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USAA, State Farm, and Auto-Owners are among the cheapest car insurance providers in Wisconsin.
Full-coverage car insurance in Wisconsin averages $129 per month, compared to the national average of $186. Your actual cost depends on multiple factors, including your age, driving history, and where you live. Comparing quotes from several insurance companies is the most effective way to find your best rate.
We've analyzed the most affordable car insurance options in Wisconsin across different coverage types, driver profiles, and insurance carriers.
Affordable full-coverage car insurance in Wisconsin
Full-coverage insurance in Wisconsin averages $129 monthly, compared to $186 nationwide. Among Wisconsin's most affordable options are USAA, State Farm, and Auto-Owners.
| Average monthly full coverage cost | |
| Wisconsin average | $129 |
| National average | $186 |
| USAA | $69 |
| State Farm | $71 |
| Auto-Owners | $73 |
| Erie | $96 |
Affordable liability-only car insurance in Wisconsin
For Wisconsin drivers seeking most affordable liability car insurance providers, USAA, State Farm, and Auto-Owners stand out as top choices.
Liability-only coverage in Wisconsin costs $63 monthly on average, while the national figure is $104.
| Average monthly liability-only cost | |
| Wisconsin average | $63 |
| National average | $104 |
| USAA | $40 |
| State Farm | $42 |
| Auto-Owners | $42 |
| Progressive | $88 |
Cheap car insurance in Wisconsin by age
Age significantly impacts insurance costs. Car insurance for teens typically carries the highest premiums, with Wisconsin policies averaging $257 monthly due to limited driving experience.
Rates decline as drivers enter their 20s, averaging $177 per month. Costs continue dropping for drivers in their 30s and 40s, with monthly rates around $144 and $132, respectively.
Premiums may increase again for drivers in their 60s and older. Wisconsin seniors pay $102 monthly on average in their 60s and $105 in their 70s.
These age-related premium variations reflect differing risk levels across age groups, with younger drivers considered higher risk and older drivers sometimes facing increased rates due to health considerations and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $257 | $126 |
| 20s | $177 | $87 |
| 30s | $144 | $71 |
| 40s | $132 | $65 |
| 50s | $118 | $58 |
| 60s | $102 | $50 |
| 70s | $105 | $51 |
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Cheap car insurance in Wisconsin for high-risk drivers
Drivers with moving violations or accidents on their record typically face higher insurance premiums. Below are Wisconsin's average costs for drivers with an accident, speeding ticket, or DUI, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $163 | $80 |
| Speeding ticket | $161 | $79 |
| DUI | $164 | $80 |
Compare low-cost car insurance after an accident
Wisconsin drivers with an accident on their record can find affordable coverage from USAA, State Farm, and Auto-Owners. Full-coverage policies for drivers with accidents average $163 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $89 | $51 |
| State Farm | $91 | $53 |
| Auto-Owners | $92 | $53 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Drivers with a speeding ticket can find budget-friendly Wisconsin car insurance through USAA, State Farm, and Auto-Owners. Full coverage for drivers with speeding violations averages $161 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $88 | $50 |
| State Farm | $89 | $52 |
| Auto-Owners | $93 | $53 |
Compare low-cost car insurance after DUI conviction
USAA, State Farm, and Auto-Owners offer affordable full coverage for Wisconsin drivers with a DUI. Full-coverage policies for drivers with DUI convictions average $164.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $94 | $54 |
| State Farm | $97 | $57 |
| Auto-Owners | $99 | $57 |
Cheap car insurance in Wisconsin by credit score
Wisconsin drivers with excellent credit pay $112 monthly on average. Drivers with poor credit face significantly higher premiums, starting at $149 per month.
This rate disparity reflects how insurers use credit scores in pricing, with poor credit often leading to elevated premiums based on perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $112 | $55 |
| Good | $128 | $62 |
| Average | $135 | $66 |
| Poor | $149 | $73 |
FAQs
Will my Wisconsin minimum liability policy cover me in states that require higher minimum limits?
Yes, your Wisconsin auto insurance policy will automatically adjust to meet the minimum liability requirements of any other state you drive in. This means if you travel to a state with higher minimum coverage limits, your policy will be interpreted to provide at least those higher limits while you are operating your vehicle there.
Why is car insurance typically cheaper in Wisconsin than in other states?
Car insurance in Wisconsin tends to be lower than the national average due to factors including the state's lower population density, less traffic congestion, fewer severe weather events, and reduced levels of insurance fraud. These conditions lead to fewer accidents and claims overall, which helps keep premiums more affordable for Wisconsin drivers.
What Wisconsin-specific discounts can help lower premiums?
Wisconsin insurers commonly offer farm-vehicle discounts and low-mileage discounts that are particularly helpful in rural counties. Since Wisconsin allows credit-based insurance scoring, maintaining good credit is one of the strongest factors in lowering your premiums.
Bottom line
These companies may offer Wisconsin's lowest rates overall, but they may not be the most affordable option for your specific situation. Obtaining quotes from multiple insurers and comparing them on both price and service quality is the most effective way to find the right coverage for your needs.
Data throughout provided by Insurify.
Average rate:
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