Geico offers the cheapest auto insurance rates in Wisconsin at about $749 a year or $62 monthly, on average.
Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Wisconsin as well as the cheapest.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to calculate your rates,
Read on to compare Wisconsin insurance rates by company, age, and more.
Key takeaways
- Geico is the best car insurance company in Wisconsin overall, with below-average rates and a low complaint ratio.
- Geico is also Wisconsin's cheapest car insurance company at $749 per year.
- The cheapest car insurance rates for adult and senior drivers in Wisconsin are both found at Geico.
- Average cost of car insurance in Wisconsin
- Best car insurance companies in Wisconsin
- Cheapest car insurance companies 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
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Wisconsin
The average car insurance rate in Wisconsin is $1,325 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 $324.
Best car insurance companies in Wisconsin
Geico is the best car insurance company in Wisconsin, based on a 2023 analysis by Insurance.com, with an overall rating of 4.95. USAA came in second but is only available to military members, veterans, and their families.
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.
Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
---|---|---|---|---|
Geico | A++ | $ 749 | 0.77 | 4.95 |
USAA* | A++ | $ 771 | 0.99 | 4.89 |
Travelers | A++ | $ 970 | 1.03 | 4.71 |
Nationwide | A+ | $ 802 | 0.66 | 4.63 |
Auto-Owners | A++ | $ 1,281 | 0.64 | 4.52 |
State Farm | A++ | $ 1,011 | 0.52 | 4.48 |
Erie Insurance | A+ | $ 1,292 | 0.95 | 4.15 |
American Family | A | $ 1,112 | 0.57 | 4.08 |
Allstate | A+ | $ 1,633 | 0.95 | 3.86 |
Farmers | A | $ 1,463 | 0.77 | 3.74 |
Progressive | A+ | $ 1,999 | 0.73 | 3.59 |
Automobile Club MI (AAA) | A | $ 1,755 | 1.38 | 3.37 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Wisconsin
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. Based on a rate analysis by Insurance.com, Geico is the cheapest auto insurance company in Wisconsin, with average rates of $749 annually or $62 a month, on average, for full coverage.
Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
---|---|---|---|
Geico | $ 171 | $ 191 | $ 749 |
USAA* | $ 175 | $ 196 | $ 771 |
Nationwide | $ 314 | $ 307 | $ 802 |
Travelers | $ 374 | $ 410 | $ 970 |
State Farm | $ 233 | $ 270 | $ 1,011 |
American Family | $ 452 | $ 472 | $ 1,112 |
Auto-Owners | $ 247 | $ 283 | $ 1,281 |
Erie Insurance | $ 221 | $ 246 | $ 1,292 |
Farmers | $ 353 | $ 435 | $ 1,463 |
Allstate | $ 512 | $ 541 | $ 1,633 |
Automobile Club MI (AAA) | $ 328 | $ 361 | $ 1,755 |
Progressive | $ 290 | $ 352 | $ 1,999 |
Kemper Insurance | $ 543 | $ 674 | $ 2,392 |
USAA offers car insurance only to military members, veterans and their families.
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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.
State Farm offers the cheapest car insurance for teen drivers in Wisconsin at $2,763 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, Geico offers the cheapest full-coverage car insurance for adult drivers at $752 per year and Nationwide offers the cheapest full-coverage car insurance for senior drivers at $723 per year.
