How to find the cheapest car insurance quotes in Wisconsin
Wisconsin does not have a single car insurance provider that consistently offers the cheapest rates for everyone.
Savvy shoppers will find that one of the best ways to find cheap auto insurance in Wisconsin is to shop around and compare quotes from multiple providers. Check out quotes Jerry users have found below.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Progressive | $153 | Jack, 39, Superior, WI | Kia Rio Lx | State Minimum | Yes |
| Progressive | $242 | Jordan, 39, Pleasant Prairie, WI | Hyundai Tucson Limited | 100/300 | Yes |
| Progressive | $149 | Arthur, 23, Dodgeville, WI | Toyota Camry L | State Minimum | Yes |
| Bristol West | $88 | Randall, 51, Kenosha, WI | Lexus Gs 300 | State Minimum | No |
| Progressive | $82 | Jon, 59, Racine, WI | Volkswagen Passat R-Line | State Minimum | Yes |
Cheapest car insurance companies in Wisconsin
Jerry wanted to know what car insurance companies offered the cheapest rates in Wisconsin, so we conducted the largest insurance shopping survey in the nation, analyzing information from more than 15,000 policyholders over 18 months.
What we learned: No single car insurance company has the cheapest rates for everyone. This is mainly because car insurance rates are determined based on various factors, many of which are highly specific to individuals.
While saving on car insurance is important, the best car insurance companies will also offer excellent customer service.
Check out what Wisconsin drivers have shared about their experiences with providers they found through Jerry.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Dairyland | October 30, 2024 | 5 | “Dairyland has treated me right. I was trying to get a balance with all my bills. Thankfully Dairyland gave me an auto…(read more)“ -Elijah |
| Madison Mutual | October 27, 2024 | 4 | “Country Financial is very laid back and always there when you need them. “ -Jack |
| Bristol West | October 27, 2024 | 4 | “For the vehicle I drive…can’t complain.” -Warren |
| Founders | October 25, 2024 | 5 | “Founders has been very easy to work with. Very decent price for full coverage at 18. “ -Roxie |
| Allstate | October 20, 2024 | 4 | “Not bad a little more then I want to pay but it’s ok” -Christine |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
As a licensed insurance agency, Jerry allows you to quickly compare car insurance from the nation’s top providers, all in one place. If you find the right policy at the right price, we can even help you make the switch and cancel your old policy.
Minimum liability and full coverage
Mandated by Wisconsin driving laws, drivers must carry minimum liability coverage on their car insurance policy. For many drivers, it’s often a good idea to opt for full coverage and other coverage types as well.
Cheapest minimum liability coverage car insurance quotes in Wisconsin
At minimum, Wisconsin drivers must have the following liability coverage limits:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $10,000 per accident1
You might see this liability coverage referred to as 25/50/10.
Also required: At least $25,000/$50,000 in uninsured motorist coverage for bodily injury.2
Here’s a look at rates Wisconsin drivers have found for minimum liability coverage with Jerry’s help:
Do you need more than minimum coverage in Wisconsin?
In most cases, Wisconsin drivers are often better off choosing higher car insurance limits than Wisconsin’s legally required minimums.
This is because severe accidents can quickly exceed these limits. After an at-fault accident, you’d need to find a way to pay for any injuries or property damages your insurance doesn’t cover.
For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
Cheapest full coverage car insurance quotes in Wisconsin
If you want protection for your vehicle, you’ll want to add full coverage to your policy.
Full coverage generally refers to both comprehensive and collision coverage:
- Collision insurance: Covers vehicle repairs or replacement costs after an accident.
- Comprehensive insurance: Covers vehicle repairs or replacement costs after damages caused by other types of incidents, including vandalism, theft, severe weather, or hitting an animal.
If you have a car loan: It’s common for lenders to require that you keep full coverage on your car insurance policy until your loan is paid off.
