Compare car insurance in Wisconsin

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

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Wisconsin
• List of insurance companies in Wisconsin

Compare Wisconsin car insurance providers

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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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.

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.

• Milwaukee
• Madison
• Beloit
• Madison
• Neenah

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

• If I'm under 21, what are the DUI standards in Wisconsin?

  For drivers who aren’t of drinking age, the BAC limit is 0.02%, which is also the lowest accurate BAC most breathalyzers or portable breath tests are capable of reading.

• Can my insurance provider cancel my coverage if I file a claim?

  Most insurance providers reserve the right to cancel your coverage during the first 60 days of your policy, but that exact length of time depends on which insurer you’re working with. After those 60 days, your insurance provider usually only cancels your coverage if you fail to make a payment, fraudulently misrepresented yourself on the application or had your driver’s license suspended.

• Is my car insurance from another state sufficient in Wisconsin?

  If you’re only passing through, the insurance policy you have in your home state will be just fine. But if you’re moving to Wisconsin, you’ll need to get an insurance policy that adheres to the state’s legal minimums — typically as soon as you register your vehicle there.

• Will my rates go up if I file an insurance claim?

  Your rates can go up if you file a claim — insurance providers reserve the right to adjust your rates upon your policy renewal. But there’s no guarantee this will happen. You’ll be protected from a rate increase if your insurance provider offers accident forgiveness or some sort of rate-locking deal for the lifetime of your policy.