Cheap Auto Insurance in Wisconsin for 2025 (Lower Rates With These 10 Companies)
USAA, State Farm, and Geico are the top picks for cheap auto insurance in Wisconsin, with beginning rates of only $16 per month. While rated A++ by A.M. Best, USAA also offers the most affordable rates. State Farm and Geico also top the list, offering discounts and customizable coverage for Wisconsin drivers.
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Jeff Root
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Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
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UPDATED: Apr 2, 2025
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6,589 reviewsCompany Facts
Min. Coverage in Wisconsin
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
18,154 reviewsCompany Facts
Min. Coverage in Wisconsin
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Min. Coverage in Wisconsin
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsThe top picks for cheap auto insurance in Wisconsin include USAA, State Farm, and Geico, with the most affordable rates starting at $16 monthly.
These top insurance companies offer excellent auto insurance coverage options and premium plans for Wisconsin drivers’ auto insurance needs.
Our Top 10 Company Picks: Cheap Auto Insurance in Wisconsin
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $16 | A++ | Military Savings | USAA |
 | #2 | $21 | B | Many Discounts | State Farm |
 | #3 | $22 | A++ | Custom Plan | Geico |
 | #4 | $23 | A | Student Savings | American Family |
 | #5 | $30 | A | Customizable Polices | Liberty Mutual |
 | #6 | $26 | A++ | Accident Forgiveness | Travelers |
 | #7 | $33 | A+ | Innovative Programs | Progressive |
 | #8 | $38 | A | Local Agents | Farmers |
 | #9 | $43 | A+ | Add-on Coverages | Allstate |
 | #10 | $80 | A+ | Usage Discount | Nationwide |
This car insurance guide will help you find ways to save on your car insurance and provide information about usage discounts, student savings, and accident forgiveness.
- USAA, State Farm, and Geico provide cheap auto insurance in Wisconsin
- USAA top the list for offering the most affordable rates for only $16/mo
- See how State Farm and Geico help you save with their discounts and plan
Dive in to learn more about these top providers’ pros and cons and compare what fits your budget and vehicle needs. Start now by entering your ZIP code.
#1 – USAA: Top Overall Pick
Pros
- Affordable Coverage: USAA is known for offering Wisconsin’s cheapest and most affordable rates.
- High Customer Satisfaction: With its A++ rate from A.M. Best, it is known for offering smooth claims transactions.
- Exclusive Perks Without Extra Cost: According to our USAA auto insurance review, this policy features unique perks that help policyholders save money.
Cons
- Limited Eligibility: This feature is not open to all Wisconsin residents, which makes them look for other providers.
- Few Local Branches: USAA can’t be seen anywhere, making it inconvenient for Wisconsin drivers to use.
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#2 – State Farm: Best for Many Discounts
Pros
- Multiple Ways to Lower Premiums: State Farm is known for providing savings programs that reduce the cost of insuring your vehicle in Wisconsin.
- Strong Local Agent Network: As mentioned in our State Farm auto insurance review, this feature is everywhere, making it convenient for Wisconsin drivers.
- Highly Rated for Claims Processing: This feature’s best height only signifies peace of mind when processing claims.
Cons
- Not Always the Cheapest Option: Drivers in Wisconsin may look for cheaper and more affordable rates from their competitors.
- Less Advanced Online Tools: Digital quotes can be difficult for drivers in Wisconsin to access, making the experience more negative.
#3 – Geico: Best for Custom Plan
Pros
- Flexible Coverage for Every Budget: This feature helps Wisconsin drivers save by ensuring they pay only what they need.
- Easy Online Comparisons: Online pricing helps drivers in Wisconsin find the most affordable policy.
- Top-Tier Digital Features: Geico is known for providing the best mobile app for Wisconsin policyholders, as stated in our Geico auto insurance review.
Cons
- Fewer Local Agents: Geico can’t be seen anywhere, so that Wisconsin drivers can find support from other providers.
- Premiums May Increase for Risky Drivers: Drivers with a history of accidents may look for lower prices elsewhere.
#4 – American Family: Best for Student Savings
Pros
- Special Discounts for Younger Drivers: This feature allows students in Wisconsin to enjoy lower prices for their coverage options.
- Strong Local Support: Our American Family auto insurance review highlighted that this provider helps find the best policy easily and quickly.
- Comprehensive Plans with Value-Added Features: This feature provides optional add-ons for extra protection without increasing cost.
Cons
- Rates are Higher than Competitors: Rates can significantly increase without discounts help.
- Online Quoting Process Lacks Transparency: Getting affordable and accurate costs takes longer than other insurers.
