- Best car insurance companies in Wisconsin: Erie Insurance
- Cheapest car insurance companies in Wisconsin: Travelers
- Average cost of car insurance in Wisconsin
- Minimum car insurance requirements in Wisconsin
- Cheapest car insurance companies for minimum liability coverage in Wisconsin
- Cheapest car insurance cost in Wisconsin by age
- Cheapest car insurance companies in Wisconsin by driver profile
- Compare auto insurance rates by city in Wisconsin
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Wisconsin: Erie Insurance
Erie Insurance is the best car insurance company in Wisconsin, based on an analysis by Insurance.com, with an overall rating of 4.44. Travelers, Nationwide, Geico, and State Farm are also 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 | J.D. Power | NAIC | Insurance.com score | Avg. Annual Premium |
|---|---|---|---|---|---|
| Erie Insurance | A+ | 844 | 0.61 | 4.44 | $1,313 |
| Travelers | A++ | 806 | 0.49 | 3.86 | $1,089 |
| Nationwide | A+ | 821 | 0.64 | 3.04 | $1,287 |
| Geico | A++ | 831 | 0.91 | 2.8 | $1,195 |
| State Farm | A++ | 837 | 0.7 | 2.62 | $2,378 |
| Progressive | A+ | 816 | 0.65 | 2.44 | $2,128 |
| Allstate | A+ | 822 | 0.65 | 2.2 | $2,515 |
| Farmers | A | 816 | 0.8 | 2.13 | $2,139 |
Cheapest car insurance companies 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 $1,089 annually or $90 a month. If eligible, USAA provides even lower rates. Geico offers the cheapest liability car insurance in Wisconsin at an average rate of $250 per year, while both USAA and Geico offer state minimum coverage at the same rate of $215 per year.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
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 |
|---|---|---|---|
| USAA* | $215 | $249 | $984 |
| Travelers | $319 | $372 | $1,089 |
| Geico | $215 | $250 | $1,195 |
| Nationwide | $337 | $346 | $1,287 |
| Erie Insurance | $207 | $241 | $1,313 |
| West Bend Mutual | $296 | $320 | $1,373 |
| Acuity Insurance | $314 | $352 | $1,933 |
| Progressive | $371 | $433 | $2,128 |
| Farmers | $566 | $782 | $2,139 |
| State Farm | $438 | $519 | $2,378 |
| Allstate | $747 | $816 | $2,515 |
USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Wisconsin
The average cost of car insurance in Wisconsin is $1,664 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Wisconsin is $365.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Wisconsin
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 53233 | Milwaukee | $208 |
| 53225 | Milwaukee | $198 |
| 53203 | Milwaukee | $198 |
| 53205 | Milwaukee | $198 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 54113 | Combined Locks | $116 |
| 54956 | Neenah | $116 |
| 54915 | Appleton | $117 |
| 54914 | Appleton | $117 |
Minimum car insurance requirements in Wisconsin
You need car insurance with minimum coverage levels of 25/50/10 in Wisconsin, which costs $357 each year or $30 each month.
Cheapest car insurance companies for minimum liability coverage in Wisconsin
According to Insurance.com, Erie Insurance has the cheapest state minimum liability coverage at $204 per year or $17 each month.
Here are the most affordable car insurance companies for state minimum coverage in Wisconsin.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Erie Insurance | $204 | $17 |
| Geico | $209 | $17 |
| USAA* | $213 | $18 |
| West Bend Mutual | $292 | $24 |
| Acuity Insurance | $305 | $25 |
| Travelers | $324 | $27 |
| Nationwide | $329 | $27 |
| Progressive | $362 | $30 |
| State Farm | $444 | $37 |
| Farmers | $524 | $44 |
| Allstate | $755 | $63 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Wisconsin by age
In Wisconsin, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of driving experience.
