Compare Cheap Auto Insurance in Wisconsin

For Wisconsin drivers looking for full coverage auto insurance, American Family has the lowest average premiums at $1,339 annually. For military-affiliated drivers, USAA offers comparable rates at $1,363 per year. Erie and GEICO follow at $1,573 and $1,616 per year on average, respectively.

The most affordable option for minimum coverage auto insurance in Wisconsin is available through USAA, at $341 per year, on average — 39 percent less than the state average. For nonmilitary drivers, the lowest average rates for minimum coverage are available through Erie, at $349 annually, and GEICO, at $405 annually.

USAA also has the cheapest insurance for teen drivers, with an average of $2,864 per year. American Family and Erie have the next-lowest average annual rates: $3,204 and $4,031, respectively.

For Wisconsin drivers with a speeding ticket on their record, USAA is still the cheapest option on average for those who are eligible. Erie has the next cheapest average rates at $2,207 per year.

USAA has the lowest premiums for drivers with an at-fault accident on their record. At $1,654 per year, on average, veterans and military personnel in this driver category have the opportunity to pay much lower rates than the $2,665 state average.

Erie has cheap rates for nonmilitary drivers, at $2,161 per year, on average. State Farm is also fairly competitive in this category, with annual average premiums of $2,452.

Shopping for auto insurance can be challenging for drivers with a DUI on their record. For those in the military, USAA has the lowest average premiums in the state, at $2,239 yearly. For those outside the military, Erie and American Family have the lowest average premiums, at $2,650 and $2,532 per year, respectively.

For Wisconsin drivers with low credit, State Farm has the cheapest average rates at $2,172 annually – 34 percent cheaper than the state average of $3,302. GEICO, USAA, and Acuity also have below-average rates.

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 companies that provide some of 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 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 $2,426 — 18 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: $100,000 per person/$300,000 per accident⁴
• Comprehensive and collision: $500 deductible