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#5 – Liberty Mutual: Best for Customizable Policies
Pros
- Wide Range of Coverage Options: This feature helps drivers adjust their policy to match their financial needs.
- Generous Discount Programs: Special discounts and incentives help lower overall costs.
- 24/7 Claims Support: As mentioned in our Liberty Mutual auto insurance review, this feature helps prevent costly delays in covering damages.
Cons
- Not the Most Budget-Friendly Option: Rates can be higher than most affordable providers.
- Mixed Customer Service Reviews: Drivers experience slower claims resolution, making it a drawback for Wisconsin drivers.
#6 – Travelers: Best for Accident Forgiveness
Pros
- Keeps Rates Low After an Accident: This feature helps drivers in Wisconsin pay more significant rates after their first accident.
- Usage-Based Discounts Available: Drivers in Wisconsin practicing safe habits can save money through unique savings programs.
- Strong Financial Backing for Reliable Claims: Travelers is rated A++, securing smooth transactions for Wisconsin residents.
Cons
- Not as Many Local Agents: Travelers is not available anywhere, making it a drawback for other Wisconsin locals, as mentioned in our Travelers auto insurance review.
- Higher Premiums for Certain Drivers: Wisconsin policyholders with prior claims may pay a higher pricing rate.
#7 – Progressive: Best for Innovative Programs
Pros
- Telematics Discounts Reduce Costs: Progressive’s Snapshot program helps Wisconsin drivers save big.
- Name Your Price Tool: This feature helps Wisconsin drivers find affordable policies and adjust them to their needs.
- Extensive Coverage Options: As mentioned in our Progressive auto insurance review, this feature provides cost-effective protection for Wisconsin drivers.
Cons
- Pricing Varies Significantly: Rates are only budget-friendly because of the discounts offered for Wisconsin residents.
- Customer Service Reviews are Inconsistent: Drivers in Wisconsin report delays in claims handling, which makes them pay more.
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#8 – Farmers: Best for Local Agents
Pros
- Personalized Service for Budget-Friendly Policies: Farmers help drivers in Wisconsin customize their policies to fit their needs.
- Diverse Add-Ons Without Breaking the Bank: This feature offers extra protection, which helps Wisconsin drivers save money, as stated in our Farmers auto insurance review.
- New Car Replacement: This helps drivers in Wisconsin avoid large amounts if their vehicle is totaled.
Cons
- Higher Premiums Than Some Competitors: This feature is not always the most budget-friendly option for drivers in Wisconsin.
- Limited Digital Features: Farmers does not have the quickest online tool for Wisconsin policyholders.
#9 – Allstate: Best for Add-on Coverages
Pros
- More Optional Coverage for Added Savings: Allstate provides features that help drivers in Wisconsin prevent future rate increases.
- Safe-Driving Program offers Discounts: Allstate rewards good driving behavior of drivers in Wisconsin with cheaper rates, as stated in our Allstate auto insurance review.
- Reliable Claims Service: Allstate is A+ rated, making it reliable for payouts for drivers in Wisconsin.
Cons
- Higher Base Rates: Drivers in Wisconsin may look for better and cheaper policies with other providers.
- Discounts May Not Apply to Everyone: Drivers in Wisconsin with a history of accidents may pay more expensive rates.
#10 – Nationwide: Best for Usage Discount
Pros
- SmartRide Rewards Low-Mileage Drivers: Nationwide helps drivers in Wisconsin who drive less to pay lower insurance rates.
- Vanishing Deductible Lowers Costs: This feature helps reduce the amount of Wisconsin policyholders need to pay for their claims.
- Well-Rated for Customer Support: According to our Nationwide auto insurance review, this feature provides reliable assistance for drivers in Wisconsin to avoid high rates.
Cons
- Fewer Local Agents Available: Drivers in Wisconsin seeking face-to-face assistance may need to look for other insurers.
- Base Rates are Higher Than Competitors: Rates may be more expensive without the discounts offered to Wisconsin drivers.
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Discounts and Cost of Car Insurance in Wisconsin
We’ve compiled all the details on Wisconsin’s numerous auto insurance providers and state laws to help you find the coverage you need at the rates you deserve with transparent, straightforward information.
Wisconsin Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $43 | $123 |
| $23 | $63 |
| $38 | $109 |
| $22 | $62 |
| $30 | $84 |
| $80 | $226 |
| $33 | $94 |
| $21 | $58 |
| $26 | $72 |
| $16 | $47 |
It is because we know that finding accurate, reliable information about cheap car insurance rates and companies can be a difficult task. This comprehensive guide about Wisconsin car insurance options will help you find the coverage that fits your car, lifestyle, and budget.
