Low-cost car insurance in Wisconsin

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In Wisconsin, Travelers offers the cheapest average premium at $1,284 per year. For comparison, the statewide average monthly cost is $169, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Wisconsin, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Travelers offers the lowest car insurance rates in Wisconsin, at $1,284 per year, which is about $742 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,885.
The ZIP code 54952 has the low-cost car insurance rates in Wisconsin, at an average annual rate of $1,576.

Low-cost car insurance businesses in Wisconsin

When comparing insurers in Wisconsin, Travelers leads the pack with an annual average of $1,284. That’s $742 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Wisconsin.

Company	Average annual rates
Travelers	$1,284
GEICO	$1,376
Nationwide	$1,825
West Bend Insurance Company	$1,844
Erie Insurance	$1,951
Acuity Insurance	$2,464
Farmers	$2,664
Allstate	$2,923
Progressive	$3,563
USAA*	$1,176

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Wisconsin

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Wisconsin

Drivers in the 54952 ZIP code pay the lowest average annual premium in Wisconsin, at $1,576. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
54952	Menasha	$1,576
54126	Greenleaf	$1,595
54915	Appleton	$1,635
54136	Kimberly	$1,639
54113	Combined Locks	$1,648
54956	Neenah	$1,648
54241	Two Rivers	$1,656
54313	Howard	$1,659
54301	Allouez	$1,659
54914	Appleton	$1,661

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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.

Car insurance rates in Wisconsin by city

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Low-cost car insurance in Wisconsin by age

Young drivers often face the highest premiums. In Wisconsin, for example, a 16-year-old pays $9,344 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$7,815
Young Adults (20-24)	$3,248
Adults (25-60)	$2,009
Seniors (65-75)	$1,959

Low-cost car insurance in Wisconsin by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Wisconsin

A single speeding ticket in Wisconsin can push your rates up by 39%, or about $783. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,284	$1,944	51%	$659
Erie Insurance	$1,951	$2,154	10%	$203
GEICO	$1,376	$2,697	96%	$1,321
Nationwide	$1,825	$3,172	74%	$1,347
Allstate	$2,923	$3,365	15%	$442
Farmers	$2,664	$4,079	53%	$1,415
Progressive	$3,563	$4,726	33%	$1,163
USAA*	$1,176	$1,376	17%	$200

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Wisconsin

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $1,885.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,284	$1,885	47%	$601
Erie Insurance	$1,951	$2,630	35%	$679
GEICO	$1,376	$2,760	101%	$1,384
Nationwide	$1,825	$3,263	79%	$1,437
Farmers	$2,664	$4,122	55%	$1,458
Allstate	$2,923	$4,739	62%	$1,816
Progressive	$3,563	$6,233	75%	$2,670
USAA*	$1,176	$1,713	46%	$537

*USAA is only available to military community members and their families.

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.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,284	$2,032	$747	58%
Erie Insurance	$1,951	$3,105	$1,155	59%
GEICO	$1,376	$3,472	$2,096	152%
Allstate	$2,923	$3,721	$798	27%
Progressive	$3,563	$4,006	$443	12%
Nationwide	$1,825	$4,242	$2,416	132%
Farmers	$2,664	$5,614	$2,950	111%
USAA*	$1,176	$2,171	$995	85%

*USAA is only available to military community members and their families.

Average cost of car insurance Wisconsin

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Wisconsin, the average cost of full coverage is $487 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Wisconsin, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

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 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
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.