Find the Best Car Insurance Quotes & Options in Wisconsin
Rates for car insurance in Wisconsin average about $930 per year. This is quite a bit below the current national average of $1,311 annually. In fact, Wisconsin's car insurance rates are the fifth cheapest in the US. Since residents here can save so much on coverage, building a complete car insurance policy should be no issue. Having an auto insurance policy that includes more than just the state's mandated coverage can help you get reimbursed after vehicle theft, accidents, personal injury, and more.
A Wisconsin independent insurance agent can help you find the right kind of car insurance for you. They'll make sure you get a car insurance policy that meets all of your needs. But up first, it's a deep dive into Wisconsin car insurance rates and more.
Best Car Insurance Companies in Wisconsin
When you're ready to get car insurance, don't waste time on subpar carriers who don't offer the best coverage. We're hoping to help out by offering this list of the best car insurance companies in Wisconsin this year. We even broke it down by category and type, including the best Wisconsin car insurance companies for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Start by checking out these top-rated Wisconsin car insurance companies.
- Best Wisconsin Car Insurance Company Overall: Erie
- Best Wisconsin Car Insurance Company for Minimum Liability: USAA
- Best Wisconsin Car Insurance Company for Full Coverage: West Bend
- Best Wisconsin Car Insurance Company for Young Drivers: Erie
- Best Wisconsin Car Insurance Company for Accident History: Erie
- Best Wisconsin Car Insurance Company for Married Drivers: West Bend
A Wisconsin independent insurance agent can help you choose the best car insurance company for you.
Best Wisconsin Car Insurance Company Overall: Erie
The winner for the best Wisconsin car insurance company for minimum liability coverage only is Erie Insurance. Erie offers some of the cheapest car insurance rates in the state. A minimum coverage auto policy from Erie averages about $25 per month in Wisconsin.
First founded in 1925, Erie has nearly a century of experience in the industry. Erie currently has more than five million insurance policies in force. The carrier offers coverage in 12 states and DC.
The insurance company has been named the 12th largest auto insurer in the US, the 11th largest home insurer in the US, and the 12th largest business insurer in the US. Erie is a Fortune 500 Company and has been on the list for 20 years. AM Best also awards Erie an “A+” or excellent rating for financial strength.
| Average Monthly Insurance Cost: Minimum Coverage Policy | Average Annual Insurance Cost: Minimum Coverage Policy |
| $25 | $300 |
Best Wisconsin Car Insurance Company for Minimum Liability: USAA
The winner for the best Wisconsin car insurance company for minimum liability is USAA. USAA offers minimum coverage to drivers in Wisconsin who just want to satisfy the state's requirements. A minimum liability-only policy from USAA averages about $214 per year in Wisconsin.
Originally founded in 1922, USAA has more than a century’s experience in the industry. USAA was started by a group of Army officers insuring each other’s vehicles. The insurance company has since grown a ton, and now services millions of customers across the country with a variety of coverage solutions.
Recently, USAA’s net worth surpassed $35 billion. The carrier has more than 13 million policyholders and 35,000 employees and has also paid out $2.4 billion in returns to its customers. USAA consistently maintains high ratings by major agencies like Moody’s Investors Service and Standard & Poor. AM Best rates USAA an "A++," the highest available, for financial strength.
| Average Monthly Insurance Cost: Minimum Liability Coverage | Average Annual Insurance Cost: Minimum Liability Coverage |
| $18 | $214 |
Best Wisconsin Car Insurance Company for Full Coverage: West Bend
The winner for the best Wisconsin car insurance company for full coverage is West Bend. West Bend allows drivers in Wisconsin to create a car insurance policy that offers more of the coverage they need, while maintaining an affordable rate. A full coverage auto policy from West Bend averages about $72 per month in Wisconsin.
West Bend was founded in 1894, giving the carrier a century and a quarter of experience. The insurance company offers several coverage options for individuals and businesses and is headquartered in West Bend, WI.
The carrier has expanded to offer its products in eleven states and has more than 1,000 employees. West Bend also works with more than 2,200 independent insurance agents to distribute their coverage. In recent years, West Bend surpassed $1.35 million in direct written premium and $3 billion in total assets.
