Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Compare car insurance in Wisconsin

Get the cheapest car insurance in Wisconsin for 2021

The average annual cost of car insurance in Wisconsin is $1,300. Narrow down car insurers offering coverage in Wisconsin by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
AZ, CO, IL, IN, MD, MO, OK, OH, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.

Compare up to 4 providers

Find out what you can expect when driving in Wisconsin, from legal insurance minimums to the cities with the cheapest car insurance premiums.


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.

Most popular Wisconsin auto insurance companies list

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.

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.

Frequently asked questions about car insurance in Wisconsin

More guides on Finder

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

    Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
    Go to site