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Cheap car insurance in Wisconsin
How to get the best car insurance in Wisconsin
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.
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Most popular Wisconsin auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| American Family | $604,048 | 18.6% |
| Progressive | $592,563 | 18.20% |
| State Farm | $470,805 | 14.50% |
| Geico | $154,568 | 4.80% |
| Allstate | $148,447 | 4.60% |
| Erie | $112,356 | 3.50% |
| ACUITY | $111,057 | 3.40% |
| West Bend Mutual | $97,439 | 3% |
| USAA | $80,473 | 2.50% |
| Liberty Mutual | $78,874 | 2.40% |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $2263 |
| American Family | $1550 |
| 21st Century | $1835 |
| Metromile | $1871 |
| AAA | $2666 |
Car insurance quotes in Madison
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1350 |
| American Family | $1153 |
| 21st Century | $1355 |
| Metromile | $1105 |
| AAA | $1861 |
Car insurance quotes in Beloit
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1296 |
| American Family | $1243 |
| 21st Century | $1275 |
| Metromile | $1121 |
| AAA | $1892 |
Car insurance quotes in Madison
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1376 |
| American Family | $1224 |
| 21st Century | $1372 |
| Metromile | $1148 |
| AAA | $1968 |
Car insurance quotes in Neenah
| Company | Annual 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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