Cheap Car Insurance in Wisconsin for 2022
Wisconsin drivers must have property damage liability and uninsured motorist coverage.
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UPDATED: Sep 27, 2022
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Wisconsin car insurance rates are lower than the national average but vary by age, driving record, credit score, and location.
More: Best Cheap Auto Insurance in Menomonie, WI (2022)
Coverage amount also affects rates. Though WI drivers only need the minimum liability and uninsured motorist coverages, most find the requirements don’t fulfill their needs.
While full coverage is more expensive, Wisconsin rates are still below average. So shop around to find the coverage you need with the lowest rates.
Keep reading to learn more about cheap car insurance in Wisconsin and see what factors affect your rates.
Table of Contents
How much is car insurance in Wisconsin?
More: Best Cheap Auto Insurance in Manitowoc, WI (2022)
While car insurance in Wisconsin is much lower than the national average, many factors affect car insurance rates. Each car insurance company weighs your factors differently, and insurers’ rates vary.
Your coverage amount significantly impacts your insurance rates. While Wisconsin’s mandatory coverage requirements are low, they might not offer you adequate protection.
Wisconsin only requires a small amount of liability coverage, covering bodily injuries and property damage to others. Full coverage includes Wisconsin requirements, collision, and comprehensive coverage to pay for vehicle damages.
More: Best Cheap Auto Insurance in Sheboygan, WI (2022)
This table shows average car insurance rates in Wisconsin for liability-only and full coverage.
| Insurance Company | Average Minimum Coverage Rates | Average Full Coverage Rates |
|---|---|---|
| Allstate | $605 | $1,993 |
| American Family | $582 | $1,386 |
| Farmers | $674 | $1,674 |
| GEICO | $290 | $984 |
| Liberty Mutual | $771 | $2,120 |
| Nationwide | $588 | $1,445 |
| Progressive | $484 | $1,310 |
| State Farm | $408 | $1,091 |
| Travelers | $471 | $1,287 |
| USAA | $238 | $753 |
| Average | $541 | $1,477 |
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USAA typically offers the cheapest rates for each coverage type, but it’s only available to military members and their families. GEICO offers the most affordable insurance to all drivers in Wisconsin for all coverage types.
While full coverage is more expensive than liability coverage, you’ll pay less out of pocket to repair your vehicle.
How does your age affect Wisconsin car insurance rates?
Your age also affects your rates since young drivers lack experience and are more likely to be in accidents. Conversely, older, more experienced drivers typically see much lower rates.
This table shows average Wisconsin car insurance rates from top companies based on age and gender.
| Age and Gender | Allstate | American Family | Farmers | GEICO | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | National Average |
|---|---|---|---|---|---|---|---|---|---|---|
| 18 Y/O Male w/a Clean Record | $6,223 | $4,684 | $7,238 | $3,043 | $7,593 | $4,646 | $7,941 | $3,408 | $8,750 | $5,947 |
| 18 Y/O Female w/a Clean Record | $5,381 | $3,452 | $6,879 | $2,635 | $6,335 | $3,632 | $7,090 | $2,750 | $6,271 | $4,936 |
| 30 Y/O Male w/a Clean Record | $2,118 | $1,545 | $1,925 | $1,041 | $2,373 | $1,667 | $1,633 | $1,234 | $1,274 | $1,646 |
| 30 Y/O Female w/a Clean Record | $2,021 | $1,310 | $1,843 | $1,078 | $2,072 | $1,519 | $1,569 | $1,122 | $1,173 | $1,523 |
| 45 Y/O Male w/a Clean Record | $1,919 | $1,319 | $1,595 | $962 | $2,066 | $1,376 | $1,261 | $1,032 | $1,169 | $1,411 |
| 45 Y/O Female w/a Clean Record | $1,941 | $1,304 | $1,602 | $958 | $2,034 | $1,355 | $1,340 | $1,032 | $1,154 | $1,413 |
| 55 Y/O Male w/a Clean Record | $1,820 | $1,251 | $1,513 | $912 | $1,959 | $1,305 | $1,196 | $978 | $1,109 | $1,338 |
| 55 Y/O Female w/a Clean Record | $1,841 | $1,237 | $1,519 | $909 | $1,929 | $1,285 | $1,271 | $978 | $1,095 | $1,341 |
| 65 Y/O Male w/a Clean Record | $1,878 | $1,291 | $1,561 | $941 | $2,022 | $1,347 | $1,234 | $1,010 | $1,145 | $1,381 |
| 65 Y/O Female w/a Clean Record | $1,900 | $1,276 | $1,568 | $938 | $1,991 | $1,327 | $1,312 | $1,010 | $1,130 | $1,383 |
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Young Wisconsin drivers pay almost 300% more than older drivers. In addition, unmarried male drivers also pay higher rates than married female drivers. Unmarried or male drivers tend to take more risks and are more likely to be in accidents.
