The Cheapest Car Insurance in Wisconsin for April 2024

Erie offers the cheapest car insurance in Wisconsin, with an average annual rate of $986 for full coverage.
Ben Moore
By Ben Moore 
Updated
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 Erie at $986 per year on average, or $82 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 $1,817 per year, or about $151 per month.

Minimum coverage in Wisconsin is $437 per year on average, but we found you can likely get a cheaper policy. For example, Integrity offers the cheapest rates in Wisconsin at $166 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

*Secura car insurance policies are available only if bundled with homeowners or renters insurance. Read NerdWallet's guide to the best auto and home insurance bundles to learn more about bundled policies.

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

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How we chose the cheapest companies in Wisconsin

NerdWallet’s editorial team analyzed car insurance rates from 26 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. Secura: $1,996 per year, or about $166 per month.
  2. Erie: $2,082 per year, or about $174 per month.
  3. Integrity: $2,093 per year, or about $174 per month.
  4. Geico: $2,156 per year, or about $180 per month.
  5. Pekin: $2,454 per year, or about $205 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: $322 per year, or about $27 per month.
  2. Erie: $451 per year, or about $38 per month.
  3. Geico: $527 per year, or about $44 per month.
  4. Western National: $626 per year, or about $52 per month.
  5. IMT: $650 per year, or about $54 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: $444 per year, or about $37 per month.
  2. Geico: $835 per year, or about $70 per month.
  3. IMT: $954 per year, or about $79 per month.
  4. Travelers: $966 per year, or about $81 per month.
  5. Erie: $981 per year, or about $82 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: $350 per year, or about $29 per month.
  2. Erie: $521 per year, or about $43 per month.
  3. Geico: $594 per year, or about $50 per month.
  4. Western National: $626 per year, or about $52 per month.
  5. Rural Mutual: $748 per year, or about $62 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: $380 per year, or about $32 per month.
  2. Erie: $571 per year, or about $48 per month.
  3. Western National: $626 per year, or about $52 per month.
  4. Geico: $693 per year, or about $58 per month.
  5. Rural Mutual: $748 per year, or about $62 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: $335 per year, or about $28 per month.
  2. Western National: $626 per year, or about $52 per month.
  3. Erie: $676 per year, or about $56 per month.
  4. Progressive: $782 per year, or about $65 per month.
  5. Geico: $891 per year, or about $74 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: $1,051 per year, or about $88 per month.
  2. Secura: $1,053 per year, or about $88 per month.
  3. Erie: $1,058 per year, or about $88 per month.
  4. Hastings Mutual: $1,102 per year, or about $92 per month.
  5. West Bend: $1,201 per year, or about $100 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: $171 per year, or about $14 per month.
  2. Erie: $242 per year, or about $20 per month.
  3. Geico: $279 per year, or about $23 per month.
  4. Western National: $279 per year, or about $23 per month.
  5. IMT: $332 per year, or about $28 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: $1,406 per year, or about $117 per month.
  2. Integrity: $1,644 per year, or about $137 per month.
  3. Secura: $1,672 per year, or about $139 per month.
  4. Geico: $2,000 per year, or about $167 per month.
  5. State Farm: $2,090 per year, or about $174 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: $198 per year, or about $17 per month.
  2. Erie: $265 per year, or about $22 per month.
  3. Western National: $279 per year, or about $23 per month.
  4. Geico: $320 per year, or about $27 per month.
  5. IMT: $402 per year, or about $34 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: $1,102 per year, or about $92 per month.
  2. Integrity: $1,387 per year, or about $116 per month.
  3. Erie: $1,451 per year, or about $121 per month.
  4. Secura: $1,642 per year, or about $137 per month.
  5. West Bend: $1,654 per year, or about $138 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: $1,203 per year, or about $100 per month.
  2. Erie: $1,730 per year, or about $144 per month.
  3. Travelers: $1,995 per year, or about $166 per month.
  4. West Bend: $2,225 per year, or about $185 per month.
  5. Secura: $2,226 per year, or about $186 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: $950 per year, or about $79 per month.
  2. Erie: $959 per year, or about $80 per month.
  3. Secura: $1,002 per year, or about $84 per month.
  4. Hastings Mutual: $1,054 per year, or about $88 per month.
  5. West Bend: $1,115 per year, or about $93 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: $161 per year, or about $13 per month.
  2. Erie: $218 per year, or about $18 per month.
  3. Western National: $256 per year, or about $21 per month.
  4. Geico: $278 per year, or about $23 per month.
  5. IMT: $306 per year, or about $26 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: $1,338 per year, or about $112 per month.
  2. Integrity: $1,477 per year, or about $123 per month.
  3. Secura: $1,585 per year, or about $132 per month.
  4. Geico: $1,949 per year, or about $162 per month.
  5. Travelers: $1,959 per year, or about $163 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: $189 per year, or about $16 per month.
  2. Erie: $237 per year, or about $20 per month.
  3. Western National: $256 per year, or about $21 per month.
  4. Geico: $321 per year, or about $27 per month.
  5. IMT: $370 per year, or about $31 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: $1,054 per year, or about $88 per month.
  2. Integrity: $1,283 per year, or about $107 per month.
  3. Erie: $1,294 per year, or about $108 per month.
  4. West Bend: $1,535 per year, or about $128 per month.
