USAA offers some of the cheapest car insurance in Wisconsin, with an average rate of $29 per month. Get an instant quote now and buy a car insurance policy online in minutes with our team of agents.
Cheapest Car Insurance in Wisconsin: Rates, Companies, and Requirements
Wisconsin car insurance costs an average of about $57 per month for liability-only coverage and $126 per month for full coverage. These rates are below the national average, although your actual premium will depend on factors such as your driving history, age, location, credit profile, vehicle, coverage limits, and insurer.
Wisconsin does not face coastal hurricanes and flooding as frequently as some other states, but drivers still face weather-related risks. Hail, flooding, severe storms, and collisions with deer can all contribute to insurance claims and pricing.
The rate data below is based on Wisconsin insurance quote estimates and can vary from one driver to another.
Cheapest Car Insurance Companies in Wisconsin
| Driver Category | Cheapest Insurance Company | Cheapest Monthly Quote |
|---|---|---|
| Overall | USAA | $29 |
| State minimum coverage | USAA | $29 |
| Full coverage | USAA | $57 |
| Clean driving record | USAA | $29 |
| Speeding ticket | USAA | $38 |
| At-fault accident | USAA | $39 |
| OWI | USAA | $39 |
| Teen/new drivers | USAA | $53 |
| Seniors | USAA | $23 |
| Bad credit | USAA | $36 |
Rate disclaimer: These figures represent quote estimates and are not guaranteed premiums. Your actual Wisconsin car insurance rate may be higher or lower depending on your personal profile, vehicle, location, coverage, and insurer.
Cheapest Liability-Only Car Insurance in Wisconsin: USAA
Wisconsin requires drivers to carry liability insurance as well as uninsured motorist bodily injury coverage.
The minimum liability limits are:
→ $25,000 for bodily injury to one person
→ $50,000 for bodily injury to two or more people in one accident
→ $10,000 for property damage
Wisconsin is an at-fault state, so the driver responsible for an accident can be financially responsible for injuries and property damage caused to others.
Unlike no-fault states, Wisconsin does not require personal injury protection (PIP). Drivers can still purchase medical payments coverage to help pay eligible medical or funeral expenses following an accident.
The average liability-only insurance rate in Wisconsin is approximately $57 per month.
Cheapest Liability Car Insurance Companies in Wisconsin
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $29 |
| State Farm | $30 |
| Auto-Owners | $31 |
| Certainly | $41 |
| Erie | $41 |
| American Family | $44 |
| GEICO | $44 |
| First Chicago | $45 |
| Progressive | $49 |
| Chubb | $51 |
| GAINSCO | $57 |
| Allstate | $58 |
| Direct Auto | $59 |
| Safeco | $59 |
| Farmers | $60 |
| The General | $63 |
| Dairyland | $68 |
| National General | $69 |
| Bristol West | $70 |
| Liberty Mutual | $71 |
| Travelers | $77 |
| Root | $88 |
| State Auto | $115 |
Rate disclaimer: These are estimated monthly quotes. Actual premiums vary according to driver characteristics, vehicle, location, coverage selection, and underwriting factors.
Is Liability-Only Coverage Enough in Wisconsin?
Liability insurance is generally the least expensive way to meet Wisconsin’s insurance requirements, but it does not pay to repair or replace your own vehicle after an accident you cause.
For example, if you hit a deer while driving on a Wisconsin highway, liability insurance would not normally pay for damage to your vehicle. Comprehensive coverage may help cover certain animal-collision losses.
Drivers with newer, financed, or higher-value vehicles may want to consider broader protection rather than purchasing only the state minimum.
Cheapest Full-Coverage Car Insurance in Wisconsin: USAA
Full coverage generally combines liability insurance with collision and comprehensive coverage.
Wisconsin drivers can encounter several risks that make broader coverage useful, including deer collisions, severe storms, hail, flooding, theft, and other vehicle damage.
The average cost of full coverage in Wisconsin is approximately $126 per month.
