The Cheapest Car Insurance in Wisconsin for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Wisconsin for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Wisconsin isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Wisconsin is $1,271 per year, or about $106 per month, according to NerdWallet’s analysis. Minimum coverage in Wisconsin is $374 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Wisconsin at $203 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in Wisconsin

$71/month

4.5

NerdWallet rating 

Cheapest for minimum coverage

$17/month

4.5

NerdWallet rating 

Cheapest for young drivers

$121/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

$71/month

4.5

NerdWallet rating 

How we chose the cheapest companies in Wisconsin

NerdWallet’s editorial team analyzed car insurance rates from 23 auto insurers in Wisconsin and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Wisconsin. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Wisconsin for 20-year-olds

Drivers in Wisconsin with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. American Family: $1,446 per year, or about $120 per month.

  2. Geico: $1,611 per year, or about $134 per month.

  3. Pekin: $1,653 per year, or about $138 per month.

  4. Erie: $1,710 per year, or about $142 per month.

  5. State Farm: $1,729 per year, or about $144 per month.

Cheapest minimum coverage car insurance in Wisconsin for 20-year-olds

Drivers in Wisconsin who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Erie: $388 per year, or about $32 per month.

  2. Geico: $389 per year, or about $32 per month.

  3. State Farm: $518 per year, or about $43 per month.

  4. Auto Club Group: $523 per year, or about $44 per month.

  5. Western National: $553 per year, or about $46 per month.

Cheapest auto insurance in Wisconsin for 20-year-olds with poor credit

Drivers with poor credit in Wisconsin should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $570 per year, or about $48 per month.

  2. Erie: $837 per year, or about $70 per month.

  3. Travelers: $865 per year, or about $72 per month.

  4. Progressive: $1,048 per year, or about $87 per month.

  5. Pekin: $1,091 per year, or about $91 per month.

Cheapest auto insurance in Wisconsin for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Erie: $449 per year, or about $37 per month.

  2. Geico: $491 per year, or about $41 per month.

  3. Western National: $553 per year, or about $46 per month.

  4. State Farm: $654 per year, or about $54 per month.

  5. Wisconsin Farm Bureau: $689 per year, or about $57 per month.

Cheapest auto insurance in Wisconsin for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Erie: $406 per year, or about $34 per month.

  2. Western National: $553 per year, or about $46 per month.

  3. Geico: $652 per year, or about $54 per month.

  4. Progressive: $733 per year, or about $61 per month.

  5. State Farm: $763 per year, or about $64 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Wisconsin for 30-year-olds

Drivers in Wisconsin with clean driving records may get the lowest rates from these companies:

  1. Geico: $841 per year, or about $70 per month.

  2. State Farm: $877 per year, or about $73 per month.

  3. Hastings Mutual: $890 per year, or about $74 per month.

  4. Secura: $912 per year, or about $76 per month.

  5. Pekin: $914 per year, or about $76 per month.

Cheapest minimum coverage car insurance in Wisconsin for 30-year-olds

Drivers in Wisconsin who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $199 per year, or about $17 per month.

  2. Wisconsin Farm Bureau: $238 per year, or about $20 per month.

  3. Erie: $239 per year, or about $20 per month.

  4. State Farm: $239 per year, or about $20 per month.

  5. Rockford Mutual: $241 per year, or about $20 per month.

Cheapest auto insurance in Wisconsin for 30-year-olds with poor credit

Drivers with poor credit in Wisconsin should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $1,145 per year, or about $95 per month.

