Cheap Car Insurance in Wisconsin for 2024 (Check Out the Top 10 Companies)
Discover the best companies for cheap car insurance in Wisconsin from top providers such as Sate Farm, Geico, American Family which offers the best rates of $20 monthly. These best companies are known for their affordable premiums, reliable service, and discounts, helping drivers choose the right policy.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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Choosing cheap car insurance in Wisconsin requires evaluating various providers based on their rates, coverage options, and customer satisfaction. This article highlights the top 10 companies for 2024, with a special focus on State Farm as the best overall for its competitive rates and exceptional service.
Finding cheap car insurance in Wisconsin is a priority for many residents. Whether you are a long-time driver or a new one, understanding how insurance companies calculate your car insurance rate and the factors that affect rates in the state can help you make informed decisions.
Our Top 10 Company Picks: Cheap Car Insurance in Wisconsin| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $20 | B | Reliable Claims | State Farm |
 | #2 | $21 | A++ | Competitive Premiums | Geico |
 | #3 | $22 | A | Financial Standing | American Family |
 | #4 | $24 | A+ | Local Agents | Erie |
 | #5 | $25 | A++ | Extensive Coverage | Travelers |
 | #6 | $30 | A++ | Multi-Policy Discounts | Auto-Owners |
 | #7 | $32 | A+ | Competitive Rates | Progressive |
 | #8 | $38 | A+ | Many Discountds | Farmers |
 | #9 | $43 | A+ | Personalized Service | Allstate |
 | #10 | $79 | A+ | Safe-Driving Discounts | Nationwide |
In this article, we will explore the basics of car insurance in Wisconsin, the minimum requirements set by the state, factors that influence insurance rates, tips for finding affordable coverage, and the top providers offering cheap car insurance in Wisconsin. Enter your ZIP code now.
- Explore top options for cheap car insurance in California
- Learn about discounts to reduce your insurance premium
- Evaluate your coverage needs for the best value
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#1 – State Farm: Top Overall Pick
Pros
- Reliable Claims Processing: State Farm is known for resolving claims within 48 hours. Check our detailed guide for more info “State Farm Insurance Review & Ratings.”
- Usage-Based Insurance (UBI) Program: The Drive Safe & Save program rewards safe driving with discounts, benefiting careful Wisconsin drivers.
- Mobile App Functionality: The State Farm app enables Wisconsin drivers to manage policies, file claims, and request roadside assistance.
Cons
- Higher Rates for Young Drivers: State Farm’s higher premiums for young drivers in Wisconsin may deter first-time insurance seekers, making it harder to find cheap car insurance in the state.
- Limited Availability of Discounts: The discounts may be less comprehensive than those of other insurers, especially for bundling home and auto policies.
#2 – Geico: Best for Competitive Premium
Pros
- Competitive Low Rates: Geico offers some of the lowest premiums in Wisconsin, particularly for those needing minimum coverage. For affordable options, check out our “Geico Auto Insurance Review.”
- Military Discounts: Offers exclusive discounts for military personnel and veterans, making it a great choice for military families in Wisconsin.
- Online Quote and Management: Online platform quoting and policy management, making it easy for tech-savvy to compare rates and find cheap car insurance in Wisconsin quickly.
Cons
- Limited Local Agents: Geico has fewer local agents in Wisconsin, which may not suit drivers who prefer face-to-face interactions.
- Customer Service Issues: Some Wisconsin customers report slower response times in resolving complex claims and coverage disputes.
#3 – American Family: Best for Financial Standing
Pros
- Multi-Policy Discount Opportunities: Bundling auto insurance with home or renters insurance can lead to significant savings. This strategy is popular for achieving cheap car insurance in Wisconsin.
- High Financial Stability: American Family has a strong A.M. Best rating, reflecting its financial stability and reliability for long-term policyholders.
- Focus on Wisconsin Market: As a regional insurer in Wisconsin, they have a better understanding of local customer needs and regulations than national competitors.
Cons
- Higher Premiums for Basic Coverage: Basic coverage options tend to be more expensive compared to other low-cost competitors in Wisconsin.
