The best car insurance in Wisconsin

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 11, 2021

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The average cost of full coverage car insurance in Wisconsin is $1,062.  Wisconsin drivers enjoy lower rates than the national average, but there are still ways for drivers in the Badger State to save additional money on their car insurance.

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The best way to be sure you’re getting the best rates on car insurance is to compare quotes before you buy. Policygenius can help you see how much you’d pay with top companies so you can be confident you’re choosing the right coverage.

Key Takeaways

  • USAA has the lowest average rates for full coverage in Wisconsin

  • GEICO has the best rates in Wisconsin for drivers with bad credit

  • Wisconsin requires $25,000 person/$50,000 accident in bodily image liability and $10,000 in property damage liability

  • Wisconsin also requires uninsured/underinsured motorist coverage at $25,000 per person/$50,000 per accident

Cheapest car insurance companies in Wisconsin

All insurance companies consider things like your ZIP code, driving history, and age when calculating your rates, but they all have slightly different methods of coming up with costs. Because of this, two companies can look at the same data and offer different rates for the same driver, which makes it important to shop around and compare costs.

Company

Average cost

JD Power Rating

USAA

$680

890

GEICO

$767

871

Integrity Insurance

$795

--

State Farm

$828

881

West Bend Mutual

$877

--

Cheapest car insurance companies by age in Wisconsin

Statistically, young drivers are more likely to speed, text while driving, and be involved in accidents due to their inexperience behind the wheel — and that makes them much more expensive to insure. But rates for young drivers typically fall as they approach 25 and are no longer considered part of the same high-risk category.

Age

Cheapest company

Average cost

16

Auto-Owners Insurance

$2,525

18

USAA

$1,615

21

USAA

$1,002

25

GEICO

$827

30

USAA

$716

35

USAA

$684

45

USAA

$639

55

USAA

$603

Choosing the right car insurance company in Wisconsin

Because every insurance company calculates risk differently, rates can vary between companies, making comparison essential. But it’s important to consider more than just cost — make sure you’re also getting a sufficient amount of coverage, and check out customer service and claims satisfaction ratings before you settle on a policy.

Policygenius can help you understand your options and choose the coverage that’s best for you and your wallet.

Car insurance rates for drivers with driving violations in Wisconsin

While any accident or violation can impact your rate, too many can make it difficult to find affordable insurance altogether. The more serious the violation, the longer it will stay on your record and the more it will negatively impact your rate, so drivers with a recent DUI or an at-fault accident should take extra time to shop around and compare rates.

Violation

USAA

GEICO

Integrity Insurance

State Farm

West Bend Mutual

At-fault Accident

$990

$1,338

$1,153

$971

$1,277

DUI

$1,298

$1,527

$1,006

$908

$1,754

Driving with a suspended license

$1,262

$1,840

$1,201

$908

$2,051

Driving with an open container

$1,032

$1,527

$1,006

$908

$1,754

Driving with expired registration

$723

$884

$1,039

$908

$896

Driving without Lights

$723

$1,107

$898

$908

$1,154

Failure to show documents

$723

$884

$898

$908

$896

Failure to stop at a red light

$842

$1,107

$1,039

$908

$1,154

Cheapest car insurance for drivers with bad credit in Wisconsin

Drivers with bad credit will pay more for car insurance, but your credit score isn’t the only factor that car insurance companies consider. If you’re a safe driver and you take the time to shop around, you should still be able to find affordable coverage, even with a poor credit score.

Company

Rates for drivers with bad credit

GEICO

$1,159

USAA

$1,253

Integrity Insurance

$1,386

SECURA

$1,467

Rural Mutual

$1,564

Car insurance costs in Wisconsin cities

Car insurance rates vary from city to city, and are generally higher in places where there are more people. That’s because more cars on the roads means more chances to get into an accident and file a claim. Here’s how costs stack up in the 10 biggest cities in Wisconsin:

  • Milwaukee: $1,490

  • Madison: $1,005

  • Kenosha: $1,130

  • Green Bay: $894

  • Appleton: $909

  • Racine: $1,128

  • Eau Claire: $971

  • Waukesha: $978

  • Oshkosh: $921

  • La Crosse: $1,007

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Buying car insurance in Wisconsin

Wisconsin requires all drivers to have a minimum amount of liability insurance. The Wisconsin liability requirements are $25,000 per person and $50,000 per accident in body liability insurance and $10,000 in property damage liability coverage. Wisconsin drivers are also required to have uninsured/underinsured motorist coverage.

Wisconsin is an at-fault state. That means that the driver found at-fault for an accident is legally and financially responsible for the damage and injuries resulting from that accident. Wisconsin does also have modified comparative negligence laws, which means each driver in an accident can be attributed a percentage of the fault.

Having more than the minimum levels of liability coverage is a smart way to make sure you are protected in the event of an at-fault accident. And if you cannot afford to repair or replace your vehicle out-of-pocket after an accident, adding  comprehensive and collision insurance is a good idea too.

How to get cheap car insurance in Wisconsin

All car insurance companies offer discounts that can help drivers save money on their premiums. Some of the most common include:

  • Bundling discount

  • Safe driver discount

  • Good student discount

  • Accident-free discount

  • Multi-vehicle discount 

  • Low mileage discount

  • Military discount

If you are not eligible for any discounts, you can still find the cheapest rates by comparing quotes from different insurers before you buy a policy.

Frequently asked questions

How long will an accident or violation impact my insurance rates?

Most accidents and violations are only visible to car insurance companies for three to five years, depending on the company and the severity of the violation. If you maintain a clean driving record after a violation, your rates may go back down after enough time has passed.

Does it matter if an accident was my fault?

In Wisconsin, it does matter who was at fault in an accident. The driver considered to be at fault will be financially responsible for the accident (meaning your insurance company is the one that has to pay out) and your insurance rates will probably increase.

Does gender matter for car insurance?

Most states allow car insurance companies to consider your gender as one of many factors that go into setting rates, although it usually has a very small impact. Your driving history, age and location matter much more.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.