In a NutshellWhat you pay for car insurance in Wisconsin varies based on several factors, including your credit, age, driving history, vehicle and coverage. We’ve crunched the data to find the average cost of basic car insurance in the Badger State and the lowest-cost insurers for several different driver profiles.
Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Whether you’re heading to a football game at Lambeau Field or hitting amusement parks in Wisconsin Dells, America’s Dairyland offers its residents plenty of places to explore by car. But could you be saving money on your car insurance?
We looked at estimated car insurance rates for basic coverage across several Wisconsin insurance companies to calculate the average cost of car insurance and identify the insurers offering the cheapest rates for several driver needs and profiles.
We based these calculations on a relatively neutral driver profile — no tickets, accidents or claims, for example — to evenly compare and get a baseline view of insurers’ rates (see our full methodology). Your rates will depend on several factors that affect car insurance, like age, driving history, vehicle type, mileage and coverage options.
Read on to learn about Wisconsin’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in Wisconsin
- 5 cheapest car insurance companies in Wisconsin
- Cheapest state-minimum car insurance in Wisconsin
- Cheapest car insurance for good credit in Wisconsin
- Cheapest car insurance for poor credit in Wisconsin
- Cheapest car insurance for drivers with multiple claims in Wisconsin
- Cheapest car insurance for young drivers in Wisconsin
- Wisconsin auto insurance requirements
- Is usage-based insurance available in Wisconsin?
- FAQs about the cheapest car insurance rates in Wisconsin
Cost of car insurance in Wisconsin
Average monthly premiums for car insurance in Wisconsin range from just under $35 up to around $175, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Wisconsin
|Driver or coverage||Avg. monthly cost|
|State-minimum car insurance in Wisconsin||$35.79|
|Drivers with poor credit in Wisconsin||$175.80|
|Drivers with multiple claims in Wisconsin||$67.89|
|Young drivers in Wisconsin||$60.64|
5 cheapest car insurance companies in Wisconsin
We found the five cheapest car insurance companies in Wisconsin, based on our Wisconsin driver profile and minimum coverage (see full methodology for more information). We calculated these rates on a relatively neutral driver profile, so your cost could differ.
Our Wisconsin driver is between 36 and 45 years old, with a car worth $20,000 to $30,000, a credit score between 680 and 719, and no tickets or coverage gaps. But we’ve also calculated Wisconsin’s cheapest rates for basic coverage for drivers of different ages, credit outlooks and driving histories.
We found Nationwide, with a monthly premium of $19.88 per month on basic coverage, to be the cheapest insurer for our Wisconsin driver. 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 can also add special coverages like accident forgiveness, roadside assistance, a vanishing deductible and a total loss deductible waiver.Check out our full review of Nationwide auto insurance.
With USAA, our Wisconsin driver profile could pay as low as $21.67 monthly for basic car insurance. To be insured by USAA, you must have a USAA membership, which is open to U.S. military members and their spouses and children. USAA offers additional coverage options like collision and comprehensive insurance, as well as discounts for safe driving, having good grades and garaging your car on a military base.Check out our full review of USAA auto insurance.
Our Wisconsin driver profile could see car insurance rates as low as $21.98 per month on basic coverage from Geico. Geico customers have access to a robust mobile app that lets them manage their policies, view ID cards, request roadside assistance and even get an estimate for car damage. Plus, drivers can choose from a wide range of additional coverage options, possible discounts for safe driving, safety features and more.Check out our full review of Geico auto insurance.
4. West Bend Mutual
West Bend Mutual could offer our Wisconsin driver profile insurance for as little as $22.42 per month for basic coverage. Through its Home and Highway policy, West Bend can insure your home and your vehicles in one policy. West Bend policyholders can add TravelNet roadside assistance, which covers towing, flat tires, gasoline delivery, battery jumpstarts and more.
