Buy Cheap Wisconsin Auto Insurance in 2024

You have plenty of options if you live in Wisconsin and need car insurance. Still, if you’re a first-time car insurance shopper or want to lower your car insurance rates, you’ll have to do some homework. 

Car insurance in Wisconsin costs around $1,202 annually or $100 a month. Since this rate is already 21% lower than the U.S. national average, you may have to research and compare quotes from multiple companies to find cheap Wisconsin auto insurance.

Wisconsin requires every individual who owns and operates a vehicle to have a car insurance policy. So, when shopping for auto insurance coverage, you must ensure your policy meets the Wisconsin car insurance requirements before getting behind the wheel.

Which companies offer the cheapest car insurance in Wisconsin for liability?

Purchasing a liability car insurance policy can help you save on your car insurance premiums. Wisconsin’s average annual premium for a minimum coverage policy is quite low.

Average Minimum Coverage Monthly Rates for the Top Auto Insurance Companies

For example, Geico auto insurance costs around $249 annually for a liability-only policy, just under $21 a month. State Farm auto insurance is next on the list, selling a minimum coverage car insurance policy for around $24 a month.

While some companies offer cheap liability coverage rates, others charge a bit more. For example, Allstate charges Wisconsin residents nearly $550 annually, or $46 each month, for the same coverage.

A liability policy is cheaper than any other car insurance policy because it offers the least protection. While liability coverage allows you to drive legally in Wisconsin, it doesn’t protect you or your vehicle if you’re in an accident. Additionally, you could quickly exceed your liability coverage limits, leaving you responsible for the rest out of pocket.

Adding coverage to any policy makes it more expensive, but it could give you peace of mind behind the wheel. If you’re unsure about the coverage you can afford, comparing quotes is a good idea before deciding.

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Can I find a cheap full coverage policy in Wisconsin?

Full coverage car insurance costs much more than a liability-only policy because you’re paying for more protection. With a full coverage policy, you receive the standard liability coverage you need alongside collision insurance and comprehensive insurance coverage.

While liability covers repairs or medical visits for people you hit, it doesn’t cover your vehicle repairs or medical bills. On the other hand, collision coverage helps pay for your vehicle repairs if you’re at fault in an accident.

Comprehensive coverage covers vehicle damage caused by non-accident-related incidents, like inclement weather, hail damage, and vandalism.

When it comes to Wisconsin auto insurance, the cheapest full coverage policy costs around $969 annually or $81 every month.

Average Full Coverage Annual Rates for the Top Auto Insurance Companies

While State Farm offers the cheapest full coverage options on average, Geico’s rates are also competitive. Geico charges $1,036 annually for full coverage, around $86 monthly.

American Family auto insurance costs $99 monthly, Progressive auto insurance costs $140, and Allstate auto insurance costs $178. Rates in Wisconsin vary by company, so it’s always a good idea to shop online and compare quotes to determine which company offers the coverage you want at a price that works for you. 

Can I get cheap car insurance in Wisconsin with bad credit?

Credit score can significantly impact your car insurance rates. Insurance companies believe that people with low credit scores are more likely to file claims. So, insurers charge higher premiums for drivers with bad credit scores to offset any risk.

If your credit score isn’t ideal, you may still be able to find cheap car insurance for drivers with bad credit. Companies examine more than just credit score when setting rates — most consider several other factors like age, location, vehicle type, driving history, and coverage levels.

Still, people with poor credit scores can pay $1,632 more each year, or $136 more per month, for auto insurance in Wisconsin.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Geico offers the cheapest rates in Wisconsin to people with bad credit, at $119 per month. American Family is the next cheapest, at $2,013 annually, or $168 monthly. And Progressive offers auto insurance to people with bad credit for around $2,836 annually or $236 monthly.

Allstate and State Farm charge much higher rates to a policyholder with bad credit. Allstate charges $3,124 annually or $260 each month, whereas State Farm charges $5,222 annually or $435 each month.

The difference between Geico and State Farm’s monthly rates is nearly $320. Just because one company charges you a lot for a policy doesn’t mean other companies will. If you have a low credit score, you should still shop for coverage to see if certain companies offer more competitive rates. 

As your credit score improves, continue to compare quotes from other companies. You should find that your rates go down as your credit score increases. 

Can I get cheap car insurance in Wisconsin if I’m in an accident?

Your car insurance rates change after an accident, especially if you’re at fault. Car insurance companies automatically increase rates if you’re involved in an accident and file a claim. However, your rates might stay the same if you have accident forgiveness.

Rates go up after an accident because you’re considered more of a risk to your insurer. However, your rates should decrease once your driving record clears in a few years.

If you’re an at-fault driver in an accident in Wisconsin, your rates could go up more than $1,800 annually. Still, you may find that some companies are more lenient than others.

Average Monthly Rates for the Top Insurance Companies for Drivers with an Accident

State Farm offers the cheapest option to Wisconsin drivers with an at-fault accident on their record, charging $1,190 annually or $99 a month. American Family charges $129 monthly, Geico charges $130 monthly, and Progressive charges $224 monthly.