Age (group) | Company Group | Avg. Annual Premium |
---|---|---|
Teens (16-19) | USAA | $ 2,333 |
Teens (16-19) | State Farm | $ 2,763 |
Teens (16-19) | American Family | $ 2,883 |
Teens (16-19) | Geico | $ 2,909 |
Teens (16-19) | Nationwide | $ 3,019 |
Teens (16-19) | Auto-Owners | $ 3,060 |
Teens (16-19) | Erie Insurance | $ 3,208 |
Teens (16-19) | Travelers | $ 3,345 |
Teens (16-19) | Allstate | $ 5,698 |
Teens (16-19) | Farmers | $ 6,203 |
Teens (16-19) | Automobile Club MI (AAA) | $ 6,545 |
Teens (16-19) | Kemper Insurance | $ 7,654 |
Teens (16-19) | Progressive | $ 8,485 |
Young Adults (20-24) | USAA | $ 1,170 |
Young Adults (20-24) | Geico | $ 1,174 |
Young Adults (20-24) | Nationwide | $ 1,421 |
Young Adults (20-24) | American Family | $ 1,584 |
Young Adults (20-24) | Travelers | $ 1,623 |
Young Adults (20-24) | State Farm | $ 1,634 |
Young Adults (20-24) | Auto-Owners | $ 2,028 |
Young Adults (20-24) | Erie Insurance | $ 2,120 |
Young Adults (20-24) | Allstate | $ 2,213 |
Young Adults (20-24) | Farmers | $ 2,434 |
Young Adults (20-24) | Automobile Club MI (AAA) | $ 3,118 |
Young Adults (20-24) | Progressive | $ 3,146 |
Young Adults (20-24) | Kemper Insurance | $ 3,920 |
Adults (25-55) | Geico | $ 752 |
Adults (25-55) | USAA | $ 787 |
Adults (25-55) | Nationwide | $ 810 |
Adults (25-55) | Travelers | $ 980 |
Adults (25-55) | State Farm | $ 1,025 |
Adults (25-55) | American Family | $ 1,101 |
Adults (25-55) | Auto-Owners | $ 1,307 |
Adults (25-55) | Erie Insurance | $ 1,362 |
Adults (25-55) | Farmers | $ 1,458 |
Adults (25-55) | Allstate | $ 1,702 |
Adults (25-55) | Automobile Club MI (AAA) | $ 1,755 |
Adults (25-55) | Progressive | $ 2,062 |
Adults (25-55) | Kemper Insurance | $ 2,271 |
Seniors (60-75) | Nationwide | $ 723 |
Seniors (60-75) | USAA | $ 751 |
Seniors (60-75) | Geico | $ 790 |
Seniors (60-75) | Travelers | $ 914 |
Seniors (60-75) | State Farm | $ 930 |
Seniors (60-75) | American Family | $ 1,066 |
Seniors (60-75) | Auto-Owners | $ 1,138 |
Seniors (60-75) | Erie Insurance | $ 1,325 |
Seniors (60-75) | Farmers | $ 1,368 |
Seniors (60-75) | Allstate | $ 1,565 |
Seniors (60-75) | Automobile Club MI (AAA) | $ 1,665 |
Seniors (60-75) | Progressive | $ 1,763 |
Seniors (60-75) | Kemper Insurance | $ 1,969 |
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.
However, the severity and frequency of the incidents will also impact insurance rates. For instance, drivers with a single minor accident will see a smaller rate increase compared to those with multiple major accidents.
Below are average Wisconsin rates by company for drivers with accidents and tickets on their driving record.
Company | Clean record | Accident | Ticket |
---|---|---|---|
USAA* | $ 797 | $ 1,151 | $ 952 |
Geico | $ 857 | $ 1,697 | $ 1,234 |
Nationwide | $ 1,079 | $ 1,813 | $ 1,458 |
Travelers | $ 1,117 | $ 1,654 | $ 1,603 |
American Family | $ 1,209 | $ 1,209 | $ 1,574 |
State Farm | $ 1,243 | $ 1,459 | $ 1,351 |
Auto-Owners | $ 1,341 | $ 1,569 | $ 1,770 |
Automobile Club of MI | $ 1,377 | $ 2,806 | $ 2,806 |
Erie | $ 1,530 | $ 1,872 | $ 1,530 |
Farmers | $ 1,759 | $ 2,534 | $ 2,430 |
Allstate | $ 2,066 | $ 3,525 | $ 2,548 |
Auto Club Entreprises | $ 2,170 | $ 4,483 | $ 4,480 |
Progressive | $ 2,187 | $ 3,834 | $ 3,095 |
Kemper | $ 3,538 | $ 5,349 | $ 4,058 |
*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 vary significantly 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 and consider these local factors to find the most competitive rates for your specific city in Wisconsin.
City | Annual insurance premium |
---|---|
Cudahy | $1,329 |
Eau Claire | $1,197 |
Evansville | $1,211 |
Madison | $1,243 |
Menomonee Falls | $1,221 |
Milwaukee | $1,757 |
Oshkosh | $1,094 |
Portage | $1,256 |
Sheboygan | $1,091 |
Sun Prairie | $1,181 |
Wausau | $1,215 |
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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.