Low-cost car insurance in Wisconsin

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Drivers in Wisconsin can find the cheapest average premium with Travelers, at $1,089 per year. By comparison, the statewide average monthly cost is $139. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Wisconsin requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Wisconsin, depending on your situation.

Low-cost car insurance companies in Wisconsin

Among all insurers in Wisconsin, Travelers comes in lowest at $1,089 per year – 35% less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Wisconsin.

How we choose low-cost car insurance companies in Wisconsin

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Wisconsin

In Wisconsin, drivers living in the 54113 ZIP code enjoy the lowest average annual premium at $1,303. Check the table below to see which other ZIP codes in the state have more affordable rates.

You might find interesting

• Average car insurance cost in Wisconsin
• Cheapest SR-22 insurance in Wisconsin
• Do you need insurance to register a car in Wisconsin?
• How much is gap insurance in Wisconsin
• Non-owner auto insurance in Wisconsin: Which company has the cheapest rates?
• The best, cheapest car insurance in Wisconsin
• Wisconsin car insurance calculator
• Best and cheapest companies for home and auto bundles in Wisconsin

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Low-cost car insurance in Wisconsin by age

Teen drivers in Wisconsin pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $6,050 more than a 40-year-old driver in Wisconsin.

The table below shows low-cost car insurance rates for drivers of different ages.

Low-cost car insurance in Wisconsin by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Wisconsin

Just one speeding ticket in Wisconsin can raise your rates by 39% – $643 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Low-cost car insurance after an accident in Wisconsin

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Travelers has the lowest average rate at $1,599 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Wisconsin with the most affordable rates for drivers with an accident on their record.

Low-cost car insurance after a DUI in Wisconsin]

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Wisconsin keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Average cost of car insurance Wisconsin

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Wisconsin is $231 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Wisconsin, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Wisconsin.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Wisconsin. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.