Allstate tends to charge the most for coverage after an at-fault accident. A policy with the company costs $3,028 annually, or $252 every month.

Some insurance companies may allow you to lower your car insurance rates by enrolling in a defensive driving course. Once you pass the course, let your insurer know. It’s up to each company to determine how much a defensive driving course could lower your car insurance rates, but it’s not a bad idea if you need the help.

Like in any other case, you should also shop online and compare quotes. Some companies may consider an accident on your record more serious than other companies. Comparing Wisconsin car insurance quotes can help you determine your best option.

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Can young drivers get cheap car insurance in Wisconsin?

Teens and young adult drivers pay more for car insurance. Most insurers see younger drivers with less experience behind the wheel as a significant risk, so finding the best car insurance for teenage drivers can be difficult. In many cases, teen and young adult drivers between 16 and 25 pay 285% more than the average Wisconsin driver for auto insurance coverage.

Teen drivers ages 16 to 19 pay three times as much for car insurance in Wisconsin. The average rate in Wisconsin for teen drivers is $4,631 annually, or $386 each month.

Average Monthly Full Coverage Teenage Auto Insurance Rates for the Top Insurance Companies

Despite the expensive average for teen drivers, some companies offer more affordable rates for coverage. American Family, for example, charges $2,890 annually for car insurance for teen drivers, equating to around $241 monthly.

Next is Geico, which charges $3,083 yearly, or $257 each month, for teen car insurance. With State Farm, teen drivers pay $278 monthly for auto insurance.

Progressive charges the most for Wisconsin teen drivers. To get a policy with Progressive, teen drivers pay a shocking $7,299 annually, or $608 every month.

If you’re a teen driver, the best way to save money on your car insurance is to get on someone else’s plan. Your parent or guardian can add you to their car insurance policy and pay less for coverage.

You can stay on your parents’ auto insurance as long as you live at home, However, if you can’t jump on a parent or guardian’s policy, shop online and compare rates. Being a teenager can make driving expensive, but you’ll find that some companies charge less than others in Wisconsin.

Do Wisconsin auto insurance rates vary based on where you live?

Believe it or not, car insurance rates could vary based on location. For example, insurers care if you live in an area with lots of traffic, theft, or vandalism. So, if you live in a relatively calm part of the state, you should be able to enjoy lower rates for car insurance.

Unfortunately, if you live in a bigger city with a higher population and more traffic, expect your rates to be higher than average.

The cheapest car insurance in Wisconsin, on average, is in Ashwaubenon. Conversely, the most expensive car insurance in the state is in Milwaukee.

You’ll see some of the rate differences in Wisconsin cities if you check out the table above. For example, rates in Madison are around $1,237 annually, or $103 per month, while car insurance in Milwaukee costs $1,826 annually or $152 monthly.

If you live in an area with high rates, you can still shop online to find more affordable options. For example, you can search for Milwaukee auto insurance quotes online to compare rates and see which companies are most affordable.

Let your insurance company know if you move from one city in Wisconsin to another. You should always give your insurer an up-to-date address if the company needs to contact you. However, depending on where you move, updating your address could also help you save money. 

While your ZIP code matters to most insurers, it’s not the only factor they examine. Keep this in mind when shopping for car insurance. Insurance companies also care about your credit score, driving history, age, car, and more.

What are Wisconsin’s DUI laws?

A DUI will always increase your car insurance rates in Wisconsin. If you get a DUI in Wisconsin, you could pay over $1,000 more annually, or $90 per month, more on your car insurance.

A DUI is a serious offense, much more than a simple accident or traffic violation. As a result, many Wisconsin residents can expect to pay at least 14% more annually on their car insurance.

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Is it difficult to get car insurance after a DUI in Wisconsin?

You could have difficulty finding car insurance after a DUI. However, if you find a company willing to offer coverage, don’t be surprised if your rates go up significantly. Still, you may be able to find affordable rates if you shop online and compare quotes from multiple insurance companies.

Average Monthly Rates for the Top Insurance Companies for Drivers with a DUI

State Farm offers the cheapest coverage to individuals with a DUI, charging $1,345 annually or $112 monthly for a liability-only policy. American Family offers the next-cheapest rates, charging $127 per month.

Some companies charge much more for a DUI conviction. Allstate, for example, charges $203 monthly for the same coverage.

Is auto insurance required in Wisconsin?

Wisconsin residents must carry car insurance on their vehicles. To drive legally, you only need Wisconsin’s minimum coverage requirements. A liability-only policy in Wisconsin costs around $381 yearly, roughly $32 a month, on average.

While you may find WI car insurance somewhat pricey, the national average for car insurance is around 29% higher than in Wisconsin.

What are Wisconsin’s minimum car insurance requirements?

If you drive a car in Wisconsin, you must have insurance. The minimum auto insurance required by state varies.

In Wisconsin, the requirements for auto insurance coverage are as follows:

• $25,000 per person in bodily injury coverage
• $50,000 per accident in bodily injury coverage
• $10,000 per accident in property damage
• $25,000 per person in uninsured/underinsured motorist coverage
• $50,000 per accident in uninsured/underinsured motorist coverage

Bodily injury liability coverage covers the other party’s medical bills from an accident you caused. Property damage liability coverage covers the other party’s car or property damaged in an accident. You must pay out of pocket if the bills exceed your policy limits.