  2. Hastings Mutual: $1,199 per year, or about $100 per month.

  3. Secura: $1,540 per year, or about $128 per month.

  4. Rockford Mutual: $1,636 per year, or about $136 per month.

  5. Wisconsin Farm Bureau: $1,658 per year, or about $138 per month.

Cheapest auto insurance in Wisconsin for 30-year-old drivers with one at-fault crash

For drivers in Wisconsin with a recent accident, here are the lowest average rate options for full coverage:

  1. American Family: $1,027 per year, or about $86 per month.

  2. State Farm: $1,067 per year, or about $89 per month.

  3. Pekin: $1,188 per year, or about $99 per month.

  4. Erie: $1,231 per year, or about $103 per month.

  5. Auto-Owners: $1,331 per year, or about $111 per month.

Cheapest auto insurance in Wisconsin for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Erie: $1,023 per year, or about $85 per month.

  2. State Farm: $1,210 per year, or about $101 per month.

  3. Progressive: $1,241 per year, or about $103 per month.

  4. American Family: $1,290 per year, or about $108 per month.

  5. Wisconsin Farm Bureau: $1,350 per year, or about $112 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Wisconsin for 40-year-olds

Drivers in Wisconsin with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Hastings Mutual: $783 per year, or about $65 per month.

  2. Secura: $843 per year, or about $70 per month.

  3. Geico: $844 per year, or about $70 per month.

  4. State Farm: $853 per year, or about $71 per month.

  5. Pekin: $856 per year, or about $71 per month.

Cheapest minimum coverage car insurance in Wisconsin for 40-year-olds

Drivers in Wisconsin who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $203 per year, or about $17 per month.

  2. Erie: $216 per year, or about $18 per month.

  3. Western National: $227 per year, or about $19 per month.

  4. Pekin: $232 per year, or about $19 per month.

  5. Wisconsin Farm Bureau: $238 per year, or about $20 per month.

Cheapest auto insurance in Wisconsin for 40-year-olds with poor credit

Drivers with poor credit in Wisconsin can check out the following insurers with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,051 per year, or about $88 per month.

  2. Geico: $1,134 per year, or about $94 per month.

  3. Secura: $1,421 per year, or about $118 per month.

  4. American Family: $1,585 per year, or about $132 per month.

  5. Rockford Mutual: $1,636 per year, or about $136 per month.

Cheapest auto insurance in Wisconsin for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Wisconsin, here are the companies with the lowest average rates for full coverage:

  1. American Family: $942 per year, or about $78 per month.

  2. State Farm: $1,046 per year, or about $87 per month.

  3. Erie: $1,103 per year, or about $92 per month.

  4. Pekin: $1,109 per year, or about $92 per month.

  5. Hastings Mutual: $1,233 per year, or about $103 per month.

Cheapest auto insurance in Wisconsin for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Erie: $918 per year, or about $76 per month.

  2. Progressive: $1,128 per year, or about $94 per month.

  3. American Family: $1,182 per year, or about $98 per month.

  4. State Farm: $1,185 per year, or about $99 per month.

  5. Wisconsin Farm Bureau: $1,350 per year, or about $112 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Wisconsin for 50-year-olds

Drivers in Wisconsin with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Hastings Mutual: $662 per year, or about $55 per month.

  2. Secura: $817 per year, or about $68 per month.

  3. Pekin: $824 per year, or about $69 per month.

  4. Geico: $824 per year, or about $69 per month.

  5. State Farm: $825 per year, or about $69 per month.

Cheapest minimum coverage car insurance in Wisconsin for 50-year-olds

Drivers in Wisconsin who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Erie: $200 per year, or about $17 per month.

  2. Geico: $201 per year, or about $17 per month.

  3. Rockford Mutual: $207 per year, or about $17 per month.

  4. Western National: $207 per year, or about $17 per month.

  5. Wisconsin Farm Bureau: $222 per year, or about $18 per month.

Cheapest auto insurance in Wisconsin for 50-year-olds with poor credit

Drivers with poor credit in Wisconsin can check with the following companies, which showed the lowest average rates for full coverage:

  1. Hastings Mutual: $886 per year, or about $74 per month.

  2. Geico: $1,103 per year, or about $92 per month.

  3. Secura: $1,377 per year, or about $115 per month.

  4. Rockford Mutual: $1,456 per year, or about $121 per month.

  5. American Family: $1,467 per year, or about $122 per month.

Cheapest auto insurance in Wisconsin for 50-year-old drivers with one at-fault crash

For drivers living in Wisconsin with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. American Family: $874 per year, or about $73 per month.