Does an accident affect Wisconsin auto insurance rates?
Your driving record significantly impacts car insurance rates. Accidents and tickets indicate you’ll likely cost the insurance company money. As a result, your rates are much higher than drivers with a clean driving record.
This table shows how much an accident affects your car insurance rates in Wisconsin.
| Insurance Company | Rates with an Accident | Rates with a Clean Record |
|---|---|---|
| Allstate | $2,848 | $1,993 |
| American Family | $2,000 | $1,386 |
| Farmers | $2,383 | $1,674 |
| GEICO | $1,595 | $984 |
| Liberty Mutual | $2,840 | $2,120 |
| Nationwide | $1,983 | $1,445 |
| Progressive | $2,284 | $1,310 |
| State Farm | $1,285 | $1,091 |
| Travelers | $1,888 | $1,287 |
| Average | $2,123 | $1,477 |
Although drivers with accidents on their driving records pay higher rates, it’s not forever. Accidents and tickets stop affecting insurance rates after three to five years in Wisconsin.
So, even if your car insurance rates are higher because of an accident, they go down in five years if you avoid adding more infractions.
How does a DUI affect your Wisconsin car insurance?
A DUI affects car insurance rates much more than an accident or ticket. In addition, a DUI stays on your record for up to 10 years, meaning your rates are significantly higher for a decade.
This table shows average Wisconsin rates for drivers with a DUI from top car insurance companies.
| Insurance Company | Rates with a DUI | Rates with a Clean Record | ||
|---|---|---|---|---|
| Allstate | $3,638 | $1,993 | ||
| American Family | $2,124 | $1,386 | ||
| Farmers | $2,296 | $1,674 | ||
| GEICO | $2,566 | $984 | ||
| Liberty Mutual | $3,900 | $2,120 | ||
| Nationwide | $3,028 | $1,445 | ||
| Progressive | $1,760 | $1,310 | ||
| State Farm | $1,490 | $1,091 | ||
| Travelers | $2,765 | $1,287 | ||
| Average | $2,619 | $1,477 | ||
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Each car insurance company weighs a DUI differently and offers different rates. While you can expect significantly higher rates regardless, you may be able to find affordable coverage by shopping around.
How does your credit score affect auto insurance in Wisconsin?
Many drivers aren’t aware that their credit score affects car insurance rates. Insurance companies believe drivers with poor credit are more likely to file a claim and be unable to pay for damages out of pocket.
This table shows how Wisconsin car insurance rates vary based on credit scores.
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| American Family | $2,432 | $1,635 | $1,386 |
| Farmers | $3,233 | $1,926 | $1,674 |
| GEICO | $1,781 | $1,197 | $984 |
| Liberty Mutual | $4,256 | $2,712 | $2,120 |
| Nationwide | $1,988 | $1,595 | $1,445 |
| Progressive | $2,471 | $1,655 | $1,310 |
| State Farm | $2,398 | $1,411 | $1,091 |
| Travelers | $2,323 | $1,534 | $1,287 |
| Allstate | $3,551 | $2,362 | $1,993 |
| Average | $2,715 | $1,781 | $1,477 |
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Wisconsin drivers with poor credit pay significantly higher rates. Fortunately, drivers can lower car insurance rates by improving their credit scores.
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How do WI car insurance rates change by the city?
Where you live also affects insurance rates. Drivers living in a city with a high theft rate or a large traffic volume see higher rates since they’re more likely to file a claim. For example, car insurance in Milwaukee is much higher than in rural areas.
