Cheapest Car Insurance in Wisconsin (2022)

The cheapest car insurance companies in Wisconsin: Erie, $57 a month; USAA, $59; and American Family, $98.

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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.

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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.

Cheapest minimum-coverage car insurance in Wisconsin
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.

Cheapest full-coverage car insurance in Wisconsin
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.

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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.

Cheapest car insurance in Wisconsin after an accident
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.

Cheapest car insurance in Wisconsin after a speeding ticket
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.

Cheapest Wisconsin car insurance after an OWI
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.

Cheapest minimum-coverage car insurance for Wisconsin teens
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.

Cheapest full-coverage car insurance for Wisconsin teens
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.

Cheapest car insurance for Wisconsin teens after an accident
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.
Cheapest car insurance for Wisconsin teens with a speeding ticket
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.

Cheapest car insurance for Wisconsin teens with an OWI
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.

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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.

Cheapest minimum-coverage car insurance for Wisconsin seniors
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.

Cheapest full-coverage car insurance for Wisconsin seniors
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.

Cheapest car insurance for Wisconsin seniors after an accident
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.

Cheapest car insurance for Wisconsin seniors with a ticket
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.

Car insurance for seniors with a OWI
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.

Average car insurance rates by city
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.

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