Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

In 2017, there were 6 million vehicles registered in the state of Wisconsin. Not surprisingly, more than 10% 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. 

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 the largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

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 rankings 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 nine 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. 

Sean Pavone / Getty Images

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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. 

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

How Much Does Car Insurance Cost in Wisconsin?

See the Cheapest Car Insurance Companies

Wisconsin’s statewide average rate in our study was $1,010. 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. The lowest rates were about $800 lower than the highest study rates in Wisconsin.

Wisconsin Car Insurance Rates by Age

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

$1,377

$1,482

$1,360

$1,429

$1,264

$1,390

American Family

$1,148

$1,214

$945

$986

$855

$863

Farmers

$1,587

$1,680

$1,354

$1,358

$1,145

$1,229

Geico

$1,067

$1,111

$730

$795

$679

$760

Nationwide

$1,053

$1,163

$871

$907

$751

$822

Progressive

$1,283

$1,394

$1,040

$984

$849

$894

State Farm

$948

$1,078

$855

$855

$770

$770

USAA

$656

$713

$530

$528

$488

$493

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 $1,229 and $1,140, respectively. Study rates for 35-year-old male and female driver profiles were below $1,000, at $980 and $961. Rates in our study for the 60-year-old male and female profiles were still lower. The average rate for a male driver profile in this age group was about $900, and the average female driver profile was the lowest in the state, at $850.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Wisconsin Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,384

$1,571

$2,195

American Family

$1,002

$1,156

$1,695

Farmers

$1,392

$1,545

$2,221

Geico

$857

$986

$1,308

Nationwide

$928

$1,074

$1,294

Progressive

$1,074

$1,352

$1,839

State Farm

$880

$1,157

$2,000

USAA

$568

$653

$1,033

Credit history does make a difference in Wisconsin. A driver profile with good credit had an average study rate of about $1,010, while driver profiles with poor credit have an average representative rate of about $1,700. A few insurers, like Geico, USAA, 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 $857, while the average rate for the profile with poor credit was about $1,300, or about $450 more. On the opposite end of the price spectrum, State Farm's average study rate for the profile with good credit was $880, while the company charged a representative rate more than $1,100 higher for the profile with poor credit.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Wisconsin Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,384

$1,647

$2,162

$1,696

American Family

$1,002

$1,053

$1,053

$1,053

Farmers

$1,392

$1,820

$2,022

$1,954

Geico

$857

$1,002

$1,218

$1,482

Nationwide

$928

$1,097

$1,539

$2,373

Progressive

$1,074

$1,475

$1,980

$1,254

State Farm

$880

$950

$1,020

$950

USAA

$568

$661

$767

$1,018

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 $460 higher than the clean record driving profile's rates. The driver profile with a DUI in our study had the highest rate hike, but not by much. Those average study rates were $462 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 Wisconsin driver profile with a clean record at Farmers, for example, is around $1,400. With one accident added to that profile, the average study rate rose to more than $2,000. With one DUI conviction added to an otherwise clean driver profile, Farmers’ average car insurance rate in our analysis also goes up to about $2,000. 

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 $1,200, or about $360 more than its average for a driver profile with a clean record, $857. The average Geico rate for a driver profile with one DUI is $1,482 – $625 more than its average rate in our study for a driver with a clean record. That’s a jump of more than 40%.

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 $1,002. That study rate rose to an average of $1,053 whether we added one speeding ticket, one accident, or one DUI conviction to our driver profile. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Wisconsin Car Insurance Rates by City

City

Average Rate

Appleton

$855

Eau Claire

$938

Green Bay

$858

Janesville

$922

Kenosha

$1,070

La Crosse

$967

Madison

$974

Milwaukee

$1,316

Oshkosh

$880

Waukesha

$920

Many parts of Wisconsin are rural, and fewer cars means fewer accidents. That translates to lower rates. We found that several cities in the state had average rates below $1,000. 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 Appleton, with an average of $855. In contrast, we found that average auto insurance rates in the state’s largest city, Milwaukee, were about $1,316, according to our analysis. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

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 

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Young Adult Drivers

State Farm

Married Adult Drivers

GEICO

Senior Drivers

GEICO

Drivers with Good Credit

GEICO

Drivers with Poor Credit

Nationwide

Drivers with a Clean Record

GEICO

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

GEICO

Drivers with Low Coverage

GEICO

Drivers with High Coverage

GEICO

Drivers with Used Cars

GEICO

Drivers with New Cars

Nationwide

Our study found that the lowest average car insurance rates in Wisconsin were from USAA, with an overall average of $568. Geico had an average rate in our study of $858, about a third more than Geico’s average study rate. According to our analysis, American Family, Nationwide, and State Farm all had average rates that were also below $1,000 in Wisconsin, where the average rate statewide was $1,010 in our study.

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Wisconsin

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. 

JamesBrey / Getty Images

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 mph, 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.

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 SR-22 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. 

Driving under the influence is called OWI – operating while intoxicated – in Wisconsin. Like in many states, .08% 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% 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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.