Finding Cheap Car Insurance in Wisconsin
Shopping around to find cheap car insurance in Wisconsin shouldn’t be a huge project. We evaluated options in Wisconsin to find the lowest options.
Featured Car Insurance Partners
1
Geico
Good
C-
Low
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Cheap Wisconsin Car Insurance for Good Drivers
USAA and SECURA Insurance are the cheapest Wisconsin car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Wisconsin for Drivers With a Speeding Ticket
A speeding ticket increases car insurance rates by 27% in Wisconsin. The exact rate increase will depend on the insurance company. Even though you’ll see higher insurance rates, you can still compare quotes for the best car insurance.
USAA and SECURA Insurance have the lowest average rates for drivers with a speeding ticket in Wisconsin, so make sure to get quotes from those companies if you’re shopping for Wisconsin auto insurance and have a speeding ticket on your record.
Cheap Wisconsin Car Insurance for Drivers Who Caused an Accident With Injury
Causing a car crash that injures someone will make it difficult to find cheap car insurance. Our analysis found an average increase of 47% in Wisconsin compared to drivers with a good driving record.
If you cause a car crash with an injury, SECURA Insurance and USAA may have the most competitive rates among the insurers in our analysis.
Cheap Wisconsin Car Insurance for Drivers With a DUI
Car insurance premiums in Wisconsin go up an average of 82% if you have a DUI conviction on your record. You can still compare car insurance quotes to look for better rates.
The cheapest Wisconsin car insurance companies for drivers with a DUI are USAA and Erie, among the insurers we analyzed.
Cheap Wisconsin Car Insurance for Drivers With Poor Credit
Wisconsin car insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 84% more for auto insurance in Wisconsin.
USAA and Erie may be good options if you’re looking for cheap Wisconsin auto insurance and you have poor credit.
Cheap Wisconsin Car Insurance for Adding a Teen Driver
Adding a teen to your car insurance policy increases rates by an average of 73% in Wisconsin, compared to rates for a married couple without a teen driver.
Take a look at quotes from State Auto and Sentry if you’re looking for cheap car insurance for teens in Wisconsin.
Cheap Wisconsin Car Insurance for Young Drivers Ages 18 to 25
Getting your own car insurance is an expensive entry into adulthood. Our analysis found that USAA and SECURA Insurance offer the cheapest Wisconsin car insurance for young drivers.
Cheap Wisconsin Car Insurance for Senior Drivers Ages 60-80
USAA and SECURA Insurance offer the best car insurance for seniors who are looking for low costs in Wisconsin. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Least Expensive Vehicles for Insurance in Wisconsin
With the right type of car, you can potentially save money on auto insurance. In Wisconsin, the Jeep Wrangler JL Sport, Subaru Forester 2.5i and Jeep Compass Latitude are among the best options for cheap insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive vehicles to insure are below.
Cars with the most expensive insurance in Wisconsin among popular vehicles are the Tesla Model S Performance ($3,029 per year) and Lexus ES 300H ($1,875 per year).
| Vehicle | Average annual rates in Wisconsin |
|---|---|
|
Jeep Wrangler JL Sport
|
$1,140
|
|
Subaru Forester 2.5I
|
$1,166
|
|
Jeep Compass Latitude
|
$1,177
|
|
Subaru Crosstrek
|
$1,181
|
|
Ford F-150 XL
|
$1,185
|
|
Chevrolet Equinox L
|
$1,194
|
|
Ford Escape S
|
$1,196
|
|
Hyundai Tucson SE
|
$1,200
|
|
Volkswagen Tiguan SE
|
$1,200
|
|
Toyota RAV4 LE
|
$1,204
|
|
Chevrolet Traverse LS
|
$1,209
|
|
Honda CR-V LX
|
$1,211
|
|
Toyota Tacoma SR
|
$1,217
|
|
Chevrolet Trax LS
|
$1,218
|
|
Mazda CX-5 Grand Touring
|
$1,219
|
|
Dodge Grand Caravan SE
|
$1,219
|
|
Honda Pilot SE
|
$1,221
|
|
Chevrolet Colorado
|
$1,227
|
|
Toyota Highlander LE
|
$1,245
|
|
Ford Edge SE
|
$1,246
|
Required Minimum Wisconsin Car Insurance
Car owners in Wisconsin must buy car liability insurance. This essential coverage type pays for damages and injuries you cause to others in a car accident. It also pays for your own legal defense in case you are sued because of a car accident.
