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Best Car Insurance in Wisconsin for 2025

Car insurance in Wisconsin is generally cheaper than the national average, but individual rates will vary.

By Kate Daugherty

Edited by Gabriela Walsh

Updated July 10, 2025

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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.

Key takeaways

The best car insurance in Wisconsin is USAA, which costs $65 per month for full coverage.
Wisconsin drivers with a clean driving record pay an average of $137 monthly for full coverage car insurance.
High-risk drivers in Wisconsin pay an average of $158 per month for full coverage.

Best car insurance companies in Wisconsin

In Wisconsin, full coverage insurance costs a monthly average of $137, 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 $192 per month for full coverage or $119 for minimum coverage.

Provider	J.D. Power customer satisfaction rating	Estimated monthly full coverage	Estimated monthly minimum liability coverage
USAA	878/1,000	$65	$40
Erie	844/1,000	$91	$56
State Farm	837/1,000	$67	$42
GEICO	831/1,000	$92	$58
Allstate	822/1,000	$192	$119
Nationwide	821/1,000	$134	$82
Travelers	806/1,000	$171	$105

USAA: Highest customer satisfaction

USAA earned 878 out of 1,000 on customer satisfaction, Wisconsin's highest rating. USAA is among 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.

Pros

USAA has some of the most affordable coverage in Wisconsin
Its SafePilot program could help you save 30% for being a safe driver

Cons

USAA policies are not available to everyone
Some competitors have more coverage and discount options

Get a quote now | USAA review

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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. Its policy options, including pet and auto glass repair coverage, might make it a better choice for some.

Pros

Erie has multiple agents in Wisconsin
It has multiple traditional and specialty coverages, including locksmith and personal item coverage

Cons

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 one of Wisconsin's lowest-cost options for full coverage, but its policies are available to everyone. State Farm customers pay an average of $67 per month for full coverage and $42 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.

Pros

There are multiple State Farm agents and offices throughout Wisconsin
It has many coverage options, including rideshare driver coverage

Cons

State Farm is more expensive than some competitors
USAA and Erie had higher customer satisfaction scores

Get a quote now | State Farm review

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GEICO: Best for senior drivers

Wisconsinites who use GEICO tend to pay more for insurance, an average of $92 monthly 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.

Pros

GEICO offers a guaranteed renewal program for people over 50
It has multiple discount options, including retired government and military discounts

Cons

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 some of the most expensive coverage available in Wisconsin. It costs $134 per month for full coverage and $82 for minimum coverage, significantly more than USAA, one of the lowest-cost competitors. Although Nationwide may be more expensive, it offers multiple policy options and loyalty perks that could make it a good choice for some.

Pros

Nationwide has many coverage options, including accident forgiveness and vanishing deductibles
It offers perks to drivers, including pet insurance and key fob replacement

Cons

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 $137 per month for full coverage and $67 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 $192 monthly for full coverage.

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.

City	Avg. monthly full coverage premium
Milwaukee	$192
Kenosha	$138
Madison	$128
Racine	$141

Methodology

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 $137 monthly for full coverage and just $67 per month for minimum insurance, compared to the national averages of $193 and $106 per month, respectively.

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.

Data throughout provided by Insurify.

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