Cheapest Car Insurance Quotes in Wisconsin (2026)
American Family has the cheapest car insurance in Wisconsin. At $119 per month, full coverage from American Family is $50 per month cheaper than the statewide average.
Find Cheap Auto Insurance Quotes in Wisconsin
Best cheap car insurance in Wisconsin
Best and cheapest car insurance in Wisconsin
- Cheapest full coverage: American Family, $119/mo
- Cheapest minimum liability: Erie, $28/mo
- Cheapest for young drivers: Erie, $62/mo
- Cheapest after a ticket: American Family, $142/mo
- Cheapest after an accident: West Bend, $171/mo
- Cheapest for teens after a ticket: Erie, $72/mo
- Cheapest after a DUI: West Bend, $178/mo
- Cheapest for poor credit: State Farm, $182/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie offers the best combination of affordable rates and great customer service in Wisconsin.
American Family also offers cheap rates for many Wisconsin drivers. While American Family's customer service isn't bad, Erie's reviews are much better.
Cheapest Wisconsin auto insurance: Erie
American Family, Erie and USAA have the most affordable full coverage quotes in Wisconsin.
Find Cheap Auto Insurance Quotes in Wisconsin
- American Family has the cheapest full coverage rates for most people in Wisconsin, at $119 per month. That's $50 per month less than the state average.
- Erie offers the best combination of affordable rates and excellent customer service. It costs $9 per month more than American Family. But Erie's outstanding customer service may be worth the extra cost, especially if you're in an accident in the future.
- USAA has the cheapest rates in Wisconsin overall, at $104 per month. However, only military members, veterans and some of their family members can get insurance from USAA.
Best cheap full coverage car insurance in Wisconsin
Company | Monthly rate | |
|---|---|---|
| American Family | $119 |
| Erie | $128 |
| Geico | $148 |
| Auto-Owners | $160 |
| West Bend | $162 |
*USAA is only available to current and former military members and their families.
Data-powered research on Wisconsin car insurance
| Data-powered research on WI car insurance |
|---|
Cheapest liability car insurance in Wisconsin: Erie
Erie has the cheapest rates for a minimum-liability policy in Wisconsin at $28 per month.
That's $17 per month cheaper than the Wisconsin state average of $45 per month. USAA also offers cheap minimum coverage quotes to Wisconsin drivers with military ties, at $28 per month.
Best cheap liability insurance in WI
Company | Monthly rate |
|---|---|
| Erie | $28 |
| American Family | $33 |
| Auto-Owners | $38 |
| Geico | $42 |
| West Bend | $47 |
*USAA is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Wisconsin
Cheap auto insurance in Wisconsin for teens: Erie and American Family
Erie has the cheapest liability-only car insurance for young drivers in Wisconsin.
A minimum liability policy from Erie costs around $62 per month for an 18-year-old driver. That's significantly less than half the Wisconsin average of $161 per month.
American Family has the most affordable full coverage quotes for Wisconsin teens. At $275 per month, full coverage from American Family is $250 per month cheaper than the state average.
Teens looking for full coverage insurance should also compare quotes from Erie. It has better customer service than American Family, and it may be the cheapest option for some people.
Best Wisconsin insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $62 | $299 |
| American Family | $91 | $275 |
| Geico | $101 | $360 |
| West Bend | $109 | $307 |
| Auto-Owners | $135 | $384 |
*USAA is only available to current and former military members and their families.
Auto insurance for an 18-year-old driver in Wisconsin is more than triple the cost of coverage for a 30-year-old driver, on average. That's because young drivers are more likely to get into an accident than experienced drivers.
These high prices may make some young drivers consider getting a minimum coverage policy. But that is often not a good idea.
The easiest way for young drivers in Wisconsin to find cheap car insurance rates is by sharing a policy with their parents.
Minimum coverage could help you save money on insurance if you don't have an expensive car and don't have a loan or lease. However, you'll have to pay for repairs to your own car if you cause an accident.
Cheap Wisconsin insurance after a speeding ticket: American Family and Erie
American Family and Erie have the cheapest car insurance in Wisconsin for drivers with a speeding ticket. Full coverage from both companies costs $142 per month, on average, after one speeding ticket. That's one-third cheaper than the Wisconsin average of $210 per month.
