Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
To determine the average cost of basic coverage for car insurance in Wisconsin, we looked at the estimated rates and identified the best rates for different driver profiles and needs.
These calculations were based on a fairly neutral driver profile (no tickets, accidents, or claims) to allow for an even comparison and a baseline view of the rates offered by insurers. Rates will vary depending on several factors, including age, driving record, vehicle type, mileage, and coverage options.
Continue reading to find out about Wisconsin’s average auto insurance rates. We also have our findings on the most affordable options.
Car insurance costs in Wisconsin
The average monthly premium for Wisconsin car insurance is just below $35 and can go up to $175 depending on what type of coverage you choose and who your driver profile is.
Average monthly auto-insurance premiums in Wisconsin
|
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Wisconsin has a minimum state-minimum auto insurance | $35.79 |
| Wisconsin drivers with bad credit | $175.80 |
| Multiple claims drivers in Wisconsin | $67.89 |
| Young drivers in Wisconsin | $60.64 |
Based upon our standard driver profile, minimum coverage, and unless otherwise noted
5 Best Car Insurance Companies in Wisconsin
Based on our Wisconsin driver profile, and minimum coverage, we found five of the most affordable car insurance companies in Wisconsin. (See full methodology for more details). These rates were based on a fairly neutral driver profile. Your cost may vary.
The driver in Wisconsin is between 36-45 years old with a car that’s worth $20,000-$30,000 and a credit score of 680-719. There are no tickets and coverage gaps. We’ve also calculated Wisconsin’s lowest rates for basic coverage for drivers with different credit histories, ages and driving histories.
1. All over the country
Nationwide was the most affordable insurer for our Wisconsin driver with a $19.88 monthly premium on basic coverage. This insurer offers a wide range of additional coverage options that drivers can choose, from bodily injury liability, property damage, personal injury and uninsured/underinsured motorist coverage to collision, comprehensive, rental car expense, towing and gap insurance. Customers have the option to add additional coverages such as accident forgiveness, roadside help, a vanishing or total loss deductible waiver, and a vanishing/underinsured motorist coverage.
See our complete review of Nationwide auto coverage.
2. USAA
USAA could make basic car insurance as affordable as $21.67 per month for a Wisconsin driver profile. USAA members must be members. This membership is available to all U.S. military personnel and their spouses or children. USAA also offers coverage options such as collision and comprehensive insurance.
See our complete review of USAA auto coverage.
3. Geico
Wisconsin drivers could get car insurance rates as low at $21.98 per monthly with basic coverage from Geico. Geico customers can access a mobile app to manage their policies, view ID cards and request roadside assistance. They can even get an estimate for damage. Drivers can also choose from various coverage options, including discounts for safe driving and safety features.
See our complete review of Geico auto coverage.
4. West Bend Mutual
West Bend Mutual may offer basic coverage for Wisconsin driver profiles for as low as $22.42 per monthly. West Bend can provide coverage for your vehicle and home through its Home and Highway policy. West Bend policyholders have the option to add TravelNet roadside support, which includes flat tires, gas delivery, and battery jumpstarts.
5. Rockford Mutual Insurance
Our Wisconsin driver profile could result in car insurance premiums as low as $22.50 per monthly for minimum coverage through Rockford Mutual Insurance. Rockford provides coverage for bodily injury, property damages, legal fees, as well as additional coverages such as collision, comprehensive, rental reimbursement and roadside assistance.
Drivers can also benefit from discounts for students, multivehicle insurance, defensive driving courses and antitheft equipment. They may also be eligible to take advantage of multiple policies and maintain incident- and loss-free driving records.
The cheapest state-minimum auto insurance in Wisconsin
The type of coverage you choose can have an impact on your car insurance costs. State-minimum coverage is the minimum required coverage in your state to get car insurance. This is usually the cheapest type of car insurance.
These five companies provide the lowest rates for Wisconsin drivers who need state-minimum coverage.
5 best car insurance companies in Wisconsin to provide state-minimum coverage
|
1 |
Nationwide |
$19.88 |
|
2 |
USAA |
$21.67 |
|
3 |
Geico |
$21.98 |
|
4 |
West Bend Mutual |
$22.42 |
|
5 |
Rockford Mutual Insurance |
$22.50 |
Based upon our standard driver profile, seeking minimum coverage in Wisconsin
Best car insurance for people with good credit in Wisconsin
Insurers also consider your credit score when determining your car insurance premium. Drivers with higher credit scores generally pay less than those with lower credit scores.
