Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Compare RatesStart Now → licensed agents did a comparison study of the cheapest car insurance companies in Wisconsin and found Erie Insurance provides the cheapest state minimum rate at $339 annually or 42% less expensive than Wisconsin’s average of $580 per year.

Travelers Insurance at $1,141 per year provides cheap auto insurance in Wisconsin or 29% cheaper than the statewide average of $1,596 per year.

Affordable Wisconsin Car Insurance Rates

Wisconsin insurance shoppers should compare quotes with the same coverage levels with at least three auto insurance companies to find the cheapest rates and save more on their premiums.

Cheapest Car Insurance in Wisconsin - Quick Hits
AutoInsureSavings.orgThe cheapest Wisconsin car insurance options are:

Cheapest for minimum coverage: Erie Insurance
Cheapest for full coverage: Travelers Insurance
Cheapest after an at-fault accident: Travelers
Cheapest after a speeding ticket: Erie
Cheapest after a DUI: Progressive
Cheapest for poor credit history: American Family
Cheapest for young drivers: American Family
For young drivers with a speeding violation: Erie
For young drivers with an at-fault accident: American Family
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Enter your Zip Code or use this practical Wisconsin auto insurance guide which is the best way to find top car insurance providers at an affordable price in your area regardless of your driving type.
Cheapest auto insurance from Erie, USAA, Travelers, and State Farm compared to average rates.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Cheapest Car Insurance in Wisconsin for Minimum Coverage

Erie Insurance offers the lowest minimum coverage rates for Wisconsin drivers with a clean record, which provided us a $339 annual rate or $241 cheaper than the $580 average price quoted for our 30-year-old driver.

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Suppose you are a military member or a family member of a service member. In that case, your best rates are with USAA, which offered our agents a $357 annual quote or $30 per month for minimum liability coverage.

InsurerAverage annual rate
American Family$453
State Farm$488
Partners Mutual$591
Auto-Owners Insurance$612
Wisconsin average$580
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*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Buying a minimum coverage level car insurance policy is the cheapest way to meet Wisconsin’s minimum insurance requirements to ensure you stay legal.

State minimums may not have sufficient coverage with the amount of bodily injury and property damage liability you need if you are involved in an auto accident. For this reason, it is recommended looking at other optional coverage if your financial situation will allow for it, as cheap car insurance isn’t always worth it if you’re still left paying a large amount out of pocket in case of an incident. 

A Wisconsin state minimum auto policy only covers up to $50,000 per accident in bodily injury liability and $10,000 per accident in property damage liability.

Cheapest Full Coverage Car Insurance in Wisconsin

Travelers Insurance offers the cheapest car insurance rates for full coverage in Wisconsin. Travelers’ $1,141 rate is 29% less expensive than the statewide average of $1,596 per year.

InsurerAnnual cost
Monthly cost
American Family$1,415$117
Wisconsin average$1,596$133
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*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

A full coverage car insurance policy costs more than liability-only policies but offers more asset protection with comprehensive and collision insurance included. Your motor vehicle is protected no matter who or any inclement weather caused the property damage.

Cheapest Car Insurance With One Speeding Ticket in Wisconsin

Erie offers the cheapest auto insurance rates for Wisconsin drivers with one speeding violation on their driving record. Erie’s $1,390 rate is 26% or $485 less expensive than the statewide average.

InsurerAnnual cost
Monthly cost
American Family$1,517$126
State Farm$1,543$128
Wisconsin average$1,875$156
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According to Wisconsin’s Department of Transportation, your auto insurance rates can increase by $279 per year or 15% with one traffic violation for speeding.

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Most auto insurers will increase car insurance rates after traffic tickets, so you want to make sure to comparison shop for cheaper insurance coverage after any traffic violation on driving records.

Cheapest Car Insurance in Wisconsin With a Car Accident

According to our analysis, Travelers offers the cheapest insurance rates for drivers with one at-fault accident with a $1,675 annual insurance premium for our sample driver.

Travelers’ rate is 23% less expensive than Wisconsin’s average ($2,170) insurance premium for drivers with one accident in their driving history.

