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Geico offers the cheapest car insurance rates in Wisconsin for full coverage, at $749 annually, or $62 per month. Whereas Progressive is rated as the best car insurance company in Wisconsin, based on Insurance.com's analysis.

There are a lot of different car insurance companies in Wisconsin, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?

To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.

KEY TAKEAWAYS
  • Progressive offers the best car insurance rates in Wisconsin among the companies analyzed by Insurance.com.
  • In Wisconsin, Geico provides the cheapest car insurance at $749 per year.
  • Car insurance rates differ with various driving profiles. Geico offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in Wisconsin. The insurance premium is $2,795 per year.

Best car insurance companies in Wisconsin

Progressive is the best car insurance company in Wisconsin with a 3.1 auto star rating, highest among the companies surveyed.

Experts at Insurance.com have analyzed the companies and compiled data from across Wisconsin to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in Wisconsin.

CompanyAuto star ratings
Allstate4.5
American Family4.2
The Auto Club Group (ACG) - AAA4.1
Travelers3.9
Progressive3.7
USAA3.7
The General3.5
Geico3.5
Erie3.5
State Farm3.5

Cheapest car insurance companies in Wisconsin

Geico is the cheapest car insurance company in Wisconsin that offers full coverage car insurance at an average rate of $749 annually or $62 a month.

CompanyAverage annual premiumAverage monthly premium
Geico$749$62
USAA$771$64
Nationwide$802$67
Travelers$970$81
State Farm$1,011$84
American Family$1,112$93
Auto-Owners$1,281$107
Erie Insurance$1,292$108
Farmers$1,463$122
Allstate$1,633$136
Automobile Club MI (AAA)$1,755$146
Progressive$1,999$167
Kemper Insurance$2,392$199

Cheapest car insurance for teens in Wisconsin

USAA offers the cheapest car insurance for teens in Wisconsin at about $2,496 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.

Find below average annual premium of cheapest auto insurance companies in Wisconsin for teens.

CompanyAverage annual premium
USAA$2,496
Geico$3,008
American Family$3,023
State Farm$3,092
Nationwide$3,266
Erie Insurance$3,466
Auto-Owners$3,491
Travelers$3,673
Allstate$5,698
Farmers$6,457
Automobile Club MI (AAA)$7,564
Kemper Insurance$8,414
Progressive$8,995

Cheapest car insurance for young drivers in Wisconsin

Geico is the cheapest car insurance company for young drivers in Wisconsin. Its average annual premium is $1,201 annually or $100 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.

CompanyAverage annual premium
Geico$1,201
USAA$1,239
Nationwide$1,493
American Family$1,646
Travelers$1,723
State Farm$1,787
Auto-Owners$2,183
Erie Insurance$2,186
Allstate$2,213
Farmers$2,551
Progressive$3,355
Automobile Club MI (AAA)$3,553
Kemper Insurance$4,295

Cheapest car insurance for adults in Wisconsin

Geico offers the cheapest car insurance for adults in Wisconsin for a full coverage policy with an average annual premium of $756 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.

CompanyAverage annual premium
Geico$756
USAA$800
Nationwide$821
Travelers$1,004
State Farm$1,036
American Family$1,125
Auto-Owners$1,316
Erie Insurance$1,336
Farmers$1,463
Allstate$1,702
Automobile Club MI (AAA)$1,825
Progressive$2,068
Kemper Insurance$2,420

Cheapest car insurance for seniors in Wisconsin

Nationwide is the cheapest car insurance company for seniors in Wisconsin. Its average annual premium is $751 a year or about $63 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.

CompanyAverage annual premium
Nationwide$751
USAA$770
Geico$807
State Farm$930
Travelers$955
American Family$1,061
Auto-Owners$1,138
Erie Insurance$1,383
Farmers$1,441
Allstate$1,565
Automobile Club MI (AAA)$1,667
Progressive$1,846
Kemper Insurance$2,126

Cheapest car insurance rates in Wisconsin by driving record

Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.

The best way to find affordable coverage in Wisconsin is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in Wisconsin.

Cheapest auto insurance for drivers with poor credit: Geico

Geico is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to Wisconsin drivers at an average of $3,182 a year.

Compare average annual premium of cheapest car insurance companies in Wisconsin for drivers with poor credit.

CompanyAverage annual premium
Geico$1,318
USAA$1,488
Nationwide$1,523
Travelers$1,841
American Family$2,046
Farmers$2,751
Automobile Club of MI$3,033
Allstate$3,390
Erie$3,573
Progressive$3,745
Kemper$4,231
Auto Club Entreprises$4,715
Auto-Owners$5,031
State Farm$6,249

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA offers the cheapest car insurance for drivers with a speeding ticket at about $2,210 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.

CompanyAverage annual premium
USAA$930
State Farm$1,351
Nationwide$1,458
Geico$1,526
Erie$1,530
American Family$1,574
Travelers$1,655
Farmers$2,341
Auto-Owners$2,413
Allstate$2,548
Automobile Club of MI$2,902
Progressive$3,022
Kemper$4,305
Auto Club Entreprises$4,639

Cheapest auto insurance after an at-fault accident: USAA

USAA has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $2,429 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
USAA$1,151
American Family$1,209
State Farm$1,459
Auto-Owners$1,569
Travelers$1,618
Geico$1,697
Nationwide$1,813
Erie$1,872
Farmers$2,534
Automobile Club of MI$2,806
Allstate$3,525
Progressive$3,834
Auto Club Entreprises$4,483
Kemper$5,349

Cheapest auto insurance after a DUI: State Farm

The cheapest auto insurance company for drivers after a DUI is State Farm. It offers auto insurance at about $2,795 a year or $233 a month.

If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.

CompanyAverage annual premium
State Farm$1,351
USAA$1,449
American Family$1,574
Travelers$1,774
Geico$2,174
Erie$2,212
Nationwide$2,338
Farmers$2,429
Auto-Owners$2,532
Progressive$2,555
Allstate$2,630
Kemper$3,714
Automobile Club of MI$6,681
Auto Club Entreprises$10,992

Average cost of car insurance in Wisconsin

The average annual cost of car insurance in Wisconsin for a full coverage policy is $1,325. For full coverage, the recommended coverage limits for Wisconsin drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

For the state minimum coverage, the average annual cost in Wisconsin is $324.

State minimum average annual rateFull coverage average annual rate
$364$1,211

Compare car insurance by city in Wisconsin

Car Insurance inMadison, WI