behind, with an average rate in our study of $687. According to our analysis, American Family and State Farm both had average rates that were also below $1,000 in Wisconsin, where the average rate statewide was $1,242 in our study.

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Why Car Insurance Rates Vary in Wisconsin

To find differences in car insurance rates in Wisconsin based on city of residence, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Many parts of Wisconsin are rural, and fewer cars means fewer accidents. That translates to lower rates. In our study, the driver profiles in the smaller cities of Oshkosh, Green Bay, and Appleton had the lowest average study rates in the state. We found the lowest rate in the state in Green Bay, with an average of $1,030. In contrast, we found that average auto insurance rates in the state’s largest city, Milwaukee, were about $1,613, according to our analysis.

City

Average Rate

Milwaukee

$1,613.41

Madison

$1,131.73

Green Bay

$1,030.17

Kenosha

$1,287.71

Appleton

$1,040.69

Waukesha

$1,104.36

Eau Claire

$1,160.59

Oshkosh

$1,061.28

Janesville

$1,125.51

La Crosse

$1,131.90

We should note that in Wisconsin, rates take into account everyone in the household, including spouses. So even if your record is spotless, if your husband or wife has speeding tickets or a DUI, that’s going to be included in the calculation for your insurance rate.

How to Get the Cheapest Car Insurance in Wisconsin

One of the most common car insurance discounts in Wisconsin is bundling. Bundling discounts apply to customers who buy multiple insurance policies – auto paired with homeowners or renters, for example – through the same company. You can also get a discount for insuring multiple vehicles with the same company. How you pay counts as well. Many insurers offer discounts to those who pay their premium upfront each year or sign up for automatic electronic payments.

You can often find discounts for being a good student, and many large employers and organizations offer discounts on car insurance too.

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Of course, being an accident-free driver will help lower your rates. For most insurers, this means not filing a claim for a period of several months, with each period you remain accident-free further reducing your rate. You can also opt to use an app or other device to track your driving habits and report them to the insurance company. Driving during daylight hours and under 80 miles per hour, plus braking smoothly, all contribute to fewer accidents, fewer claims, and lower rates.

You can also choose a higher deductible, which is the money you pay out of pocket when you file a claim. If you assume more of the financial risk, the insurance company will lower your premiums.

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Important Laws Around Auto Insurance in Wisconsin

Wisconsin does allow drivers to use a digital insurance card on their smart devices instead of a plastic or paper card.

It’s also an at-fault state, which means that the driver who caused the accident is the one whose insurance must pay for repairs and medical bills. If the driver who is at fault doesn’t have insurance, the Wisconsin-required uninsured motorist coverage will cover the costs related to the accident.

Like many states, Wisconsin requires SR22 non-owner insurance when your driver’s license is suspended. This usually occurs after something like a DUI conviction or being involved in an accident without proof of insurance.

Wisconsin Driving Laws and Punishments

In Wisconsin, texting while driving is a primary offense. That means if a police officer sees you texting while driving, they can pull you over and cite you. They don't need another reason, such as speeding or running a traffic light.

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Driving under the influence is called OWI – operating while intoxicated – in Wisconsin. Like in many states, .08 percent blood alcohol content is enough for an OWI conviction. In addition, if you’ve had three OWI convictions already and are pulled over with a blood alcohol content of .02 percent or more, that’s enough for yet another conviction. Wisconsin has a zero-tolerance policy for underage drivers who drink and drive. Drivers under the age of 21 must maintain “absolute sobriety” – no alcohol at all while driving.

For a first OWI offense, your driver’s license will be revoked. Any subsequent offenses can lead to jail time and seizure of vehicles.

Wisconsin Car Insurance FAQs

Is car insurance required in Wisconsin?

Yes, Wisconsin requires motorists to carry liability and uninsured motorist coverage.

Which cars are required to be insured in Wisconsin?

Any car that can be driven in Wisconsin must be insured. You can choose to suspend insurance coverage for cars in long-term storage.

When should I get car insurance in Wisconsin?

You should buy car insurance in Wisconsin as soon as you buy a car or move to the state and change your residency.

What happens if my car is not properly insured in Wisconsin?

If you cause an accident in Wisconsin and are not insured, your license can be suspended and your vehicle registrations revoked. You will also be on the hook for monetary damages associated with the accident, which can mean losing assets or having your wages garnished if you don’t have enough money to pay.

Is Wisconsin a no-fault state?

No, Wisconsin is an at-fault state.

Do I need uninsured motorist coverage in Wisconsin?

Yes, uninsured motorist coverage is required by law in Wisconsin.

Is liability insurance required in Wisconsin?

Yes, liability insurance is required in Wisconsin.

Does Wisconsin accept digital insurance cards?

Yes, Wisconsin does accept digital insurance cards.

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