Here are rates Wisconsin drivers have found for full coverage car insurance.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Progressive | $153 | Jack, 39, Superior, WI | Kia Rio Lx |
| 100/300 | Yes | Progressive | $242 | Jordan, 39, Pleasant Prairie, WI | Hyundai Tucson Limited |
| State Minimum | Yes | Progressive | $149 | Arthur, 23, Dodgeville, WI | Toyota Camry L |
| State Minimum | Yes | Progressive | $82 | Jon, 59, Racine, WI | Volkswagen Passat R-Line |
| State Minimum | Yes | Bristol West | $236 | Kyle, 32, Milwaukee, WI | Ford Explorer Police Inte |
Average rates for state minimum liability coverage and full coverage
The data from Jerry’s study shows that in Wisconsin, the average annual cost for full coverage insurance is $2,996 while the cost of minimum car insurance is $2,346.
Of course, averages can be helpful when trying to predict insurance costs, but your actual car insurance rate will depend on a variety of factors, including:
- The type of car you drive
- Where your keep your car
- Your driving record
- Your age, gender, and other demographics
Wisconsin car insurance: Additional coverages
Beyond what’s legally required, there are plenty of optional car insurance coverage types that you can consider in Wisconsin, including:
- Medical payments coverage
- Comprehensive coverage
- Collision coverage
- Towing and labor coverage
- Rental reimbursement coverage
For car loans: Consider gap insurance. Vehicle values can depreciate quickly, especially during the first several years of ownership. If your car is stolen or totaled and its value has fallen below your remaining car loan balance, gap insurance can help you with the difference.
If you borrow someone’s vehicle but don’t own your own: You might want to consider a non-owner car insurance policy. This will give you the mandatory car insurance coverage that’s legally required in Wisconsin, and you can often add optional coverages to your policy as well. That said, full coverage won’t be available, since the vehicle owner’s policy would be responsible for this.
Car insurance premium by rating factors
Car insurance companies in Wisconsin will review a wide range of factors making up your driver profile when calculating your rate, such as:
- What kind of car you drive: Full coverage is usually more expensive for luxury cars, sports cars, or high-value vehicles.
- What you use your vehicle for: A car insurance policy for a vehicle you drive to work daily will likely cost more than one for a car that’s only driven occasionally.
- Your driving record: Car insurance is typically more expensive for drivers with a history of accidents and/or violations.
- Where you keep your car: Insurer’s will evaluate your area’s population density, accident rates, weather trends, and crime rates. If you’re able to keep your vehicle in a secure garage, you can often see a lower rate.
Cheapest Wisconsin car Insurance after a driving violation
Your driving record will contain some of the most important information when it comes to determining your Wisconsin car insurance costs. Following the rules of the road will make it that much easier to find a cheap premium.
Cheapest car insurance for Wisconsin drivers with a speeding ticket
Any violations on your driving record, including speeding tickets, can affect your Wisconsin car insurance costs. That said, a ticket for driving 6 mph over the speed limit may not have the same effect as one for driving 20 mph over the speed limit.
Find out what rates other Wisconsin drivers have found—even with varying degrees of speeding tickets on their records.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Progressive | $153 | Jack, 39, Superior, WI | Kia Rio Lx | State Minimum | Yes |
| Speeding 16-20 | Progressive | $149 | Arthur, 23, Dodgeville, WI | Toyota Camry L | State Minimum | Yes |
| Speeding Violation-Major | Bristol West | $101 | Clyde, 40, Fitchburg, WI | Honda Hr-V Ex | State Minimum | No |
| Speeding Violation-Minor | National General | $89 | Gordon, 28, Milwaukee, WI | Volkswagen Jetta Sport | State Minimum | No |
| Speeding Violation-Minor | Progressive | $31 | Noah, 37, Kenosha, WI | Ford F-150 | State Minimum | Yes |
Cheapest auto insurance in Wisconsin after a DUI
A DUI conviction can dramatically increase your car insurance costs, but shopping around for new quotes could help you find a more affordable coverage option.
Here are some rates Wisconsin drivers have found with Jerry after a DUI violation:
Wisconsin SR-22 insurance
High-risk drivers may be required to file an SR-22 in Wisconsin for a certain period of time. You might also be subject to SR-22 requirements to reinstate a suspended or revoked driver’s license.
Although not all providers will offer policies to high-risk drivers, others specialize in doing so. Shopping around will give you a range of options to consider and help you find the most affordable policy.