Car owners in Wisconsin must buy liability with at least:
- $25,000 for bodily injury to one person.
- $50,000 for bodily injury to multiple people in one accident.
- $10,000 for damage to property in one accident.
This is usually written as 25/50/10.
It’s wise to purchase more than Wisconsin’s minimum liability requirements. If you cause a car accident with multiple injuries, medical bills could quickly surpass the policy limits and you could be responsible for the rest. It’s better to buy higher policy limits to protect your assets, like your house and savings.
Car owners in Wisconsin are also required to carry uninsured motorist insurance (UM). If a driver without liability insurance crashes into you, this coverage pays for your medical expenses. This also covers you if you are hit by a hit-and-run driver. You are required to have at least $25,000 for bodily injury to one person and $50,000 for bodily injury to multiple people in one accident (known as 25/50).
What Else Should I Have in Wisconsin?
Underinsured motorist coverage (UIM). This coverage is similar to UM, but it covers your medical bills when someone crashes into you who has car insurance, but it is insufficient. Car insurance companies in Wisconsin must offer you this coverage, but you can reject it in writing. Generally, this is a good coverage to have.
Collision and comprehensive insurance. These coverage types pay for car repair for a wide range of problems, like car accidents, vandalism, fire, floods, hail, riots, falling objects and collisions with animals. Comprehensive coverage also pays out after car theft.
If you have a car loan or lease, your lender or leasing company will most likely require you to have collision and comprehensive insurance.
Medical payments (MedPay). This covers medical and funeral expenses for you and your passengers arising out of a car accident, no matter who is at fault. Insurance companies in Wisconsin must offer you this coverage, but you can reject it in writing.
Summary: Required Wisconsin Car Insurance
| Coverage | Required Minimum in Wisconsin |
|---|---|
|
Liability insurance
|
•$25,000 per person for bodily injury liability
•$50,000 per accident for bodily injury liability
•$10,000 for property damage
|
|
Uninsured motorist coverage
|
•$25,000 per person
•$50,000 per accident
|
|
Underinsured motorist coverage
|
Not required
|
|
Medical Payments
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Wisconsin?
Wisconsin allows you to use your phone to show an auto insurance ID card. Check with your auto insurance company to see if it offers a mobile app that includes access to electronic ID cards.
Factors Allowed in Wisconsin Car Insurance Rates
Car insurance companies usually look at your driving record, past claims, vehicle model and more when setting rates. In Wisconsin, insurers can also use these factors.
| Factor | Allowed in Wisconsin? |
|---|---|
|
Age
|
No
|
|
Credit
|
No
|
|
Education & occupation
|
Yes
|
|
Gender
|
No
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Wisconsin?
About 13% of Wisconsin drivers have no auto insurance, according to the Insurance Research Council. If they crash into you, you can try to sue them. Or you can use your uninsured motorist coverage for injuries and your collision coverage for vehicle damage.
Penalties for Driving Without Auto Insurance in Wisconsin
If you’re caught driving without insurance in Wisconsin, you could be fined up to $500.
When Can a Vehicle Be Totaled in Wisconsin?
Car insurance companies in Wisconsin can determine if a car is a total loss when the damage exceeds 70% of its market value.
Solving Insurance Problems
If you have an unresolved dispute with a car insurance company, you can file a complaint with the Wisconsin Office of the Insurance Commissioner.
Methodology
To find the cheapest auto insurance companies in Wisconsin, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Wisconsin are based on rates from Acuity, Allstate, American Family, Auto Club Group, Auto-Owners, Erie, Farmers, Geico, Hastings Mutual, IMT Insurance, Integrity Mutual, Nationwide, Pekin Insurance, Progressive, Rockford Mutual, Rural Mutual Insurance, SECURA Insurance, Sentry, State Auto, State Farm, Travelers, Kemper, USAA, West Bend Mutual and Western National.