Cheapest Full-Coverage Insurance Companies in Wisconsin
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $57 |
| State Farm | $59 |
| Auto-Owners | $60 |
| Progressive | $72 |
| Erie | $79 |
| American Family | $85 |
| GEICO | $87 |
| Certainly | $96 |
| Chubb | $99 |
| Safeco | $101 |
| Allstate | $109 |
| Farmers | $115 |
| Direct Auto | $118 |
| Liberty Mutual | $128 |
| Travelers | $149 |
| First Chicago | $153 |
| Bristol West | $159 |
| Root | $159 |
| National General | $163 |
| The General | $184 |
| GAINSCO | $213 |
| Dairyland | $217 |
| State Auto | $224 |
Recent Wisconsin Car Insurance Quote Examples
Recent quote examples show how much premiums can vary based on the driver, vehicle, location, and insurer.
→ A Nissan Maxima driver in Rib Lake received a liability quote of about $55 per month from Bristol West.
→ An Acura MDX driver in Wisconsin Dells received a liability quote of about $59 per month from Root.
→ Allstate’s estimated rate for a driver with good credit and a clean record was approximately $58 per month.
→ Farmers’ estimated rate for a driver with good credit and a clean record was approximately $60 per month.
These examples are illustrative. A quote for another Wisconsin driver could be substantially different.
Best Cheap Car Insurance Companies in Wisconsin
Wisconsin drivers can find different pricing and coverage options depending on their circumstances. Rates also vary by city, driving record, vehicle, and eligibility.
USAA: Coverage for Military Families
USAA is available primarily to members of the military community, veterans, and eligible family members.
Its estimated Wisconsin rates in the supplied data are:
| Coverage | Average Monthly Quote |
|---|---|
| Liability Only | $29 |
| Full Coverage | $57 |
USAA also receives strong customer ratings in the supplied data. However, customer experiences and premiums vary, so drivers should compare quotes and policy terms rather than relying on one insurer’s average rate.
State Farm: Competitive Rates for Clean-Record Drivers
State Farm is another insurer with relatively low estimated Wisconsin rates in the supplied data.
| Coverage | Average Monthly Quote |
|---|---|
| Liability Only | $30 |
| Full Coverage | $59 |
Drivers with clean records may qualify for different pricing than drivers with tickets, accidents, or other violations.
Auto-Owners: Customizable Coverage
Auto-Owners also appears among the lower-cost insurers in the Wisconsin quote data.
| Coverage | Average Monthly Quote |
|---|---|
| Liability Only | $31 |
| Full Coverage | $60 |
The company may offer different coverage options and policy features depending on the driver’s circumstances and location.
How Wisconsin Car Insurance Rates Have Changed
Wisconsin insurance rates increased substantially between 2022 and 2024 before declining in 2025. The supplied data indicates that average rates fell by approximately 14% in 2025.
The average annual cost was approximately $1,403 by the end of 2025, while projections indicated another modest decrease in 2026.
Insurance pricing can change because of claims trends, repair costs, vehicle technology, weather losses, medical expenses, competition, and broader market conditions.
Wisconsin Car Insurance Requirements
Wisconsin requires drivers to carry minimum liability insurance and uninsured motorist bodily injury coverage.
| Coverage Type | Wisconsin Minimum |
|---|---|
| Property Damage Liability | $10,000 |
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
These are minimum requirements, not necessarily the amount of coverage that provides adequate financial protection for every driver.
If you finance or lease a vehicle, your lender may also require comprehensive and collision coverage.
Car Insurance Rates Across Wisconsin Cities
Where you live can significantly affect your premium. Population density, accident frequency, traffic conditions, theft rates, claims, and local repair costs can all influence insurance pricing.
The supplied quote data shows noticeable differences between several Wisconsin cities.
| City | Average Monthly Quote |
|---|---|
| Kenosha | $95 |
| Madison | $80 |
| Milwaukee | $127 |
Milwaukee has a higher estimated rate in this dataset than Madison and Kenosha. However, individual rates within each city can vary considerably.
Cheapest Car Insurance in Wisconsin for Drivers With a Clean Record: USAA
Drivers with clean records are generally considered lower risk than motorists with recent accidents or violations.