5. Rockford Mutual Insurance
Finally, our Wisconsin driver profile could see car insurance premiums for as low as $22.50 per month for minimum coverage through Rockford Mutual Insurance. Rockford covers bodily injury, property damage, medical bills and legal fees, and offers additional coverages like collision, comprehensive, rental reimbursement, roadside assistance, auto loan/lease and trip interruption.
Drivers may also take advantage of discount options for good students, multivehicle policies, defensive driving courses, antitheft equipment, multiple policies, and maintaining incident- and loss-free driving histories.
Cheapest state-minimum car insurance in Wisconsin
One factor affecting car insurance costs is the kind of coverage you select. The cheapest car insurance is often state-minimum car insurance — the bare minimum coverage your state requires you to carry.
These five companies offer the cheapest rates for Wisconsin drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Wisconsin for state-minimum coverage
|4||West Bend Mutual||$22.42|
|5||Rockford Mutual Insurance||$22.50|
Cheapest car insurance for good credit in Wisconsin
Your credit is another factor insurers use to determine your car insurance premium. Generally speaking, drivers with high credit scores pay less than drivers with lower credit scores.
Wisconsin drivers with good credit may find the cheapest rates for basic insurance with these five insurers.
5 cheapest car insurance companies in Wisconsin for those with good credit
Cheapest car insurance for poor credit in Wisconsin
Drivers with lower credit scores may end up paying more for their car insurance than drivers with higher credit scores, though it’s just one of several factors that insurers consider.
Nationwide may still offer the cheapest car insurance for Wisconsin drivers seeking basic coverage with lower credit scores, but the rates may be slightly higher.
5 cheapest car insurance companies in Wisconsin for those with poor credit
|3||Hastings Mutual Insurance||$33.67|
|4||Integrity Mutual Insurance||$35.67|
|5||West Bend Mutual||$39.42|
Cheapest car insurance for drivers with multiple claims in Wisconsin
Another thing insurers look at when calculating the cost of insurance is your claims history. Your car insurance may be more costly if you have multiple claims on your record.
The following insurers could offer the cheapest rates for basic coverage for Wisconsin drivers with multiple claims.
5 cheapest car insurance companies in Wisconsin for multiple claims
|1||Hastings Mutual Insurance||$27.33|
|3||West Bend Mutual||$33.08|
|4||Rockford Mutual Insurance||$37.50|
Cheapest car insurance for young drivers in Wisconsin
Finally, insurers also take your age into consideration when pricing your insurance. Often, younger drivers are considered riskier and are more expensive to insure than older drivers or drivers who have had a chance to establish a clean driving record.
The insurers below may offer the lowest rates for basic coverage for drivers in Wisconsin between the ages of 18 and 21.
5 cheapest car insurance companies in Wisconsin for young drivers
|2||Integrity Mutual Insurance||$32.67|
|4||West Bend Mutual||$39.75|
Wisconsin auto insurance requirements
Wisconsin requires $25,000 per person and up to $50,000 per accident for bodily injury liability and coverage. It also requires $10,000 of coverage for property damage. If you have a car loan or lease, your coverage responsibilities will likely be greater.
Is usage-based insurance available in Wisconsin?
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior. In the state of Wisconsin, drivers may take advantage an insurers’ usage-based insurance, or telematics, programs to save money on their premiums.
FAQs about the cheapest car insurance rates in Wisconsin
Some insurers offer a discount for paying your premium upfront for six months or a year rather than monthly. This is often called a paid-in-full discount and could save you money in the long run if you can afford the up-front cost.
Average monthly premiums for minimum-coverage car insurance in Wisconsin range from just under $35 to around $175, depending on the type of coverage and driver profile.
It’s illegal to drive without insurance in Wisconsin. Driving a car without insurance could cost up to $500. Plus, drivers who fail to show proof of insurance if they’re in an accident or stopped by police could be fined up to $10, and drivers who show fraudulent proof of insurance could pay up to $5,000.
This article’s estimated rates are the lowest for basic coverage based on the profile of a driver age 36 to 45 living in Wisconsin. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history. The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Wisconsin-mandated 25/50/10 insurance policy.