- Limited Online Capabilities: The online system for managing policies may not be as user-friendly, as discussed in our “How to File an Car Insurance Claim With American Family Insurance Company“
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#4 – Erie: Best for Local Agents
Pros
- Personalized Local Agent Experience: A strong local agent presence enables Wisconsin drivers to receive tailored advice and build relationships.
- Lock-In Rate Feature: Erie’s “Rate Lock” feature keeps premiums steady after a claim, aiding budget-conscious customers seeking cheap car insurance in Wisconsin.
- Discounts for Young Drivers: Provides unique discounts tailored specifically for young drivers who maintain good grades or complete driver education programs
Cons
- Availability Limitations: Erie’s policies are not available statewide, limiting access for some Wisconsin residents. Learn on our Bundling Home and Auto Insurance With Erie.
- Slow Digital Transition: Lacks robust online and mobile management options, which can be a drawback for those who prefer digital interfaces.
#5 – Travelers: Best for Extensive Coverage
Pros
- Broad Coverage Options: Offers a wide range of coverage types including rideshare coverage, ideal for Wisconsin drivers working for services like Uber or Lyft.
- Gap Insurance Available: Travelers offers gap insurance, which is beneficial for Wisconsin drivers who lease or finance their vehicles.
- Accident Forgiveness: The accident forgiveness program keeps rates from rising after a first at-fault accident, helping maintain cheap car insurance in Wisconsin.
Cons
- Above-Average Premiums: Travelers’ rates can be higher than the market average for comprehensive and collision coverages. See our guide. “How can I pay my Travelers insurance premium?“
- Mixed Customer Reviews: While many appreciate their flexibility, some Wisconsin customers report dissatisfaction with the claims process.
#6 – Auto-Owners: Best for Multi-Policy Discounts
Pros
- Exceptional Financial Strength: Auto-Owners has an A++ rating from A.M. Best, reflecting high reliability for claim payments.
- Unique Coverage Add-Ons: Provides rare options like diminished value coverage, which compensates for loss in vehicle value after an accident.
- Consistent Policy Renewal Discounts: Offers loyalty rewards that reduce rates for long-term Wisconsin customers, making it a great option for cheap car insurance.
Cons
- Lack of Online Tools: Limited online capabilities make it harder for tech-savvy customers to manage policies digitally. See our article titled, “Auto Owners Insurance Review & Ratings.”
- Not the Cheapest for Young Drivers: Rates for younger drivers tend to be higher than competitors, limiting its appeal to this demographic.
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#7 – Progressive: Best for Competitive Rates
Pros
- Snapshot Program for Additional Savings: Usage-based program offering discounts for monitored driving behavior. Check our guide titled, “Progressive Insurance Review & Ratings.”
- Name Your Price Tool: Allows Wisconsin drivers to build policies based on budget, making it easier to find cheap car insurance in Wisconsin without sacrificing key coverage elements.
- Comprehensive Online Platform: Progressive’s website and mobile app offer seamless policy management, which is a convenience for tech-savvy Wisconsin drivers.
Cons
- Complex Pricing Structure: The rate structure can be difficult to understand, which may deter some Wisconsin customers.
- Mixed Customer Satisfaction Ratings: Some Wisconsin drivers report dissatisfaction with Progressive’s customer service, particularly with claims handling.
#8 – Farmers: Best for Many Discounts
Pros
- Extensive Coverage Options: Farmers Insurance offers a broad range of coverage options, including specialized coverages like new car replacement and customized equipment coverage.
- Strong Customer Support and Local Agents: Farmers provides personalized support through local agents in Wisconsin, helping drivers find cheap car insurance.
- Discount Opportunities: Farmers provides discounts for safe driving, bundling, and good students. Check our article for more details. “Farmers Insurance Review & Ratings.”
Cons
- Higher Premiums for Comprehensive Coverage: Farmers generally offers higher rates for coverages in Wisconsin, making it less favorable for those seeking cheap car insurance in Wisconsin.
- Mixed Online Experience: Farmers has online tools for policy management, but some users find the experience less intuitive than more tech-savvy insurers.
