Fact CheckedNerdWallet’s editorial team collected data on 24 auto insurers in Wisconsin and scored them for customer experience, online features, discounts and other factors. We chose GEICO for the top spot in the state, but plenty of other car insurance companies also earned high ratings.
Our March 2026 picks for the best car insurance companies in Wisconsin are:
Category winner | NerdWallet star rating |
|---|---|
Best overall car insurance company: GEICO | |
Best for budget shoppers: Travelers | |
Best if you have to make a claim: Acuity | |
Best for bundling auto and home insurance: American Family | |
Best regional insurance company: IMT |
For our list of the best car insurance companies in Wisconsin, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save. We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state 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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Best overall for car insurance: GEICO
Full coverage
$135 /month
Liability only
$23 /month
With nationwide availability and a raft of discounts, GEICO is a popular, and often affordable, choice for car insurance.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,624 $271 One speeding ticket, good credit $1,951 $311 One at-fault crash, good credit $2,624 $404 One DUI, good credit $3,985 $671 Clean driving record, poor credit $2,513 $392
Best cheap car insurance: Travelers
Full coverage
$83 /month
Liability only
$28 /month
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, & WI.
Why budget-conscious shoppers might like Travelers: Travelers’ low rates and great set of discounts mean it could be a good fit for budget-conscious drivers in Wisconsin. We found that, on average, Travelers may have some of the cheapest car insurance rates in Wisconsin, whether you’re a safe driver or have a recent incident on your record.
Travelers’ rates also could make it a great pick if you’re looking to add coverage to a basic policy. Travelers’ coverage options in Wisconsin may include gap insurance, new car replacement, rideshare insurance and the choice between two accident forgiveness plans.
Don’t pick Travelers if: You want car insurance from the insurer with the highest customer experience score. Travelers scores lower than average on J.D. Power's Auto Claims Satisfaction Study and regional Auto Insurance Study.
How much is car insurance from Travelers in Wisconsin? The average cost of car insurance from Travelers for someone with a clean driving record is $83 per month, or $991 per year in Wisconsin. That’s compared to the statewide average, which is $2,311 per year.
» Read the full review: Travelers auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $991 $336 One speeding ticket, good credit $1,262 $389 One at-fault crash, good credit $1,311 $411 One DUI, good credit $1,409 $435 Clean driving record, poor credit $1,554 $498
Best if you need to make a claim: Acuity
Full coverage
$239 /month
Liability only
$46 /month
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Available in: AR, AZ, CO, GA, IA, ID, IL, IN, KS, ME, MN, MO, MT, ND, NM, NV, OH, OR, PA, SD, TN, TX, UT, VA, VT, WI, & WY.
Why Acuity's customer satisfaction stands out: Acuity earns far fewer complaints from its policyholders than what’s expected for its size. In fact, Acuity has the best ratio of complaints to its size of any of the top-rated Wisconsin car insurance companies in our analysis.
Acuity is a good car insurance company for more reasons than its complaint ratio, including coverage options. Some of Acuity’s many choices may include new or better car replacement, gap coverage and a coverage package that may include accidental death & dismemberment coverage, coverage for your pet’s injuries, property coverage and more.
Don’t pick Acuity if: You’re looking for the best car insurance rates in Wisconsin. While we rated Acuity highly, we found that its rates may be higher than average for most drivers in the state.
How much is Acuity car insurance in Wisconsin? The average cost of car insurance from Acuity for someone in Wisconsin with a clean driving record is $239 per month, or $2,868 per year. That’s compared to the statewide average, which is $2,311 per year.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,868 $551 One speeding ticket, good credit $5,262 $1,054 One at-fault crash, good credit $5,005 $1,003 One DUI, good credit $5,839 $1,165 Clean driving record, poor credit $4,376 $815
Best for bundling auto and home insurance: American Family
Full coverage
$90 /month
Liability only
$23 /month
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AZ, CO, GA, IA, ID, IL, IN, KS, MN, MO, ND, NE, NV, OH, OR, SD, UT, WA, & WI.
Why we like American Family for bundling: If you’re a homeowner, you may be able to get a discounted rate of up to 40% on your combined policies by bundling your home and auto insurance with American Family.
Not only this, but the cost of car insurance from American Family may be much lower than average for safe drivers in Wisconsin. American Family also offers a variety of coverage options, including hidden water damage for your home insurance, and accidental death & dismemberment coverage, gap insurance, and original parts coverage for your car.
Don’t pick American Family if: You don't need homeowners insurance. American Family has a great discount for bundling home and auto policies, but if you want to bundle your auto insurance with another type of coverage (renters insurance, for example), another insurer might offer a better discount than American Family does.
How much is American Family car insurance in Wisconsin? The average cost of car insurance from American Family for someone in Wisconsin with a clean driving record is $90 per month, or $1,083 per year. That’s compared to the statewide average of $2,311 per year.