Auto Insurance Discounts From the Top Providers in Wisconsin
| Insurance Company | Available Discount |
|---|---|
| Drivewise, Multi-Policy, Anti-Theft, Good Student, Early Signing, Claims-Free Discounts |
| Smart Start, Multi-Policy, Safe Driver, Defensive Driving, Homeowner Discounts |
| Signal App, Good Student, Multi-Policy, Vehicle Safety, Claims-Free Discounts |
| DriveEasy, Military, Good Student, Multi-Policy, Vehicle Safety, Anti-Theft Discounts |
| RightTrack, New Vehicle, Multi-Policy, Good Student, Claims-Free, Vehicle Safety Discounts |
| SmartRide, Multi-Policy, Defensive Driving, Claims-Free, Paid in Full Discounts |
| Snapshot, Multi-Policy, Homeowner, Good Student, Paid in Full, Claims-Free Discounts |
| Drive Safe & Save, Good Student, Multi-Policy, Defensive Driving, Claims-Free Discounts |
| IntelliDrive, Multi-Policy, Safe Driver, Vehicle Safety, Claims-Free Discounts |
| SafePilot, Military, Good Student, Multi-Policy, Claims-Free, Safe Driver Discounts |
To conveniently assist you, we have provided a table highlighting the auto insurance monthly rates by provider & coverage level and auto insurance discounts from the top providers in Wisconsin. Enter your ZIP code to know the rates in your area.
Factors Impacting the Cost of Car Insurance in Wisconsin
There are a lot of factors to be considered impacting the cost of your car insurance in Wisconsin. One of those factors is the gender. Each state makes its own laws regarding car insurance and demographics.
5 Most Common Auto Insurance Claims in Wisconsin
| Claim Type | Portion of Claims |
|---|---|
| Rear-End Collision | 24% |
| Fender Bender | 21% |
| Single Vehicle Accident | 18% |
| Side-Impact Collision | 16% |
| Theft Claim | 9% |
In Wisconsin, males are charged more for car insurance. The most significant changes can be seen during teenage days. Teenage and young adult drivers pay more for car insurance than older drivers do. Adolescent boys pay the most.
Another factor is your car insurance rates by ZIP code. Location plays a surprisingly significant role when it comes to car insurance rates. The tables below have broken down average car insurance rates by Wisconsin zip codes.
Wisconsin Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Green Bay | 2,200 | 2,000 |
| Kenosha | 1,900 | 1,700 |
| Madison | 3,100 | 2,850 |
| Milwaukee | 5,200 | 4,600 |
| Racine | 1,800 | 1,600 |
You can search for your area’s zip code to see the average rate for your place. Your city can also be a factor impacting how much you pay for your car insurance rates. The residents of Kaukauna, WI, located just east of Appleton, have the lowest rates.
Nearby Kimberly and Combined Locks also top the list for low prices. Sheboygan, on the banks of Lake Michigan, also has low rates. Urban areas in any state tend to have high car insurance rates. Milwaukee and the surrounding communities have rates almost double those near Appleton.
Read more: Factors that Affect your Car Insurance Premium
Auto Insurance Coverage Options in Wisconsin
Drivers in the state of Wisconsin are required to carry car insurance. Wisconsin operates like a traditional “fault” car accident state. This means that the person at fault for causing a car accident is also responsible for any harm from the crash.
Wisconsin Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | A- | Wisconsin has relatively low auto theft statistics |
| Traffic Density | B+ | Low-to-moderate congestion in most urban areas |
| Weather-Related Risk | B | Snow and icy conditions increase winter claims |
| Average Claim Size | B | Claims are moderate, repair costs fairly average |
| Uninsured Drivers Rate | C | Around 14% of drivers are uninsured, slightly above national average |
The at-fault driver’s liability insurance policy will absorb these financial losses up to the limits of the policy. The owner of a motor vehicle in Wisconsin is required to carry liability insurance coverage on his or her vehicle.
In some rare cases, a person can carry another form of financial security, such as a surety bond or certificate of self-insurance. Drivers must carry minimum liability coverage of $25,000 for one person’s injury or death, $50,000 for total injuries or deaths per accident, and $10,000 for property damage per accident.
This coverage pays the costs, including medical bills and property damage bills, of drivers, passengers, and pedestrians whose bodies are injured or vehicles are damaged in an accident you cause, up to the coverage limits.