#9 – Allstate: Best for Personalized Service
Pros
- Usage-Based Insurance Option: The Drivewise program offers discounts for safe driving, which can significantly lower premiums for cautious drivers.
- Excellent Claims Satisfaction: Allstate has high customer satisfaction ratings for its claims process, which is important for ensuring a positive experience.
- Wide Variety of Discounts: Offers discounts for new vehicles, multi-policy bundling, and safe driving, making it easier to find cheap car insurance in Wisconsin.
Cons
- Higher Base Premiums: Allstate tends to have higher base premiums, especially for minimum liability coverage in Wisconsin. Check our guide titled, “Allstate Insurance Review and Ratings.”
- Mixed Feedback on Customer Service: Some Wisconsin customers report inconsistent experiences with Allstate agents, which could impact overall satisfaction.
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#10 – Nationwide: Best for Safe-Driving Discounts
Pros
- Vanishing Deductible Program: Reduces your deductible by $100 for every year of safe driving, encouraging careful driving behavior in Wisconsin.
- On Your Side Review: With our Nationwide car insurance review, annual policy reviews help Wisconsin drivers adjust coverage and find savings.
- Wide Range of Discounts: Offers discounts for everything. These discounts are beneficial for those seeking cheap car insurance in Wisconsin, especially when they stack multiple qualifying discounts.
Cons
- Rates Can Vary Significantly: Nationwide’s premiums can vary greatly depending on ZIP code and driving history, which could make finding consistent cheap car insurance in Wisconsin challenging.
- Mixed Mobile App Reviews: Some Wisconsin customers report issues with the Nationwide mobile app, affecting policy management convenience.
Understanding Car Insurance in Wisconsin
Before we dive into the specifics of finding cheap car insurance in Wisconsin, let’s start by understanding the basics of car insurance.
Car insurance is a financial contract between you and the insurance company, where you pay a premium in exchange for coverage against potential damages, accidents, and injuries related to your vehicle, including car accidents involving uninsured and underinsured drivers.
Wisconsin Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $43 | $123 |
 | $22 | $63 |
| $30 | $90 |
| $24 | $66 |
| $38 | $109 |
| $21 | $62 |
| $79 | $226 |
| $32 | $94 |
| $20 | $58 |
| $25 | $72 |
In Wisconsin, car insurance is mandatory, and it serves to protect not only yourself but also other drivers on the road. By law, all drivers must carry at least the minimum required car insurance coverage.
Car insurance coverage typically consists of three main components: liability coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Liability coverage helps pay for the damages you cause to others in an accident.
It is a crucial component of car insurance as it ensures that victims receive compensation for their injuries and property damage. Without liability coverage, you would be financially responsible for any damages you cause, which could lead to significant financial burden.
Wisconsin Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Uninsured Drivers Rate | B+ | Low uninsured rate |
| Traffic Density | B | Low congestion |
| Average Claim Size | B- | Below average claims |
| Weather-Related Risks | C+ | Frequent snow and ice |
| Vehicle Theft Rate | C | Moderate theft rate |
Personal injury protection (PIP) coverage provides for medical expenses, lost wages, and other costs for you and your passengers in case of an accident. This coverage is particularly important as it ensures that you and your loved ones receive necessary medical treatment and financial support in the event of an injury.
Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who either has no insurance or insufficient coverage. This coverage ensures that you are not left with the financial burden of paying for damages caused by an uninsured or underinsured driver.
5 Common Car Insurance Claims in Wisconsin| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 30% | $3,500 |
| Property Damage | 25% | $2,200 |
| Comprehensive | 20% | $1,800 |
| Bodily Injury | 15% | $15,000 |
| Uninsured Motorist | 10% | $10,000 |
Wisconsin law mandates specific minimum car insurance requirements that all drivers must meet. To legally operate a vehicle in Wisconsin, you must have liability coverage with at least the following limits:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $10,000
These minimum requirements are essential but may not provide extensive coverage in the event of a severe accident. It’s crucial to assess your individual needs and consider additional coverage options to adequately protect yourself.
