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.

Best car insurance in Wisconsin
Company AM BestJ.D. PowerNAICInsurance.com scoreAvg. Annual Premium
Erie InsuranceA+8440.614.44$1,313
TravelersA++8060.493.86$1,089
NationwideA+8210.643.04
$1,287
GeicoA++8310.912.8$1,195
State FarmA++8370.72.62$2,378
ProgressiveA+8160.652.44$2,128
AllstateA+8220.652.2$2,515
FarmersA8160.82.13$2,139

Data refreshed as of May 2024
Read our full methodology

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.

Cheapest car insurance in Wisconsin
Company State minimum liability50/100/50 liability100/300/100 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
Data refreshed as of May 2024
Read our full methodology

USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

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

Average auto insurance rates in Wisconsin
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
53205 - Milwaukee
For a 30-year-old male
$47 State minimum
$198 Full coverage
$55 Liability only

Most & least expensive ZIP codes for auto insurance in Wisconsin

Most Expensive

Zip CodeCityHighest Rate
53233Milwaukee$208
53225Milwaukee$198
53203Milwaukee$198
53205Milwaukee$198

Least Expensive

Zip CodeCityLowest Rate
54113Combined Locks$116
54956Neenah$116
54915Appleton$117
54914Appleton$117
Data refreshed as of May 2024
Read our full methodology

Wisconsin car insurance requirements

You need car insurance with minimum coverage levels of 25/50/10 in Wisconsin, which costs $357 each year or $30 each month.

Minimum liability insurance requirements for Wisconsin:

  • Bodily injury liability (BI): $25,000 per person and $50,000 per accident
  • Property damage liability (PD): $10,000 per accident

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.

State minimum auto insurance coverage in Wisconsin, WI
Company Liability insurance premiumMonthly 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

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Wisconsin by age

company_name
Cheapest for teens
$3,226/yr
Learn more
company_name
Cheapest for adults
$1,105/yr
Learn more
company_name
Cheapest for seniors
$1,032/yr
Learn more

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.

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 premium rates.

Age group
Teen
Age
16
Table
Graph
Erie Insurance$3,990$333
USAA$4,605$384
Travelers$5,004$417
Nationwide$5,017$418
Geico$6,694$558
West Bend Mutual$7,340$612
State Farm$7,624$635
Progressive$9,859$822
Acuity Insurance$12,004$1,000
Farmers$12,160$1,013
Allstate$17,711$1,476
Yearly premium

USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Wisconsin by driver profile

company_name
Cheapest for at-fault accident
$1,599/yr
Learn more
company_name
Cheapest for DUI
$1,723/yr
Learn more
company_name
Cheapest for speeding ticket
$1,450/yr
Learn more

Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance. In Wisconsin, Travelers is the second cheapest option for drivers with an accident history, with an average rate of $1,599 per year. USAA offers the cheapest auto insurance rates for drivers with a prior accident; however, eligibility is limited to the military community.

Erie Insurance offers the cheapest car insurance for drivers with a speeding ticket, priced at $1,450 per year. USAA offers cheaper rates but has eligibility criteria.

Below are average Wisconsin rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance in Wisconsin for drivers with tickets and accidents
CompanyClean record AccidentSpeeding Ticket
USAA*$984$1,434$1,152
Travelers$1,089$1,599$1,648
Erie Insurance$1,313$1,770$1,450
Nationwide$1,287$2,300$2,237
Geico$1,195$2,398$2,343
State Farm$2,378$2,787$2,583
Farmers$2,139$3,310$3,276
Progressive$2,128$3,723$2,823
Allstate$2,515$4,078$2,896

*USAA offers car insurance only to military members, veterans and their families.

Data refreshed as of May 2024
Read our full methodology

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.

CityAnnual insurance premium
Madison
$1,524
Milwaukee
$2,013
Data refreshed as of May 2024
Read our full 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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