Cheapest Wisconsin auto Insurance after an at-fault accident
After an accident your car insurance premium could increase significantly—especially if you were found at fault. Shopping for new rates could help you find a cheaper premium.
Check out rates from Jerry users involved in an accident:
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $149 | Arthur, 23, Dodgeville, WI | Toyota Camry L | State Minimum | Yes |
| Not At Fault | Bristol West | $236 | Kyle, 32, Milwaukee, WI | Ford Explorer Police Inte | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $101 | Clyde, 40, Fitchburg, WI | Honda Hr-V Ex | State Minimum | No |
| Not At Fault | Progressive | $282 | Ronald, 27, Milwaukee, WI | Ford Escape Se | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $166 | Eliza, 37, Racine, WI | Ford Taurus Sel | State Minimum | No |
FAQ
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Is Wisconsin an at-fault state?
Cheapest auto insurance after other violations in Wisconsin
Having violations on your driving record will likely impact your car insurance rates. Just how much might depend on the severity of the violation.
From reckless driving to improper passing, these are rates other Wisconsin drivers found after various types of violations.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Operating Vehicle without Permission | Progressive | $146 | Russell, 58, Whitehall, WI | Jeep Renegade Trailhawk | 50/100 | Yes |
| Suspension | Progressive | $743 | John, 35, Manitowoc, WI | Chevrolet Impala Lt | State Minimum | Yes |
| Failure to Obey Signal | Progressive | $32 | Aiden, 27, Verona, WI | Ford Maverick Xlt | State Minimum | Yes |
| Driving Left of Center | Progressive | $282 | Ronald, 27, Milwaukee, WI | Ford Escape Se | State Minimum | Yes |
| Other Minor | Bristol West | $166 | Eliza, 37, Racine, WI | Ford Taurus Sel | State Minimum | No |
Cheapest Wisconsin auto insurance based on insurance history
Your auto insurance history will also affect your Wisconsin car insurance costs.
Car insurance companies like to see policyholders maintain consistent coverage over a given period of time, and those who do will often secure lower rates.
On the other hand, having past car insurance coverage lapses could leave you paying more for a policy.
If you’re shopping for car insurance for the first time, you can start out by selecting a policy that offers the coverage you need while remaining within your budget.
Because making on-time payments is crucial for maintaining your coverage, Jerry can send customers payment reminders and late payment warnings.
Currently insured or not, here are examples of rates other Wisconsin drivers recently found with Jerry.
Cheapest car insurance for drivers with poor credit
Unfortunately, drivers who have poor credit are considered statistically more likely to file insurance claims, which can leave them with higher rates.
Taking the steps to build good credit can help you save on car insurance in the long run. In the meantime, shopping around for quotes could help you find a more affordable rate for where your credit currently is.
Take a look at what Wisconsin drivers with varying credit scores are paying for their car insurance.
|
Credit Score
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Progressive | $153 | Jack, 39, Superior, WI | Kia Rio Lx | State Minimum | Yes |
| 660-750 | Progressive | $242 | Jordan, 39, Pleasant Prairie, WI | Hyundai Tucson Limited | 100/300 | Yes |
| 550-659 | Progressive | $149 | Arthur, 23, Dodgeville, WI | Toyota Camry L | State Minimum | Yes |
| <550 | Progressive | $130 | Troy, 43, Pleasant Prairie, WI | Chrysler 200 Limited | State Minimum | No |
| <550 | Bristol West | $236 | Kyle, 32, Milwaukee, WI | Ford Explorer Police Inte | State Minimum | Yes |
Cheapest Wisconsin car insurance by age
Your age has plenty of influence on your Wisconsin car insurance rate—and young drivers usually see the most expensive premiums.
Following the teen years, Wisconsin drivers can generally expect their car insurance rates to gradually decrease over time. Then, costs will gradually start to increase again around age 75—but averages still usually remain cheaper than those seen with teen drivers.
Cheapest Wisconsin car insurance for young drivers
Teen drivers between the ages of 16 and 19 can typically expect to pay the most for car insurance.
This is largely because young and new drivers have a significantly higher risk of accidents.
That risk makes it a good idea to consider full coverage—especially if the vehicle you or your teen is using is newer or higher in value.
