Best Car Insurance in Wisconsin of 2025

After USAA, Erie has the cheapest average rates in Wisconsin; and unlike USAA, there are no membership or affiliation requirements to buy insurance. Along with cheap rates, Erie has several perks, like pet and travel insurance, that come with every auto insurance plan.

Cheapest Provider in Wisconsin

If you’re looking for the overall cheapest provider for full coverage, Erie is a good option.

Rate Lock Feature

Concerned about your rates going up at your next renewal period? Erie has a rate lock feature that ensures your prices stay low even after an accident. With the rate lock feature, your premium won’t increase at your next renewal unless you add a new vehicle or driver to your policy.

Excellent Customer Service

Erie has the region’s highest J.D. Power Customer Service score. Its 684 score is nearly over 40 points higher than the regional average.

J.D. Power ranks auto insurance providers based on claims satisfaction, customer reviews, how long it takes to fulfill a repair, and customer experience when communicating with insurance providers. Its 2025 study was based on responses from more than 48,000 car insurance customers.

Wisconsin’s largest industries include manufacturing and farming — with the farming industry making up about nine percent of the state’s employees, and manufacturing employing over 3 million people.² If you’re one of the many manufacturing or farming business owners in Wisconsin, you’ll need coverage for business vehicles.

Commercial Auto Insurance

Nationwide’s commercial auto insurance options protect your business vehicles, whether owned, leased, or borrowed. You can customize your policy depending on your industry, including construction, delivery services, and professional services. For businesses with multiple vehicles, Nationwide has fleet insurance coverage that includes out-of-state coverage.

With a commercial auto policy from Nationwide, you can insure:

• Cars
• Cargo vans
• Work vans
• Box trucks
• Pickup trucks
• Utility trucks

The provider also offers Vantage 360 Fleet, a telematics program that helps small businesses manage fleet vehicles and monitor driver behavior. Using a smartphone app, Vantage 360 Fleet provides real-time insights into driving habits, so you can help your employees stay safe on the road and prevent accidents on the clock.

Pay-Per-Mile Insurance

If you’re clocking in fewer than 8,000 miles on your vehicle, Nationwide’s pay-per-mile program, SmartMiles, offers a flexible auto insurance option tailored for low-mileage drivers. With SmartMiles, your premium is made up of two parts: a base rate (which covers fixed costs like liability and certain overhead) plus a per-mile charge. Each month, Nationwide tracks how many miles you drive and bills you accordingly.

Another of the benefits of SmartMiles is that you still get the same coverage options you’d expect from a traditional Nationwide policy. Plus, you can also qualify for an additional 10 percent off if you practice safe driving habits during your first SmartMiles policy period. These advantages are also why we named SmartMiles one of the best pay-per-mile auto insurance options among providers.

ATV Coverage

Whether you’re operating an ATV for transport or going on an adventure, Nationwide provides the coverage you need. The provider has optional coverages such as Original Equipment Manufacturer (OEM) endorsements if your vehicle is under 10 years old.

As a Nationwide customer, you can apply a plethora of discounts to your ATV policy. Qualify for a discount by:

• Combining your ATV policy with auto, home, or life insurance
• Insuring additional vehicles, like motorcycles or scooters
• Completing an ATV safety course
• Installing theft-recovery devices
• Paying your ATV premium in full

American Family has been serving customers since 1927, providing insurance for auto, home, motorcycles, and more. It serves 17 percent of Wisconsin’s drivers, making it the second-largest auto insurance company in the state. On average, it offers one of the best rates for households with teen drivers and several discounts that can help young drivers save.

Cheap Rates for Teens in Wisconsin

Teens pay the highest rates out of any age group because younger drivers file more claims, get into more accidents, and receive more tickets than any other age group on average. While Erie and USAA offer similar rates for teens, American Family has a plethora of young driver discounts. If you’re under the age of 21, American Family offers some of the cheapest average rates for full coverage in Wisconsin.

Multiple Discounts for Families

If you want to bring you or your teen’s costs down, you should ask your agent about your discount eligibility. American Family has several general and teen-focused discounts that can bring costly teen premiums down.