  5. Secura: $1,561 per year, or about $130 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: $1,096 per year, or about $91 per month.
  2. Erie: $1,538 per year, or about $128 per month.
  3. Travelers: $1,883 per year, or about $157 per month.
  4. West Bend: $2,076 per year, or about $173 per month.
  5. Secura: $2,115 per year, or about $176 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. Erie: $886 per year, or about $74 per month.
  2. Integrity: $915 per year, or about $76 per month.
  3. Secura: $953 per year, or about $79 per month.
  4. Hastings Mutual: $1,008 per year, or about $84 per month.
  5. West Bend: $1,044 per year, or about $87 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: $154 per year, or about $13 per month.
  2. Erie: $201 per year, or about $17 per month.
  3. Western National: $233 per year, or about $19 per month.
  4. Geico: $273 per year, or about $23 per month.
  5. IMT: $282 per year, or about $24 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: $1,284 per year, or about $107 per month.
  2. Integrity: $1,407 per year, or about $117 per month.
  3. Secura: $1,512 per year, or about $126 per month.
  4. West Bend: $1,866 per year, or about $156 per month.
  5. Geico: $1,875 per year, or about $156 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: $181 per year, or about $15 per month.
  2. Erie: $219 per year, or about $18 per month.
  3. Western National: $233 per year, or about $19 per month.
  4. Geico: $314 per year, or about $26 per month.
  5. IMT: $340 per year, or about $28 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: $1,008 per year, or about $84 per month.
  2. Erie: $1,190 per year, or about $99 per month.
  3. Integrity: $1,244 per year, or about $104 per month.
  4. West Bend: $1,437 per year, or about $120 per month.
  5. Secura: $1,489 per year, or about $124 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: $1,058 per year, or about $88 per month.
  2. Erie: $1,407 per year, or about $117 per month.
  3. Travelers: $1,827 per year, or about $152 per month.
  4. West Bend: $1,928 per year, or about $161 per month.
  5. Progressive: $1,978 per year, or about $165 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. Erie: $838 per year, or about $70 per month.
  2. Integrity: $897 per year, or about $75 per month.
  3. Secura: $946 per year, or about $79 per month.
  4. Hastings Mutual: $966 per year, or about $81 per month.
  5. West Bend: $988 per year, or about $82 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: $156 per year, or about $13 per month.
  2. Erie: $198 per year, or about $16 per month.
  3. Western National: $222 per year, or about $19 per month.
  4. Geico: $275 per year, or about $23 per month.
  5. IMT: $284 per year, or about $24 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: $1,222 per year, or about $102 per month.
  2. Integrity: $1,371 per year, or about $114 per month.
  3. Secura: $1,502 per year, or about $125 per month.
  4. Travelers: $1,726 per year, or about $144 per month.
  5. State Farm: $1,765 per year, or about $147 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: $183 per year, or about $15 per month.
  2. Erie: $215 per year, or about $18 per month.
  3. Western National: $222 per year, or about $19 per month.
  4. Geico: $316 per year, or about $26 per month.
  5. IMT: $343 per year, or about $29 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: $966 per year, or about $81 per month.
  2. Erie: $1,147 per year, or about $96 per month.
  3. Integrity: $1,233 per year, or about $103 per month.
  4. West Bend: $1,359 per year, or about $113 per month.
  5. Secura: $1,493 per year, or about $124 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: $1,043 per year, or about $87 per month.
  2. Erie: $1,368 per year, or about $114 per month.
  3. Travelers: $1,712 per year, or about $143 per month.
  4. West Bend: $1,885 per year, or about $157 per month.
  5. Progressive: $1,895 per year, or about $158 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. Rural Mutual: $904 per year, or about $75 per month.
  2. Erie: $961 per year, or about $80 per month.
  3. Secura: $1,066 per year, or about $89 per month.
  4. West Bend: $1,072 per year, or about $89 per month.
  5. Travelers: $1,136 per year, or about $95 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. Erie: $223 per year, or about $19 per month.
  2. Integrity: $229 per year, or about $19 per month.
  3. Rural Mutual: $258 per year, or about $22 per month.
  4. Western National: $297 per year, or about $25 per month.
  5. IMT: $309 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: $1,532 per year, or about $128 per month.
  2. Rural Mutual: $1,535 per year, or about $128 per month.
  3. Secura: $1,694 per year, or about $141 per month.
  4. State Farm: $1,795 per year, or about $150 per month.
  5. Integrity: $1,812 per year, or about $151 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. Erie: $243 per year, or about $20 per month.
  2. Integrity: $254 per year, or about $21 per month.
  3. Rural Mutual: $280 per year, or about $23 per month.
  4. Western National: $297 per year, or about $25 per month.
  5. Geico: $368 per year, or about $31 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. Rural Mutual: $990 per year, or about $83 per month.
  2. Hastings Mutual: $1,204 per year, or about $100 per month.
  3. Erie: $1,320 per year, or about $110 per month.
  4. West Bend: $1,470 per year, or about $123 per month.
  5. Integrity: $1,504 per year, or about $125 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. Rural Mutual: $1,240 per year, or about $103 per month.
  2. Integrity: $1,331 per year, or about $111 per month.
  3. Erie: $1,578 per year, or about $132 per month.
  4. Travelers: $1,907 per year, or about $159 per month.
  5. Progressive: $2,021 per year, or about $168 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 65 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 2021 Toyota Camry LE 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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