Cheapest Auto Insurance in Wisconsin (2025)

With 5.9 million residents and regular severe winter weather, Wisconsin isn’t necessarily a state you might associate with low auto insurance costs.

But despite potential problems on the road, the overall average cost of auto insurance in Wisconsin is $90 per month, which is significantly cheaper than the national average of $144 per month. Wisconsin’s relatively low vehicle fatality rate per population and per miles driven may play a part in the difference in price.1

Here’s what you need to know about comparing quotes and finding the lowest car insurance rates in Wisconsin.

3 of the cheapest car insurance companies in Wisconsin

The insurer offering the cheapest car insurance rates in Wisconsin won’t be the same for every driver. Insurance companies set your premium rates using a variety of factors, including your driving record, marital status, ZIP code, coverage level, and type of car you drive.

To find the best insurance at the right price, you may want to start your search with State Farm, Erie, and Auto-Owners, since these companies offer some of the lowest average rates in the Badger State.

Best insurer for cheap rates: State Farm

Best insurer for claims: Erie

Best insurer for optional coverages: Auto-Owners

How to get the cheapest car insurance in Wisconsin

Finding the cheapest car insurance in Wisconsin requires some shopping around, since the specific factors that each insurance company uses to set rates may vary. Even if you have a similar driving record, vehicle, and type of coverage as another driver, your location, age, gender, marital status, and credit history could affect how much you pay compared to a similar driver.

But you can use a number of strategies to lower the cost of your car insurance policy, including:

• Drive safely. The cheapest rates are available to people with a clean driving history.

• Bundle insurance products. To get the best deal on insurance coverage, you may want to purchase all your insurance from the same company. Whether you need renters insurance, home insurance, or another insurance product, bundling that insurance with your auto policy can help you lower the cost of car insurance.

• Increase your deductible. Before your car insurance coverage will pay for a claim, you’re responsible for paying the deductible. Increasing your deductible may help you get the cheapest rates, but that doesn’t always mean you’re getting the best deal. Make sure you have enough money to cover the higher deductible in case of a car accident since you’ll have to pay the deductible before your insurance company pays for your property damage.

Low-cost car insurance in Wisconsin

Wisconsin doesn’t have a program to help low-income drivers find affordable car insurance. But if you’re looking to lower your car insurance costs in Wisconsin, you should make sure you’re shopping and comparing quotes every six months from at least three to five companies. Comparing car insurance options allows you to make sure you’re always getting the cheapest deal on your policy.

Cheapest liability-only car insurance quotes in Wisconsin: USAA

Liability-only car insurance is the minimum coverage to drive legally in a state. This kind of coverage includes bodily injury liability and property damage liability coverage. Together, these two types of coverage pay for medical expenses stemming from an accident you caused and to repair or replace the other party’s damaged property. But liability insurance doesn’t pay for your own injuries or vehicle repairs if you’re at fault in an accident.

In Wisconsin, liability insurance costs an average of $62 per month. The following companies offer cheap rates for minimum-coverage car insurance:

Cheapest full-coverage car insurance quotes in Wisconsin: USAA

While the minimum liability insurance to comply with Wisconsin state law may be all you need to drive legally, many drivers may prefer full-coverage car insurance as additional financial protection.

Full-coverage insurance generally includes collision coverage, which pays to repair or replace your vehicle if you cause an accident, and comprehensive coverage, which pays to repair or replace your vehicle if it has damage from anything other than a collision, such as weather, vandalism, animal damage, or theft.

Wisconsin drivers pay a monthly average of $118 for full-coverage insurance. Check out these companies offering cheap full-coverage car insurance:

Car insurance requirements in Wisconsin

Under Wisconsin law, all drivers must carry minimum levels of liability insurance and must provide proof of insurance at traffic stops and after accidents or collisions.

Driving without insurance could result in a $500 fine. If you have insurance but can’t provide proof of it to police during a traffic stop, you may face a $10 fine. The state reserves the most serious fine for people who offer proof of insurance that turns out to be fraudulent — these drivers face a fine of up to $5,000.2

The minimum Wisconsin auto insurance requirements are as follows:

Though the above coverage levels are the minimum state requirement in Wisconsin, you may want to increase your coverage limits for bodily injury and property damage liability. This will ensure that a major collision won’t exhaust your insurance coverage.

