Best Car Insurance in Wisconsin for 2024

Updated Nov. 27, 2023
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USAA generally has the cheapest car insurance in Wisconsin.

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Wisconsin might be best known to the rest of the country for cheese and beer. But locals know it’s also home to stunning natural beauty, three nationally recognized scenic roadways, and below-average car insurance costs, making it easier to say yes to an impulsive road trip.

In this article

Key takeaways

  • The best car insurance in Wisconsin is USAA, which costs $662 per year for comprehensive coverage.
  • Wisconsin drivers with a clean driving record pay an average of $90 monthly for full coverage car insurance.
  • High-risk drivers in Wisconsin pay an average of $1,736 yearly for full coverage.

Best car insurance companies in Wisconsin

In Wisconsin, full coverage insurance costs a yearly average of $1,087, but those who qualify for USAA’s coverage could pay significantly less. If you don’t qualify for USAA, those who use Allstate’s insurance pay an average of $1,572 annually for full coverage or $670 for minimum coverage.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 878/1,000 $662/year $200/year
Erie 844/1,000 $896/year $287/year
State Farm 837/1,000 $841/year $289/year
GEICO 831/1,000 $968/year $347/year
Allstate 822/1,000 $1,572/year $670/year
Nationwide 821/1,000 $984/year $606/year
Travelers 806/1,000 $932/year $398/year

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USAA: Highest customer satisfaction

USAA earned 878 out of 1,000 on customer satisfaction, Wisconsin’s highest rating. USAA is the state’s most affordable carrier for full and minimum coverage insurance. However, only current or former military members and their families are eligible for its policies. If you qualify, USAA offers a nice mix of standard policies and specialties, though you may find more options with a competitor.

  •  USAA has the most affordable coverage in Wisconsin
  •  Its SafePilot program could help you save 30% for being a safe driver
  •  USAA policies are not available to everyone
  •  Some competitors have more coverage and discount options

Get a quote now | USAA review

Erie: Best budget pick

Erie earned the second-highest customer satisfaction ranking in the Badger State, which helps make it one of the best car insurance companies on our list. While its average full coverage is slightly more expensive than State Farm’s, its minimum coverage is a few dollars less. Its policy options, including pet and auto glass repair coverage, might also make it a better choice for some.

  •  Erie has multiple agents in Wisconsin
  •  It has multiple traditional and specialty coverages, including locksmith and personal item coverage
  •  Erie doesn’t have as many discounts as some competitors
  •  You may find cheaper full coverage elsewhere

Get a quote now | Erie review

State Farm: Most affordable coverage

State Farm is Wisconsin’s second-lowest-cost option for full coverage, but its policies are available to everyone. State Farm customers pay an average of $841 yearly for full coverage and $289 for the state’s minimum coverage. However, even though State Farm had the most affordable policies, it earned 837 out of 1,000 in customer satisfaction, third overall.

  •  There are multiple State Farm agents and offices throughout Wisconsin
  •  It has many coverage options, including rideshare driver coverage
  •  State Farm is more expensive than some competitors
  •  USAA and Erie had higher customer satisfaction scores

Get a quote now | State Farm review

GEICO: Best for senior drivers

Wisconsinites who use GEICO tend to pay more for insurance, an average of $968 yearly for full coverage. But, while GEICO may be a more expensive option, it has senior-specific discounts and programs that could help people over 50 save money.

  •  GEICO offers a guaranteed renewal program for people over 50
  •  It has multiple discount options, including retired government and military discounts
  •  GEICO had only average customer satisfaction scores
  •  It has only one agent in Wisconsin, located in the Madison area

Get a quote now | GEICO review

Nationwide: Best for coverage options

Nationwide has the second-most-expensive coverage available in Wisconsin. It costs $984 yearly for full coverage and $606 for minimum coverage, hundreds more than USAA, the lowest-cost competitor. Although Nationwide may be more expensive, it offers multiple policy options and loyalty perks that could make it a good choice for some.

  •  Nationwide has many coverage options, including accident forgiveness and vanishing deductibles
  •  It offers perks to drivers, including pet insurance and key fob replacement
  • Nationwide had relatively expensive full and minimum coverage in Wisconsin
  • It had the second-lowest customer satisfaction rating

Get a quote now | Nationwide review

Wisconsin auto insurance requirements

Most states require drivers to carry a minimum amount of insurance to drive legally. In Wisconsin, the minimum requirements are:

  • $10,000 in property damage liability
  • $25,000 in bodily liability for the injury or death of one person
  • $50,000 in bodily liability for the injury or death of more than one person

How to choose a car insurance provider in Wisconsin

If you’re looking for a new car insurance provider, it’s essential to keep a few things in mind:

  • Check pricing and discounts: Get quotes from multiple companies for the best deal. Ensure the policy amounts and coverage options are similar, and double-check you’re getting all the discounts you qualify for.
  • Check financial stability: Before starting a policy with any insurance company, check its ability to pay claims on sites like Standard & Poors or AM Best. It’s also wise to check with the Wisconsin Office of the Commissioner of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is licensed to do business in Wisconsin.
  • Ask for reviews: Check review websites like the Better Business Bureau to see what existing customers say. Ask friends and family for recommendations, and avoid companies with a reputation for complicated claims processes.

How much does car insurance cost in Wisconsin?

The average cost of car insurance in Wisconsin is $1,087 annually for full coverage and $383 for minimum coverage. Its costs are generally less than a third of the average insurance cost in nearby Michigan.

Milwaukee residents pay the most for car insurance, an average of $1,788 yearly for full coverage. Green Bay drivers pay the least for their full coverage insurance, an average of $1,038 annually.

Wisconsin car insurance rates by city

The population of the city or zip code you live in can affect your car insurance rates since more drivers on the road could lead to more accidents. For example, Kenosha, located on Lake Michigan, has a population of 99,286, and residents pay an average of $1,453 a year for car insurance. Meanwhile, Eau Claire only has a population of 69,441, and residents spend an average of $1,241 yearly for car insurance.

City Avg. annual full-coverage premium
Kenosha $1,453/year
Waukesha $1,283/year
Eau Claire $1,241/year
Madison $1,160/year
Green Bay$1,038/year


Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Wisconsin

What are the minimum car insurance coverage requirements in Wisconsin?

In Wisconsin, the minimum car insurance coverage is $25,000 of bodily liability insurance for the injury or death of one person and $50,000 for the injury or death of more than one person. Drivers must also maintain $10,000 in property liability. 

How much does car insurance cost in Wisconsin?

Car insurance in Wisconsin costs an average of $1,087 a year for full coverage and just $383 a year for minimum insurance. 

Which car insurance companies cover Wisconsin?

Many nationally recognized car insurance companies cover Wisconsin, including Allstate, State Farm, USAA, GEICO, Travelers, Nationwide, and regional carrier Erie Insurance. 

What is the cheapest car insurance company in Wisconsin?

USAA is Wisconsin's cheapest car insurance company, with full coverage costing an average of $662 a year and minimum coverage costing $200 annually. 

State Farm is the second most affordable option, with full coverage costing an average of $841 a year and minimum coverage averaging $289.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.