Compare Cheap Auto Insurance in Wisconsin

• Drivers in Wisconsin pay an average of $484 per year for minimum coverage and $1,492 per year for full coverage auto insurance.
• USAA, Erie and American Family offer the lowest average premiums in many categories, and GEICO also offers competitive rates in some categories.
• For military personnel and their family members, USAA offers the cheapest rates in Wisconsin by far for most driver categories.

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• Cheapest full coverage auto insurance in Wisconsin: USAA ($893 annually) and Erie ($1,247 annually)
• Cheapest minimum coverage: USAA ($289 annually) and Erie ($317 annually)
• Cheapest with a teen driver: USAA ($2,614 annually) and Erie ($3,044 annually)
• Cheapest with a speeding ticket: USAA ($1,265 annually) and Erie ($1,523 annually)
• Cheapest with an at-fault accident: USAA ($1,243 annually) and Erie ($1,601 annually)
• Cheapest with a DUI: USAA ($1,623 annually) and Erie ($1,857 annually)
• Cheapest with low credit: GEICO ($2,059 annually) and USAA ($2,098 annually)

Just because an auto insurance provider offers the lowest premiums in a state, it doesn’t necessarily indicate that customers are happy with the service. However, in Wisconsin, the same two firms that provide the cheapest insurance in most categories — Erie and USAA — also have some of the highest customer satisfaction ratings.

1. Keep a clean record. Accidents and traffic violations have a huge impact on insurance premiums, and anything you can do to keep your record clean could save you a substantial amount. A speeding ticket could cost you a lot more than what the officer fines you, which could be an incentive to slow down.
2. Bundle policies with the same provider. Many auto insurance providers are also in the business of insuring property or other types of vehicles and may offer a discount if you get multiple policies from them.
3. Know the state minimums. The regulatory structure of auto insurance in Wisconsin requires only modest mandatory minimums, but insurers are also required to offer other types of coverage (like medical payments). We don’t recommend skimping on these protections, but you can choose to forgo them to reduce your premiums.
4. Look for driver discounts. Insurers may offer many discounts, including for good grades (for students), years without an accident, or even for not smoking. Look up what discounts are offered by the providers you’re considering, as it might affect which provider can give you the best rate.

Premiums can vary depending on where in the state you live. A major factor is the size of the population center, as more drivers translate to more chances for accidents with payouts to multiple parties. In the case of Wisconsin, even though Racine and Kenosha are smaller than Madison and Green Bay, premiums may be higher in Racine and Kenosha in part because the towns lie between Milwaukee and Chicago, with many residents commuting to either of those denser areas frequently.

Milwaukee itself is the biggest and most expensive city, with average annual rates of $1,953 — 31 percent higher than the state average. Meanwhile, the Packers up in Green Bay enjoy lower rates than other urban areas.

Wisconsin has fairly moderate minimum requirements for auto insurance, but it does require that auto insurance cover some costs in the event of an accident involving one or more uninsured or underinsured motorists, which not all states require. The minimum limits in Wisconsin are as follows:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $10,000 per accident
• Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident⁴

Although these coverage limits are certainly better than nothing, we recommend increasing your limits and adding full coverage if you can afford to. The hope is that you never need your insurance, but it’s important to make sure it’s sufficient to keep you from paying too much out of pocket if you do need to file a claim.

We analyze average auto insurance premiums in Wisconsin for full and minimum coverage for good drivers with good credit, as well as for other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

Bodily injury liability: $100,000 per person/$300,000 per accident Property damage liability: $50,000 per accident Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident Comprehensive and collision: $500 deductible