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Best Cheap Car Insurance in Wisconsin for 2021

Dec. 9, 2020
Auto Insurance, Insurance
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When it comes to getting cheap car insurance in Wisconsin, fortune favors the persistent. Insurance companies may offer different rates for the exact same type of policy, so comparing as many prices as possible is smart.

Your rates will also hinge on your driving history, credit score and other personal factors. To help you find the best prices, NerdWallet looked at rates from 39 insurers in the state and found the five lowest options for several driver types.

Cheapest for 20-year-old drivers in Wisconsin

Drivers in their 20s may have to get a lot of quotes to find 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 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: $1,506 per year.
  2. Pekin: $1,554 per year.
  3. Geico: $1,640 per year.
  4. State Farm: $1,647 per year.
  5. Secura: $1,702 per year.

Cheapest minimum coverage 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. Geico: $399 per year.
  2. Partners Mutual: $450 per year.
  3. Western National: $502 per year.
  4. Pekin: $517 per year.
  5. State Farm: $533 per year.

Cheapest coverage for 20-year-olds with poor credit in Wisconsin

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

  1. Geico: $589 per year.
  2. Partners Mutual: $715 per year.
  3. Travelers: $946 per year.
  4. Progressive: $972 per year.
  5. Pekin: $996 per year.

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

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

  1. Geico: $502 per year.
  2. Western National: $502 per year.
  3. Partners Mutual: $619 per year.
  4. Erie: $642 per year.
  5. State Farm: $673 per year.

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

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

  1. Western National: $502 per year.
  2. Erie: $631 per year.
  3. Geico: $668 per year.
  4. Progressive: $681 per year.
  5. State Farm: $788 per year.

Cheapest for 30-year-old drivers in Wisconsin

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 in Wisconsin for 30-year-olds

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

  1. State Farm: $823 per year.
  2. Pekin: $858 per year.
  3. Rockford Mutual: $859 per year.
  4. Geico: $860 per year.
  5. Secura: $866 per year.

Cheapest minimum coverage 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: $202 per year.
  2. Pekin: $219 per year.
  3. Rockford Mutual: $224 per year.
  4. Western National: $226 per year.
  5. Wisconsin Farm Bureau: $238 per year.

Cheapest coverage for 30-year-olds with poor credit in Wisconsin

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

  1. Geico: $1,163 per year.
  2. Hastings Mutual: $1,266 per year.
  3. Rockford Mutual: $1,434 per year.
  4. Secura: $1,460 per year.
  5. Wisconsin Farm Bureau: $1,598 per year.

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

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

  1. State Farm: $1,015 per year.
  2. American Family: $1,083 per year.
  3. Pekin: $1,116 per year.
  4. Erie: $1,267 per year.
  5. Rockford Mutual: $1,292 per year.

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

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

  1. Erie: $1,040 per year.
  2. Progressive: $1,137 per year.
  3. State Farm: $1,152 per year.
  4. Wisconsin Farm Bureau: $1,301 per year.
  5. Western National: $1,315 per year.

Cheapest for 40-year-old drivers in Wisconsin

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 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. State Farm: $801 per year.
  2. Secura: $802 per year.
  3. Pekin: $803 per year.
  4. Hastings Mutual: $825 per year.
  5. Rockford Mutual: $859 per year.

Cheapest minimum coverage 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. Pekin: $202 per year.
  2. Geico: $207 per year.
  3. Western National: $208 per year.
  4. Rockford Mutual: $224 per year.
  5. Wisconsin Farm Bureau: $238 per year.

Cheapest coverage for 40-year-olds with poor credit in Wisconsin

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

  1. Hastings Mutual: $1,111 per year.
  2. Geico: $1,158 per year.
  3. Secura: $1,348 per year.
  4. Rockford Mutual: $1,434 per year.
  5. Progressive: $1,512 per year.

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

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

  1. State Farm: $989 per year.
  2. American Family: $990 per year.
  3. Pekin: $1,041 per year.
  4. Erie: $1,143 per year.
  5. Western National: $1,250 per year.

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

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

  1. Erie: $940 per year.
  2. Progressive: $1,031 per year.
  3. State Farm: $1,124 per year.
  4. American Family: $1,216 per year.
  5. Western National: $1,250 per year.

Cheapest for 50-year-old drivers in Wisconsin

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 the best cheap car insurance companies is a good place to start.

Cheapest full coverage 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: $698 per year.
  2. Rockford Mutual: $763 per year.
  3. Pekin: $773 per year.
  4. Secura: $776 per year.
  5. State Farm: $777 per year.

Cheapest minimum coverage 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. Western National: $190 per year.
  2. Rockford Mutual: $192 per year.
  3. Pekin: $197 per year.
  4. Geico: $205 per year.
  5. Wisconsin Farm Bureau: $222 per year.

Cheapest coverage for 50-year-olds with poor credit in Wisconsin

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

  1. Hastings Mutual: $935 per year.
  2. Geico: $1,124 per year.
  3. Rockford Mutual: $1,274 per year.
  4. Secura: $1,305 per year.
  5. Progressive: $1,381 per year.

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

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

  1. American Family: $919 per year.
  2. State Farm: $961 per year.
  3. Pekin: $1,002 per year.
  4. Erie: $1,067 per year.
  5. Western National: $1,114 per year.

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

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: $878 per year.
  2. Progressive: $954 per year.
  3. State Farm: $1,094 per year.
  4. Western National: $1,114 per year.
  5. American Family: $1,127 per year.

Cheapest for 65-year-old drivers in Wisconsin

Although 65-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 auto insurance for seniors, drivers in their mid-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 in Wisconsin for 65-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: $719 per year.
  2. Rockford Mutual: $759 per year.
  3. Pekin: $770 per year.
  4. Progressive: $780 per year.
  5. Hastings Mutual: $788 per year.

Cheapest minimum coverage in Wisconsin for 65-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. Western National: $200 per year.
  2. Rockford Mutual: $211 per year.
  3. Pekin: $218 per year.
  4. Geico: $218 per year.
  5. Partners Mutual: $229 per year.

Cheapest coverage for 65-year-olds with poor credit in Wisconsin

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

  1. Hastings Mutual: $1,059 per year.
  2. Geico: $1,170 per year.
  3. Rockford Mutual: $1,266 per year.
  4. Progressive: $1,335 per year.
  5. Secura: $1,349 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Wisconsin

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

  1. State Farm: $892 per year.
  2. American Family: $930 per year.
  3. Pekin: $1,007 per year.
  4. Western National: $1,075 per year.
  5. Erie: $1,096 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Wisconsin

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

  1. Erie: $897 per year.
  2. Progressive: $987 per year.
  3. State Farm: $1,018 per year.
  4. Western National: $1,075 per year.
  5. Chubb: $1,140 per year.

Cheapest 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 29 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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.

See more state required car 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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

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