AAA offers the most affordable minimum coverage at just $20 monthly or $243 annually — a $185 savings compared to the typical annual cost in the state. Rates are based on December 2024 data from Quadrant Information Services. Read our research methodology to learn how we found the cheapest Wisconsin car insurance.
Cheapest Car Insurance in Wisconsin
Updated: January 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
As of December 2024, AAA, American Family, Acuity, GEICO and Travelers are Wisconsin's cheapest car insurance companies.
American Family offers the lowest full coverage rate at $47, while AAA provides the cheapest minimum coverage at $20.
On average, drivers pay $89 monthly for full coverage and $36 for minimum coverage in Wisconsin.
What Is the Cheapest Car Insurance in Wisconsin?
Cheapest Car Insurance Companies in Wisconsin
AAA is the cheapest car insurance company for most drivers, with an average monthly rate of $34 for minimum and full coverage policies, $28 less than the state average. Other affordable options include American Family, Acuity, GEICO and Travelers.
*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car Insurance Rates in Wisconsin
AAA offers the cheapest minimum coverage car insurance in Wisconsin. For full coverage, American Family has the lowest rates. Western National provides the best rates for drivers with bad credit, DUIs, accidents or speeding tickets. Your rate will vary based on your driver profile.
| Minimum Coverage | AAA | $20 |
| Full Coverage | American Family | $47 |
| Drivers With Bad Credit | Western National | $25 |
| Drivers With a DUI | Western National | $25 |
| Drivers With an Accident | Western National | $25 |
| Drivers With a Speeding Ticket | Western National | $25 |
Cheapest Minimum Coverage Car Insurance in Wisconsin
AAA offers the cheapest minimum coverage in Wisconsin at $20 monthly. Other affordable options include GEICO, Acuity, Western National and Erie. The table below compares these options with the state average.
| AAA | $20 | $15 |
| GEICO | $22 | $13 |
| Acuity | $23 | $13 |
| Western National | $24 | $12 |
| Erie | $24 | $11 |
| American Family | $26 | $9 |
| Travelers | $30 | $6 |
| West Bend Mutual | $30 | $5 |
| Auto-Owners Insurance Co | $31 | $5 |
| Progressive | $33 | $3 |
| Chubb | $35 | $1 |
| State Farm | $36 | $0 |
Cheapest Full Coverage Car Insurance in Wisconsin
American Family is the cheapest full coverage auto insurance provider in Wisconsin, with rates averaging $47 per month ($564 per year), $42 less than the state average. Check the table below for other options.
| American Family | $47 | $42 |
| AAA | $47 | $42 |
| Acuity | $57 | $32 |
| Travelers | $58 | $30 |
| GEICO | $59 | $30 |
| Erie | $65 | $24 |
| West Bend Mutual | $70 | $19 |
| IMT Insurance Company | $77 | $12 |
| Auto-Owners Insurance Co | $78 | $10 |
| Chubb | $80 | $9 |
| Nationwide | $88 | $0 |
Cheapest Car Insurance in Wisconsin for Young Drivers
In Wisconsin, GEICO offers the best auto insurance rates for young adults. A 25-year-old can expect to pay around $25 monthly for minimum coverage.
| GEICO | $25 | $21 |
| American Family | $32 | $14 |
| Acuity | $32 | $14 |
| AAA | $33 | $13 |
| Travelers | $33 | $13 |
| Erie | $34 | $13 |
| Progressive | $38 | $8 |
| Western National | $39 | $8 |
| Auto-Owners Insurance Co | $39 | $7 |
| State Farm | $43 | $4 |
| West Bend Mutual | $44 | $2 |
*To determine the cheapest provider, we used minimum coverage for a 25-year-old driver with good credit and no driving violations.
Cheapest Car Insurance Rates for Young Drivers in Wisconsin
GEICO and American Family offer some of the cheapest auto insurance options for young adults in the Badger State. While your premium might change based on your driving record and other factors, the rates and companies listed below are a great starting point for finding affordable coverage.
| GEICO | Minimum Coverage | $25 |
| American Family | Full Coverage | $56 |
| American Family | Drivers With Bad Credit | $32 |
| American Family | Drivers With a DUI | $37 |
| American Family | Drivers With an Accident | $32 |
| GEICO | Drivers With a Speeding Ticket | $30 |
Cheapest Car Insurance in Wisconsin for Seniors
Western National offers the most affordable auto insurance rates for seniors in Wisconsin. The average monthly cost of minimum coverage for 65-year-olds is $24.
| Western National | $24 | $13 |
| Acuity | $25 | $13 |
| GEICO | $25 | $12 |
| AAA | $26 | $11 |
| Erie | $26 | $11 |
| American Family | $30 | $7 |
| Progressive | $31 | $6 |
| Travelers | $31 | $6 |
| Auto-Owners Insurance Co | $32 | $5 |
| State Farm | $34 | $4 |
| IMT Insurance Company | $34 | $3 |
| Chubb | $34 | $3 |
*To determine the cheapest provider, we used minimum coverage for a 65-year-old driver with good credit and no driving violations.