  2. Erie: $1,014 per year, or about $84 per month.

  3. State Farm: $1,017 per year, or about $85 per month.

  4. Pekin: $1,068 per year, or about $89 per month.

  5. Hastings Mutual: $1,093 per year, or about $91 per month.

Cheapest auto insurance in Wisconsin for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Erie: $845 per year, or about $70 per month.

  2. Progressive: $1,045 per year, or about $87 per month.

  3. American Family: $1,095 per year, or about $91 per month.

  4. State Farm: $1,151 per year, or about $96 per month.

  5. Wisconsin Farm Bureau: $1,274 per year, or about $106 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Wisconsin for 60-year-olds

Drivers in Wisconsin with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Hastings Mutual: $677 per year, or about $56 per month.

  2. State Farm: $768 per year, or about $64 per month.

  3. Secura: $813 per year, or about $68 per month.

  4. Erie: $814 per year, or about $68 per month.

  5. Pekin: $814 per year, or about $68 per month.

Cheapest minimum coverage car insurance in Wisconsin for 60-year-olds

Drivers in Wisconsin who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Erie: $193 per year, or about $16 per month.

  2. Western National: $198 per year, or about $16 per month.

  3. Geico: $206 per year, or about $17 per month.

  4. Rockford Mutual: $207 per year, or about $17 per month.

  5. Wisconsin Farm Bureau: $222 per year, or about $18 per month.

Cheapest auto insurance in Wisconsin for 60-year-olds with poor credit

Drivers with poor credit in Wisconsin can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $905 per year, or about $75 per month.

  2. Geico: $1,114 per year, or about $93 per month.

  3. Secura: $1,371 per year, or about $114 per month.

  4. American Family: $1,443 per year, or about $120 per month.

  5. Progressive: $1,449 per year, or about $121 per month.

Cheapest auto insurance in Wisconsin for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Wisconsin, here are the companies with the lowest average rates for full coverage:

  1. American Family: $858 per year, or about $72 per month.

  2. State Farm: $953 per year, or about $79 per month.

  3. Erie: $978 per year, or about $82 per month.

  4. Pekin: $1,060 per year, or about $88 per month.

  5. Hastings Mutual: $1,109 per year, or about $92 per month.

Cheapest auto insurance in Wisconsin for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Erie: $814 per year, or about $68 per month.

  2. Progressive: $1,004 per year, or about $84 per month.

  3. State Farm: $1,077 per year, or about $90 per month.

  4. American Family: $1,078 per year, or about $90 per month.

  5. Chubb: $1,209 per year, or about $101 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 42 of the 48 driver profiles we examined.

Minimum required auto insurance in Wisconsin

Wisconsin requires drivers to carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $10,000 property damage liability per accident.

  • $25,000 uninsured motorist per person for injuries.

  • $50,000 uninsured motorist per accident for injuries.

Liability insurance kicks in to cover others’ property damage and injury treatment, up to your limit, if you cause an accident.

If you’re ever struck by a driver who lacks car insurance, UMBI will cover your injuries plus those of your passengers, also up to your limit.

Keep in mind that the required amounts of insurance may not be enough to fully cover others’ damages or your own. In most cases, it’s wise to choose limits above the legal minimum and consider adding common optional coverages such as collision and comprehensive insurance.

Alternative Wisconsin car insurance

If you’re unable to purchase auto insurance on the voluntary market because of DUIs, at-fault accidents, poor credit or other circumstances, you can apply for coverage through the Wisconsin Automobile Insurance Plan.

For more help sorting through the companies in your area and finding the most competitive car insurance rates, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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