Car Insurance Discounts From the Top Providers in Wisconsin| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Bundling, Accident Forgiveness, Early Signing |
| Teen Safe Driver, Bundling, Defensive Driving, Loyalty Discount |
| Bundling, Paid-in-Full, Safe Driver, Advance Quote |
| First Accident Forgiveness, Bundling, Safe Driver, Pay-in-Full |
| Signal® App, Bundling, Good Student, Safe Driver |
| Defensive Driving, Bundling, Good Driver, Military Discount |
| Vanishing Deductible®, Bundling, Accident-Free |
| Snapshot®, Bundling, Continuous Insurance, Safe Driver |
| Drive Safe & Save™, Bundling, Accident-Free, Good Student |
| Bundling, Safe Driver, Accident Forgiveness |
Additional coverage options include collision coverage, which helps pay for damages to your vehicle in the event of an accident, regardless of fault. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural disasters.
These additional coverages can provide you with peace of mind and financial security in various situations. When shopping for car insurance in Wisconsin, it’s important to compare quotes from multiple insurance companies to find the best coverage at the most affordable price.
Your coverage needs may vary depending on factors such as your driving record, the value of your vehicle, and your personal financial situation. It’s always a good idea to consult with an insurance agent who can help you assess your needs and find the right coverage for you.
Top Affordable Car Insurance Providers in Wisconsin
State Farm: Overview and Benefits
State Farm is known for its affordable car insurance coverage without compromising quality. They offer competitive rates and discounts for various factors, such as safe driving, bundling policies, and loyalty.
Additionally, they provide excellent customer service and convenient claim handling processes. One of the standout features of State Farm is their commitment to ensuring that their customers receive the best value for their money.
They understand that affordability is important, but they also recognize the importance of quality coverage. Therefore, they have designed their policies to strike the perfect balance between cost and coverage.
Wisconsin Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Appleton | 1,234 | 1,100 |
| Eau Claire | 789 | 700 |
| Green Bay | 4,567 | 3,980 |
| Janesville | 654 | 600 |
| Kenosha | 3,456 | 3,210 |
| Madison | 6,789 | 5,876 |
| Milwaukee | 12,345 | 10,890 |
| Oshkosh | 987 | 850 |
| Racine | 2,345 | 2,100 |
| Waukesha | 1,567 | 1,400 |
Moreover, State Farm goes the extra mile to reward their policyholders for their safe driving habits. To help drivers get low-cost car insurance with driver discounts, they offer a safe driving discount program that incentivizes responsible behavior on the road.
By maintaining a clean driving record, policyholders can enjoy even lower rates, making their car insurance even more affordable.
Geico: Overview and Benefits
Geico is a reliable option for individuals searching for affordable car insurance in Wisconsin. They have a strong reputation for offering competitive rates and providing personalized coverage options tailored to individual needs.
When it comes to affordability, Geico understands that every individual has unique needs and circumstances. That’s why they offer personalized coverage options that allow policyholders to choose the level of protection that suits them best.
By tailoring the coverage to their specific requirements, customers can ensure they are only paying for what they need, making their car insurance more affordable. In addition to their personalized approach, Geico also takes pride in their efficient claims handling processes.
They understand that filing a claim can be a stressful experience, so they strive to make it as smooth and hassle-free as possible. Their dedicated claims team is available round the clock to assist customers and ensure their claims are processed promptly.
American Family: Overview and Benefits
American Family is known for its commitment to providing affordable car insurance solutions to Wisconsin residents. They offer a wide range of coverage options and robust customer support.
With a reputation for transparency and fair pricing, they strive to meet the unique needs of customers while offering competitive rates. What sets American Family apart is their full coverage auto insurance.
Furthermore, American Family is dedicated to providing excellent customer support. They believe that being there for their policyholders is crucial, especially during challenging times.
