The Cheapest Car Insurance in Wisconsin for 2024

Erie offers the cheapest car insurance in Wisconsin, with an average annual rate of $986 for full coverage.
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Written by Ben Moore
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Edited by Lacie Glover
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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Wisconsin isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Wisconsin is Auto Club Group at $903 per year on average, or $75 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Wisconsin. Meanwhile, the average cost of full coverage car insurance in Wisconsin is $1,516 per year, or about $126 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Wisconsin. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Wisconsin is $367 per year on average, but we found you can likely get a cheaper policy. For example, Integrity offers the cheapest rates in Wisconsin at $147 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

*Secura car insurance policies are available only if bundled with homeowners or renters insurance. Read NerdWallet's guide to the best auto and home insurance bundles to learn more about bundled policies.

NerdWallet also analyzed car insurance rates to find the cheapest options in Milwaukee.

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How we chose the cheapest companies in Wisconsin

NerdWallet’s editorial team analyzed car insurance rates from 24 auto insurers in Wisconsin and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Wisconsin. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Wisconsin where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Wisconsin for 20-year-olds

Drivers in Wisconsin with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Travelers: $1,794 per year, or about $150 per month.
  2. Geico: $1,796 per year, or about $150 per month.
  3. Integrity: $1,835 per year, or about $153 per month.
  4. Auto Club Group: $1,860 per year, or about $155 per month.
  5. American Family: $1,963 per year, or about $164 per month.

Cheapest minimum coverage car insurance in Wisconsin for 20-year-olds

Drivers in Wisconsin who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Integrity: $283 per year, or about $24 per month.
  2. Geico: $370 per year, or about $31 per month.
  3. Erie: $467 per year, or about $39 per month.
  4. Travelers: $521 per year, or about $43 per month.
  5. Auto Club Group: $632 per year, or about $53 per month.

Cheapest auto insurance in Wisconsin for 20-year-olds with poor credit

Drivers with poor credit in Wisconsin should look at the following insurers with the lowest average rates for minimum coverage:

  1. Integrity: $387 per year, or about $32 per month.
  2. Geico: $638 per year, or about $53 per month.
  3. Travelers: $742 per year, or about $62 per month.
  4. Hastings Mutual: $926 per year, or about $77 per month.
  5. Erie: $1,008 per year, or about $84 per month.

Cheapest auto insurance in Wisconsin for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $308 per year, or about $26 per month.
  2. Geico: $385 per year, or about $32 per month.
  3. Erie: $539 per year, or about $45 per month.
  4. Travelers: $596 per year, or about $50 per month.
  5. Western National: $662 per year, or about $55 per month.

Cheapest auto insurance in Wisconsin for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $335 per year, or about $28 per month.
  2. Geico: $474 per year, or about $40 per month.
  3. Erie: $592 per year, or about $49 per month.
  4. Travelers: $623 per year, or about $52 per month.
  5. Rural Mutual: $646 per year, or about $54 per month.

Cheapest auto insurance in Wisconsin for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Integrity: $295 per year, or about $25 per month.
  2. Western National: $662 per year, or about $55 per month.
  3. Travelers: $694 per year, or about $58 per month.
  4. Erie: $705 per year, or about $59 per month.
  5. Geico: $726 per year, or about $61 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Wisconsin for 30-year-olds

Drivers in Wisconsin who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $893 per year, or about $74 per month.
  2. Integrity: $924 per year, or about $77 per month.
  3. Auto Club Group: $941 per year, or about $78 per month.
  4. Hastings Mutual: $952 per year, or about $79 per month.
  5. Travelers: $1,010 per year, or about $84 per month.

Cheapest minimum coverage car insurance in Wisconsin for 30-year-olds

Drivers in Wisconsin who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Integrity: $150 per year, or about $13 per month.
  2. Geico: $185 per year, or about $15 per month.
  3. Rockford Mutual: $236 per year, or about $20 per month.
  4. Erie: $249 per year, or about $21 per month.
  5. Rural Mutual: $255 per year, or about $21 per month.