InsurerAnnual cost
Monthly cost
State Farm$1,956$163
Wisconsin average$2,170$180
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Getting into an at-fault accident may cause a rate hike of 27% or $574 per year, showing the importance of shopping for cheaper auto insurance if you have a change on your driving record.

To make sure you get the best rates, be sure to compare quotes with at least three car insurance companies after a car accident.

Cheapest Car Insurance With a DUI in Wisconsin

Wisconsin drivers with DUI offenses on their driving records can find the cheapest car insurance with Progressive, which provided our insurance agents a quote at $1,951 per year or a $162 monthly rate for full coverage.

The average annual rate for drivers with DUI violations is $2,714, making Progressive’s rate 29% cheaper than Wisconsin’s average DUI rate.

InsurerAnnual cost
Monthly cost
Wisconsin average$2,714$226
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According to Mothers Against Drunk Driving (MADD), car insurance premiums in the state increase by 42% on average for drivers with driving while intoxicated violations (DUI’s).

According to Wisconsin DOT, you will need an SR-22. A Judge may order an ignition interlock device (BAIID) installed in your motor vehicle for 90 to 180 days, depending on the DUI offense’s severity.

Cheapest Car Insurance for Drivers With Poor Credit in Wisconsin

American Family (AmFam) provides the cheapest insurance for drivers with poor credit in Wisconsin with a $1,470 rate for full coverage or 17% less expensive than the average bad credit rate of $1,759 per year.

InsurerAnnual cost
Monthly cost
American Family$1,470$122
Wisconsin average$1,759$146
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Compare RatesStart Now → analysis shows drivers who have a poor credit score will pay 10 to 16% more for auto coverage. Drivers with poor credit are more likely to file a claim or get involved in an at-fault accident.

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For that reason, their car insurance costs will not come at the lowest rates. Make sure to maintain good credit scores and pay credit cards on time to ensure that affordable rates for car insurance is what you see.

Cheapest Car Insurance for Young Drivers in Wisconsin

We found young Wisconsin drivers looking for the cheapest full coverage auto insurance is with American Family, which provided our agents a $2,916 annual quote or 43% less expensive than our sample young driver’s average rates.

USAA is the best car insurance option for younger drivers who qualify, which offered AutoInsureSavings’ agents a $3,014 annual rate for full coverage insurance.

The cheapest for state minimum coverage is American Family, which offered us a quote at $874 per year or 55% cheaper for young or teen drivers. The next best option for younger drivers is Erie Insurance, with a $916 annual rate for liability insurance.

InsurerFull coverageMinimum coverage
American Family$2,916$874
Erie Insurance$3,044$916
State Farm$3,980$1,390
Wisconsin average$5,114$1,915
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*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Statistics show drivers under 25 are more prone to car accidents than older experience drivers, making car insurance costs higher. Our licensed agents recommend young or teen drivers to buy full coverage policies, so they have motor vehicle coverage in an auto accident as an added layer of protection.

It is best to find a company that offers the cheapest car insurance rates for young or teen drivers in the Badger State, such as American Family or Erie Insurance, to cut down on your insurance costs.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Young Wisconsin drivers with one speeding violation should look to Erie for the cheapest option for insurance coverage. Erie’s average car insurance cost is $3,154 annually or $2,160 less per year for auto insurance policies with comprehensive and collision coverage.

Erie’s monthly speeding ticket rate of $262 is 41% less expensive than the average $442 monthly rate for younger drivers, giving affordable options to a demographic that typically sees higher rates.

InsurerAnnual costMonthly cost
American Family$3,217$268
Wisconsin average$5,314$442
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Cheapest Car Insurance for Young Drivers with an At-Fault Accident

Inexperienced drivers in Wisconsin with one at-fault accident can find the best car insurance with American Family, which provided our agents a $3,377 annual rate ($281 per month) for full coverage insurance.

American Family’s at-fault accident rate is 42% cheaper than Wisconsin’s teen driver accident rate of $5,744 per year.

