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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. 
IN THIS ARTICLE

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.

Best car insurance companies in Wisconsin
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 7490.774.95
USAA*A++$ 7710.994.89
TravelersA++$ 9701.034.71
NationwideA+$ 8020.664.63
Auto-OwnersA++$ 1,2810.644.52
State FarmA++$ 1,0110.524.48
Erie InsuranceA+$ 1,2920.954.15
American FamilyA$ 1,1120.574.08
AllstateA+$ 1,6330.953.86
FarmersA$ 1,4630.773.74
ProgressiveA+$ 1,9990.733.59
Automobile Club MI (AAA)A$ 1,7551.383.37

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.

CompanyState minimum50/100/50 liability only100/300/100 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.

Auto insurance calculator

Average auto insurance rates in Alabama
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Male
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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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. 

Cheapest car insurance by age in Wisconsin
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. 

Cheapest car insurance companies for tickets and accidents in Wisconsin 
CompanyClean recordAccidentTicket
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.

CityAnnual 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

Alabama
$1,442/year
Alaska
$1,325/year
Arizona
$1,484/year
Arkansas
$1,420/year
California
$2,110/year
Colorado
$1,804/year
Connecticut
$1,741/year
Delaware
$2,111/year
Florida
$2,560/year
Georgia
$1,555/year
Hawaii
$1,306/year
Idaho
$1,052/year
Illinois
$1,384/year
Indiana
$1,184/year
Iowa
$1,321/year
Kansas
$1,526/year
Kentucky
$1,526/year
Louisiana
$2,487/year
Maine
$1,122/year
Maryland
$1,504/year
Massachusetts
$1,528/year
Michigan
$2,158/year
Minnesota
$1,482/year
Mississippi
$1,498/year
Missouri
$1,984/year
Montana
$1,751/year
Nebraska
$1,976/year
Nevada
$1,969/year
New Hampshire
$1,266/year
New Jersey
$1,910/year
New Mexico
$1,509/year
New York
$2,020/year
North Carolina
$1,324/year
North Dakota
$1,295/year
Ohio
$996/year
Oklahoma
$1,087/year
Oregon
$1,217/year
Pennsylvania
$1,256/year
Rhode Island
$1,717/year
South Carolina
$1,894/year
South Dakota
$1,717/year
Tennessee
$1,311/year
Texas
$1,794/year
Utah
$1,414/year
Vermont
$1,102/year
Virginia
$1,227/year
Washington
$1,203/year
West Virginia
$1,528/year
Wyoming
$1,659/year
Show more

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.  

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