It may also be a good idea to consider adding these types of coverage to your auto insurance policy for more financial protection:

Cheapest car insurance companies in WI for drivers with an incident

After an incident — such as a speeding ticket, an at-fault accident, or a DUI — insurers consider these drivers as higher risk than people with a clean driving record. That’s because drivers who’ve already received a traffic citation or caused an accident are statistically more likely to make a claim.

While an incident on your driving history may result in higher insurance rates for a time, affordable options are available while you work to clean up your driving record.

Cheapest car insurance quotes for drivers with a speeding ticket:  USAA

Wisconsin ranks second in the nation for speeding, according to Insurify’s research. Drivers in Milwaukee have especially heavy lead feet, with more than 7,800 speeding tickets issued between January 2023 and April 2024.4 Since drivers who speed are more likely to get into accidents, insurance companies tend to increase rates for drivers with speeding tickets — and they may even drop a driver who is a serial speeder.

In Wisconsin, drivers with a speeding ticket pay an average of $77 per month for liability coverage. Here are some insurers who offer affordable rates to drivers with a speeding ticket.

Cheapest car insurance quotes for drivers with an at-fault accident: USAA

Causing an accident can also increase your insurance costs, since insurers find that drivers who cause one accident are statistically more likely to make future insurance claims.

Wisconsin drivers with an at-fault accident pay $77 per month for liability coverage and $146 per month for full coverage, on average. These insurers offer inexpensive coverage to drivers with an at-fault accident.

Cheapest car insurance quotes for drivers with an OWI: USAA

Driving under the influence, which Wisconsin law refers to as operating while intoxicated (OWI), is a serious traffic offense and may lead to losing your insurance coverage. Someone is injured or killed every two hours in an impaired driving crash in Wisconsin, according to the state’s department of transportation.5

Drivers with an OWI in Wisconsin may have trouble finding insurance they can afford, and some insurers may not cover them at all. Liability insurance costs an average of $75 per month for Wisconsin drivers with a DUI. Full-coverage rates jump to $144 per month.

The insurers in the table below offer affordable coverage to drivers with an OWI in Wisconsin:

Cheapest car insurance quotes for seniors: USAA

For most drivers, the cost of insurance goes down steadily after age 35, with the highest premiums for drivers younger than 25. Young drivers lack experience behind the wheel, and as they gain more experience and expertise on the road, their premiums go down.

But this pattern changes for senior drivers around age 70, as they may start to experience physical or cognitive changes that can affect their driving abilities. Drivers in their 70s may see their premiums go up.

Senior drivers in Wisconsin pay $49 per month for minimum-coverage policies, on average.

The insurers in the table below also offer cheap car insurance for seniors in Wisconsin.

Cheapest car insurance quotes for teens: USAA

Teenagers pay the highest premium rates of any driver because their combined lack of experience and increased level of impulsivity make them more likely to get into a car accident.

Wisconsin teen drivers pay monthly averages of $122 for liability coverage and $233 for full coverage.

Teens can keep their insurance affordable by using these strategies:

• Stay on your parent’s insurance policy. It’ll nearly always be cheaper to stay on a parent’s policy instead of getting your own policy.

• Take a defensive driving course. Many insurers offer discounts for completing a defensive driving course.

• Drive a safe car. Cars with more safety features may unlock additional discounts from your insurer.

• Maintain good grades. Good students can qualify for discounts. 

Teen drivers and their parents may want to check out the following insurers to find cheap car insurance for teens.

Wisconsin car insurance quotes by credit tier

The state of Wisconsin allows insurers to consider your credit history as part of the process of offering coverage and setting your rates. Insurers have determined that drivers with poor credit are more likely to file auto insurance claims than drivers with excellent credit.

This is why the average monthly rates for insurance in Wisconsin vary depending on credit tier. Here are those averages:

Car insurance rates across Wisconsin cities

Where you live significantly affects how much you pay for car insurance. That’s because your city and ZIP code give car insurance companies an indication of your risk of filing a claim due to factors like weather, traffic, and vehicle crime rates. Check out the table below to get an idea of how car insurance quotes in Wisconsin change based on your city.