Cheapest auto insurance in Wisconsin for 30-year-olds with poor credit

Drivers with poor credit in Wisconsin should consider the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,208 per year, or about $101 per month.
  2. Geico: $1,324 per year, or about $110 per month.
  3. Integrity: $1,443 per year, or about $120 per month.
  4. Auto Club Group: $1,570 per year, or about $131 per month.
  5. Travelers: $1,585 per year, or about $132 per month.

Cheapest auto insurance in Wisconsin for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $175 per year, or about $15 per month.
  2. Geico: $225 per year, or about $19 per month.
  3. Erie: $273 per year, or about $23 per month.
  4. Rural Mutual: $279 per year, or about $23 per month.
  5. Western National: $294 per year, or about $25 per month.

Cheapest auto insurance in Wisconsin for 30-year-old drivers with one at-fault crash

For drivers in Wisconsin with a recent accident, here are the lowest average rate options for full coverage:

  1. Hastings Mutual: $972 per year, or about $81 per month.
  2. Integrity: $1,219 per year, or about $102 per month.
  3. Travelers: $1,314 per year, or about $109 per month.
  4. Auto Club Group: $1,347 per year, or about $112 per month.
  5. Erie: $1,552 per year, or about $129 per month.

Cheapest auto insurance in Wisconsin for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Integrity: $1,056 per year, or about $88 per month.
  2. Travelers: $1,429 per year, or about $119 per month.
  3. Auto Club Group: $1,844 per year, or about $154 per month.
  4. Erie: $1,847 per year, or about $154 per month.
  5. American Family: $1,971 per year, or about $164 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Wisconsin for 40-year-olds

Drivers in Wisconsin with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Integrity: $835 per year, or about $70 per month.
  2. Auto Club Group: $869 per year, or about $72 per month.
  3. Geico: $887 per year, or about $74 per month.
  4. Travelers: $900 per year, or about $75 per month.
  5. Hastings Mutual: $912 per year, or about $76 per month.

Cheapest minimum coverage car insurance in Wisconsin for 40-year-olds

Drivers in Wisconsin who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Integrity: $141 per year, or about $12 per month.
  2. Geico: $191 per year, or about $16 per month.
  3. Erie: $222 per year, or about $19 per month.
  4. Rockford Mutual: $236 per year, or about $20 per month.
  5. Rural Mutual: $255 per year, or about $21 per month.

Cheapest auto insurance in Wisconsin for 40-year-olds with poor credit

Drivers with poor credit in Wisconsin can check out the following insurers with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,152 per year, or about $96 per month.
  2. Integrity: $1,298 per year, or about $108 per month.
  3. Geico: $1,314 per year, or about $109 per month.
  4. Travelers: $1,423 per year, or about $119 per month.
  5. Auto Club Group: $1,451 per year, or about $121 per month.

Cheapest auto insurance in Wisconsin for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $166 per year, or about $14 per month.
  2. Geico: $225 per year, or about $19 per month.
  3. Erie: $242 per year, or about $20 per month.
  4. Western National: $269 per year, or about $22 per month.
  5. Rural Mutual: $279 per year, or about $23 per month.

Cheapest auto insurance in Wisconsin for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Wisconsin, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $928 per year, or about $77 per month.
  2. Integrity: $1,126 per year, or about $94 per month.
  3. Travelers: $1,240 per year, or about $103 per month.
  4. Auto Club Group: $1,244 per year, or about $104 per month.
  5. Erie: $1,392 per year, or about $116 per month.

Cheapest auto insurance in Wisconsin for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Integrity: $962 per year, or about $80 per month.
  2. Travelers: $1,349 per year, or about $112 per month.
  3. Erie: $1,641 per year, or about $137 per month.
  4. Auto Club Group: $1,696 per year, or about $141 per month.
  5. Progressive: $1,932 per year, or about $161 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Wisconsin for 50-year-olds

Drivers in Wisconsin with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Integrity: $803 per year, or about $67 per month.
  2. Auto Club Group: $820 per year, or about $68 per month.
  3. Geico: $861 per year, or about $72 per month.
  4. Hastings Mutual: $872 per year, or about $73 per month.
  5. Travelers: $875 per year, or about $73 per month.