Uninsured/underinsured motorist coverage protects you if you get in an accident with someone who doesn’t carry proper car insurance. If that individual is at fault, your uninsured/underinsured motorist coverage helps pay for injuries or repairs.

While these coverages are extremely important, they don’t protect you much in an at-fault accident. While minimum coverage is inexpensive compared to other options, it may not offer the necessary coverage.

Do I need proof of insurance in Wisconsin?

All Wisconsin drivers must show proof of insurance if they get stopped by the police. However, trailers or semi-trailers don’t need proof of insurance in Wisconsin.

If you drive without proper insurance, you could owe up to $500 to Wisconsin. Additionally, you could receive a citation and a $10 ticket if you have insurance but fail to prove it when asked.

Most importantly, if you lie about having car insurance and show false proof, you could get in serious trouble. Showing fraudulent proof of insurance could cost you up to $5,000 in fines in Wisconsin.

You may not have to show proof of insurance when you receive your driver’s license or register a vehicle. Still, you’ll need proof of insurance if you reinstate your driver’s license after it gets suspended or revoked. 

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What types of car insurance coverage can I get in Wisconsin? 

Car insurance coverages aren’t specific to location. Instead, they’re specific to the company. You can get different coverage options in any state in the U.S.

While some add-on coverages may be difficult to find, most standard options are easy to get from several insurance companies.

Some of the most common insurance coverage types include:

• Comprehensive insurance. This coverage helps if your car gets damaged in non-accident-related events like severe weather or vandalism. 
• Collision insurance. Collision coverage helps pay for repairs if your car gets damaged in an at-fault accident. You may have to pay for vehicle repairs out of pocket without collision coverage.
• GAP insurance. Loan or lease payoff insurance — also known as GAP insurance — helps pay the difference between your car loan balance and the car’s value.
• Medical payments (MedPay). MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event.
• Rental car reimbursement. If your car is in the shop due to a covered event, your insurance company will reimburse you for rental vehicle costs up to a certain amount. 
• Roadside assistance. This coverage helps if your car breaks down and you need certain assistance, like fuel services or flat tire repair.
• Uninsured/underinsured motorist coverage. This coverage reimburses you after an accident if the at-fault individual doesn’t carry proper Wisconsin-mandated liability coverage.

A full coverage policy is extremely helpful and gives drivers peace of mind on the road. You can also purchase additional coverages to protect yourself and your vehicle. However, any add-on coverages will increase your rates.

For example, a full coverage policy in Wisconsin costs around 219% more than a liability-only policy. If you can’t afford this, ask about discounts or choose a higher deductible.

If you don’t know what coverage you need, you may want to speak with an insurance agent for some direction. Insurance agents can help you determine your need based on your car and how much you drive.

Individuals with paid-off cars over 10 years old may benefit from lower coverage levels. However, if you own a vehicle and still make payments, you’ll need a full coverage policy before getting behind the wheel. 

What is SR-22 insurance? 

An SR-22 insurance form is a form proving you have financial responsibility for your vehicle. Insurance companies file them on behalf of their policyholders in certain instances.

Most individuals must submit an SR-22 via their insurer after specific major traffic violations, such as:

• A DUI or DWI conviction
• Multiple traffic violations
• Multiple accidents
• One or more at-fault accidents
• Driving without a license
• Driving with a suspended license
• Driving without insurance

If you must file an SR-22 in Wisconsin, finding a company willing to insure you may be difficult. You’ll need to follow specific steps to ensure you do everything properly.

How do I get SR-22 coverage in Wisconsin?

You may have to research, but finding a company willing to offer SR-22 coverage in Wisconsin should be relatively easy.

SR-22 Forms for Currently-Insured Drivers

If you have auto insurance in Wisconsin, you can request an SR-22 form via your current insurer. However, in some cases, your company may choose to drop coverage. You can shop for coverage with another company if your current insurer refuses to file an SR-22 or if your rates increase. 

SR-22 Forms for Uninsured Drivers

If you don’t have insurance with a specific company, you’ll likely pay a fee to file an SR-22 with a new provider. Unfortunately, finding a company willing to cover you can be difficult, especially if you have a gap in your insurance record.

Needing an SR-22 will mean that you need to get high-risk auto insurance with virtually every insurer. Still, there are plenty of companies that will likely offer you coverage. However, remember that car insurance will cost more once labeled a high-risk driver. 

SR-22 Forms for Drivers Without a Car

If you need an SR-22 but don’t own a car, you should purchase non-owner car insurance with a company in your area. This coverage helps prove you have financial responsibility and ensures you have an insurance provider willing to file the form on your behalf. 

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Which company offers the best auto insurance in Wisconsin?

Finding the best car insurance in Wisconsin may sound difficult, but it’s fairly easy. The best insurance company for you offers the coverage you want at a price that works with your budget.

Shop online to find and compare car insurance quotes to determine which company fits you best. Don’t get discouraged if one or two companies offer you expensive quotes — continue to get quotes until you receive rates that would work well for you.

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