Cheap Car Insurance in Wisconsin for 2023

Secura offers the cheapest car insurance in Wisconsin, with an average monthly rate of $76 for full coverage.
Ben Moore
By Ben Moore 
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Wisconsin isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Wisconsin is Secura at $916 per year on average, or $76 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Wisconsin. Meanwhile, the average cost of full coverage car insurance in Wisconsin is $1,683 per year, or about $140 per month.

Minimum coverage in Wisconsin is $465 per year on average, but we found you can likely get a cheaper policy. For example, Integrity offers the cheapest rates in Wisconsin at $173 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Milwaukee.

How we chose the cheapest companies in Wisconsin

NerdWallet’s editorial team analyzed car insurance rates from 28 auto insurers in Wisconsin and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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 Wisconsin 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.

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. Integrity: $1,830 per year, or about $152 per month.

  2. Secura: $1,856 per year, or about $155 per month.

  3. Auto-Owners: $1,991 per year, or about $166 per month.

  4. American Family: $2,002 per year, or about $167 per month.

  5. Hastings Mutual: $2,095 per year, or about $175 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. Integrity: $328 per year, or about $27 per month.

  2. Erie: $523 per year, or about $44 per month.

  3. State Farm: $598 per year, or about $50 per month.

  4. Geico: $625 per year, or about $52 per month.

  5. Auto-Owners: $663 per year, or about $55 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. Integrity: $454 per year, or about $38 per month.

  2. Geico: $973 per year, or about $81 per month.

  3. IMT: $1,075 per year, or about $90 per month.

  4. Travelers: $1,097 per year, or about $91 per month.

  5. Hastings Mutual: $1,105 per year, or about $92 per month.

Cheapest auto insurance in Wisconsin for 20-year-old drivers with one speeding ticket

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

  1. Integrity: $358 per year, or about $30 per month.

  2. Erie: $548 per year, or about $46 per month.

  3. State Farm: $664 per year, or about $55 per month.

  4. Western National: $689 per year, or about $57 per month.

  5. Geico: $704 per year, or about $59 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. Integrity: $394 per year, or about $33 per month.

  2. Erie: $605 per year, or about $50 per month.

  3. Western National: $689 per year, or about $57 per month.

  4. State Farm: $745 per year, or about $62 per month.

  5. Wisconsin Farm Bureau: $774 per year, or about $64 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. Integrity: $342 per year, or about $28 per month.

  2. Western National: $689 per year, or about $57 per month.

  3. Erie: $721 per year, or about $60 per month.

  4. Progressive: $845 per year, or about $70 per month.

  5. State Farm: $864 per year, or about $72 per month.

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

  1. Integrity: $950 per year, or about $79 per month.

  2. Secura: $958 per year, or about $80 per month.

  3. State Farm: $967 per year, or about $81 per month.

  4. Hastings Mutual: $1,016 per year, or about $85 per month.

  5. Auto-Owners: $1,049 per year, or about $87 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. Integrity: $177 per year, or about $15 per month.

  2. State Farm: $240 per year, or about $20 per month.

  3. Erie: $282 per year, or about $24 per month.

  4. Auto-Owners: $291 per year, or about $24 per month.

  5. Western National: $304 per year, or about $25 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. Hastings Mutual: $1,298 per year, or about $108 per month.

  2. Integrity: $1,475 per year, or about $123 per month.

  3. Secura: $1,517 per year, or about $126 per month.

  4. Geico: $1,917 per year, or about $160 per month.

  5. West Bend: $1,929 per year, or about $161 per month.

Cheapest auto insurance in Wisconsin for 30-year-old drivers with one speeding ticket

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

  1. Integrity: $206 per year, or about $17 per month.

  2. State Farm: $268 per year, or about $22 per month.

  3. Erie: $282 per year, or about $24 per month.

  4. Western National: $304 per year, or about $25 per month.

  5. Auto-Owners: $329 per year, or about $27 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. Hastings Mutual: $1,016 per year, or about $85 per month.