These five insurers may offer the lowest rates for basic insurance to Wisconsin residents with good credit.
The 5 best car insurance companies in Wisconsin to those with good credit
|
1 |
Nationwide |
$15.33 |
|
2 |
State Farm |
$18.04 |
|
3 |
Erie |
$18.47 |
|
4 |
USAA |
$19.03 |
|
5 |
Auto-Owners Insurance |
$19.67 |
Based upon our standard driver profile, adjusted for basic coverage rates for Wisconsin drivers with a credit score greater than 720
Lowest car insurance in Wisconsin for people with poor credit
Although drivers with lower credit scores might end up paying more for car insurance, it is just one factor that insurers take into consideration.
Nationwide might still be the best option for Wisconsin drivers looking for basic coverage and lower credit scores. However, the rates could be slightly higher.
The cheapest car insurance companies Wisconsin are for people with bad credit
|
1 |
Nationwide |
$24.81 |
|
2 |
Geico |
$27.92 |
|
3 |
Hastings Mutual Insurance |
$33.67 |
|
4 |
Integrity Mutual Insuring |
$35.67 |
|
5 |
West Bend Mutual |
$39.42 |
Based upon our standard driver profile, adjusted for basic coverage rates for Wisconsin drivers with a credit score of less than 580
Cheapest car Insurance for Drivers with Multiple Claims in Wisconsin
When calculating the cost for insurance, another thing that insurers consider is your claims history. If you have multiple claims against your records, your car insurance might be more expensive.
These insurers may offer basic coverage that covers Wisconsin drivers who have multiple claims.
5 best car insurance companies in Wisconsin to cover multiple claims
|
1 |
Hastings Mutual Insurance |
$27.33 |
|
2 |
Western National |
$32.83 |
|
3 |
West Bend Mutual |
$33.08 |
|
4 |
Rockford Mutual Insurance |
$37.50 |
|
5 |
Secura Insurance |
$39.13 |
Based upon our standard driver profile, adjusted for basic coverage rates for a Wisconsin driver with 2 claims instead of 0.
Cheapest insurance for young drivers in Wisconsin
In addition to your age, insurance companies also consider your age when pricing your insurance. Insurance companies often consider younger drivers more risky and make them more expensive to insure.
These insurers may offer basic coverage in Wisconsin for drivers between the ages 18 and 21.
5 best car insurance companies in Wisconsin to young drivers
|
1 |
Geico |
$31.61 |
|
2 |
Integrity Mutual Insuring |
$32.67 |
|
3 |
USAA |
$39.63 |
|
4 |
West Bend Mutual |
$39.75 |
|
5 |
Erie |
$40.33 |
Based upon our standard driver profile. Adjusted to show rates for basic coverage for a Wisconsin Driver Age 18-21 instead 36-45
Wisconsin auto insurance requirements
Wisconsin has a $25,000 minimum for each person, and a $50,000 maximum per accident to cover bodily injury liability. You also need $10,000 coverage for property damage. Your coverage obligations will be higher if you have a car lease or loan.
Are you looking for usage-based insurance in Wisconsin ?
Vehicle insurance that is usage-based allows customers to pay premiums according to their driving habits. Drivers in Wisconsin may be able to take advantage of telematics or usage-based insurance programs from their insurers to lower their premiums.
FAQs regarding the lowest car insurance rates in Wisconsin
How much is it cheaper to have car insurance every six or monthly?
Many insurers offer discounts for paying your premium upfront, whether it’s for six months or one year. If you are able to afford it, this discount is sometimes called a paid in-full discount. It could save you money over the long-term.
What is the cost of car insurance in Wisconsin per calendar month?
The average monthly premium for minimum-coverage auto insurance in Wisconsin is just below $35 and can reach $175 depending on what type of coverage you choose and who your driver profile is.
What is the cost of a Wisconsin ticket without insurance?
In Wisconsin, it is illegal to drive without insurance. A car driven without insurance can cost you up to $500. Drivers who don’t have insurance can be stopped by police or involved in an accident and fined up-to $10. Those who present fraudulent proof could face a $5,000 penalty.
Methodology
Based on a profile of a Wisconsin driver aged 36-45, the rates for basic coverage are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no coverage lapses. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an estimated value between $20,000 and $30,000. Rates for insurance for good credit are based on scores above 720. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as your age, driving history, and vehicle driving habits. Full coverage car insurance covers bodily injury, property damages, collision, and comprehensive coverages. The Wisconsin-mandated 25/50/10 policy is included in the average monthly premium for car insurance with minimum coverage.