If you get similar quotes from American Family and Erie, Erie is typically the better choice. That's because Erie has better customer service reviews than American Family.
Affordable car insurance with a ticket in Wisconsin
Company | Monthly rate |
|---|---|
| American Family | $142 |
| Erie | $142 |
| Auto-Owners | $160 |
| West Bend | $183 |
| State Farm | $190 |
*USAA is available only to current and former military members and their families.
Wisconsin drivers can expect their car insurance rates to go up by around 25% after one speeding ticket. That's an average increase of $42 per month for full coverage.
Your rates go up after a speeding ticket because insurance companies believe you're more likely to cause an accident in the future. Speeding typically leads to more severe injuries and greater damage after an accident, which results in a more expensive bill for the insurance company.
Cheapest quotes in Wisconsin after an accident: West Bend
West Bend has the cheapest full coverage insurance in Wisconsin after an accident, at $171 per month. That's around one-third less than the state average, which is $249 per month. However, West Bend doesn't offer online quotes, so you'll have to contact an agent to buy a policy.
Erie is a better choice if you prefer comparing quotes online. At $182 per month, full coverage from Erie is $67 per month cheaper than the Wisconsin average.
Cheap car insurance in Wisconsin after a crash
Company | Monthly rate |
|---|---|
| West Bend | $171 |
| Auto-Owners | $180 |
| Erie | $182 |
| American Family | $201 |
| State Farm | $204 |
*USAA is only available to current and former military members and their families.
On average, car insurance rates in Wisconsin go up by 48% after an at-fault accident. That's an average increase of $81 per month for full coverage insurance.
It's a good idea to compare rates after a change in your driving history. But don't rush to buy a new policy right after an accident.
Your insurance company typically won't raise your rates until it's time to renew your policy, so you should wait until your current policy is about to expire before making a change.
Best auto insurance in Wisconsin for teens after a ticket or accident: Erie
Erie has the best rates for young drivers with a speeding ticket or an at-fault accident in Wisconsin.
Minimum liability coverage from Erie costs $72 per month for an 18-year-old with one speeding ticket. That's less than half the state average cost, $183 per month.
Teens with an accident on their record pay $82 per month for a minimum liability policy from Erie, which is also less than half the Wisconsin average of $206.
Cheap Wisconsin auto insurance quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $72 | $82 |
| West Bend | $123 | $114 |
| American Family | $127 | $169 |
| Geico | $127 | $175 |
| Auto-Owners | $135 | $166 |
*USAA is only available to current and former military members and their families.
Young drivers in Wisconsin can expect their rates to go up by around 13% after one speeding ticket and 28% after an at-fault accident. This is a smaller increase than older drivers typically see after a ticket or accident because teens are already considered high-risk, even with a clean record.
Best Wisconsin car insurance rates after a DUI: West Bend
West Bend has the most affordable car insurance for drivers with a DUI in Wisconsin. Full coverage from West Bend costs $178 per month after a DUI, which is one-third cheaper than the statewide average. It's also $39 per month less than the second-cheapest company, American Family.
It's probably worthwhile to contact a local independent agent to get a quote from West Bend after a DUI.
Affordable car insurance in Wisconsin after a DUI
Company | Monthly rate |
|---|---|
| West Bend | $178 |
| American Family | $217 |
| Erie | $222 |
| Geico | $247 |
| Auto-Owners | $263 |
*USAA is only available to current and former military members and their families.
The average cost of car insurance in Wisconsin goes up by 58% after a DUI. That's an average increase of $98 per month for drivers with full coverage insurance.
You may also have to get SR-22 insurance in Wisconsin after a DUI. An SR-22 filing typically costs between $15 and $50, on top of any increase in your car insurance rates.
Best Wisconsin auto insurance for drivers with poor credit: State Farm
State Farm offers the most affordable rates in Wisconsin for drivers with poor credit scores, at $182 per month for full coverage. That's $122 per month cheaper than the state average and $29 per month less than the second-cheapest company, American Family.
Cheapest car insurance in Wisconsin for bad credit
Company | Monthly rate |
|---|---|
| State Farm | $182 |
| American Family | $211 |
| Geico | $224 |
| West Bend | $237 |
| Acuity | $274 |
*USAA is available only to current and former military members and their families.
