Low-cost car insurance in Wisconsin

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Drivers in Wisconsin can find the cheapest average premium with Travelers, at $1,284 per year. By comparison, the statewide average monthly cost is $169. 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.

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 companies in Wisconsin

Travelers offers the lowest car insurance rates in Wisconsin, with an average annual premium of $1,284 per year. It’s $742 less expensive than the average car insurance cost in Wisconsin. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

In Wisconsin, drivers living in the 54952 ZIP code enjoy the lowest average annual premium at $1,576. Check the table below to see which other ZIP codes in the state have more affordable rates.

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

Just one speeding ticket in Wisconsin can raise your rates by 39% – $783 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.

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

Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $1,885 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

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 places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Wisconsin are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

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

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

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

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

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 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.