Cheapest Car Insurance Rates for Seniors in Wisconsin
For seniors in Wisconsin, Western National often has the cheapest rates for minimum coverage, bad credit, DUIs, accidents and speeding tickets at around $24 monthly. American Family offers the most affordable full coverage at $49. Your quote may vary, but use these rates to guide your car insurance shopping.
| Western National | Minimum Coverage | $24 |
| American Family | Full Coverage | $49 |
| Western National | Drivers With Bad Credit | $24 |
| Western National | Drivers With a DUI | $24 |
| Western National | Drivers With an Accident | $24 |
| Western National | Drivers With a Speeding Ticket | $24 |
Cheap Auto Insurance for High-Risk Drivers in Wisconsin
Wisconsin drivers with a DUI, at-fault accident or speeding ticket are considered high-risk and typically face higher car insurance costs compared to those with clean records. Rates vary by offense. Below are the best car insurance options for high-risk drivers.
Cheapest Car Insurance in Wisconsin With a DUI
Western National offers the best rates for Wisconsin drivers with DUIs, averaging $25 per month ($296 per year) for minimum coverage. The table below lists insurance providers and their average monthly premiums for drivers with DUIs.
| Western National | $25 | $33 |
| American Family | $35 | $23 |
| Progressive | $39 | $19 |
| State Farm | $39 | $18 |
| Chubb | $40 | $18 |
| Erie | $41 | $16 |
| Travelers | $45 | $12 |
| Kemper | $57 | $0 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in Wisconsin With an Accident
With rates averaging $25 per month ($297 per year), Western National is the cheapest company for drivers after an at-fault accident. The table below shows other insurers offering affordable coverage. Rates are for minimum coverage policies.
| Western National | $25 | $30 |
| American Family | $30 | $25 |
| Erie | $34 | $21 |
| GEICO | $37 | $18 |
| Auto-Owners Insurance Co | $38 | $17 |
| AAA | $39 | $15 |
| Chubb | $40 | $15 |
| Travelers | $41 | $14 |
| State Farm | $43 | $12 |
| West Bend Mutual | $50 | $4 |
| Acuity | $52 | $3 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in Wisconsin With a Speeding Ticket
Western National offers the cheapest insurance for Wisconsin drivers with speeding tickets, averaging $25 per month. Check the table below to compare providers offering minimum coverage.
| Western National | $25 | $22 |
| Erie | $27 | $20 |
| GEICO | $27 | $20 |
| AAA | $32 | $15 |
| American Family | $35 | $12 |
| Auto-Owners Insurance Co | $35 | $12 |
| Travelers | $39 | $8 |
| State Farm | $39 | $8 |
| Acuity | $39 | $8 |
| Chubb | $40 | $7 |
| Progressive | $46 | $1 |
| West Bend Mutual | $46 | $1 |
*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in Wisconsin for Drivers With Bad Credit
Western National is the cheapest car insurance provider for drivers with poor credit scores. Minimum coverage averages $25 monthly ($296 annually). Review the table below for more options.
| Western National | $25 | $32 |
| Acuity | $26 | $31 |
| Erie | $27 | $30 |
| AAA | $28 | $29 |
| American Family | $30 | $27 |
| GEICO | $32 | $25 |
| West Bend Mutual | $36 | $21 |
| Chubb | $40 | $18 |
| IMT Insurance Company | $40 | $17 |
| Travelers | $47 | $10 |
| Progressive | $55 | $3 |
*These rates are based on a 40-year-old driver with bad credit and a clean driving record.
Cheapest Car Insurance in Wisconsin by City
Location affects car insurance rates, with factors like population, flood risks and crime influencing costs.
For example, Erie offers minimum coverage in Green Bay for $19 a month, while AAA charges $31 in Milwaukee. Look at the table below for the cheapest company in your city and its lowest average monthly premium.
*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in Wisconsin
Wisconsin's most affordable option to bundle home and auto insurance is State Farm at $1,621 annually. The table below shows more cheap companies for bundling policies.
| State Farm | $1,621 |
| Travelers | $1,691 |
| Nationwide | $1,949 |
| Allstate | $2,024 |
| Farmers | $2,716 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
How Much Does Car Insurance Cost in Wisconsin?
In Wisconsin, drivers pay about $89 monthly for full coverage and $36 for minimum coverage. Understanding the average cost of car insurance in Wisconsin can help you determine whether your current rate is reasonable.