InsurerAnnual costMonthly cost
American Family$3,377$281
State Farm$4,413$367
Wisconsin average$5,744$478
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Best Auto Insurance Companies in Wisconsin team of licensed insurance agents rated the best car insurance companies in Wisconsin by customer service and surveys, J.D. Powers claims satisfaction score, A.M. Best, and the National Association of Insurance Commissioners (NAIC) complaint index.

We found that Auto-OwnersUSAA, and American Family Insurance are the best insurers based on excellent customer serviceclaims satisfaction, and NAIC’s complaint index.

ValuePenguin had similar results from their recent Wisconsin customer survey, with Auto-Owners scoring 100% with customers in claims satisfaction. Erie Insurance scores well in customer service ratings but has higher than the national average (1.00) NAIC’s complaint index at 1.10.

Auto Insurer% extremely satisfied with recent claim% rated customer service as excellent
American Family 86%50%
State Farm73%46%
Erie Insurance67%50%
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Our licensed insurance agents also collected information on each auto insurance company in Wisconsin from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings.

The car insurance company with the lowest NAIC complaint ratio (0.00) is Secura Insurance. Secura’s complaint index is below the national average of 1.00 at 0.00.

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Secura is a regional car insurance company founded in 1900 that we recommend comparing quotes to help Wisconsin residents find lower rates and save money.

The NAIC’s complaint ratio compares the number of complaints an auto insurer has based on its market share in Wisconsin. Any car insurance provider below 1.00 is better than the national average.

Auto-Owners and USAA have the highest J.D. Power claims satisfaction scores of 890 each, and Erie Insurance and State Farm have 880 and 881, respectfully.

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
American Family0.45862A
State Farm0.66881A++
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A.M. Best financial strength ratings are a grade describing an auto insurer’s financial health and their ability to pay out claims.

While comparison shopping for car insurance companies in Wisconsin, it is essential to remember that several risk factors contribute to your premium cost. Your age, driving experience and even your credit rating can influence your total monthly or annual cost.

It is always best for Wisconsin drivers to compare car insurance plans to find the best company that offers the lowest insurance rate.

Average Car Insurance Costs by City in Wisconsin

We collected insurance quotes from Wisconsin zip codes from top insurance companies and found average rates can vary by $374. The lowest auto policy is in Oshkosh ($1,299), and the highest rate is in Madison ($1,673). Typically, you will pay higher rates if you live in urban cities rather than the state’s rural areas.

Your Wisconsin rate is based not only on your zip code but the type of vehicle, liability limits, marital status, plus a variety of other risk factors.

Cheapest Car Insurance in Milwaukee, WI

In Milwaukee, drivers can find the cheapest insurance quotes with Erie Insurance. Erie provided agents a rate of $1,215 annually or $101 per month with $100,000 in liability insurance and $500 deductibles for comprehensive and collision coverage.

Erie’s quote is 25% less expensive than the average Milwaukee rate at $1,612.

Milwaukee CompanyAverage Premium
State Farm$1,379
Liberty Mutual$1,588
Milwaukee average$1,612
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Cheapest Car Insurance in Madison, WI

Madison drivers can look to Travelers for the cheapest coverage rates, with a quote at $1,243 per year with full coverage insurance. Travelers’ rate is 26% cheaper than Madison’s $1,673 average rates for similar driver profiles.

Madison CompanyAverage Premium
State Farm$1,386
American Family$1,408
Madison average$1,673
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Cheapest Car Insurance in Green Bay, WI

Green Bay drivers can find the cheapest full coverage insurance policy with Erie Insurance, which offered us a $1,197 annual rate for our sample 30-year-old driver with comprehensive and collision $500 deductibles and uninsured motorist coverage.

Erie’s car insurance rate is $443 less annually than Green Bays’ average of $1,640 per year.

Green Bay CompanyAverage Premium
American Family$1,317
Liberty Mutual$1,576
Green Bay average$1,640
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Cheapest Car Insurance in Kenosha, WI

Our insurance agents’ cheapest auto insurance rate found in Kenosha is Travelers, with a $1,090 per year rate for a full coverage auto insurance policy. Travelers’ quote is 32% less expensive than Kenosha’s average rate of $1,598 per year.

