Erie has the cheapest auto insurance premiums for Wisconsin drivers, with an average monthly rate of $57. USAA comes in second for most affordable rates, with an average of $59. Erie and USAA have most of the cheapest rates for drivers in Wisconsin of any age, including those looking for full coverage and car insurance after an infraction.
It should be pointed out that while USAA has some of the cheapest rates in Wisconsin, it only provides car insurance for currently serving and veteran military as well as their families.
This article will cover
Wisconsin's cheapest car insurance companies
Erie has the most affordable minimum-coverage car insurance for Wisconsin drivers at $57 a month. USAA has the second-cheapest rate for drivers in Wisconsin, but with it limiting its insurance products to military personnel, American Family is the next-cheapest choice for the majority of Wisconsin drivers at $98 a month. To compare, Wisconsin drivers pay an average of $135 a month for car insurance.
The cheapest minimum-coverage car insurance in Wisconsin
Erie has the lowest rates for minimum-coverage car insurance, also known as "standard" or "liability" insurance, in Wisconsin with an average of $57 a month. American Family has the next-cheapest rate for most Wisconsin drivers at $98 a month unless you're military. If you are, USAA is your cheapest option, with an average of $59 a month.
| Company | Monthly rate |
|---|---|
| Erie | $57 |
| USAA | $59 |
| American Family | $98 |
| State Farm | $117 |
| GEICO | $152 |
| Progressive | $154 |
| Allstate | $221 |
| Auto-Owners | $221 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance covers the damages and injuries you are responsible for after an accident. Most states require certain limits of liability auto insurance in order to drive legally. Wisconsin's car liability limits are:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $10,000
The cheapest full-coverage car insurance in Wisconsin
Erie has the cheapest car insurance rates available for most Wisconsin drivers looking for full coverage, with an average of $155 a month. American Family is the next-most-affordable choice for the majority of drivers in Wisconsin at $183 a month.
| Company | Monthly rate |
|---|---|
| USAA | $128 |
| Erie | $155 |
| American Family | $183 |
| State Farm | $232 |
| GEICO | $324 |
| Progressive | $326 |
| Auto-Owners | $411 |
| Allstate | $417 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance is an excellent investment in that it helps cover damages and injuries that you suffer after an accident. Minimum coverage only covers damages you cause others. You are not required by Wisconsin state law to carry full-coverage car insurance. However, if you financed your car, your lender will probably require you to carry it.
Compare rates from top car insurance companies
Wisconsin's cheapest car insurance companies after a driving offense
Erie has the cheapest auto insurance rates for non-military Wisconsin drivers looking for car insurance after an accident, with an average rate of $159 a month. American Family is the next-cheapest option for most drivers in Wisconsin at $217 a month, on average.
| Company | Monthly rate |
|---|---|
| USAA | $132 |
| Erie | $159 |
| American Family | $217 |
| State Farm | $251 |
| Auto-Owners | $376 |
| Progressive | $381 |
| GEICO | $394 |
| Allstate | $494 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Most Wisconsin drivers looking for car insurance after getting a speeding ticket find their lowest rate with American Family at $128 a month. Erie has the next-cheapest option for most drivers in Wisconsin at $140 a month.
| Company | Monthly rate |
|---|---|
| USAA | $113 |
| American Family | $128 |
| Erie | $140 |
| State Farm | $229 |
| GEICO | $272 |
| Auto-Owners | $307 |
| Progressive | $327 |
| Allstate | $405 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Wisconsin drivers with a OWI
Most Wisconsin drivers with a driving under the influence (DUI) offense, also known as an operating while intoxicated (OWI) offense in Wisconsin, get the lowest average car insurance rate with Erie at $188 a month. State Farm has the next-lowest option at $265 a month.
| Company | Rate |
|---|---|
| USAA | $172 |
| Erie | $188 |
| State Farm | $233 |
| American Family | $265 |
| Progressive | $301 |
| GEICO | $417 |
| Allstate | $432 |
| Auto-Owners | $678 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A DUI in Wisconsin stays on your driving record for 10 years, and on your car insurance record for up to the same amount of time. A first offense OWI in Wisconsin carries the following penalties:
- $150 to $300 fine plus a $435 surcharge
- Six to nine month drivers license revocation
If your license is revoked, you will need to file an SR-22 with the Wisconsin DMV to get it reinstated. An SR-22 acts as proof of financial responsibility, showing that you carry Wisconsin's minimum auto insurance limits. State law requires you to carry the SR-22 for three years.
Who has the cheapest car insurance for Wisconsin teens?
Erie carries the lowest rates for non-military teen drivers looking for either minimum- or full-coverage car insurance. Wisconsin's average auto liability insurance rate for teens is $258 a month, and the average full-coverage rate for teens is $272 a month. Due to their inexperience behind the wheel, teens pay more for car insurance than any other demographic.