  2. State Farm: $1,190 per year, or about $99 per month.

  3. Integrity: $1,239 per year, or about $103 per month.

  4. Auto-Owners: $1,357 per year, or about $113 per month.

  5. Erie: $1,450 per year, or about $121 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. Integrity: $1,068 per year, or about $89 per month.

  2. State Farm: $1,324 per year, or about $110 per month.

  3. American Family: $1,567 per year, or about $131 per month.

  4. Chubb: $1,584 per year, or about $132 per month.

  5. Erie: $1,704 per year, or about $142 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. Integrity: $847 per year, or about $71 per month.

  2. Hastings Mutual: $888 per year, or about $74 per month.

  3. Secura: $903 per year, or about $75 per month.

  4. State Farm: $932 per year, or about $78 per month.

  5. Auto-Owners: $1,014 per year, or about $84 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. Integrity: $167 per year, or about $14 per month.

  2. State Farm: $243 per year, or about $20 per month.

  3. Erie: $256 per year, or about $21 per month.

  4. Western National: $279 per year, or about $23 per month.

  5. Auto-Owners: $283 per year, or about $24 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: $1,131 per year, or about $94 per month.

  2. Integrity: $1,317 per year, or about $110 per month.

  3. Secura: $1,425 per year, or about $119 per month.

  4. West Bend: $1,812 per year, or about $151 per month.

  5. Geico: $1,888 per year, or about $157 per month.

Cheapest auto insurance in Wisconsin for 40-year-old drivers with one speeding ticket

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

  1. Integrity: $195 per year, or about $16 per month.

  2. Erie: $256 per year, or about $21 per month.

  3. State Farm: $270 per year, or about $22 per month.

  4. Western National: $279 per year, or about $23 per month.

  5. Auto-Owners: $319 per year, or about $27 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. Hastings Mutual: $888 per year, or about $74 per month.

  2. Integrity: $1,136 per year, or about $95 per month.

  3. State Farm: $1,143 per year, or about $95 per month.

  4. Erie: $1,300 per year, or about $108 per month.

  5. Auto-Owners: $1,315 per year, or about $110 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. Integrity: $968 per year, or about $81 per month.

  2. State Farm: $1,287 per year, or about $107 per month.

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

  4. Chubb: $1,507 per year, or about $126 per month.

  5. Erie: $1,541 per year, or about $128 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: $742 per year, or about $62 per month.

  2. Integrity: $813 per year, or about $68 per month.

  3. Secura: $857 per year, or about $71 per month.

  4. State Farm: $894 per year, or about $74 per month.

  5. West Bend: $935 per year, or about $78 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. Integrity: $158 per year, or about $13 per month.

  2. Erie: $238 per year, or about $20 per month.

  3. State Farm: $240 per year, or about $20 per month.

  4. Western National: $254 per year, or about $21 per month.

  5. Auto-Owners: $273 per year, or about $23 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: $942 per year, or about $78 per month.

  2. Integrity: $1,254 per year, or about $104 per month.

  3. Secura: $1,356 per year, or about $113 per month.

  4. West Bend: $1,670 per year, or about $139 per month.

  5. Travelers: $1,847 per year, or about $154 per month.

Cheapest auto insurance in Wisconsin for 50-year-old drivers with one speeding ticket

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

  1. Integrity: $187 per year, or about $16 per month.

  2. Erie: $238 per year, or about $20 per month.

  3. Western National: $254 per year, or about $21 per month.

  4. State Farm: $267 per year, or about $22 per month.

  5. Auto-Owners: $309 per year, or about $26 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. Hastings Mutual: $742 per year, or about $62 per month.

  2. State Farm: $1,098 per year, or about $92 per month.

  3. Integrity: $1,102 per year, or about $92 per month.

  4. Erie: $1,196 per year, or about $100 per month.

  5. Auto-Owners: $1,231 per year, or about $103 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. Integrity: $934 per year, or about $78 per month.

  2. State Farm: $1,237 per year, or about $103 per month.

  3. American Family: $1,300 per year, or about $108 per month.

  4. Erie: $1,416 per year, or about $118 per month.

  5. Chubb: $1,444 per year, or about $120 per month.

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: $758 per year, or about $63 per month.

