Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare car insurance in Wisconsin

Get the cheapest car insurance in Wisconsin for 2022

Wisconsin drivers pay an average of $830.06 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $69.17 per month. Wisconsin drivers pay about 30% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Wisconsin car insurance quick facts

Picture not described

Minimum liability requirements

25/50/10

Average annual car insurance cost according to the NAIC

$830.06

At-fault state

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

Wisconsin state minimum car insurance requirements

Drivers in Wisconsin are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/10, but we’ll break down what that means.

    Bodily Injury Liability

    Wisconsin bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Wisconsin requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident. That’s right in line with what most states require for this type of coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Wisconsin property damage liability

    • $10,000 property damage liability

    Wisconsin requires drivers to carry $10,000 of property damage liability to legally drive. This is on the lower end of requirements for this coverage, but it’s common among states.

    This means $10,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    Wisconsin uninsured or underinsured motorist

    • $25,000 uninsured motorist bodily injury per person
    • $50,000 uninsured motorist bodily injury per accident

    Wisconsin requires all drivers to carry $25,000 of uninsured motorist bodily injury per person, $50,000 uninsured motorist bodily injury per accident. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills to you and your passengers.

    Finder tip: Wisconsin state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Wisconsin, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    In Wisconsin, the driver at fault pays for damage

    Wisconsin is an at-fault state, meaning that the driver who causes the car accident pays for the damage. Your insurance company and legal authorities will determine which driver is at fault, based on the details of the accident.

    However, Wisconsin also looks at whether both drivers are partially at fault under a modified comparative fault law, according to the legal website Nolo. Under this law, both drivers are assigned a percentage of damage. The driver with over 50% responsibility will pay for the other drivers’ damages. However, the driver with less responsibility isn’t required to pay for any damage.

    For example, if you’re 80% at fault for an accident, your insurance will pay 80% of the other driver’s damages. However, since you’re more than 50% at fault, the other driver isn’t required to pay for your damages.

    7 factors that affect car insurance rates in Wisconsin

    Insurance companies use factors that are characteristics specific to you when calculating your car insurance rate. Less risky factors mean you’ll pay less, whereas factors with higher risk mean you’ll pay more. We’ve broken down Wisconsin’s factor-rating to keep in mind.

    FactorHow it affects your rates
    Age

    Age

    A driver’s age is one of the main factors insurance companies use when calculating rates. The older you are, the more road experience you have under your belt, so the less risky you are.

    Depending on the insurer, a 25-year-old driver can expect to pay anywhere between $70 to $500 more annually than a driver aged 35 years. On average, a 25-year-old male can pay $1,210 annually vs. $960 for a 35-year-old male. In contrast, a 60-year-old male can expect to pay around $860 per year.

    Gender

    Gender

    Wisconsin also factors in gender for your rate calculation. The average rate for men is approximately $32 more annually than that for women. Considering other factors weigh in to decide rates for both men and women, typically there’s little variation between gender for companies offering the cheapest insurance.
    Location

    Location

    Multiple geographic factors comprise car insurance prices, such as accident rates within specific ZIP codes, historic vandalism rates, population density and theft. Drivers in Milwaukee can expect the highest rates at $1,280 on average vs. the least expensive city of Green Bay at $839 annually. The statewide average price for car insurance is approximately $1040 annually.
    Vehicle and mileage

    Vehicle and mileage

    The car model and series level you drive combined with how much you drive also affect your insurance rates in Wyoming. High-powered and high-performance vehicles, and vehicles with aftermarket modifications will see a rise in your insurance.

    Other factors that decide your rates include overall vehicle cost, the car model’s safety rating and the likelihood of theft. Typically, safer and cheaper models will be less to insure than luxury brands with all the bells and whistles.

    And the more you drive, the more likely you are to experience an event, which calls for higher premiums. In Wisconsin, driving 6,000 miles yearly equates to $950 in annual premiums, whereas 12,000 on the road will set you back $990.

