- Best car insurance companies in Wisconsin: Nationwide
- Cheapest car insurance company in Wisconsin: Travelers
- How much is car insurance in Wisconsin?
- Wisconsin car insurance requirements
- What are the cheapest car insurance companies for state minimum coverage in Wisconsin?
- Cheapest car insurance cost in Wisconsin for teens, adults and seniors
- Cheapest car insurance companies in Wisconsin for drivers with tickets and accidents
- Compare auto insurance rates by city in Wisconsin
- Car insurance premium trends in Wisconsin
- Methodology
- Compare Wisconsin car insurance rates with other states
Best car insurance companies in Wisconsin: Nationwide
Nationwide is the best car insurance company in Wisconsin, based on our analysis, with an overall rating of 4.46. Erie Insurance, GEICO and Travelers are also among the top car insurance companies in Wisconsin.
Below is a full list of the top Wisconsin insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Nationwide | A | 688 | 0.63 | $1,287 | 4.46 |
| Erie Insurance | A+ | 710 | 0.89 | $1,313 | 4.44 |
| GEICO | A++ | 641 | 0.69 | $1,195 | 4.36 |
| Travelers | A++ | 606 | 0.52 | $1,089 | 4.36 |
| Progressive | A+ | 648 | 0.71 | $2,128 | 3.64 |
| State Farm | A++ | 665 | 0.79 | $2,378 | 3.59 |
| Allstate | A+ | 652 | 1.1 | $2,515 | 3.06 |
| Farmers | A | 588 | 0.86 | $2,139 | 3.05 |
| USAA | A++ | 726 | 1.18 | $984 | 4.5 |
Cheapest car insurance company in Wisconsin: Travelers
Based on a rate analysis by Insurance.com, Travelers offers the cheapest full coverage car insurance in Wisconsin, with average rates of $1,284 annually or $107 a month.
- If you're eligible, USAA provides even lower rates.
- GEICO offers the cheapest liability car insurance in Wisconsin at an average rate of $256 per year
- GEICO offer state minimum coverage at the rate of $205 per year, the cheapest options
You'll find the best deal on auto insurance for your needs when you get quotes from several different insurers and compare their rates. Average rates are helpful, but your cost will differ.
We have gathered price quotes from all the major insurance providers in Wisconsin and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $344 | $396 | $1,284 |
| GEICO | $205 | $256 | $1,376 |
| Nationwide | $572 | $601 | $1,825 |
| West Bend Insurance Company | $371 | $402 | $1,844 |
| Erie Insurance | $225 | $261 | $1,951 |
| Acuity Insurance | $331 | $401 | $2,464 |
| Farmers | $600 | $820 | $2,664 |
| Allstate | $778 | $846 | $2,923 |
| Progressive | $614 | $767 | $3,563 |
| USAA | $225 | $261 | $1,176 |
USAA offers car insurance only to military members, veterans and their families.
How much is car insurance in Wisconsin?
The average cost of car insurance in Wisconsin is $2,026 a year for a full coverage policy with a coverage level of 100/300/100 and $500 deductibles.
For the state minimum coverage, the average annual cost in Wisconsin is $407.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Wisconsin
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Milwaukee | $943 | $79 |
| Wauwatosa | $878 | $73 |
| West Allis | $868 | $72 |
| Whitefish Bay | $864 | $72 |
| St. Francis | $849 | $71 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Athens | $484 | $40 |
| Grand View | $484 | $40 |
| La Pointe | $485 | $40 |
| Bayfield | $485 | $40 |
| Ashland | $485 | $40 |
The Wisconsin Office of the Commissioner of Insurance says...
Your insurer may charge an extra fee, a surchargeAn increase in your auto insurance premium due to an at-fault accident or a moving violation. Learn more about how a surcharge affects your auto insurance premiums., if you are involved in a chargeable accident or were ticketed for a traffic violation. Surcharges must be applied uniformly and are required to be filed with OCI. However, OCI plays no role in your insurance company's decision to raise your premiums.
- The Wisconsin Office of the Commissioner of InsuranceWisconsin car insurance requirements
You need car insurance with minimum coverage levels of 25/50/10 in Wisconsin, which costs $407 yearly or $34 monthly.
The minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Wisconsin are:
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $10,000 per accident
What are the cheapest car insurance companies for state minimum coverage in Wisconsin?
GEICO has the cheapest state minimum liability coverage at $256 per year or $21 monthly.
Compare rates from major insurance companies for state minimum coverage in Wisconsin below.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $256 | $21 |
| Erie Insurance | $261 | $22 |
| Acuity Insurance | $401 | $33 |
| Travelers | $396 | $33 |
| West Bend Insurance Company | $402 | $34 |
| Nationwide | $601 | $50 |
| Progressive | $767 | $64 |
| Farmers | $820 | $68 |
| Allstate | $846 | $71 |
| USAA | $261 | $22 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Wisconsin for teens, adults and seniors
Erie Insurance offers the cheapest car insurance for a 16-year-old driver in Wisconsin at $5,967 per year.
In Wisconsin, Travelers offers the cheapest car insurance for a 25-year-old driver at $1,516 per year. Travelers offers the cheapest car insurance for a 65-year-old driver at $1,140 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates.
| USAA | $5,524 | $460 |
| Erie Insurance | $5,967 | $497 |
| Travelers | $6,077 | $506 |
| Nationwide | $6,417 | $535 |
| West Bend Insurance Company | $7,196 | $600 |
| GEICO | $7,546 | $629 |
| Acuity Insurance | $15,339 | $1,278 |
| Farmers | $15,825 | $1,319 |
| Allstate | $21,865 | $1,822 |
| Progressive | $22,110 | $1,842 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Wisconsin for drivers with tickets and accidents
In Wisconsin, Travelers is the cheapest option for drivers with an accident history, with an average rate of $1,885 per year.
- USAA offers cheaper auto insurance rates for drivers with an accident; however, eligibility is limited to military families
- Travelers offers the cheapest car insurance for drivers with a speeding ticket, priced at $1,944 per year, although again USAA is cheaper
Below are average Wisconsin rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,284 | $1,885 | $1,944 |
| Erie Insurance | $1,951 | $2,630 | $2,154 |
| GEICO | $1,376 | $2,760 | $2,697 |
| Nationwide | $1,825 | $3,263 | $3,172 |
| Allstate | $2,923 | $4,739 | $3,365 |
| Farmers | $2,664 | $4,122 | $4,079 |
| Progressive | $3,563 | $6,233 | $4,726 |
| USAA | $1,176 | $1,713 | $1,376 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Wisconsin
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Wisconsin will impact what you pay. Below, we've gathered Wisconsin car insurance rates by city for comparison.
Car insurance premium trends in Wisconsin
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Wisconsin to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Wisconsin car insurance rates with other states
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