Erie Insurance offers the cheapest car insurance for teen drivers in Wisconsin at $3,226 per year for a full coverage policy. You can get cheaper full coverage with USAA, provided you are eligible.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Wisconsin, Travelers offers the cheapest full coverage car insurance for adult and senior drivers at $1,105 per year and $1,032 per year, respectively. USAA offers cheaper rates if you are eligible.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | USAA* | $3,059 |
| Teens (16-19) | Erie Insurance | $3,226 |
| Teens (16-19) | Travelers | $3,692 |
| Teens (16-19) | Nationwide | $4,479 |
| Teens (16-19) | Geico | $4,681 |
| Teens (16-19) | West Bend Mutual | $4,795 |
| Teens (16-19) | State Farm | $6,424 |
| Teens (16-19) | Progressive | $7,800 |
| Teens (16-19) | Allstate | $7,952 |
| Teens (16-19) | Farmers | $8,338 |
| Teens (16-19) | Acuity Insurance | $9,659 |
| Young Adults (20-24) | USAA* | $1,523 |
| Young Adults (20-24) | Travelers | $1,854 |
| Young Adults (20-24) | Geico | $1,901 |
| Young Adults (20-24) | Erie Insurance | $2,125 |
| Young Adults (20-24) | Nationwide | $2,156 |
| Young Adults (20-24) | West Bend Mutual | $2,583 |
| Young Adults (20-24) | Acuity Insurance | $3,118 |
| Young Adults (20-24) | Progressive | $3,367 |
| Young Adults (20-24) | Farmers | $3,400 |
| Young Adults (20-24) | Allstate | $3,608 |
| Young Adults (20-24) | State Farm | $3,804 |
| Adults (25-60) | USAA* | $999 |
| Adults (25-60) | Travelers | $1,105 |
| Adults (25-60) | Geico | $1,184 |
| Adults (25-60) | Nationwide | $1,262 |
| Adults (25-60) | Erie Insurance | $1,333 |
| Adults (25-60) | West Bend Mutual | $1,370 |
| Adults (25-60) | Acuity Insurance | $1,933 |
| Adults (25-60) | Farmers | $2,044 |
| Adults (25-60) | Progressive | $2,160 |
| Adults (25-60) | State Farm | $2,373 |
| Adults (25-60) | Allstate | $2,543 |
| Seniors (65-75) | USAA* | $993 |
| Seniors (65-75) | Travelers | $1,032 |
| Seniors (65-75) | Nationwide | $1,103 |
| Seniors (65-75) | Geico | $1,279 |
| Seniors (65-75) | Erie Insurance | $1,373 |
| Seniors (65-75) | West Bend Mutual | $1,414 |
| Seniors (65-75) | Acuity Insurance | $1,822 |
| Seniors (65-75) | Progressive | $2,068 |
| Seniors (65-75) | Farmers | $2,070 |
| Seniors (65-75) | State Farm | $2,174 |
| Seniors (65-75) | Allstate | $2,449 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Wisconsin by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance. In Wisconsin, USAA offers the cheapest auto insurance rates for drivers with prior accidents; however, eligibility is limited to the military community. American Family is the second cheapest option for drivers with an accident history, with an average rate of $1,412 per year.
State Farm offers the cheapest car insurance for drivers with speeding tickets, priced at $1,351 per year.
Below are average Wisconsin rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding Ticket |
|---|---|---|---|
| USAA* | $793 | $1,312 | $971 |
| Geico | $871 | $1,997 | $1,655 |
| Nationwide | $1,079 | $1,976 | $1,741 |
| Travelers | $1,092 | $1,716 | $1,684 |
| American Family | $1,188 | $1,412 | $1,572 |
| State Farm | $1,243 | $1,459 | $1,351 |
| Automobile Club of MI (AAA) | $1,340 | $3,196 | $3,331 |
| Auto-Owners | $1,341 | $1,682 | $2,711 |
| Erie Insurance | $1,561 | $2,113 | $1,649 |
| Farmers | $1,813 | $2,925 | $2,502 |
| Allstate | $2,066 | $3,813 | $2,577 |
| Auto Club Enterprises (AAA) | $2,108 | $5,125 | $5,350 |
| Progressive | $2,230 | $4,342 | $3,182 |
| Kemper Insurance | $3,312 | $5,358 | $4,136 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Wisconsin
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Wisconsin.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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