    Credit score

    Credit score

    Wisconsin insurers charge the highest coverage rates for drivers with poor credit histories. Drivers with good credit scores could see an annual insurance rate of about $990. These rates rise to about $1,220 with a fair credit score, and again up to approximately $1,990 for those with poor credit.
    Coverage

    Coverage

    Sufficient coverage can mean not having to pay expenses out of pocket in the event of an accident. The more coverage you have, the better protected you are and the higher premiums you’ll pay.

    Low coverage costs in Wisconsin average to about $960 yearly, whereas high coverage can be anywhere around $1,030 on average.

    Driving Record

    Driving Record

    Your history on the road makes for important data when determining your car insurance rates. Events like speeding violations, accidents and DUIs can set your premium soaring.

    Wisconsin drivers with a clean driving record pay approximately $990 annually — or $220 less per year on average — than Wisconsin drivers with one speeding violation. And a driver with a clean history will also pay about $420 less per year on average than someone with one DUI — at $1,410 yearly.

    Does Wisconsin require SR-22 insurance?

    Yes, Wisconsin can require drivers to file an SR-22 to reinstate their license. An SR-22 is a certificate that proves you have enough car insurance to meet the state’s minimum insurance requirements. The Wisconsin Department of Transportation will notify you if you’re required to get an SR-22, and you may be required to file if your license was suspended or revoked. Learn more about SR-22 car insurance in Wisconsin.

    Coverage to consider in Wisconsin

    Wisconsin requires 25/50/10 of liability insurance to drive, but the property damage liability coverage is rather low. The state also has a lower theft rate but can experience severe weather – especially in the winter. Here’s some extra coverage you may want to consider.

    Collision coverage for the commuters

    Most Cheeseheads drive alone to work – 81.7% – as reported by BTS. With high commuter levels like that, it’s wise to consider collision coverage if you’re in that majority. Collision coverage can help you repair or replace your vehicle in the event of an accident, and it’s often required by your auto lender if you’re financing.

    Consider collision coverage if . . .

    • You commute to work.
    • You tack on the miles.
    • You’re in heavy traffic daily.
    • You depend on your vehicle.
    • You don’t have the extra cash to repair or replace your car unexpectedly.
    • Your lender requires it.

    You may want more property damage liability coverage

    Wisconsin only requires $10,000 in property damage liability coverage to be on the road. While this is common, realistically, it’s not a lot of coverage. If you were to be at fault in a car accident and damage someone else’s vehicle, $10,000 may not cut it. Many newer cars on the road have a value of around $20,000 to $40,000 – trucks and SUVs are likely to be worth more than that. Once the $10,000 steps in to cover damages, anything leftover would be up to you.

    Consider more property damage liability coverage if . . .

    • You’re a commuter and are in heavy traffic daily.
    • You don’t have the funds to pay for expensive vehicle repairs suddenly.

    Comprehensive coverage for rough winters and weather

    Storms, cold Wisconsin winters, and abundant wildlife can all represent a risk to your vehicle. Comprehensive coverage can offer peace of mind for things outside of vehicle accidents. If your car is damaged in a storm, hits an animal, or is stolen, then this coverage could protect your wallet from these unexpected, unpredictable events. Comprehensive, like collision coverage, is also required by most auto lenders.

    Consider comprehensive coverage if . . .

    • Your auto lender requires it.
    • You live in a rural area with large wildlife.
    • Severe weather is common in your area.
    • You don’t have extra funds to repair or replace your car unexpectedly.

    Roadside assistance for emergencies

    Wisconsin winters can be brutal, and getting stuck in the cold with a broken-down car only adds insult to injury. To avoid getting stranded, consider adding roadside assistance to your policy. It could be already included in your vehicle’s factory warranty, but it’s likely to expire within five years or 50,000 miles. If you have an older vehicle, live in a rural area, or commute year-round, roadside assistance can offer peace of mind.

    Top 10 auto insurance companies in USA that serve Wisconsin

    We’ve pulled the top 10 companies by market share that offer coverage in Wisconsin according to S&P Global. Compare top companies by three major rating agencies along with our overall score.

