A Comprehensive Guide to Cheap Car Insurance, Wisconsin, 2025
This guide breaks down the cheapest car insurance options in Wisconsin, including average rates, top low-cost companies, age-based pricing, coverage levels, and high-risk driver rates. Learn what affects your premium and how to secure the most affordable policy for your needs.
Wisconsin drivers can benefit from cheap auto insurance. Car insurance rates vary, meaning it can get quite expensive for certain drivers, such as teenagers and those with poor driving histories. This blog will help you get affordable car insurance based on your profile by comparing multiple companies and providing tips for getting the cheapest rates.
Average Rates for Car Insurance in Wisconsin
According to US News, Wisconsin is the 10th cheapest state for auto insurance in the US. Drivers in the state pay an average of $1,673 per year for car insurance.
Wisconsin's cheap rates can be explained by the state's low rates of vandalism and auto theft compared to other parts of the nation. It is one of the more rural areas of the country, which means a lower risk of traffic crimes and theft.
Still, auto insurance rates in Wisconsin vary depending on factors such as driving history and driver profile. Compare car insurance quotes with us to find the most affordable choice for your situation.
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Factors Affecting Car Insurance Rates in Wisconsin
Numerous factors determine the cost of your car insurance in Wisconsin. They include:
- Driving Record: Accidents, speeding tickets, and DUIs increase your auto insurance rates. A clean driving history, on the other hand, often results in lower rates.
- Age and Gender: Younger drivers (especially teens) and male drivers tend to face higher insurance rates due to higher risk profiles. Rates generally decrease as drivers age, especially after age 25.
- Vehicle Type: The make, model, and year of your car also affect your premiums. Luxury sports and high-performance cars often cost more to insure because they have high repair and replacement costs.
- Location: Where you live matters. Urban areas or regions with high traffic density or accident statistics usually have higher premiums. Rural areas, on the other hand, may offer lower rates.
- Credit History: In Wisconsin, drivers with poor credit often pay higher premiums, as insurers view them as higher-risk customers.
- Coverage Levels: Higher coverage limits and optional insurance (such as comprehensive and collision coverage) increase premiums, while minimal liability coverage reduces costs.
- Mileage: The more you drive, the higher your risk of an accident, which can raise your rates. Low-mileage drivers often qualify for discounts.
- Claims History: A history of frequent claims can increase your premium, as insurers may view you as a higher risk.
- Insurance Company: Rates can vary between insurers, even for the same coverage. Always compare car insurance quotes to find the best price for your needs.
Cheapest Car Insurance, Wisconsin: By Coverage Level
Your car insurance coverage level affects the total cost. In Wisconsin, the minimum liability policy is cheaper than full coverage.
If you want the cheapest car insurance in Wisconsin and are only willing to carry the state minimum liability insurance, you can find the best rates with Geico at $233 per month.
The jump from minimum to full coverage often costs extra. The cheapest full-coverage company is Travelers at $927 per year.
| Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Geico | $233 | $1,251 |
| Travelers | $318 | $927 |
| Erie | $289 | $1,547 |
Source: The Cheapest Car Insurance Companies in Wisconsin (Bankrate)
Cheapest Auto Insurance, Wisconsin: By Age Groups
Age affects your car insurance premiums, often in four age groups as follows:
Teen Drivers (17 Years Old)
Because teenagers are high‐risk, they often get the highest premiums out of any age group. The cheapest Wisconsin auto insurance for a teen driver is USAA at $2,802 per year for females and $3,246 per year for males.
However, since USAA is only available to drivers in the military community, teen drivers can find the next cheapest rates with Erie at $3,298 for females and $3,941 for males.
| Company | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|
| USAA | $2,802 | $3,246 |
| Erie | $3,298 | $3,941 |
| Travelers | $3,718 | $4,519 |
| Auto-Owners | $4,057 | $5,130 |
Source: Cheapest Car Insurance in Wisconsin for 2025 (US News)
Young Adults (25 Years Old)
Young adults pay lower rates than teens because they have better driving experience. Multiple insurers offer competitive rates, especially for good drivers. The cheapest rates, however, are USAA and Geico. USAA offers $1,140 for females and $1,242 for males per year, while Geico offers $1,163 (females) and $1,211 (males) annually.
| Company | 25-Year-Old Female | 25-Year-Old Male |
|---|---|---|
| USAA | $1,140 | $1,242 |
| Geico | $1,163 | $1,211 |
| Travelers | $1,173 | $1,233 |
| Erie | $1,923 | $1,749 |
Source: Cheapest Car Insurance in Wisconsin for 2025 (US News)
Adults (40 Years Old)
Once you reach 40, your car insurance rates should decrease. Providers view people in this group as less of a risk to insure because of extensive driving experience. The cheapest rates are from USAA: $893 for males and $880 for females. If you do not qualify for USAA, the next-cheapest company is Travelers, at $1,005 for females and $1,058 for males.
| Company | 40-Year-Old Female | 40-Year-Old Male |
|---|---|---|
| USAA | $893 | $880 |
| Geico | $1,142 | $1,239 |
| Travelers | $1,005 | $1,058 |
| Erie | $1,299 | $1,241 |
Source: Cheapest Car Insurance in Wisconsin for 2025 (US News)
Senior Drivers (60 Years Old)
Senior drivers also get low premiums and discounts for low mileage. The cheapest rates, however, are from USAA at $830 for females and $840 for males. If you do not qualify for USAA, consider Travelers, which offers the second-lowest rates of $890 for females and $946 for males.
| Company | 60-Year-Old Female | 60-Year-Old Male |
|---|---|---|
| USAA | $830 | $840 |
| Travelers | $890 | $946 |
| Erie | $1,143 | $1,071 |
| Geico | $1,146 | $1,262 |
Source: Cheapest Car Insurance in Wisconsin for 2025 (US News)
Cheap Car Insurance in Wisconsin For High‑Risk Drivers
High‑risk drivers are those with tickets, accidents, and DUIs on their record. They often pay more than those with clean driving records. However, they can still find affordable rates from various companies.
