Car Insurance Non-owner auto insurance in Wisconsin: Which company has the cheapest rates? The best non-owner insurance rates in Wisconsin are available from USAA and Auto-Owners. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on April 12, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Wisconsin costs $248 per year, which is $105 lower than the U.S. average, according to a 2023 rate analysis from Insure.com. In Wisconsin, non-owner policies are available from companies such as Erie Insurance, Geico and State Farm. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Wisconsin. How much does non-owner car insurance cost in Wisconsin? Non-owner insurance is usually less expensive than full coverage auto insurance—insurance companies consider non-owner policyholders as less risky because they have minimal access to a vehicle. On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Wisconsin, full coverage car insurance costs $1,325. On the other hand, non-owner car insurance costs $353 a year on average in the United States and $248 in Wisconsin. But actual rates are based on your age and driving history and also where in Wisconsin you live. Which insurer offers the cheapest non-owner insurance rates in Wisconsin? USAA offers Wisconsin’s least expensive non-owner insurance policy at $91 a year. At $442 a year, Kemper Insurance charges the highest rate for non-owner insurance in the state. Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below. Cheapest non-owner insurance rates in Wisconsin CompanyAverage annual premiumUSAA$91Auto-Owners$94Erie Insurance$105Geico$108State Farm$133 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Wisconsin by age? Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Wisconsin, a 45-year-old will pay an average of $242 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,042. Average non-owner auto insurance rates in Wisconsin by age and gender AgeMaleFemale16$1,111$97317$900$80018$758$67719$559$49420$485$43521$386$34922$360$32923$336$31424$318$30225$280$27930$264$26035$256$25540$248$24745$242$24150$237$23555$230$22760$232$22865$251$23870$278$26375$308$285 Which Wisconsin cities have the cheapest non-owner car insurance? There’s a great deal of variation from city to city when it comes to rates. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities. Below are the cheapest and most expensive cities for non-owner car insurance in Wisconsin. The 20 Wisconsin cities with the lowest non-owner car insurance rates Cities in WisconsinLowest non-owner car insurance ratesFifield$203Kennan$203Phillips$203Brantwood$205Catawba$205Hurley$205Montreal$205Park Falls$205Ashland$206Ogema$206Washburn$206Iron Belt$207La Pointe$207Mellen$207Prentice$207Saxon$207Bayfield$208Mason$208Mercer$208Cornucopia$209 The 20 Wisconsin cities with the highest non-owner auto insurance rates Cities in WisconsinHighest non-owner car insurance ratesMilwaukee$369St. Francis$363Bayside$360Greenfield$357Kenosha$352Cudahy$349Greendale$348Racine$348Pleasant Prairie$346Benet Lake$342Franklin$342Hales Corners$342Oak Creek$342South Milwaukee$341Woodworth$340Mount Pleasant$338Bristol$333Madison$274Janesville$259Oshkosh$252 How much is non-owner auto insurance in Wisconsin’s 10 biggest cities? The most populous cities in Wisconsin have varying non-owner insurance rates. The cost of non-owner insurance in Milwaukee is the most expensive at $369; Fifield has the least expensive rates of the largest cities in the state at $203. Non-owner car rates in Wisconsin’s 10 largest cities 10 largest cities in WisconsinNon-owner car ratesMilwaukee$369Kenosha$352Racine$348Madison$274Janesville$259Oshkosh$252Appleton$251Green Bay$248Eau Claire$237Fifield$203 How non-owner insurance rates in Wisconsin compare to rates in other states Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Wisconsin is $248 a year, which is lower than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 a year. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-ownercar insurance in Wisconsin Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage In many cases, you’ll get proof of insurance almost immediately. For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote. “The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance. Here are a few insurance companies with their phone numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033 USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. Leslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy 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? Buying and insuring a used car: Most and least expensive models to insure in 202... 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