Cheapest minimum coverage car insurance in Wisconsin for 50-year-olds

Drivers in Wisconsin who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Integrity: $135 per year, or about $11 per month.
  2. Geico: $189 per year, or about $16 per month.
  3. Erie: $206 per year, or about $17 per month.
  4. Rockford Mutual: $208 per year, or about $17 per month.
  5. Rural Mutual: $242 per year, or about $20 per month.

Cheapest auto insurance in Wisconsin for 50-year-olds with poor credit

Drivers with poor credit in Wisconsin can check with the following companies, which showed the lowest average rates for full coverage:

  1. Hastings Mutual: $1,104 per year, or about $92 per month.
  2. Integrity: $1,236 per year, or about $103 per month.
  3. Geico: $1,291 per year, or about $108 per month.
  4. Auto Club Group: $1,364 per year, or about $114 per month.
  5. Travelers: $1,384 per year, or about $115 per month.

Cheapest auto insurance in Wisconsin for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $158 per year, or about $13 per month.
  2. Erie: $224 per year, or about $19 per month.
  3. Geico: $224 per year, or about $19 per month.
  4. Western National: $245 per year, or about $20 per month.
  5. Rural Mutual: $265 per year, or about $22 per month.

Cheapest auto insurance in Wisconsin for 50-year-old drivers with one at-fault crash

For drivers living in Wisconsin with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Hastings Mutual: $890 per year, or about $74 per month.
  2. Integrity: $1,092 per year, or about $91 per month.
  3. Auto Club Group: $1,173 per year, or about $98 per month.
  4. Travelers: $1,205 per year, or about $100 per month.
  5. Erie: $1,281 per year, or about $107 per month.

Cheapest auto insurance in Wisconsin for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Integrity: $929 per year, or about $77 per month.
  2. Travelers: $1,310 per year, or about $109 per month.
  3. Erie: $1,508 per year, or about $126 per month.
  4. Auto Club Group: $1,600 per year, or about $133 per month.
  5. Progressive: $1,724 per year, or about $144 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Wisconsin for 60-year-olds

Drivers in Wisconsin with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Auto Club Group: $753 per year, or about $63 per month.
  2. Integrity: $787 per year, or about $66 per month.
  3. Travelers: $799 per year, or about $67 per month.
  4. Hastings Mutual: $834 per year, or about $70 per month.
  5. Geico: $873 per year, or about $73 per month.

Cheapest minimum coverage car insurance in Wisconsin for 60-year-olds

Drivers in Wisconsin who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Integrity: $137 per year, or about $11 per month.
  2. Geico: $196 per year, or about $16 per month.
  3. Erie: $203 per year, or about $17 per month.
  4. Rockford Mutual: $208 per year, or about $17 per month.
  5. Western National: $234 per year, or about $20 per month.

Cheapest auto insurance in Wisconsin for 60-year-olds with poor credit

Drivers with poor credit in Wisconsin can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,054 per year, or about $88 per month.
  2. Integrity: $1,202 per year, or about $100 per month.
  3. Auto Club Group: $1,255 per year, or about $105 per month.
  4. Travelers: $1,262 per year, or about $105 per month.
  5. Geico: $1,292 per year, or about $108 per month.

Cheapest auto insurance in Wisconsin for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $161 per year, or about $13 per month.
  2. Erie: $221 per year, or about $18 per month.
  3. Western National: $234 per year, or about $20 per month.
  4. Geico: $246 per year, or about $20 per month.
  5. Rural Mutual: $265 per year, or about $22 per month.