Drivers with a Speeding Ticket
One speeding ticket can raise your rate by several hundred dollars per year. USAA has the lowest car insurance rates in this category at $1,134 per year. Travelers has the second lowest, at $1,419.
Drivers with an At-Fault Accident
An at‑fault car accident in Wisconsin can increase your premium by 50% or more. At $1,389 per year, USAA has the lowest rate for drivers in this category. If you do not qualify for USAA, consider Travelers, the next-cheapest option at $1,480 per year.
Drivers with a DUI
A DUI in Wisconsin automatically puts you in a high‐risk class, meaning higher premiums. Travelers offers the cheapest rates for this category at $1,599 per annum.
The following companies also cater to high-risk drivers:
| Company | Speeding Ticket | Accident | DUI |
|---|---|---|---|
| USAA | $1,134 | $1,389 | $1,772 |
| Travelers | $1,419 | $1,480 | $1,599 |
| Geico | $1,810 | $2,117 | $2,348 |
| Erie | $1,556 | $1,945 | $2,333 |
Source: Cheapest Car Insurance in Wisconsin for 2025 (US News)
Cheap Auto Insurance, Wisconsin by Credit History
Your credit history can influence your premium in Wisconsin. However, state law prohibits insurers from using credit information as the sole basis for refusing an application or for non-renewing an existing coverage policy.
Drivers with good credit often get the best rates, with the lowest being USAA and Travelers at $971 and $1,051 per year, respectively. Similarly, those with a bad credit history will find the lowest average rates with Travelers at $1,673 per year.
| Company | Poor Credit | Good Credit |
|---|---|---|
| Travelers | $1,673 | $1,051 |
| USAA | $1,777 | $971 |
| Geico | $1,845 | $1,194 |
| State Farm | $2,159 | $2,112 |
Source: Cheapest Car Insurance in Wisconsin for 2025 (US News)
Cities with the Cheapest Wisconsin Car Insurance
Location within the state can also affect auto insurance rates. Urban vs rural, crime rates, claim history, and traffic density all matter.
For example, if you live in a less congested area, you may benefit from lower premiums. On the other hand, if you are in a major metro like Milwaukee or Green Bay, you can expect higher rates. The cheapest auto insurance rates in Wisconsin by city are:
| City | Annual Minimum Coverage | Cheapest Car Insurance Carrier |
|---|---|---|
| Hewitt | $368 | Geico |
| Plover | $367 | Geico |
| Rudolph | $369 | Geico |
| Tomahawk | $359 | Geico |
| Marshfield | $365 | Geico |
Source: The Cheapest Car Insurance Companies in Wisconsin (Bankrate)
Wisconsin Auto Insurance Requirements
Wisconsin law requires drivers to carry liability insurance. Minimum liability coverage in the state must include at least:
- $25,000 for bodily injury or death of one person
- $50,000 for bodily injury or death of two or more people in one accident
- $10,000 for property damage liability.
- $25,000 per person and $50,000 per accident (bodily injury uninsured motorist coverage)
Bodily injury liability insurance covers the medical expenses of the other people you injure in an at-fault accident. Property damage liability, on the other hand, covers repair and replacement costs for damaged property. Bodily injury uninsured motorist coverage covers you if you are in an accident with an uninsured driver.
These minimum amounts are sometimes not enough to cover costs in serious accidents. Most drivers get higher limits and optional coverage for more financial protection.
Additional Coverages in Wisconsin
Beyond the state's required coverage, Wisconsin drivers can add optional insurance for more protection. They include:
1. Collision Coverage
This insurance pays for damage to your own vehicle from a collision, regardless of fault. It is optional in Wisconsin, but it is often required if you lease or finance your vehicle.
2. Comprehensive Coverage
Comprehensive covers loss or damage from theft, fire, vandalism, hitting an animal, and weather events. It is optional under state law, but because Wisconsin has weather‑related damage potential, adding comprehensive coverage may make sense.
3. Medical Payments Coverage
MedPay covers medical or funeral expenses for you or your passengers after an accident, regardless of fault.
FAQs
Is It Illegal to not Have Insurance on your Car in Wisconsin?
Yes. Wisconsin drivers must maintain the required minimum insurance coverage while the vehicle is registered. If you're caught driving a car without the required insurance, you may face fines and suspension of your driver's license/vehicle registration.
How Do I Show Proof of Insurance in Wisconsin?
Acceptable proof can include an electronic or paper insurance card issued by your provider.
What Is the Best Car Insurance in Wisconsin?
The best insurance company often depends on factors such as driving history and driver profile. For example, USAA often offers cheap auto insurance in Wisconsin to military drivers and their family members. On the other hand, Travelers is the best choice for many drivers, such as adults and those with poor credit. Always compare quotes from multiple companies to find the best rates.
How Do I Get the Cheapest Car Insurance in Wisconsin?
Maintain a clean driving record, improve your credit score, raise your deductible if you can afford the risk, and ask about available discounts. Also, always compare car insurance quotes with us to get the best rates.
How Do I Get a Car Insurance Quote in Wisconsin?
Collect the relevant info: driver’s age, driving record, vehicle make/model/year, mileage, coverage preferences (liability limits, deductible, optional coverages). Then, contact insurance companies directly or use our services.
Why Is My Wisconsin Car Insurance So Expensive?
It could be because you are a young driver or have a history of traffic violations. It could also be because you are only comparing limited options. We compare car insurance quotes from multiple top companies to help you find the cheapest rates.