Wisconsin Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver | A | 25% | State Farm, Progressive, Allstate, Geico |
| Bundling | A- | 25% | Allstate, State Farm, Nationwide |
| Low Mileage | B+ | 20% | State Farm, Allstate, Nationwide |
| Multi-Car | B+ | 20% | Farmers, Nationwide, USAA, Liberty Mutual |
| Pay-in-Full | B+ | 15% | Liberty Mutual, USAA, State Farm |
| Good Student | B | 15% | Geico, State Farm, Progressive, Farmers |
| New Car | B | 15% | Nationwide, Progressive, Liberty Mutual |
| Defensive Driving | B- | 10% | Allstate, Liberty Mutual, USAA |
| Anti-Theft | C+ | 10% | State Farm, Geico, Progressive |
| Paperless Billing | C | 5% | Geico, Progressive, Allstate |
Their knowledgeable and friendly customer service representatives are available to answer any questions or concerns, ensuring that customers have peace of mind knowing they are well taken care of.
In conclusion, finding cheap car insurance in Wisconsin requires understanding the basics of auto insurance, knowing the minimum requirements set by the state, and considering the factors that influence insurance rates.
Schimri Yoyo Licensed Agent & Financial Advisor
Consider researching and comparing offerings from the top providers mentioned in this article to find the best car insurance option that meets your needs and budget. Enter your ZIP code now to start getting your quote.
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Frequently Asked Questions
What factors affect car insurance rates in Wisconsin?
Several factors can affect car insurance rates in Wisconsin, including your age, gender, driving record, type of vehicle, coverage limits, and deductible amount. Insurance companies also consider your location, credit history, and claims history when determining your rates.
How can I find cheap car insurance in Wisconsin?
To find cheap car insurance in Wisconsin, you can start by comparing quotes from multiple insurance companies. Enter your ZIP code now to start getting your quote.
It’s also important to maintain a clean driving record, consider higher deductibles, and take advantage of any discounts you may qualify for, such as safe driver discounts or bundling discounts for insuring multiple vehicles or policies with the same insurer.
What are the minimum car insurance requirements in Wisconsin?
In Wisconsin, the minimum car insurance requirements are liability coverage of at least $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $10,000 for property damage. Try to always check what are the best liability car insurance that suits you.
It’s important to note that these are just the minimum requirements, and you may want to consider higher coverage limits to protect yourself financially in case of an accident.
How does Wisconsin’s minimum coverage requirement compare to other states?
Wisconsin’s minimum coverage requirements are lower than in some states, where higher liability limits are mandated. This can lead to potential financial risks for drivers involved in severe accidents, making additional coverage advisable.
Can I get car insurance in Wisconsin with a bad driving record?
Yes, you can still get car insurance in Wisconsin with a bad driving record, but you may face higher rates. Insurance companies consider your driving record when determining your rates, and a history of accidents, tickets, or DUI convictions can result in higher premiums.
However, some insurers specialize in providing coverage to high-risk drivers, so it’s worth shopping around for quotes. Enter your ZIP code now to start getting your quote.
What discounts are available for car insurance in Wisconsin?
Several car insurance discounts are available in Wisconsin, including safe driver, multi-policy, good student, and safety feature discounts.
Can I get a multi-policy discount on my life insurance policy? Each insurance company may offer different discounts, so it’s best to inquire about them when getting quotes.
What are the key factors that affect car insurance rates in Wisconsin beyond the insurance provider?
Key factors affecting car insurance rates in Wisconsin include age, gender, driving history, and the type of vehicle. Additionally, location, credit score, and the amount of coverage selected can also influence premium rates.
What steps can drivers take to improve their chances of receiving lower insurance premiums?
Drivers can improve their chances of receiving lower premiums by maintaining a clean driving record and considering higher deductibles.
Shopping around and comparing quotes from multiple insurers can also reveal more affordable options. Enter your ZIP code now to start getting your quote.
Are there specific insurance discounts available exclusively to Wisconsin residents?
Wisconsin residents may have access to specific discounts like those for safe driving, best good student car insurance discount, or vehicle safety features. Each insurer may offer unique discounts, so it’s beneficial for drivers to inquire about all available options.
How can drivers assess their individual coverage needs before purchasing insurance in Wisconsin?
Drivers can assess their individual coverage needs by evaluating their driving habits, vehicle value, and financial situation. Consulting with an insurance agent can provide personalized guidance on choosing appropriate coverage levels.
Enter your ZIP code below to compare cheap insurance rates.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.