Higher coverage limits can help protect you from paying out-of-pocket for damages and injuries. To deal with the problem, the state requires that all licensed motorists carry uninsured motorist coverage of $25,000 per person/$50,000 per accident.
Wisconsin Report Card: Auto Insurance Discounts
| Insurance Company | Anti-Theft | Good Student | Low Mileage | Multi-Policy | Safe Driver |
|---|---|---|---|---|---|
| 10% | 22% | 30% | 18% | 18% |
| 25% | 20% | 20% | 25% | 18% |
| 10% | 15% | 10% | 20% | 20% |
| 25% | 15% | 30% | 20% | 15% |
| 35% | 12% | 30% | 25% | 20% |
| 5% | 18% | 20% | 20% | 12% |
| 25% | 10% | 30% | 12% | 10% |
 | 15% | 35% | 30% | 17% | 20% |
| 15% | 8% | 20% | 13% | 17% |
| 15% | 10% | 20% | 10% | 10% |
If a Wisconsin driver chooses not to carry the above liability coverages, he or she could revoke their license and/or registration and be subject to fines. You now know the basic liability coverage requirements in the state of Wisconsin.
You might, however, want to invest in additional liability coverage. Comprehensive and collision coverages pay to fix your car. These coverages are required in Wisconsin. Property damage liability pays to fix the other person’s car. This is not required in Wisconsin, but you may want to carry it just in case.
Personal Injury Protection (PIP) pays your medical bills. It is required. Bodily injury liability pays the other person’s medical bills. You may want to consider underinsured motorist coverage. This type of coverage is entirely optional in Wisconsin.
Find the cheapest auto insurance coverage option through quote comparison, researching, and reviewing our car insurance guide.
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Uninsured motorist coverage is required. A loss ratio helps you understand whether or not a car insurance provider is financially secure. These are the auto insurance coverage options a driver in Wisconsin can consider when looking for cheap car insurance rates. Let us guide you by entering your ZIP code.
Read more: Auto Insurance Coverage Options
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Frequently Asked Questions
What factors contribute to Wisconsin’s car insurance rates?
Car insurance Wisconsin rates are affected by factors like age, gender, and location, with cheap car insurance in Wisconsin being harder to find for young drivers and those in cities like Milwaukee.
Why is USAA ranked as the top overall pick for auto insurance in Wisconsin?
USAA offers the cheapest car insurance in Wisconsin for military families, while State Farm and Geico provide competitive Wisconsin auto insurance quotes and discounts for all drivers. See more details when you enter your ZIP code.
What are the minimum car insurance requirements in Wisconsin?
To legally drive, WI auto insurance requires a minimum of $25,000 bodily injury, $50,000 per accident, and $10,000 property damage, which affects Wisconsin car insurance rates.
Read more: Minimum Car Insurance Requirements
How do discounts affect the affordability of auto insurance in Wisconsin?
Discounts like accident forgiveness and good student savings lower Wisconsin auto insurance rates, helping drivers find cheap car insurance in Wisconsin.
Why do insurance rates vary significantly by ZIP code in Wisconsin?
Car insurance quotes in Wisconsin vary by ZIP code, with rural areas having lower Wisconsin car insurance rates than urban areas like Milwaukee, where cheap car insurance in Milwaukee, Wisconsin, is harder to secure. Find out the rate in your area by entering your ZIP code.
What are the most common auto insurance claims filed in Wisconsin?
The most common auto insurance Wisconsin claims include accidents, theft, vandalism, and weather damage, which impact the average car insurance cost Wisconsin residents pay.
Read more: How to File an Auto Insurance Claim
What role does uninsured and underinsured motorist coverage play in Wisconsin?
Uninsured motorist coverage is required in Wisconsin auto insurance policies to protect drivers, making it a key factor in the average cost of car insurance in Wisconsin.
How do major insurers differentiate themselves in terms of policy customization?
Auto insurance companies in Wisconsin, including Liberty Mutual and Progressive, offer customized WI car insurance options, helping drivers find cheap auto insurance in Wisconsin. Enter your ZIP code to understand more these providers.
How do insurance companies determine their loss ratios?
Wisconsin auto insurance quotes depend on loss ratios, where a financially stable insurer ensures cheap car insurance in Wisconsin remains available for policyholders.
Read more: Car Insurance Discounts
What are the potential penalties for Wisconsin drivers who fail to meet the state’s minimum auto insurance requirements?
Failing to carry auto insurance in Wisconsin can lead to fines, license suspension, and difficulty obtaining low-income car insurance in Wisconsin or the cheapest car insurance in Wisconsin.