Cheapest auto insurance in Wisconsin for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Wisconsin, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $852 per year, or about $71 per month.
  2. Auto Club Group: $1,078 per year, or about $90 per month.
  3. Integrity: $1,083 per year, or about $90 per month.
  4. Travelers: $1,133 per year, or about $94 per month.
  5. Erie: $1,224 per year, or about $102 per month.

Cheapest auto insurance in Wisconsin for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Integrity: $918 per year, or about $77 per month.
  2. Travelers: $1,231 per year, or about $103 per month.
  3. Erie: $1,458 per year, or about $122 per month.
  4. Auto Club Group: $1,469 per year, or about $122 per month.
  5. Progressive: $1,611 per year, or about $134 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Wisconsin for 70-year-olds

Drivers in Wisconsin with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Travelers: $836 per year, or about $70 per month.
  2. Auto Club Group: $887 per year, or about $74 per month.
  3. American Family: $971 per year, or about $81 per month.
  4. Hastings Mutual: $1,038 per year, or about $87 per month.
  5. Erie: $1,039 per year, or about $87 per month.

Cheapest minimum coverage car insurance in Wisconsin for 70-year-olds

Drivers in Wisconsin who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Integrity: $201 per year, or about $17 per month.
  2. Erie: $229 per year, or about $19 per month.
  3. Rockford Mutual: $256 per year, or about $21 per month.
  4. Geico: $259 per year, or about $22 per month.
  5. Progressive: $276 per year, or about $23 per month.

Cheapest auto insurance in Wisconsin for 70-year-olds with poor credit

Drivers with poor credit in Wisconsin can look at the following companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,318 per year, or about $110 per month.
  2. Travelers: $1,372 per year, or about $114 per month.
  3. Auto Club Group: $1,510 per year, or about $126 per month.
  4. Geico: $1,588 per year, or about $132 per month.
  5. Integrity: $1,592 per year, or about $133 per month.

Cheapest auto insurance in Wisconsin for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Wisconsin, here are the companies with the lowest average rates for minimum coverage:

  1. Integrity: $224 per year, or about $19 per month.
  2. Erie: $250 per year, or about $21 per month.
  3. Geico: $289 per year, or about $24 per month.
  4. Rural Mutual: $311 per year, or about $26 per month.
  5. Western National: $312 per year, or about $26 per month.

Cheapest auto insurance in Wisconsin for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Wisconsin, here are the companies with the lowest average rates for full coverage:

  1. Hastings Mutual: $1,058 per year, or about $88 per month.
  2. Travelers: $1,259 per year, or about $105 per month.
  3. Auto Club Group: $1,294 per year, or about $108 per month.
  4. Integrity: $1,320 per year, or about $110 per month.
  5. Erie: $1,415 per year, or about $118 per month.

Cheapest auto insurance in Wisconsin for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Integrity: $1,167 per year, or about $97 per month.
  2. Travelers: $1,372 per year, or about $114 per month.
  3. Progressive: $1,658 per year, or about $138 per month.
  4. Erie: $1,685 per year, or about $140 per month.
  5. Auto Club Group: $1,825 per year, or about $152 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 64 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Wisconsin

Wisconsin requires drivers to carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $10,000 property damage liability per accident.

  • $25,000 uninsured motorist per person for injuries.

  • $50,000 uninsured motorist per accident for injuries.

Liability insurance kicks in to cover others’ property damage and injury treatment, up to your limit, if you cause an accident.

If you’re ever struck by a driver who lacks car insurance, UMBI will cover your injuries plus those of your passengers, also up to your limit.

Keep in mind that the required amounts of insurance may not be enough to fully cover others’ damages or your own. In most cases, it’s wise to choose limits above the legal minimum and consider adding common optional coverages such as collision and comprehensive insurance.

See more state required car insurance.

Alternative Wisconsin car insurance

If you’re unable to purchase auto insurance on the voluntary market because of DUIs, at-fault accidents, poor credit or other circumstances, you can apply for coverage through the Wisconsin Automobile Insurance Plan.

For more help sorting through the companies in your area and finding the most competitive car insurance rates, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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