Wisconsin Car Insurance Cost by City
Wisconsin's car insurance rates vary by city. Below are the average costs of state minimum and full coverage.
| Green Bay | $34 | $77 |
| Madison | $38 | $88 |
| Milwaukee | $59 | $131 |
Is Car Insurance in Wisconsin Expensive?
Wisconsin ranks 41st among U.S. states for car insurance costs, making it more affordable. Factors include low population density, fewer weather-related disasters and a below-average vehicle theft rate.
Wisconsin Car Insurance Minimum Requirements
Wisconsin law requires drivers to have minimum coverage limits: $25,000 for bodily injury per person, $50,000 per accident and $10,000 for property damage. Uninsured/underinsured motorist coverage is also mandatory, with limits of $25,000 per person and $50,000 per accident.
Comprehensive and collision coverage may also be required if you finance or lease your vehicle. While minimum coverage is the cheapest option, it offers the least protection. For better financial security, experts recommend opting for full coverage with the highest deductible and liability limits you can afford.
Bodily injury liability
It covers medical expenses, legal fees and lost wages for others if you're at fault in an accident. Minimum limits are $25,000 per person and $50,000 per accident.
Property damage liability
This helps cover repair costs for vehicles or other property you damage. The minimum limit is $10,000 per accident.
Uninsured/Underinsured motorist coverage
It helps cover medical expenses and damage if the at-fault driver lacks sufficient insurance. Minimum limits are $25,000 per person and $50,000 per accident.
Drivers with serious traffic violations, like speeding or drunk driving, may need to file for SR-22 insurance, which can increase premiums. In Wisconsin, you or your insurance company can submit the SR-22 form. It remains valid for three years from your most recent offense.
Alternative Ways to Satisfy Wisconsin Car Insurance Requirements
A surety bond is the most common car insurance alternative in Wisconsin. It guarantees payment up to a certain amount if you cause an accident, satisfying the state's minimum coverage requirements.
For business owners, self-insurance is an option. This involves proving you have enough money to cover potential accident claims. It's like setting aside a fund to pay for damage instead of paying a monthly premium to an insurer.
How Much Car Insurance Should I Get in Wisconsin?
MoneyGeek recommends full coverage car insurance, which includes liability, collision and comprehensive coverages. We suggest the following liability limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage pays for off-road damage to your car from things like theft, vandalism or severe weather. Collision coverage helps pay for your car's damage if you're in an on-road crash.
If you own a valuable car, MoneyGeek suggests getting both comprehensive and collision insurance, even though it's not legally required. Choose a deductible for these coverages that fits your budget before insurance pays the rest.
Cheap Car Insurance in Wisconsin: Bottom Line
American Family offers full coverage for $47 monthly, while AAA has the cheapest state minimum at $20. While saving money is important, the cheapest insurance might not provide enough protection. Experts recommend getting as much coverage as you can afford.
Cheap Car Insurance in Wisconsin: FAQ
We answer common questions about Wisconsin's affordable car insurance to help you find the right plan for your needs.
What are the cheapest car insurance companies in Wisconsin?
American Family offers the most affordable full coverage auto insurance in Wisconsin at roughly $47 per month. For minimum coverage, AAA is the cheapest option at just $20 per month.
Who has the cheapest car insurance rates for young drivers in Wisconsin?
GEICO offers the most affordable car insurance rates for young drivers in Wisconsin, with an average monthly rate of $25 — a savings of $21 compared to the state average.
Who offers the cheapest car insurance rates for seniors in Wisconsin?
Western National provides affordable car insurance for Wisconsin seniors, with an average monthly rate of $24, which is $13 below the state average.
Should you buy the cheapest car insurance available in Wisconsin?
While cheap car insurance may seem appealing, ensuring adequate financial protection against significant losses is important. American Family balances affordability and quality service, offering the best car insurance in Wisconsin with full coverage starting at $47 monthly.
How much does car insurance in Wisconsin cost, on average?
The average monthly cost of full coverage car insurance in Wisconsin is $89, while minimum coverage averages $36.
What are car insurance requirements in Wisconsin?
In Wisconsin, drivers must have auto insurance with minimum coverage limits: $25,000 for bodily injury liability per person, $50,000 per accident and $10,000 for property damage liability. Uninsured motorist bodily injury coverage is also required, with limits of $25,000 per person and $50,000 per accident.
Affordable Car Insurance in Wisconsin: How We Found the Best Cheap Rates
MoneyGeek obtained Wisconsin auto insurance rates from the Wisconsin Department of Insurance and Quadrant Information Services. We examined 44,496 auto insurance quotes from 19 providers across 54 ZIP codes to determine the most affordable car insurance companies in Wisconsin.
Wisconsin Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in Wisconsin:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.
Standard Coverage Levels in Wisconsin
We compared car insurance companies in Wisconsin that offer minimum and full coverage policies. The minimum coverage limits in Wisconsin are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Home and Auto Coverage Levels in Wisconsin
MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.