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Cheap car insurance in Wisconsin

How to get the best car insurance in Wisconsin

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Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


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
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
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.
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

CompanyDirect premiums written (billions)Market share
American Family$604,04818.6%
State Farm$470,80514.50%
West Bend Mutual$97,4393%
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

Rates last updated September 1st, 2019
Company Median annual rate Learn more
Allstate $478 Read review
Metromile $379 Read review
Erie $364 Read review
Kemper $1,037 Read review
USAA $443 Read review
Auto-Owners $946 Read review
State Farm $341 Read review
Geico $725 Read review
AAA $558 Read review
Acuity $1,186 Read review
American Family $434 Read review
21st Century $587 Read review
Average $623 Compare more reviews

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
American Family$1550
21st Century$1835

Car insurance quotes in Madison

CompanyAnnual car insurance rate
American Family$1153
21st Century$1355

Car insurance quotes in Beloit

CompanyAnnual car insurance rate
American Family$1243
21st Century$1275

Car insurance quotes in Madison

CompanyAnnual car insurance rate
American Family$1224
21st Century$1372

Car insurance quotes in Neenah

CompanyAnnual car insurance rate
American Family$955
21st Century$1170

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

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

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