Although Milwaukee auto insurance quotes are the most expensive, you can find the cheapest coverage in Ashwaubenon. Areas with lower crime and traffic also tend to see lower rates.
What car insurance coverages does Wisconsin require?
Like most states, drivers in Wisconsin must carry a minimum amount of car insurance to drive legally. However, minimums usually aren’t sufficient to cover damages.
The minimum car insurance coverage in Wisconsin is:
- Bodily injury liability: $25,000 per person
- Bodily injury liability: $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured motorist property damage: $25,000 per person
- Uninsured motorist property damage: $50,000 per accident
Wisconsin minimums don’t offer much protection. While it pays for damages to others, or if an uninsured motorist hits you, it doesn’t protect your vehicle in most cases.
For example, if you cause an accident and your vehicle gets damaged, your minimum Wisconsin car insurance won’t cover it. The same is true if your car gets stolen, vandalized, or damaged by acts of nature like hail, floods, or fire.
Experts recommend drivers carry full coverage — including Wisconsin’s minimum requirements, comprehensive, and collision coverage — to protect their vehicles.
In addition, consider medical payments, rental car reimbursement, roadside assistance, and underinsured motorist bodily injury coverages for the most protection.
While adding coverage raises your rates, you’ll pay less out of pocket if your car gets damaged.
What happens if you drive without car insurance in Wisconsin?
Car insurance is mandatory in Wisconsin, and failing to carry at least the minimum coverage leads to hefty fines.
Fines related to no proof of car insurance include:
- $500 fine for operating a motor vehicle without insurance
- $10 fine for drivers and owners who can’t show proof of insurance at the time of the accident or traffic stop
- Up to a $5,000 fine for offering fraudulent proof of insurance
Although you don’t have to show proof of Wisconsin car insurance when getting a license or registering your vehicle, you’ll have to show proof of insurance if you’re stopped by the police or have an accident.
You must also show proof of insurance when reinstating a suspended or revoked driver’s license.
Can you get SR-22 insurance in Wisconsin?
Yes, SR-22 insurance is available in Wisconsin. SR-22 is a form filed by your car insurance company showing the state of Wisconsin you have at least the minimum amount of car insurance required.
Drivers with a DUI, multiple accidents, a car insurance lapse or too many points on their driver’s license may need SR-22 insurance. While the form is inexpensive, car insurance rates skyrocket for drivers with SR-22 insurance.
SR-22 insurance is easy to obtain since many top insurance companies offer coverage. However, not all companies provide SR-22, so you may have to shop around to find an insurer.
If you don’t currently have car insurance, it may be trickier to find SR-22 insurance. Not only will you have to find a company to insure you, but you’ll also see even higher rates with a continuous car insurance history.
Drivers who need SR-22 insurance and don’t have a vehicle may consider non-owner coverage. This coverage allows you to meet the Wisconsin minimums and legally drive, but car damage isn’t covered if you’re in an accident.
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Cheap Car Insurance in Wisconsin: The Bottom Line
While car insurance in Wisconsin is cheaper than the national average, rates vary by driver. Coverage amounts, age, driving record, credit score, and location affect your rates.
Wisconsin only requires drivers to carry 25/50/10 in liability coverage and 25/50 in uninsured motorist coverage, but coverage limits are very low, and don’t pay for your vehicle damages. So consider full coverage to protect your car adequately.
Whether you have a spotless driving record or need SR-22 insurance, shop around to find the best car insurance in Wisconsin. Every company offers different rates, so compare multiple companies to find your best deal.
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Frequently Asked Questions
What company offers the cheapest car insurance in Wisconsin?
While USAA generally has the cheapest rates, coverage is only available for the military and their family members. Therefore, the best auto insurance in Wisconsin depends on personal factors.
For example, drivers with a DUI may choose a different insurer than someone with a clean driving record. Since each insurance company offers different rates, shop around to find the best company that meets your needs.
What are the average monthly car insurance rates in Wisconsin?
Generally, rates range from around $30 to $60 monthly, depending on your coverage. However, each driver receives a different quote since personal factors vary widely.
Do you have to have car insurance in Wisconsin?
Yes, Wisconsin requires drivers to carry the minimum amount of liability and uninsured motorist coverage. While the 25/50/10 requirements are less expensive, full coverage offers greater protection for your vehicle.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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