The supplied data shows an average monthly quote of approximately $91 for Wisconsin drivers with a clean record and good credit.
Clean-Record Car Insurance Rates in Wisconsin
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $28 |
| State Farm | $29 |
| Auto-Owners | $30 |
| Erie | $39 |
| Certainly | $42 |
| American Family | $43 |
| GEICO | $44 |
| First Chicago | $46 |
| Chubb | $47 |
| Progressive | $50 |
| GAINSCO | $55 |
| Direct Auto | $57 |
| Farmers | $57 |
| Allstate | $59 |
| The General | $61 |
| Safeco | $63 |
| National General | $64 |
| Dairyland | $66 |
| Bristol West | $68 |
| Liberty Mutual | $74 |
| Travelers | $74 |
| Root | $89 |
| State Auto | $108 |
Cheapest Car Insurance in Wisconsin After a Speeding Ticket: USAA
A speeding ticket can lead to higher insurance premiums because insurers may consider the violation an indication of increased driving risk.
Wisconsin uses a demerit-point system for certain traffic violations. Accumulating enough points can result in license-related penalties.
The supplied data puts the average Wisconsin premium for drivers with a speeding ticket at approximately $117 per month.
Car Insurance Rates After a Speeding Ticket
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $38 |
| State Farm | $38 |
| Auto-Owners | $41 |
| Certainly | $53 |
| Erie | $54 |
| American Family | $57 |
| First Chicago | $58 |
| GEICO | $58 |
| Progressive | $63 |
| Chubb | $66 |
| GAINSCO | $69 |
| Allstate | $74 |
| Direct Auto | $75 |
| Farmers | $78 |
| Safeco | $78 |
| Dairyland | $85 |
| The General | $85 |
| National General | $87 |
| Bristol West | $90 |
| Liberty Mutual | $91 |
| Travelers | $101 |
| Root | $106 |
| State Auto | $154 |
Affordable Car Insurance in Wisconsin After an At-Fault Accident
An at-fault accident can cause insurance premiums to rise because the insurer may consider the driver a higher risk.
The supplied data reports more than 127,000 crashes in Wisconsin during 2024, while nearly 5% of Wisconsin drivers in the dataset had an accident on their record.
The average monthly premium for a Wisconsin driver with an at-fault accident was approximately $118.
Car Insurance Rates After an At-Fault Accident
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $39 |
| State Farm | $40 |
| Auto-Owners | $41 |
| Certainly | $53 |
| Erie | $55 |
| GEICO | $58 |
| First Chicago | $58 |
| American Family | $59 |
| Progressive | $63 |
| Chubb | $68 |
| GAINSCO | $72 |
| Allstate | $75 |
| Direct Auto | $80 |
| Farmers | $80 |
| Safeco | $81 |
| The General | $86 |
| Dairyland | $89 |
| National General | $91 |
| Bristol West | $92 |
| Liberty Mutual | $93 |
| Travelers | $103 |
| Root | $109 |
| State Auto | $156 |
Cheap Car Insurance in Wisconsin for Drivers With an OWI: USAA
Wisconsin uses the term operating while intoxicated (OWI) for impaired-driving offenses.
An OWI conviction can significantly affect insurance premiums because insurers generally consider impaired driving a serious risk factor.
The supplied data indicates that drivers with an OWI pay an average of approximately $114 per month for car insurance in Wisconsin.
Car Insurance Rates After an OWI
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $39 |
| Auto-Owners | $40 |
| State Farm | $40 |
| Certainly | $51 |
| Erie | $55 |
| First Chicago | $56 |
| American Family | $56 |
| GEICO | $59 |
| Progressive | $61 |
| Chubb | $68 |
| Allstate | $72 |
| GAINSCO | $76 |
| Direct Auto | $79 |
| Farmers | $80 |
| The General | $82 |
| Safeco | $87 |
| Dairyland | $91 |
| National General | $92 |
| Bristol West | $94 |
| Liberty Mutual | $95 |
| Travelers | $103 |
| Root | $118 |
| State Auto | $148 |
Cheapest Car Insurance for Drivers With an SR-22 in Wisconsin: USAA
An SR-22 is a certificate used as proof of financial responsibility when required after certain driving-related violations or license suspensions.