Cheapest Wisconsin car insurance for senior drivers
Senior drivers face an increased risk of accidents, as well as experiencing severe injuries after an accident—which can cause car insurance costs to rise around your mid-seventies.
But you could still find a better rate by seeking out new car insurance quotes.
Cheapest car insurance for popular cars
The kind of car you drive will also affect your insurance costs. Auto insurance companies will look at factors like your vehicle’s age, theft risk, safety, and possible repair and replacement costs when calculating the cost of your premium.
Popular vehicle models in Wisconsin include:
- Ford F-150
- Honda Civic
- Chevrolet Silverado
- RAM 1500
- Toyota RAV4
- Chevrolet Equinox
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Civic Si | Gainsco | $112 | Harvey, 42, Milwaukee, WI | State Minimum | Yes |
| Chevrolet Equinox L | Progressive | $94 | Charlotte, 41, Milwaukee, WI | State Minimum | No |
| Ford F-150 | Progressive | $31 | Noah, 37, Kenosha, WI | State Minimum | Yes |
| Honda Civic Sport | Progressive | $387 | Georgia, 19, Pleasant Prairie, WI | State Minimum | Yes |
| Chevrolet Equinox Ls | Gainsco | $33 | Henrietta, 62, Bangor, WI | State Minimum | No |
Car insurance cost for new vs. old car
New vehicles usually cost more to insure than their older counterparts.
In Wisconsin, you’ll pay less for full coverage for a car more than 10 years old than you will for insuring a car less than four years old. Take a look at some examples in the table below.
Wisconsin cheapest car insurance by location
Where you keep your car will have a big impact on your car insurance premium since it affects your vehicle’s exposure to risks. Drivers in Milwaukee, Green Bay, and Erie could very well see different rates.
Car insurance companies will evaluate your city’s:
- Population density
- Crime rates
- Accident rates
- Weather trends
Even within the same city, different zip codes may see different average insurance costs.
Here’s what various drivers pay for car insurance across Wisconsin.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Superior | Jack | Progressive | $153 | Kia Rio Lx | State Minimum | Yes |
| Pleasant Prairie | Jordan | Progressive | $242 | Hyundai Tucson Limited | 100/300 | Yes |
| Dodgeville | Arthur | Progressive | $149 | Toyota Camry L | State Minimum | Yes |
| Kenosha | Randall | Bristol West | $88 | Lexus Gs 300 | State Minimum | No |
| Racine | Jon | Progressive | $82 | Volkswagen Passat R-Line | State Minimum | Yes |
How to lower car insurance costs in Wisconsin
If you’re looking for cheaper car insurance in Wisconsin, take note of these tips from Jerry’s team of licensed insurance agents:
- Shop around and compare multiple car insurance quotes.
- Bundle your car insurance with homeowners insurance or renters insurance.
- Take advantage of your provider’s car insurance discounts—like low mileage discounts, responsible payer discounts, accident-free discounts, or safety feature discounts.
- Raise your deductibles on your comprehensive and collision coverage.
- Strengthen your credit history. A better credit score could lower your car insurance rates.
- Consider dropping collision and comprehensive coverage if your vehicle is older or has a low value.
- Take an approved defensive driving course.
Why car insurance is so expensive in Wisconsin
Not all factors that affect Wisconsin car insurance costs are within your control. The following factors could also make your premium more expensive:
- High population density cities
- Area crime rates
- Uninsured drivers
- Healthcare costs
- Rising vehicle and repair costs
- Severe weather risks
FAQ
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How much is car insurance in Wisconsin?
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What is the average cost of car insurance in Wisconsin?
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What are the cheapest car insurance companies in Wisconsin?
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Does Wisconsin require car insurance?
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What are the car insurance requirements in Wisconsin?
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Do you need insurance to register a car in Wisconsin?
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Can you get car insurance without a license in Wisconsin?
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Do you have to carry proof of insurance in Wisconsin?
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Does Wisconsin require uninsured motorist coverage?
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How long after buying a car do I need insurance in Wisconsin?
Sources:
- https://wisconsindot.gov/pages/dmv/license-drvs/rcd-crsh-rpt/auto-insurance.aspx ↩︎
- https://oci.wi.gov/Documents/Consumers/PI-057.pdf ↩︎
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
