Best Car Insurance in Wisconsin

Along with offering the cheapest auto insurance rates in the state, 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 your best bet. Erie boasts the cheapest average annual rates in the state ($986), while Allstate is the most expensive on average ($1,824).

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 second-highest J.D. Power Customer Service score. Its 844 score is nearly 20 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 2023 study was based on responses from more than 40,000 car insurance customers.

State Farm is the third-largest car insurance company in Wisconsin. It offers affordable average rates, the best rates for teens, several discounts, and a long history as one of the country’s largest providers.

Best 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. If you’re under the age of 21, State Farm will offer the cheapest average rates for full coverage in Wisconsin ($2,640).

Big Savings

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

Here are a few ways to save with State Farm:

• Good driver: You may earn a discount if no one in your house has any claims on their record.
• Vehicle safety: If your vehicle hasn’t had any claims on its record in the past seven years, you may be eligible for a discount.
• Drive Safe & Save: Complete State Farm’s usage-based program, Drive Safe & Save, and you could earn up to 30 percent on your car insurance.
• Multi-vehicle: Insure two cars on your policy, and you can earn a discount.
• Steer Clear: Steer Clear is a safety program geared for young and new drivers. If you complete the Steer Clear program, you can save up to 20 percent on your car insurance.

Teen Safety Program

State Farm’s teen safety program, Steer Clear, is a great way to improve your or your teen’s driving habits while saving on your car insurance (up to 20 percent).

You can complete Steer Clear’s six-month program by finishing a set of training modules, driving at least five hours over 10 trips, and having a family member or friend monitor your driving habits. Steer Clear teaches you how to avoid distractions on the road, merge safely on crowded streets, maintain your vehicle over time, and drive safely in bad weather.

GEICO is known for its cheap auto insurance rates, but it’s also the cheapest provider for motorcyclists in Wisconsin. With perks for motorcycle affiliate members, offseason motorcycle insurance, and excellent mobile app features, it’s our top pick for riders in Wisconsin.

Cheapest Average Rate for Riders

GEICO is the cheapest provider for motorcyclists in Wisconsin. Its average rates are $332 annually, which is about $200 cheaper than the state average of $520.

Offseason Motorcycle Insurance

Some providers discontinue motorcycle insurance during the winter months, making your bike vulnerable to theft, vandalism, flooding, and other hazards.

With GEICO, you can keep your bike insured even when you keep it garaged during the offseason.

Motorcycle Affiliation Benefits

GEICO has partnerships with the Motorcycle Safety Foundation (MSF), providing MSF members up to 20 percent off their policy with GEICO. Even if you aren’t a member, you can earn up to 10 percent off your motorcycle insurance by completing an MSF safety course.

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 the best rates for drivers with a bad record.

Cheapest After an Accident

Car insurance providers increase their rates by about 50 percent after an accident in Wisconsin. If you have an accident on your record, you should ask for a quote from American Family, as its rates are about $400 cheaper than the average after an accident ($2,047).

Cheapest After a DUI

Similar to after an accident, car insurance providers increase their rates by about 50 percent on average after a DUI. Again, American Family has the cheapest average rates for drivers with a DUI on their record.

Long List of Discounts

If you have a bad driving record, it’s important to take advantage of as many discounts as you can. With American Family, you can save with a sizable bundling discount, low-mileage discount, usage-based insurance program, and more.

Here are a few of American Family’s discounts:

• Pay-How-You-Drive Safe Driving Program: Earn up to 10 percent off for completing American Family’s usage-based insurance program.
• Home bundling discount: You can save 23 percent on your car insurance when you bundle auto and home.
• Good student discount: Maintain a 3.0 GPA, and you may be able to save on your premium.
• Low-mileage discount: Drive fewer than 7,500 miles per year, and you might earn a discount.
• Steer into savings discount: Switch to American Family from a competitor, and you’ll earn a discount on your premium.
• Auto safety discount: Features like factory-installed airbags and anti-theft systems will help you save on your auto insurance.

Known for its roadside assistance service and auto clubs, the American Automobile Association (AAA) has grown into one of the country’s largest car insurance providers. In Wisconsin, it offers excellent rates for seniors and attractive membership perks.

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, AAA offers the cheapest average rates for seniors.

Several Coverage Options

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

• Uninsured/underinsured motorist coverage
• Comprehensive coverage
• Collision coverage
• Excess medical payments
• Accidental death and dismemberment coverage
• Rental reimbursement
• New-car replacement
• Gap insurance
• Custom equipment cost

Bundle and Save

Whether you own or rent your home/condo, AAA will give you a discount when you bundle your policies.

Here’s how you can save by bundling with AAA:

• Auto and home: Combine your home insurance with auto, and you can earn up to 15 percent off your auto insurance and 20 percent off your home insurance.
• Auto and condo: You can save up to 10 percent on your car insurance and 20 percent on your condo insurance when you combine policies.
• Auto and renters: Bundle auto and renters, and you’ll save up to 8 percent on your car insurance and 20 percent on your renters policy.