Drivers who need an SR-22 may face higher insurance costs because the underlying violation can increase their risk profile.
The supplied data shows an average monthly premium of approximately $114 for Wisconsin drivers filing an SR-22.
Wisconsin SR-22 Insurance Rates
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $36 |
| State Farm | $38 |
| Auto-Owners | $39 |
| Certainly | $51 |
| Erie | $51 |
| American Family | $55 |
| GEICO | $55 |
| First Chicago | $56 |
| Progressive | $61 |
| Chubb | $64 |
| GAINSCO | $71 |
| Allstate | $73 |
| Direct Auto | $74 |
| Safeco | $74 |
| Farmers | $75 |
| The General | $79 |
| Dairyland | $85 |
| National General | $87 |
| Bristol West | $88 |
| Liberty Mutual | $89 |
| Travelers | $97 |
| Root | $110 |
| State Auto | $144 |
Cheapest Car Insurance for Teen Drivers in Wisconsin: USAA
Teen drivers generally pay more for car insurance because they have less driving experience and statistically represent a higher-risk group.
The supplied data indicates that teens account for a smaller share of licensed Wisconsin drivers than their share of crashes, contributing to higher insurance costs for young motorists.
The average premium for teen drivers in the dataset is approximately $164 per month.
Wisconsin Car Insurance Rates for Teen Drivers
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $53 |
| State Farm | $57 |
| Auto-Owners | $62 |
| Certainly | $74 |
| Erie | $74 |
| GEICO | $79 |
| First Chicago | $81 |
| American Family | $82 |
| Progressive | $88 |
| GAINSCO | $99 |
| Chubb | $103 |
| Allstate | $104 |
| The General | $113 |
| Direct Auto | $114 |
| Dairyland | $116 |
| Farmers | $118 |
| Safeco | $119 |
| Bristol West | $123 |
| Liberty Mutual | $123 |
| Root | $131 |
| National General | $135 |
| Travelers | $158 |
| State Auto | $271 |
Cheap Car Insurance for Senior Drivers in Wisconsin: USAA
Older drivers may benefit from years of driving experience and, depending on their driving history, may qualify for lower rates than younger motorists.
The supplied data shows an average monthly premium of approximately $76 for senior drivers in Wisconsin.
Wisconsin Car Insurance Rates for Senior Drivers
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $23 |
| State Farm | $23 |
| Auto-Owners | $24 |
| Erie | $31 |
| Certainly | $34 |
| GEICO | $34 |
| American Family | $34 |
| First Chicago | $37 |
| Chubb | $38 |
| Progressive | $41 |
| Farmers | $47 |
| Direct Auto | $47 |
| GAINSCO | $48 |
| Allstate | $48 |
| Safeco | $50 |
| The General | $53 |
| National General | $53 |
| Dairyland | $57 |
| Bristol West | $57 |
| Liberty Mutual | $58 |
| Travelers | $60 |
| Root | $80 |
| State Auto | $85 |
Wisconsin Car Insurance for Drivers With Bad Credit: USAA
In Wisconsin, insurers may consider credit-related information as part of underwriting, subject to state regulations.
A weaker credit profile may contribute to higher insurance premiums, although it is only one of several factors insurers can consider.
The supplied data indicates that Wisconsin drivers with poor credit pay an average of approximately $114 per month.
Wisconsin Car Insurance Rates for Drivers With Poor Credit
| Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $36 |
| State Farm | $44 |
| Auto-Owners | $47 |
| Certainly | $51 |
| American Family | $53 |
| GEICO | $55 |
| First Chicago | $56 |
| Erie | $60 |
| Progressive | $61 |
| GAINSCO | $71 |
| Allstate | $73 |
| Direct Auto | $73 |
| Safeco | $73 |
| Farmers | $75 |
| The General | $78 |
| Chubb | $81 |
| Dairyland | $84 |
| Liberty Mutual | $85 |
| National General | $86 |
| Bristol West | $87 |
| Travelers | $91 |
| Root | $109 |
| State Auto | $144 |
How to Get Cheaper Car Insurance in Wisconsin
Wisconsin drivers can take several steps to potentially reduce their premiums.