  2. Integrity: $801 per year, or about $67 per month.

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

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

  5. West Bend: $893 per year, or about $74 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. Integrity: $162 per year, or about $14 per month.

  2. State Farm: $224 per year, or about $19 per month.

  3. Erie: $230 per year, or about $19 per month.

  4. Western National: $242 per year, or about $20 per month.

  5. Auto-Owners: $276 per year, or about $23 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: $963 per year, or about $80 per month.

  2. Integrity: $1,230 per year, or about $102 per month.

  3. Secura: $1,349 per year, or about $112 per month.

  4. West Bend: $1,596 per year, or about $133 per month.

  5. Travelers: $1,677 per year, or about $140 per month.

Cheapest auto insurance in Wisconsin for 60-year-old drivers with one speeding ticket

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

  1. Integrity: $190 per year, or about $16 per month.

  2. Erie: $230 per year, or about $19 per month.

  3. Western National: $242 per year, or about $20 per month.

  4. State Farm: $250 per year, or about $21 per month.

  5. Auto-Owners: $310 per year, or about $26 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. Hastings Mutual: $758 per year, or about $63 per month.

  2. State Farm: $1,013 per year, or about $84 per month.

  3. Integrity: $1,089 per year, or about $91 per month.

  4. Erie: $1,153 per year, or about $96 per month.

  5. Auto-Owners: $1,175 per year, or about $98 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. Integrity: $921 per year, or about $77 per month.

  2. State Farm: $1,142 per year, or about $95 per month.

  3. Chubb: $1,276 per year, or about $106 per month.

  4. American Family: $1,284 per year, or about $107 per month.

  5. Erie: $1,366 per year, or about $114 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Wisconsin for 70-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. State Farm: $856 per year, or about $71 per month.

  2. Wisconsin Farm Bureau: $858 per year, or about $72 per month.

  3. Hastings Mutual: $957 per year, or about $80 per month.

  4. Secura: $968 per year, or about $81 per month.

  5. West Bend: $970 per year, or about $81 per month.

Cheapest minimum coverage car insurance in Wisconsin for 70-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. Integrity: $230 per year, or about $19 per month.

  2. State Farm: $240 per year, or about $20 per month.

  3. Erie: $259 per year, or about $22 per month.

  4. Wisconsin Farm Bureau: $268 per year, or about $22 per month.

  5. Western National: $308 per year, or about $26 per month.

Cheapest auto insurance in Wisconsin for 70-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: $1,220 per year, or about $102 per month.

  2. Wisconsin Farm Bureau: $1,451 per year, or about $121 per month.

  3. Secura: $1,535 per year, or about $128 per month.

  4. Integrity: $1,602 per year, or about $134 per month.

  5. West Bend: $1,734 per year, or about $144 per month.

Cheapest auto insurance in Wisconsin for 70-year-old drivers with one speeding ticket

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

  1. Integrity: $258 per year, or about $22 per month.

  2. Erie: $259 per year, or about $22 per month.

  3. State Farm: $267 per year, or about $22 per month.

  4. Wisconsin Farm Bureau: $291 per year, or about $24 per month.

  5. Western National: $308 per year, or about $26 per month.

Cheapest auto insurance in Wisconsin for 70-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. Wisconsin Farm Bureau: $940 per year, or about $78 per month.

  2. Hastings Mutual: $957 per year, or about $80 per month.

  3. State Farm: $1,056 per year, or about $88 per month.

  4. Chubb: $1,316 per year, or about $110 per month.

  5. Auto-Owners: $1,319 per year, or about $110 per month.

Cheapest auto insurance in Wisconsin for 70-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. Wisconsin Farm Bureau: $1,179 per year, or about $98 per month.

  2. Integrity: $1,182 per year, or about $98 per month.

  3. State Farm: $1,197 per year, or about $100 per month.

  4. Chubb: $1,316 per year, or about $110 per month.

  5. American Family: $1,410 per year, or about $118 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 64 of the 70 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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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