West Bend has become known as a top-rated insurance company with a strong outlook for the future. AM Best gives West Bend an “A” or excellent rating for financial strength.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Car Policy |
| $72 | $864 |
Best Wisconsin Car Insurance Company for Young Drivers: Erie
The winner for the best Wisconsin car insurance company for young drivers is Erie Insurance. Erie offers rates for teens and young drivers that are 64% cheaper than most carriers in the state. A liability-only policy from Erie for young drivers in Wisconsin averages about $54 per month.
First founded in 1925, Erie has nearly a century of experience in the industry. Erie currently has more than five million insurance policies in force. The carrier offers coverage in 12 states and DC.
The insurance company has been named the 12th largest auto insurer in the US, the 11th largest home insurer in the US, and the 12th largest business insurer in the US. Erie is a Fortune 500 company and has been on the list for 20 years. AM Best also awards Erie an “A+” or excellent rating for financial strength.
| Average Monthly Insurance Cost: Minimum Coverage for Young Drivers | Average Annual Insurance Cost: Minimum Coverage for Young Drivers |
| $54 | $648 |
Best Wisconsin Car Insurance Company for Accident History: Erie
The winner for the best Wisconsin car insurance company for drivers with accident history is Erie Insurance. Erie offers coverage for drivers with at least one at-fault accident on their record that's about 67% less than most carriers in the state. A minimum coverage policy from Erie for drivers with accident history is only about $102 per month in Wisconsin.
| Average Monthly Insurance Cost: Drivers after an Accident | Average Annual Insurance Cost: Drivers after an Accident |
| $102 | $1,224 |
Best Wisconsin Car Insurance Company for Married Drivers: West Bend
The winner for the best Wisconsin car insurance company for married drivers is West Bend. West Bend offers some of the cheapest coverage in the state for married drivers. A full coverage policy from West Bend for married drivers averages about $67 per car per month.
| Average Monthly Insurance Cost: Married Drivers | Average Annual Insurance Cost: Married Drivers |
| $67 | $804 |
Wisconsin Car Insurance Requirements
Before you can drive in Wisconsin, you must first buy the state's required types of car insurance. Driving without insurance in Wisconsin can lead to fines or even jail sentences. Here are Wisconsin's required forms and amounts of car insurance:
- Bodily injury liability: In Wisconsin, this coverage is required in the amounts of $25,000 per person and $50,000 per accident. Coverage pays the costs of medical treatment for another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Wisconsin, this coverage is required in the amount of $10,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.
- Uninsured motorist coverage: In Wisconsin, this coverage is required in the amount of $25,000 per person and $50,000 per accident. Coverage can reimburse you for damage to your vehicle or medical treatment if another driver causes a collision and doesn't have any or enough insurance of their own.
Optional car insurance in Wisconsin:
- Personal injury protection: Coverage pays for your own medical expenses after an accident you're at fault for.
- Roadside assistance: Coverage pays the cost of towing services if you break down on the side of the road.
- Comprehensive: Coverage pays for expenses after incidents of threats other than collision, including incidents with large animals, windshield breaks, and more.
- Collision: Coverage pays for damage to your own vehicle after an accident you're at fault for.
- Gap coverage: Coverage pays for the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
- Rental car reimbursement: Coverage pays for the cost of a rental car after a covered accident.
A Wisconsin independent insurance agent can help you assemble a car insurance policy that covers everything necessary.
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Average Cost of Car Insurance in Wisconsin
The average costs of car insurance in Wisconsin annually are currently $930. Well below the current national average rate of $1,311 per year, Wisconsin overall ranks number 46 in the US for car insurance prices, being one of the cheapest five states for coverage. Just keep in mind that the cost of your personal car insurance policy may vary based on many factors, including your credit score, driving record, claims history, etc. A full coverage auto policy in Wisconsin starts at about $72 per month from affordable carriers like West Bend.
Average Wisconsin Car Insurance Costs By City
Auto insurance rates in Wisconsin also vary by city. Depending on the rate of traffic and crime in your town, as well as the area's car values and risk of severe weather damage, your car insurance rates will be impacted. In Wisconsin, drivers in the town of Sheboygan pay only about $1,053 per year for car insurance, which is the lowest average in the state. However, drivers in the town of Milwaukee pay about $1,466 per year, which is the highest average in the state by far.