    • Better Business Bureau (BBB) rating measures how a business interacts with its customers, with the highest rating being A++.
    • J.D. Power determines customers’ overall satisfaction with their car insurer’s price, billing, claims and customer support. The higher the J.D. Power score out of 1,000, the better.
    • NAIC complaint index shows how a company’s number of complaints compares to similar companies of its size. Scores lower than 1.00 show the company receives less than the average number of complaints, and scores above 1.00 show more complaints than average.
    • Finder’s score shows you an overall look at the company by taking into account scores from each of these agencies as well as the coverage and discounts each company offers.
    Provider
    BBB Rating
    JD Power Rating
    NAIC complaint ratio
    National market share %
    Finder score
    Go to site
    State Farm
    A+
    847/1000
    1.93
    16.2

    ★★★★★ 4/5

    Read review

    Geico
    A+
    832/1000
    1.42
    13.6

    ★★★★★ 4/5

    Read review

    Progressive
    A+
    830/1000
    1.05
    13.3

    ★★★★★ 4/5

    Get Quotes
    Allstate
    A+
    827/1000
    2.71
    10.4

    ★★★★★ 4/5

    Get Quotes
    USAA
    A+
    884/1000
    1.9
    6.3

    ★★★★★ 4/5

    Get Quotes
    Farmers
    A-
    820/1000
    1.64
    4.9

    ★★★★★ 4/5

    Read review

    Liberty Mutual
    A+
    827/1000
    2.2
    4.7

    ★★★★★ 4/5

    Get Quotes
    Nationwide
    A+
    814/1000
    2.08
    2.3

    ★★★★★ 4/5

    Read review

    American Family
    A+
    815/1000
    1.35
    2.1

    ★★★★★ 4/5

    Read review

    Travelers
    A+
    820/1000
    3.28
    2

    ★★★★★ 4/5

    Read review

    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

    Compare car insurance providers in Wisconsin

    Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
    Allstate
    Yes
    Yes
    Drivewise
    Yes
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

    Speak to an agent: 877-526-1527

    Progressive
    loan/lease coverage
    Yes
    Snapshot
    Yes
    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.
    Pretected
    Yes
    Depends on provider
    No
    No
    All 50 states
    Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
    Root
    No
    Yes
    Telematics only
    Yes
    Available in 31 states
    Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
    The AARP Auto Insurance Program from the Hartford
    Yes
    Yes
    TrueLane®
    No
    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.
    USAA
    No
    Yes
    SafePilot
    Yes
    All 50 states & DC
    Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
    Branch
    Yes
    No
    Yes
    Yes
    AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
    Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
    Liberty Mutual
    Yes
    Yes
    RightTrack
    Yes
    All 50 states & DC
    Earn free accident forgiveness after five years claims-free and customize your policy anytime.

    Speak to an agent: 877-336-0538

    Nationwide
    Yes
    No
    Yes
    Yes
    All states except AK, HI, LA, MA
    Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
    Savvy
    Yes
    Depends on provider
    No
    Yes
    All states & DC
    Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
    Sigo Seguros
    Sigo Seguros
    No
    Yes
    No
    Yes
    Texas
    Sigo Seguors is an online-based car insurance company catering to the Spanish-speaking community. Texans can get a free quote and sign up online in minutes.
    AAA
    Yes
    Yes
    No
    Yes
    AK, AZ, CA, MT, NV, UT and WY
    Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
    Elephant
    loan/lease coverage
    Yes
    No
    No
    GA, IL, IN, MD, OH, TN, TX, VA
    Get a great deal online with steep discounts and some of the highest liability limits available.
    State Farm
    No
    Yes
    Drive Safe and Save
    Yes
    All 50 states
    Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

    Speak to an agent: 877-745-0232

    Allied
    Yes
    Yes
    Nationwide SmartRide
    No
    AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
    Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
    Assurance
    Yes
    Yes
    No
    Yes
    All states except AK & HI
    This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
    loading

    Compare up to 4 providers

    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 finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com 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

    Finder.com 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 finder.com Terms of Use.

    Questions and responses on finder.com 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