Here are a few ways to save with American Family:

• Good driver: You may earn a discount if no one in your household has any claims on their record.
• Good student: Get good grades to get a discount on your car insurance
• Away at school: If you’re a student under 25 and attend college more than 100 miles away from where your car is garaged, you may save on your policy.
• Young volunteer: Enjoy a discount if you’re under 25 and complete 40 hours of volunteer work per year.
• Generational: If your parent is an American Family customer, you can get a discount.
• Multi-vehicle: Insure two cars on your policy, and you can earn a discount.

Save for Good Driving

American Family’s telematics program, DriveMyWay, is a great way to improve your or your teen’s driving habits while saving on your car insurance (up to 35 percent). The program gives you a personalized rate based on your driving habits, which determines your final discount.

Once you enroll in the program, you’ll get a 99-trip trial period. The DriveMyWay app will measure your driving habits during this trial period. At the end, your DriveMyWay score will apply to your future policy premiums.

To maximize your discount, avoid these driving behaviors:

• Cell phone use
• Hard braking
• Speeding
• Evening driving
• Late-night driving

While a low credit score usually triggers premium hikes, GEICO offers the most competitive rates for bad credit among providers in Wisconsin. With solid regional ratings, GEICO delivers reliable customer service and affordable rates, especially for those with bad credit, a clean record, and seniors.

Cheapest for Bad Credit in Wisconsin

On average, your car insurance rates will increase by 83 percent if you have a poor credit score in Wisconsin. For drivers in this category, GEICO has some of the most competitive rates in the state.

Long List of Discounts

With GEICO, you can save with a sizable bundling discount, low-mileage discount, usage-based insurance program, and more.

Here are a few of GEICO’s discounts:

• Drive Easy Driving Program: Earn up to 15 percent off for using GEICO’s usage-based insurance program.
• Multiple vehicle discount: You can save 25 percent on your car insurance when you insure more than one car.
• Good student discount: Maintain a 3.0 GPA, and you may be able to save 15 percent on your premium.
• Defensive driving discount: Take a defensive driving class, and you might earn a discount.
• Auto safety discount: Features like factory-installed airbags and anti-theft systems will help you save on your auto insurance.

Mechanical Breakdown Insurance (MBI)

About 20 percent of Wisconsin’s roads are in poor condition, making it easy for vehicles to wear out quickly.⁵ If you have a new car, you can get mechanical breakdown insurance to ensure your car stays in top shape. Customers qualify for this type of coverage if they own a car that’s less than 15 months old and has less than 15,000 miles.

MBI will cover the cost of repair and replacement for all vehicle parts and systems. You’ll only pay a $250 deductible, which is affordable compared to the cost of major repairs. With this coverage, you can choose the repair shop. Even if you drive over a large pothole or need a full engine replacement, MBI will take care of everything.

Travelers stands out for senior drivers in Wisconsin seeking affordable and reliable car insurance. With an average annual premium of $1,241 for drivers over 65, Travelers offers the lowest rates in the state.

Best Rates for Older Americans

Auto insurance rates tend to increase as drivers reach their 60s and 70s, which means the cheapest providers in your 40s may not be the same as you get older.

In Wisconsin, Travelers offers the cheapest average rates for seniors. For drivers looking to strike a balance between cost and service, USAA, State Farm, and GEICO are solid alternatives.

Several Coverage Options

If you’re looking to get additional coverage for your vehicle, Travelers has a long list of robust add-ons. Here are a few additional coverage options you can choose from:

• Rental reimbursement
• New car replacement
• Non-owners insurance
• Gap insurance
• Rideshare coverage

Accident Forgiveness

Seniors that want to keep their rates low can sign up for one of Travelers’ accident forgiveness plans. A traffic violation or at-fault accident can push premiums up, making it difficult for seniors with a fixed income. With accident forgiveness, seniors can avoid rate hikes even after a violation or accident.

You can choose from two plans:

• Responsible Driver Plan: Individuals have their first covered accident or your first minor violation forgiven.
• Premier Responsible Driver Plan: Includes the benefits of the Responsible Driver Plan, along with a decreasing deductible ($50 credit up to $500 for every accident-free policy period). This plan also protects you from paying a deductible if your car is totaled.