Both Erie ($1,165) and GEICO ($1,430) offer insurance quotes for a full policy with uninsured motorists coverage in Kenosha at least 9% lower than the citywide average.

Kenosha CompanyAverage Premium
Kenosha average$1,598
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Cheapest Car Insurance in Racine, WI

Drivers in Racine can get cheap auto insurance with State Farm, which provided our licensed agents a $1,050 annual rate for a full coverage insurance policy with $100,000 in liability insurance. State Farm’s quote is 31% less expensive than the average $1,518 yearly rate in Racine. 

Racine CompanyAverage Premium
State Farm$1,050
American Family$1,137
Partners Mutual$1,355
Racine average$1,518
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Cheapest Car Insurance in Appleton, WI

Appleton’s least expensive car insurance policy is with Erie, which offered us a quote at $980 per year for full coverage with $500 deductibles for comprehensive and collision coverage. Erie’s full coverage quote is 34% cheaper than Appleton’s average $1,480 rate for 30-year-old drivers.

Appleton CompanyAverage Premium
American Family$1,063
Partners Mutual$1,321
Appleton average$1,480
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Average Car Insurance Cost for All Cities in Wisconsin

CityAnnual Premium CostCityAnnual Premium Cost
Milwaukee$1,612Union Grove$1,416
Green Bay$1,640Mayville$1,353
Waukesha$1,468Ohatchee Lake$1,422
Eau Claire$1,444Lake Wisconsin$1,359
West Allis$1,470Clintonville$1,437
La Crosse$1,500Viroqua$1,339
Wauwatosa$1,418Prairie du Sac$1,500
Fond du Lac$1,337French Island$1,347
New Berlin$1,480East Troy$1,515
Menomonee Falls$1,524West Milwaukee$1,370
Oak Creek$1,339Marshall$1,479
Sun Prairie$1,370Rochester$1,494
Manitowoc$1,410North Hudson$1,437
West Bend$1,347Lancaster$1,353
Mount Pleasant$1,359Stanley$1,519
Stevens Point$1,393Merton$1,410
Neenah$1,418Combined Locks$1,505
De Pere$1,437Bloomer$1,518
Mequon$1,526Black River Falls$1,418
Watertown$1,410Sauk City$1,337
South Milwaukee$1,494Wrightstown$1,530
Pleasant Prairie$1,502Seymour city$1,347
Fox Crossing$1,339Ellsworth$1,418
Onalaska$1,370Howards Grove$1,589
Wisconsin Rapids$1,359Ladysmith$1,418
Oconomowoc$1,513New Holstein$1,339
Beaver Dam$1,511Yorkville$1,505
River Falls$1,393Arcadia$1,410
Weston$1,437Paddock Lake$1,337
Hartford$1,418Genoa City$1,347
Salem Lakes$1,353Johnson Creek$1,479
Pewaukee$1,410Lake Delton$1,437
Chippewa Falls$1,500Kewaunee$1,526
Whitefish Bay$1,418Lake Wissota$1,505
Allouez$1,370Wisconsin Dells$1,393
Shorewood$1,404Oconto Falls$1,437
Suamico$1,393Bohners Lake$1,479
Fort Atkinson$1,404Juneau$1,526
Baraboo$1,370Mineral Point$1,393
Harrison$1,418Williams Bay$1,404
Brown Deer$1,337Mondovi$1,339
Port Washington$1,437Fennimore$1,505
Little Chute$1,404Maine$1,370
Two Rivers$1,370Delavan Lake$1,393
Portage$1,359New Lisbon$1,494
DeForest$1,347Tainter Lake$1,404
St. Francis$1,393Dousman$1,541
Reedsburg$1,522North Prairie$1,339
Merrill$1,479Cuba City$1,486
New Richmond$1,370Brice Prairie$1,359
Shawano$1,404Shorewood Hills$1,337
Sturgeon Bay$1,526Park Falls$1,494
Rice Lake$1,370Wautoma$1,418
Pewaukee village$1,496Pardeeville$1,429
Monona$1,494Lake Wazeecha$1,339
Lake Geneva$1,404Cedar Grove$1,353
Sheboygan Falls$1,423Eagle$1,339
Hales Corners$1,359New Glarus$1,337
Delafield$1,347St. Croix Falls$1,370
Mount Horeb$1,404Crandon$1,423
Cottage Grove$1,339Lake Ripley$1,347
New London$1,337Fall River$1,428
Lake Hallie$1,499Campbellsport$1,404
Fox Point$1,423Butler$1,359
Rib Mountain$1,353Browns Lake$1,337
Elm Grove$1,370King$1,497
Twin Lakes$1,428Cornell$1,339
Waupaca$1,359Wind Point$1,347
Lake Mills$1,393Trempealeau$1,370
Prairie du Chien$1,339Palmyra$1,404
Milton$1,511Port Edwards$1,423
Wind Lake$1,337West Baraboo$1,490
North Fond du Lac$1,444Fox Lake$1,353
Columbus$1,429Spring Green$1,370
Bristol$1,337Random Lake$1,393
Richland Center$1,370Eagle River$1,404
West Salem$1,353Sharon$1,339
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Minimum Auto Insurance Coverage Requirements in Wisconsin