Finding Car Insurance Discounts in Wisconsin
Auto insurance rates can typically be reduced no matter where you live. Though car insurance discounts vary by carrier, there are many common options offered by most companies. Check for these common car insurance discounts in Wisconsin to add to your policy:
- Anti-theft devices: You might qualify for this discount if your vehicle is equipped with security devices like an alarm.
- Safe driver discount: You might qualify for this discount if you've maintained a clean driving record.
- Military discount: You might qualify for this discount if you're an active or retired military member.
- Paperless billing: You might qualify for this discount if you sign up for paperless billing statements.
- Student driver discount: You might qualify for this discount if your policy has a student driver on it.
- Other discounts: You might qualify for this discount if you belong to a union, group, or the government, or are a teacher.
An independent insurance agent in Wisconsin can help apply any discounts you've earned to your car insurance policy to reduce your premium rate.
How to Find the Best Car Insurance Quote in Wisconsin
Wisconsin independent insurance agents can help you reduce the costs of your coverage and provide you with the best car insurance quote in the state. These agents shop and compare policy options from a ton of different carriers in the area for you. They'll only let you choose from the very best options around. A Wisconsin independent insurance agent can get you set up with the best car insurance quote in your area today.
How to File a Car Insurance Claim in Wisconsin
Filing a car insurance claim in Wisconsin is a simple process when you know what steps to take. Keep this guide convenient in case you ever find yourself needing to file a car insurance claim. Then follow these easy steps:
- Report the accident: Make sure to report a car accident to the authorities ASAP.
- Seek medical help: Also be sure to get medical treatment for those in need of it right away.
- Call your Wisconsin agent: Your Wisconsin independent insurance agent can handle the rest of the claims process for you by calling your carrier directly.
- Schedule a rental: Ask your agent to do this for you or work with your car insurance company to get a rental vehicle if you'll need it.
- Schedule an evaluation: Finally, you'll need to schedule a virtual or in-person visit with an insurance adjuster to get your vehicle's damage evaluated.
Your Wisconsin independent insurance agent can file insurance claims for you, from start to finish. They'll even keep you updated through every step of the process, including with ETAs for when you should receive reimbursement.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Auto theft rate / 1,000 | Annual insurance cost |
| Appleton | 18.4 | 0.75 | $1,096 |
| Eau Claire | 16.2 | 0.94 | $1,074 |
| Green Bay | 18 | 1.18 | $1,120 |
| Kenosha | 24 | 1.72 | $1,214 |
| La Crosse | 15.8 | 1.22 | $1,098 |
| Madison | 19.6 | 2.09 | $1,265 |
| Milwaukee | 22.2 | 5.84 | $1,466 |
| Oshkosh | 17.1 | 0.89 | $1,137 |
| Racine | 22.4 | 1.24 | $1,249 |
| Sheboygan | 16.4 | 0.39 | $1,053 |
| Waukesha | 21.7 | 0.52 | $1,212 |
| Wauwatosa | 20.9 | 1.34 | $1,316 |
Popular Questions about Wisconsin Car Insurance
Car insurance costs in Wisconsin average just $930 per year, or about $78 per month.
In Wisconsin, your car insurance policy must include at least bodily injury liability, property damage liability, and uninsured motorist coverage. But your policy may vary if you choose to add more coverages to it. Your Wisconsin independent insurance agent can advise you on this.
The state of Wisconsin requires all drivers to carry the following types and amounts of car insurance by state law:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $10,000 of property damage liability
- $25,000 of uninsured motorist coverage per person
- $50,000 of uninsured motorist coverage per accident
No, Wisconsin is actually an "at-fault" or "tort" state for car insurance, meaning the at-fault driver in an accident is held responsible for covering all damages.
No, Wisconsin is one of just seven states that does not require drivers to show proof of car insurance before registering a vehicle in the state.
Yes, you must notify your car insurance company of a new driver in your household within 30 days, including teens. You will need to add your teenager to your car insurance policy in Wisconsin.
Most Wisconsin car insurance companies allow you between 7 and 30 days to insure your new car.
Yes, you must at least satisfy the state's car insurance requirements before you can drive legally in Wisconsin. You must carry at least uninsured motorist coverage, bodily injury liability coverage, and property damage liability coverage before you hit the road.