Cheapest minimum-coverage car insurance for Wisconsin teens
Erie has the lowest monthly rate for most Wisconsin teens looking for minimum-coverage car insurance at $85 a month. American Family tends to be the second-lowest option at $197 a month.
| Company | Monthly rate |
|---|---|
| Erie | $85 |
| USAA | $87 |
| American Family | $197 |
| State Farm | $217 |
| GEICO | $274 |
| Progressive | $318 |
| Allstate | $394 |
| Auto-Owners | $491 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for teens in Wisconsin
Most Wisconsin teens get the most affordable rates for car insurance with Erie at $155 a month. American Family is the next-cheapest option for the majority of teens in Wisconsin at $183 a month, on average.
| Company | Monthly rate |
|---|---|
| USAA | $128 |
| Erie | $155 |
| American Family | $183 |
| State Farm | $232 |
| GEICO | $324 |
| Progressive | $326 |
| Auto-Owners | $411 |
| Allstate | $417 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Wisconsin teens with driving offenses
Erie has the cheapest rates for most Wisconsin teens looking for car insurance after an accident, with an average rate of $82 a month. It also has the cheapest overall rate for car insurance for teens after a speeding ticket, with an average rate of $80 a month.
| Company | Monthly rate |
|---|---|
| USAA | $82 |
| Erie | $85 |
| American Family | $223 |
| State Farm | $239 |
| GEICO | $321 |
| Progressive | $352 |
| Allstate | $419 |
| Auto-Owners | $436 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Monthly rate |
|---|---|
| Erie | $80 |
| USAA | $81 |
| American Family | $130 |
| State Farm | $218 |
| GEICO | $234 |
| Progressive | $324 |
| Auto-Owners | $355 |
| Allstate | $405 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens after an OWI
Wisconsin teens with an OWI find the most affordable rates for car insurance with Erie at $99 a month. The second-cheapest rate for most teens is through State Farm at $217 a month.
| Company | Monthly rate |
|---|---|
| Erie | $99 |
| USAA | $111 |
| State Farm | $217 |
| Progressive | $298 |
| American Family | $301 |
| GEICO | $347 |
| Allstate | $432 |
| Auto-Owners | $789 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find cheap auto insurance in Wisconsin
Cheapest car insurance for Wisconsin seniors
Erie has the cheapest rates for most Wisconsin seniors, whether they're looking for minimum coverage or coverage after an offense. After teens, Wisconsin senior drivers pay higher rates than other age groups. Seniors in Wisconsin pay an average of $74 a month for minimum-coverage car insurance, and $150 a month for full coverage.
The cheapest minimum-coverage car insurance for seniors in Wisconsin
If you're a senior driver in Wisconsin looking for auto liability insurance, Erie has the cheapest rate at $39 a month, on average. American Family is usually the second-most-affordable rate at $61 a month.
| Company | Monthly rate |
|---|---|
| Erie | 39 |
| USAA | 41 |
| American Family | 61 |
| State Farm | 63 |
| Progressive | 76 |
| Auto-Owners | 89 |
| GEICO | 101 |
| Allstate | 121 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for Wisconsin seniors
Most seniors looking for full-coverage car insurance in Wisconsin find their lowest rate with Erie, with an average of $88 a month. American Family has the next-lowest rate at $118 a month.
| Company | Monthly rate |
|---|---|
| USAA | 88 |
| Erie | 103 |
| American Family | 118 |
| State Farm | 124 |
| Progressive | 153 |
| Auto-Owners | 170 |
| GEICO | 206 |
| Allstate | 239 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Wisconsin for seniors with driving offenses
If you're a Wisconsin senior with an accident on your insurance record, Erie has the lowest rate at $41 a month. State Farm is the next-lowest rate for most seniors at $70 a month.
| Company | Monthly rate |
|---|---|
| Erie | $41 |
| USAA | $48 |
| State Farm | $70 |
| Auto-Owners | $82 |
| American Family | $84 |
| Progressive | $106 |
| GEICO | $127 |
| Allstate | $160 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Seniors in Wisconsin with a speeding ticket pay the cheapest rate for car insurance with Erie at $33 a month. American Family has the next-lowest rate for most Wisconsin seniors at $44 a month.
| Company | Monthly rate |
|---|---|
| Erie | $33 |
| USAA | $35 |
| American Family | $44 |
| State Farm | $64 |
| Auto-Owners | $68 |
| Progressive | $78 |
| GEICO | $88 |
| Allstate | $114 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for Wisconsin seniors with an OWI
Wisconsin seniors with an OWI find the lowest average rate for auto insurance with Erie at $49 a month. State Farm is the next-cheapest option at $64 a month.
| Company | Monthly rate |
|---|---|
| Erie | $49 |
| USAA | $53 |
| State Farm | $64 |
| Progressive | $65 |
| American Family | $78 |
| Allstate | $119 |
| GEICO | $126 |
| Auto-Owners | $143 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Wisconsin by city
Of Wisconsin's largest cities, Eau Claire pays the lowest average rate for car insurance at $42 a month. Green Bay has the second-lowest rates at $44 a month, with Janesville right behind at $46 a month.
| City | Monthly rate |
|---|---|
| Eau Claire | $42 |
| Green Bay | $44 |
| Janesville | $46 |
| Appleton | $47 |
| Madison | $48 |
| Waukesha | $53 |
| Kenosha | $62 |
| Racine | $62 |
| Milwaukee | $72 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Wisconsin minimum car insurance requirements
Drivers in Wisconsin are required by law to have the following minimum car insurance coverages:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $10,000
While these limits may seem like a considerable amount of money, they can easily be reached and passed if an extended court case or hospital stay after an accident occurs. After your policy limits are reached, any costs that occur due to the accident will come out of your pocket. For your peace of mind and bank account, we strongly recommend increasing your limits as follows:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Wisconsin:
- Allstate
- American Family
- Auto-Owners
- Erie
- GEICO
- Progressive
- State Farm
- USAA
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.
Sources:
Auto insurance by city
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