Home Car insurance Car insurance rates by state Cheapest car insurance in Wisconsin Cheapest car insurance in Wisconsin Travelers has the cheapest car insurance rates for Wisconsin drivers at $1,089 a year, based on Insure.com's data study. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 26, 2025 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. Travelers offers the cheapest car insurance in Wisconsin, with an average annual cost of $1,089, based on Insure.com’s data study. However, the exact rates may vary based on factors specific to you.Each state has different car insurance requirements. In Wisconsin, drivers are required to carry minimum liability coverage of $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $10,000 for property damage accident. However, many Wisconsin drivers prefer full coverage car insurance because it provides adequate coverage in the event of an accident.Below, you’ll find which insurance companies are the most affordable for different categories. Cheapest overall: Travelers $1,089/year National avg. rate Cheapest for at-fault accident: Travelers $1,599/year Avg. rate after an at-fault accident Cheapest for speeding ticket: Erie Insurance $1,450/year Avg. rate after speeding ticket Key Takeaways Travelers offers the lowest car insurance rate in Wisconsin, at $1,089 per year, which is about 35% cheaper than the state average.Travelers has the cheapest rates for drivers with a history of at-fault accidents, with an average annual cost of $1,599.The ZIP code 54113 has the most affordable car insurance rates in Wisconsin, at an average annual cost of $1,303. Cheap car insurance companies in WisconsinTravelers offers the cheapest car insurance in Wisconsin, with an average price of $1,089 per year. It’s 35% less expensive than the average car insurance cost in Wisconsin. The rates 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 for car insurance from the cheapest car insurance companies.CompanyAverage annual ratesTravelers$1,089GEICO$1,195Nationwide$1,287Erie Insurance$1,313West Bend Insurance Company$1,373Acuity Insurance$1,933Progressive$2,128Farmers$2,139State Farm$2,378Allstate$2,515USAA*$984 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Wisconsin 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in WisconsinIn Wisconsin, the 54113 ZIP code has the most affordable car insurance rates at $1,303. The table below shows the cheapest ZIP codes for car insurance rates.ZIP codeCityAverage annual rates54113Combined Locks$1,30354956Neenah$1,30454136Kimberly$1,30654952Menasha$1,30754915Appleton$1,30954914Appleton$1,30954140Little Chute$1,31154313Howard$1,31754301Allouez$1,31854911Appleton$1,319Auto 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 cityGreen BayKenoshaMadisonMilwaukeeCheapest car insurance in Wisconsin by ageIn Wisconsin, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $6,050 more for insurance than a 40-year-old driver.Below are the cheapest auto insurance rates for Wisconsin drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$5,774Young Adults (20-24)$2,672Adults (25-60)$1,661Seniors (65-75)$1,613 You might find interesting The best, cheapest car insurance in WisconsinWisconsin car insurance calculatorNon-owner auto insurance in Wisconsin: Which company has the cheapest rates?Cheapest SR-22 insurance in WisconsinBest and cheapest companies for home and auto bundles in Wisconsin Cheapest car insurance in Wisconsin by driver historyYour driving history plays a key role in determining your car insurance rates. If you cause an accident or are convicted of a driving offense, your premiums are likely to rise. However, a clean driving record indicates that you are a low-risk driver, which can result in lower insurance costs.Cheapest car insurance after a speeding ticket in WisconsinBelow is a list of the top three companies that provide affordable car insurance for drivers with a speeding ticket.Erie Insurance: $1,450 per yearTravelers: $1,649 per yearNationwide: $2,236 per yearA single speeding ticket in Wisconsin can cause your insurance rates to go up by 39%, or $643, according to Insure.com’s analysis.Dealing with a speeding ticket can be a hassle, as it involves paying a fine and facing increased insurance rates. However, there are some insurers who offer affordable premiums to drivers with a speeding ticket on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseErie Insurance$1,313$1,45010%$137Travelers$1,089$1,64951%$560Nationwide$1,287$2,23674%$949GEICO$1,195$2,34296%$1,147State Farm$2,378$2,5839%$205Progressive$2,128$2,82333%$695Allstate$2,515$2,89615%$381Farmers$2,139$3,27553%$1,136USAA*$984$1,15217%$168 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in WisconsinHere are the top three insurers that provide cheap car insurance rates following an accident.Travelers: $1,599 per yearErie Insurance: $1,770 per yearNationwide: $2,300 per yearTravelers offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $1,599 annually.If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseTravelers$1,089$1,59947%$510Erie Insurance$1,313$1,77035%$457Nationwide$1,287$2,30079%$1,013GEICO$1,195$2,398101%$1,203State Farm$2,378$2,78717%$409Farmers$2,139$3,31055%$1,171Progressive$2,128$3,72375%$1,595Allstate$2,515$4,07862%$1,563USAA*$984$1,43446%$450 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in WisconsinBelow is a list of the top three companies offering affordable car insurance following a DUI conviction.Travelers: $1,723 per yearErie Insurance: $2,091 per yearProgressive: $2,393 per yearIf you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseTravelers$1,089$1,723$63458%Erie Insurance$1,313$2,091$77859%Progressive$2,128$2,393$26512%State Farm$2,378$2,583$2059%Nationwide$1,287$2,990$1,703132%GEICO$1,195$3,016$1,821152%Allstate$2,515$3,202$68727%Farmers$2,139$4,508$2,369111%USAA*$984$1,817$83385% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in WisconsinFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Wisconsin is $231 less than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in Wisconsin?Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.In Wisconsin, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.Final thoughtsWhile it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy in Wisconsin.MethodologyInsure.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 violation 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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWyomingShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in WisconsinHow we choose the cheapest car insurance companies in WisconsinCheapest ZIP codes for car insurance in WisconsinCheapest car insurance in Wisconsin by ageCheapest car insurance in Wisconsin by driver historyAverage car insurance cost in WisconsinFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330