Full coverage car insurance in Wisconsin costs $135 per month more for drivers with poor credit compared to those with good credit.
Your credit score doesn't have anything to do with your driving habits, but it can affect your car insurance rates. Car insurance companies believe drivers with bad credit are more likely to file a claim in the future. That makes them more expensive to insure.
Best car insurance in Wisconsin
Erie has the best auto insurance in Wisconsin for most people.
Erie earned a high score from ValuePenguin editors based on its good customer reviews, helpful coverage and affordable rates.
USAA is also an excellent option, but it sells car insurance only to active duty military members, veterans and some of their family members.
Top auto insurance companies in Wisconsin
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA* | 735 | A++ | |
| Erie | 703 | A | |
| State Farm | 650 | A++ | |
| Auto-Owners | 638 | A+ | |
| American Family | 640 | A |
Wisconsin auto insurance rates by city
Brill, a community in Barron County, has the most expensive car insurance in Wisconsin at $228 per month for full coverage.
Kimberly, a small village outside of Appleton, has the cheapest rates at $136 per month.
Average Wisconsin car insurance quotes by city
City | Monthly rate | % from average |
|---|---|---|
| Abbotsford | $171 | 1% |
| Abrams | $168 | 0% |
| Adams | $183 | 9% |
| Adell | $158 | -6% |
| Afton | $154 | -9% |
In Wisconsin, average car insurance quotes can vary by as much as $92 per month from one city to the next. Auto insurance in more densely populated urban areas often costs more than in rural areas. That's because accidents and car theft are more common in large cities.
Minimum car insurance requirements in Wisconsin
All insurance policies in Wisconsin must have a minimum amount of liability and uninsured motorist coverage, sometimes written as 25/50/10.
Liability coverage pays for the other drivers’ injuries and damage if you cause an accident. Uninsured motorist coverage pays your medical bills if you're hit by a driver who doesn't have insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
In Wisconsin, if you give someone permission to drive your car and they crash it, your insurance will pay for any damage up to your chosen limits. This differs from most other states, where your insurance only covers drivers listed on your policy.
What's the best car insurance coverage for Wisconsin?
Full coverage is usually the best option for most Wisconsin drivers.
Full coverage insurance includes coverage to pay for damage to your own vehicle, called comprehensive and collision coverage.
Minimum coverage car insurance is the cheapest coverage option in Wisconsin. However, minimum coverage only pays for the other driver's injuries or property damage — it doesn't cover damage to your car.
The minimum liability limits in Wisconsin also may not be high enough to cover the cost of a major crash. For example, Wisconsin only requires $10,000 of property damage insurance. If you hit an expensive or brand-new car, the minimum amount may not be enough to repair or replace it.
If you have a car loan or lease, your lender typically requires you to have full coverage. You should also consider full coverage if your car is newer than eight years old or worth more than $5,000.
Frequently asked questions
What is the cheapest car insurance in Wisconsin?
Erie is the most affordable car insurance company in Wisconsin for 2026. Minimum liability coverage from Erie costs an average of $28 per month.
American Family has the cheapest full coverage rates in Wisconsin at $119 per month. You can lower your monthly rate even more by bundling your renters or homeowners insurance with your auto policy.
How much is car insurance in Wisconsin per month?
The average cost of car insurance in Wisconsin is $168 per month for full coverage. That makes it the ninth-cheapest state for full coverage car insurance.
How much insurance do I need in Wisconsin?
The minimum requirement for car insurance in Wisconsin includes $25,000 of bodily injury liability coverage per person and $50,000 per accident, plus matching uninsured motorist coverage. You’ll also need $10,000 of property damage coverage.
How much is auto insurance in Green Bay, WI?
The average cost of car insurance in Green Bay is $138 per month for a full coverage policy. That's 18% cheaper than the Wisconsin average. In comparison, drivers in Milwaukee pay an average of $219 per month for the same coverage.
Methodology
ValuePenguin collected thousands of rates from ZIP codes across Wisconsin for the largest insurance companies in the state. Rates are for a 30-year-old man who drives a 2018 Honda Civic EX and has good credit.
Quotes for a full coverage policy include higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
