GEICO offers the cheapest minimum auto insurance for most low-income drivers with clean records and good credit in Wisconsin. Western National is often more affordable for those with bad credit or violations.
Cheapest Low-Income Car Insurance in Wisconsin
Updated: February 6, 2025
Advertising & Editorial Disclosure
Key Takeaways
Although Wisconsin lacks a low-income car insurance program, affordable plans are available to meet the state's minimum coverage requirements.
GEICO, Western National, AAA and American Family are the cheapest insurance options for low-income drivers.
Low-income drivers can maximize savings on car insurance by comparing different providers and looking for discounts.
Cheapest Car Insurance Companies for Low-Income Drivers in Wisconsin
| GEICO | Young Drivers | $25 |
| GEICO | Adults | $23 |
| Western National | Seniors | $24 |
| Western National | Drivers With a Speeding Ticket | $25 |
| Western National | Drivers With a DUI | $25 |
| Western National | Drivers With an Accident | $25 |
| Western National | Bad Credit | $25 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable car insurance for your driver profile.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| GEICO | $23 | $270 |
| Western National | $24 | $284 |
| AAA | $26 | $307 |
| Acuity | $26 | $315 |
| Erie | $26 | $316 |
Cheapest Car Insurance for Families With Low Income in Wisconsin
In Wisconsin, GEICO offers the lowest monthly rate for low-income married couples with a teen at $39. State Farm is cheapest for single parents with a teen at $77, while Farmers is best for couples without teens at $24.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| GEICO | $472 | $39 |
| Nationwide | $488 | $41 |
| State Farm | $570 | $47 |
| Travelers | $613 | $51 |
| Auto-Owners | $637 | $53 |
| Farmers | $697 | $58 |
| Progressive | $735 | $61 |
| Allstate | $849 | $71 |
| Kemper | $1,623 | $135 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some tips to lower your premiums in Wisconsin:
- 1
Choose minimum coverage
Minimum coverage is usually the most affordable way to meet legal requirements. It offers basic protection and won't cover all expenses if you're involved in an at-fault accident.
- 2
Compare quotes from multiple sources
Searching for quotes from various providers can help you find the most affordable option. For thorough research, use provider websites, independent brokers, provider agents and online comparison tools.
- 3
Look for discounts
Insurance companies provide discounts for good students, safe drivers and active-duty military members or veterans. Defensive driving course discounts may offer a 10% premium reduction for at least three years.
- 4
Increase your deductible
Opting for a higher deductible on collision or comprehensive coverage results in lower premiums. Ensure you can cover it if you need to make a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance benefits drivers with low mileage, combining a low base rate with a per-mile charge. This way, you save by paying only for the miles you drive.
- 7
Get a cheaper car to insure
A car's make, model and year impact insurance costs. Opting for a cheaper car to insure, like an older and reliable vehicle, might save you hundreds annually.
Minimum Car Insurance Requirements in Wisconsin
Wisconsin residents must meet these minimum car insurance requirements:
- $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/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
If you're leasing or financing a car, you'll need a split of 100/300/100 liability coverage and comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance covers the other driver's costs if you're at fault but doesn’t cover your car repairs or legal bills. More coverage can provide better protection if you drive often and can afford it.
Cheap Low-Income Car Insurance in Wisconsin: Bottom Line
GEICO is the cheapest car insurance provider for most low-income drivers in Wisconsin with clean records and good credit. Western National has the lowest rates for high-risk drivers. To find the best deal, explore providers through different methods.
Low-Income Auto Insurance in Wisconsin: FAQ
Finding cheap car insurance is tough for low-income drivers. Here are answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Wisconsin?
Minimum coverage is usually the most affordable option for low-income drivers, though it may be limited if you're financing or leasing your vehicle. GEICO has Wisconsin's lowest minimum coverage rate at $23 monthly, and American Family provides the cheapest full coverage at $47.
Does Wisconsin have a state-supported low-income car insurance program?
Wisconsin has no state-supported low-income car insurance program.
Does your income affect the cost of car insurance in Wisconsin?
Income doesn't determine car insurance premiums in Wisconsin. Factors like driving history and vehicle type have impact.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek analyzed auto insurance rates in Wisconsin using data from the Wisconsin Office of the Commissioner of Insurance and Quadrant Information Services.
Data Acquisition, Depth and Analysis
We reviewed 328,384 quotes from 14 companies across 370 ZIP codes to find out the average cost of car insurance for low-income drivers in Wisconsin.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Wisconsin:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
In our study, seniors are 60 or older, young drivers are 22 to 29, and adults are 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which meets Wisconsin's legal requirements and offers affordable options for low-income drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.