Where to Buy Cheap Car Insurance in Wisconsin
Partners Mutual and USAA are the best companies for cheap car insurance in Wisconsin, according to a QuoteWizard survey of providers that serve drivers in the Badger State.
Wisconsin drivers pay an average of $204 per year when they buy the minimum amount of auto insurance the state requires from Partners Mutual. And they pay an average of $520 per year when they buy full-coverage auto insurance from USAA.
Pekin offers Wisconsinites affordable car insurance, too. Drivers there pay an average of $219 per year for state-minimum coverage from this company, and $552 per year for full coverage.
These rates are well below the state averages for such insurance policies. Our data shows that a typical Wisconsin driver spends $354 per year on minimum coverage and $830 per year on full coverage.
Keep reading for more information on:
- Where to find cheap car insurance in Wisconsin
- Wisconsin’s best cheap auto insurance companies
- Most popular auto insurance companies in Wisconsin
- Wisconsin car insurance laws
Where can I get cheap car insurance in Wisconsin?
Partners Mutual is the best company for cheap auto insurance in Wisconsin if you want the minimum amount of car insurance the state requires. It offered our sample driver an average rate of $204 per year for this type of policy.
USAA is the best company in Wisconsin for cheap full-coverage auto insurance, which usually includes liability, collision and comprehensive coverage. It offered our driver an average rate of $520 per year for this kind of policy.
These average rates are based on quotes gathered throughout the state of Wisconsin for a standard driver.
USAA also offers affordable state-minimum car insurance to Wisconsin drivers, as does Pekin. USAA sent our sample driver an average annual premium of $209 for a minimum-coverage policy, while Pekin sent our driver an average annual premium of $219.
Besides Partners Mutual, Pekin and USAA, a number of other companies sent our driver quotes that were cheaper than the state average of $354 for a state-minimum policy, too.
Speaking of Partners Mutual and Pekin, both companies are great options for affordable full-coverage car insurance as well. Partners Mutual sent our sample Wisconsin driver an average annual premium of $535 for this type of policy. The average annual premium of $552 that Pekin sent was nearly as cheap.
USAA, Pekin and Partners Mutual aren’t the only companies that offer cheap full-coverage auto insurance to Wisconsinites, though.
Six other insurers sent our driver quotes that were cheaper than the state average of $830 per year for this amount of coverage, such as AAA, Erie and GEICO.
To get your best rate for car insurance in Wisconsin, compare quotes from the companies mentioned so far, as well as a few others. Several factors determine what you pay for auto coverage, including your vehicle’s make and model, your gender and your age.
What are the best cheap car insurance companies in Wisconsin?
USAA is the best car insurance company for drivers in Wisconsin who want cheap full-coverage auto insurance, according to our research. Partners Mutual is the best car insurance company for Wisconsin drivers who want cheap state-minimum auto insurance.
Partners Mutual: cheapest state-minimum car insurance in Wisconsin
Partners Mutual offered our sample driver an average rate of $204 per year for the minimum amount of car insurance Wisconsin requires. This average rate is $150 per year cheaper than the state average for such a policy. That’s a difference of $12.50 per month.
Partners Mutual offers cheap full-coverage car insurance to Wisconsinites, too. It sent our driver an average rate of $535 per year for this amount of coverage. That’s only $15 per year more than the average quote USAA sent, and $295 per year less than the state average for a full-coverage policy.
USAA: cheapest full-coverage car insurance in Wisconsin
USAA offered our sample Wisconsin driver an average rate of $520 per year for full-coverage car insurance. This average rate is $310 per year, or just under $26 per month, cheaper than the state average for a full-coverage policy.
USAA also offers cheap state-minimum car insurance. It sent our driver an average quote of $209 per year for this amount of coverage. That’s only $5 per year more than the average quote Partners Mutual sent, and $145 per year less than the state average.
Pekin: runner-up for cheapest car insurance in Wisconsin
The average rate quotes Pekin sent our sample driver for state-minimum and full-coverage auto insurance policies were nearly as cheap as the ones Partners Mutual and USAA sent.
Pekin offered our driver an average rate of $219 per year for a minimum-coverage policy. This is just $15 per year more than what Partners Mutual offered. And Pekin sent our driver an average rate of $552 per year for a full-coverage policy. That’s $32 per year, or about $2.50 per month, more than the average quote USAA sent.
What are the most popular car insurance companies in Wisconsin?
Partners Mutual and USAA offer the cheapest car insurance rates in Wisconsin, based on our data, but they aren’t the state’s most popular car insurance companies.
According to S&P Global, Progressive is Wisconsin’s most popular auto insurance company. It writes just over 18% of the state’s policies in this area.
American Family is a close second, while State Farm comes in fourth thanks to its 14% market share.
| Insurance company | Wisconsin market share | |||
|---|---|---|---|---|
| Progressive | 18% | |||
| American Family | 18% | |||
| State Farm | 14% | |||
| GEICO | 5% | |||
| Allstate | 4% | |||
| Erie | 4% | |||
| Acuity | 3% | |||
| West Bend Mutual | 3% | |||
| USAA | 3% | |||
| Liberty Mutual | 2% | |||
| Source: S&P Global | ||||
What about Partners Mutual and USAA? USAA is ninth in terms of Wisconsin market share. It writes 3% of the state’s car insurance policies. Partners Mutual is 23rd, with a market share of 0.71%.
What are Wisconsin’s car insurance requirements?
Wisconsin law requires all drivers and owners of motor vehicles to carry at least 25/50/10 liability car insurance coverage. This means all policies must include a minimum of:
- $25,000 of bodily injury liability coverage for the injury or death of one person.
- $50,000 of bodily injury liability coverage for the injury or death of more than one person.
- $10,000 property damage liability coverage.
Wisconsin car insurance law also requires a minimum of:
- $25,000 of uninsured motorist bodily injury coverage for one person.
- $50,000 of uninsured motorist bodily injury coverage for two or more people.
Proof of insurance in Wisconsin
Drivers and owners of motor vehicles in Wisconsin must show proof of car insurance at traffic stops or accidents if law enforcement requests it.
Wisconsinites who can’t show proof of insurance face these penalties:
- If you fail to show proof of insurance at a traffic stop or accident, you might have to pay a fine of up to $10.
- If you offer proof of insurance that is fraudulent, you may be fined up to $5,000.
- If you’re caught driving without insurance in Wisconsin, the state could fine you up to $500.
Wisconsin DUI laws and penalties
It is illegal in Wisconsin for drivers over the age of 21 to operate a motor vehicle if:
- Your blood alcohol concentration (BAC) is 0.08 or higher.
- You are under the influence of an intoxicant.
- A detectable amount of a restricted controlled substance is in your blood.
- You are under the influence of a controlled substance or any other drug.
Wisconsin drivers face the following penalties if they’re convicted of operating while intoxicated (OWI):
- Fines.
- License revocation.
- Jail time.
The severity of these DUI or OWI penalties depends on whether it’s your first, second or subsequent offence. It also depends on if your OWI results in injury or death.
SR-22 insurance in Wisconsin
You may need to file an SR-22 form with the state for three years if it revokes your operating privileges or vehicle registration for:
- Driving without car insurance.
- Driving recklessly or being cited for another major moving violation.
- Operating while intoxicated.
Methodology
We conducted a comprehensive study of auto insurance rates in Wisconsin through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.
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