According to the Office of the Commissioner of Insurance, all Wisconsin drivers must have the minimum liability limits:

LiabilityMinimum coverage
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$10,000 per accident
Uninsured motorists bodily injury $25,000 per person and $50,000 per accident
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Wisconsin requires drivers to carry uninsured motorist coverage since the uninsured rate is 14.3%, according to the Insurance Information Institute ( agents also recommend higher liability limits with collision and comprehensive coverage. You will be responsible for the extra costs in an at-fault auto accident if the cost of bodily injury and property damage exceed liability limits.

Frequently Asked Questions

Who has the cheapest car insurance in Wisconsin?

Erie Insurance offers the state minimum’s cheapest auto insurance rate at $339 per year. The average annual car insurance premiums for minimum coverage in Wisconsin are $580, and Erie’s premium costs 42% less per year. Other good options for affordable car insurance are Travelers at $368 and American Family at $453 per year.

How much is Wisconsin car insurance per month?

The average car insurance costs $1,596 in Wisconsin for full coverage insurance and $580 per year for state minimum coverage for a 30-year-old driver with a clean driving record.

How much Is full coverage Wisconsin car insurance?

The average cost of full coverage car insurance in Wisconsin is $1,596 annually or $133 per month with $100,000 per accident in liability coverage. Travelers’ average rate for full coverage is $1,141 a year or $95 per month or 29% less per year, while Erie’s $1,330 is 17% below Wisconsin’s average.

How do I save on car insurance in Wisconsin?

The best way to save on your insurance premium is to find out from your car insurance provider if you are eligible for a money-saving driver discount offered by the company. Many insurance providers in Wisconsin will lower your overall car insurance rates if you have more than one policy with them, such as life or home insurance policies.

Another way to save on your car insurance premium is to practice safe driving habits and maintain clean driving records. Many auto insurers offer good driving discounts for drivers in Wisconsin that have clean driving records for three to five years. One example is Travelers Insurance which offers good drivers a safe driver discount of up to 10% for three years of good driving and 23% for being accident-free for five years. Not only will you keep and your passengers safe, but it will also help you avoid car accidents or traffic violations that could cause your premium to increase.

To learn more about Wisconsin’s most affordable car insurance options, enter your zip code or contact the auto insurance experts at

Our licensed insurance professionals will be happy to answer any questions you have.

Methodology comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible
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We used insurance rates for drivers with accident histories, credit scores, and marital status for other Wisconsin rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your insurance rates may vary when you get quotes.


– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Wisconsin Department of Transportation. “Minimum Insurance Requirements.”
– Wisconsin DOT. “Proof of Auto Insurance.”
– Insurance Information Institute. “How Much Auto Coverage Do I Need?.”
– “Drunk Driving & Insurance Statistics.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.