→ Compare multiple insurers: Rates can vary substantially between companies for the same driver.
→ Maintain a clean driving record: Avoiding speeding tickets, accidents, and other violations can help keep premiums lower.
→ Ask about discounts: Check for safe-driver, multi-policy, multi-vehicle, good-student, defensive-driving, and other discounts for which you may qualify.
→ Consider a higher deductible: Increasing your deductible can lower your premium, but make sure you can afford the higher out-of-pocket cost after a claim.
→ Bundle policies: Combining auto insurance with homeowners, renters, or other policies may qualify you for a multi-policy discount.
→ Review your coverage: Make sure your limits and optional coverages still match your vehicle, finances, and risk tolerance.
→ Consider telematics: Some insurers offer programs that use driving behavior to determine discounts or premiums.
→ Improve your credit profile where permitted: Responsible credit management may help improve insurance pricing in states where credit-based insurance information can be used.
What Affects Car Insurance Rates in Wisconsin?
Your Wisconsin auto insurance premium can depend on many factors.
→ Driving history and traffic violations
→ Previous accidents and claims
→ Age and driving experience
→ Vehicle make, model, age, and value
→ Annual mileage
→ Where you live
→ Coverage limits and deductibles
→ Credit-based insurance information where permitted
→ Insurance history
→ Number of drivers and vehicles on the policy
→ Applicable discounts
Why Car Insurance Costs Differ Across Wisconsin
Insurance companies use statistical risk factors to determine premiums. Two drivers living in the same state can receive very different quotes.
For example, a Milwaukee driver may receive a different rate than a Madison driver because insurers evaluate local claims, traffic patterns, accident frequency, theft, repair costs, and other geographic factors.
Your individual profile remains important even within the same city.
How Much Is Car Insurance in Wisconsin?
Based on the supplied quote data, Wisconsin drivers pay approximately:
→ $57 per month for liability-only coverage
→ $126 per month for full coverage
These are averages, not guaranteed prices. Younger drivers, drivers with violations, motorists with poor credit, and people with certain vehicles or coverage requirements may pay considerably more.
What Are the Minimum Car Insurance Requirements in Wisconsin?
Wisconsin requires:
→ $25,000 bodily injury liability per person
→ $50,000 bodily injury liability per accident
→ $10,000 property damage liability per accident
→ $25,000 uninsured motorist bodily injury per person
→ $50,000 uninsured motorist bodily injury per accident
Drivers should consider whether these minimum limits provide enough protection for their financial situation.
Which Company Has the Cheapest Car Insurance in Wisconsin?
The supplied quote data shows USAA among the lowest-cost options across several Wisconsin driver profiles, including minimum coverage, full coverage, clean records, speeding tickets, accidents, OWI, teens, seniors, and poor credit.
However, USAA eligibility is limited primarily to the military community and eligible family members. Other drivers should compare insurers such as State Farm, Auto-Owners, Erie, American Family, GEICO, and Progressive based on their own quotes and coverage needs.
Is Wisconsin a No-Fault State?
No. Wisconsin is an at-fault state.
The driver responsible for an accident can be financially responsible for resulting injuries and property damage.
Wisconsin also follows a comparative negligence system, meaning fault can be divided between parties in certain accidents. A person’s ability to recover damages may be affected by their percentage of responsibility.
Final Thoughts on Cheap Car Insurance in Wisconsin
Wisconsin has relatively affordable car insurance rates compared with many states, but premiums can still vary significantly between drivers.
The supplied data shows particularly low estimated rates from USAA, State Farm, and Auto-Owners across several driver profiles. Eligibility, coverage options, driving history, location, credit profile, and vehicle type can all change the price you receive.
The most practical way to find affordable coverage is to compare multiple insurers using the same liability limits, deductibles, and optional coverages. Looking only at the lowest advertised premium can result in inadequate protection, so consider both price and the coverage provided.