» Read the full review: American Family auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,083 $271 One speeding ticket, good credit $1,169 $305 One at-fault crash, good credit $1,256 $372 One DUI, good credit $1,256 $348 Clean driving record, poor credit $1,753 $398
Best regional insurance company: IMT
Full coverage
$176 /month
Liability only
$32 /month
IMT only sells car insurance in six states, but it offers robust coverage options and a great online experience.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Available in: IA, IL, MN, NE, SD, & WI.
Why IMT is the best among regional companies: IMT offers car insurance in just six states, including Wisconsin, and there's a lot to like about it. For one, it earns far fewer complaints than expected for its size. This suggests that IMT may handle claims better than other similarly-sized insurers.
IMT could be a relatively affordable pick for some drivers. The insurer may have lower rates than average in Wisconsin for people with clean driving records. IMT also offers a great set of discounts and a few extra coverage options, including new car replacement and pet injury coverage.
Don’t pick IMT if: You want a digital-first experience that will let you to avoid talking with an agent. IMT doesn’t support online quotes, so you’ll need to reach out to someone before you can start a policy.
How much is IMT car insurance in Wisconsin? The average cost of car insurance from IMT for someone in Wisconsin with a clean driving record is $176 per month, or $2,111 per year. That’s compared to the statewide average of $2,311 per year.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,111 $378 One speeding ticket, good credit $2,874 $522 One at-fault crash, good credit $3,068 $594 One DUI, good credit $3,774 $653 Clean driving record, poor credit $2,816 $544
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All of the top-rated insurance companies in Wisconsin
There’s not really one auto insurance company in Wisconsin that’s right for every driver. While GEICO is our pick for the best insurance company for most drivers, your coverage needs, budget, driving history, vehicle and the other drivers in your household can all affect which insurer is the best fit for you.
With this in mind, we chose a few of the top-rated car insurance companies in Wisconsin that we think could match well with certain types of drivers:
Category winner | NerdWallet star rating |
|---|---|
Best overall pick: GEICO | |
Best for budget shoppers: Travelers | |
Best if you have to make a claim: Acuity | |
Best for bundling auto and home insurance: American Family | |
Best regional insurance company: IMT | |
Best for pet owners: Progressive | |
Best mobile app: State Farm | |
Runner-up for the best regional company: Erie | |
Runner-up for bundling auto and home: Amica | |
Best usage-based insurance: Nationwide | |
Best for senior-age drivers: The Hartford | |
Best for military families: USAA* | |
*USAA is available only to members of the military, veterans and their families. | |
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
What to know about car insurance in Wisconsin
Car insurance works similarly in Wisconsin as it does in other states. Like in most states, if you cause an accident in Wisconsin that injures another person, your insurance would cover that person’s injuries — not your own injuries.
Wisconsin requires these types of car insurance:
Bodily injury liability insurance. When you’re at fault for an accident, your bodily injury liability would cover other drivers’ medical expenses. A basic policy in Wisconsin requires at least $50,000 of bodily injury coverage per accident, with up to $25,000 per person.
Property damage liability insurance. Property damage coverage helps to pay for the damage that you do to things that belong to other people, including their cars. A basic policy covers up to $10,000 of property damage per accident.
A basic policy might seem like it provides a lot of coverage, but most drivers need more insurance because causing an accident could leave you on the hook for another driver’s medical bills. And even if you cause an accident without any serious injuries, your basic policy won’t help you pay to repair or replace your car.
Most drivers could benefit from getting comprehensive and collision insurance. These types of car insurance would help cover damage to your car from most causes of damage, including theft, wild animals and even accidents that are your fault.
The average cost of car insurance in Wisconsin is $2,311, but it depends on how much coverage you have and your driving record, as well as other details like your age, where you live, your car and your insurance company.
That said, the cost of car insurance varies from person to person. To get an idea of what you could pay for coverage in your area, enter your ZIP code into our car insurance calculator and get a price estimate.
Estimate full coverage rates by ZIP codeEnter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0Some drivers may have trouble getting car insurance because of a past accident or driving violation. If you can’t get coverage, you could get car insurance through the Wisconsin Automobile Insurance Plan (WAIP).
How to get the best auto insurance in Wisconsin
There are many more insurance companies in Wisconsin than the ones we’ve called out here. If you’re still not sure which one is right for you, or if you want to do some research on your own, then you can follow these steps to find the best car insurance in Wisconsin for you.
Understand the coverage you need. While NerdWallet recommends getting more insurance than what Wisconsin requires, you don’t want to get so much that you’re left paying for coverage you don’t need.
Know the type of company that you’re looking for. Having a handle on what you prefer can help you decide on the right insurer. Some companies work best for people looking for cheap rates, while others are more suited to drivers who are comfortable paying more for robust coverage or consistently reliable claims service.
Be aware of other factors that could affect your best insurer. One particular detail can change the insurer that’s best for you. Factors like the typical number of miles you drive, the other drivers in your home and other factors shape the insurers at the top of your list.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies to be sure that yours is still the best choice for your budget.
Don’t shy away from smaller insurers. A small, regional insurance company in Wisconsin may line up best with your coverage needs and budget. An agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 5, 2026.
- 2.J.D. Power. 2025 U.S. Auto Insurance Study. Accessed Mar 5, 2026.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. 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 only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
