Cheap car insurance in Wisconsin

How to get the best car insurance in Wisconsin

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Wisconsin

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,300

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Wisconsin car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Farmers
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Most popular Wisconsin auto insurance companies list

CompanyDirect premiums written (billions)Market share
American Family$604,04818.6%
Progressive$592,56318.20%
State Farm$470,80514.50%
Geico$154,5684.80%
Allstate$148,4474.60%
Erie$112,3563.50%
ACUITY$111,0573.40%
West Bend Mutual$97,4393%
USAA$80,4732.50%
Liberty Mutual$78,8742.40%

Average car insurance costs in Wisconsin

With average costs for car insurance landing around $1,150 annually in 2015, Wisconsin drivers can expect to pay less than the national average — around $1,300 — and way less than their neighbors across the lake. Michigan drivers could pay upwards of $2,300 for comparable coverage.

But while Wisconsin has fairly reasonable car insurance rates overall, prices vary throughout the state. If you live in downtown Milwaukee you’ll likely pay more for car insurance than drivers out in Rhinelander or the little town of Kohler. Where you live can affect your insurance costs because city living comes with some additional risks for car accidents, vandalism and theft — and more risks usually means higher premiums.

Cheapest car insurance in Wisconsin

Which city has the cheapest car insurance in Wisconsin?

Of Wisconsin’s largest cities, Neenah has the cheapest rates and Milwaukee has the most expensive car insurance rates. Milwaukee drivers could face rates 3 times more than Neenah drivers.

Car insurance quotes in Milwaukee

CompanyAnnual car insurance rate
Allstate$2263
American Family$1550
21st Century$1835
Metromile$1871
AAA$2666

Car insurance quotes in Madison

CompanyAnnual car insurance rate
Allstate$1350
American Family$1153
21st Century$1355
Metromile$1105
AAA$1861

Car insurance quotes in Beloit

CompanyAnnual car insurance rate
Allstate$1296
American Family$1243
21st Century$1275
Metromile$1121
AAA$1892

Car insurance quotes in Madison

CompanyAnnual car insurance rate
Allstate$1376
American Family$1224
21st Century$1372
Metromile$1148
AAA$1968

Car insurance quotes in Neenah

CompanyAnnual car insurance rate
Allstate$1325
American Family$955
21st Century$1170
Metromile$837
AAA$1749

State minimum requirements in Wisconsin

To legally drive in Wisconsin, you’ll need insurance that includes at least:

  • $25,000 for injury or death per person
  • $50,000 total for injury or death to multiple people in a single accident
  • $10,000 for property damage

You’re also required to get uninsured and underinsured motorist coverage with the following limits:

  • $25,000 for injuries per person
  • $50,000 for total injuries per accident

Can I get SR-22 insurance in Wisconsin?

Yes, you can file an SR-22 certificate in Wisconsin, which is a document that your car insurance company files with the state to prove you have the legal minimum coverage requirements needed to get behind the wheel. You might need to file an SR-22 if you’ve gotten a DUI or have been caught driving without car insurance.

Bottom line

Car insurance can help to protect you and your vehicle, plus other drivers on the road — and in the state of Wisconsin, you simply can’t hit the road without it.

To learn more about these topics, from state laws and regulations to finding the best value on your coverage, visit our comprehensive guide to auto insurance.

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Frequently asked questions about car insurance in Wisconsin

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