Car Insurance Wisconsin: Our Top Picks 2021
Finding cheap car insurance isn’t that hard as long as you know where to look for the best available car insurance in Wisconsin. Let us help you!
Are you looking for cheap car insurance, Wisconsin? We bring you a detailed guide on car insurance policies, requirements costs, and the best car insurance providers in Wisconsin, the Badger State . Fortunately, finding cheap car insurance isn’t all that hard as long as you know how to find a discounted rate and where to look for the best available car insurance in Wisconsin. If you are looking for affordable car insurance outside of Wisconsin- make sure to check out our list of best car insurance companies in the US.
Minimum State Requirements
Wisconsin has over 237,124 miles of road area to drive on. The Wisconsin government has laid out basic minimum insurance requirements to protect every driver in the state. To be legally eligible to drive on the streets, every driver must have the following Wisconsin car insurance requirements.
- Bodily injury liability coverage- $25,000 per person and $50,000 per accident. It helps cover the cost of any bodily harm incurred by you or the other driver in an accident.
- Property damage liability – $10,000- It pays for damage caused to the other person’s property (mostly cars) if you are responsible for the accident.
- Uninsured driver’s coverage – minimum body injury liability covers $25,000 per person, $50,000 for more than two people.
The uninsured driver’s coverage is mandatory under the minimum Wisconsin auto insurance requirements as there are numerous uninsured drivers. It also protects you and helps cover damage costs in hit-and-run cases.
We suggest you don’t skip out on insurance as Wisconsin is not a no-fault state. In case of an accident, the person responsible has to pay for the damage after establishing which driver is at fault. Usually, this is done by a police officer or the insurance company after investigating the accident scene and hearing the eyewitness accounts.
It is also important to know that fault can be shared between drivers. If both drivers are equally responsible, the cost is shared 50-50. However, if a driver is responsible for more than 50% of the damage, they cannot demand any payment for damages from the other driver even if they share insurance costs.
This section highlights the average car insurance rates in Wisconsin. Keep in mind that rates vary by profile, age, location, gender, driving history, credit records, and more. The average cost for the state minimum liability coverage is $404. The price increases if you opt for optional coverage, including comprehensive, collision, medical payments, car reimbursement, roadside assistance, etc.
Below is a table listing the average car insurance in Wisconsin by major cities.
The table below lists the cheapest car insurance quotes in Wisconsin’s major cities. Insurance rates in Milwaukee are significantly higher than the rest of the state. Out of the four cities in the table above, Green bay offers the cheapest car insurance rates in Wisconsin. Below is a table outlining the average monthly car insurance in Wisconsin by age.
Younger drivers generally pay a higher premium on their car insurance in Wisconsin. The rates are lowest for those between the ages of 40 and 50, after which the rates start to rise again. Insurance rates also vary by gender, but in Wisconsin, the rates aren’t much different for males and females.
Average car insurance females – $1,025.31 annual premium
Average car insurance male – $1,032.41 annual premium
Cheapest insurance Providers Wisconsin
As mentioned earlier, car insurance quotes vary by provider. Mentioned below is a list of providers you should look at to find cheap car insurance in Wisconsin. We have categorized our list of recommendations according to different applicant portfolios.
Cheapest Insurance Providers in Wisconsin
The three cheapest insurance providers in Wisconsin are:
- Erie – $249 annual premium
- American Family – $353 annual premium
- State Farm -$396 annual premium
These rates cover only mandatory insurance requirements as laid out by state laws. The average rate for the minimum auto insurance requirements in Wisconsin is $486 (annual premium).
Cheapest Full Coverage Auto Insurance in Wisconsin
State farm offers the cheapest car insurance quote in Wisconsin, to those seeking full coverage auto insurance. You can get full coverage for as low as $96 per month or $1,150 per year. American Family also offers a good deal at $99 per month and $1,187 per year.
If you want to get the best full coverage deal, opt for liability, comprehensive, and collision coverage to ensure optimal protection for you and your vehicle.
Best and Cheapest Car insurance For Drivers with a DUI
For drivers with a DUI, State Farm offers the cheapest coverage at a $914 annual premium.
Cheapest Car insurance in Wisconsin for Speeding or Distracted Driving Tickets
SECURA offers the cheapest car insurance in Wisconsin for drivers with a ticket at an annual premium of $802. You can also get coverage from State Farm at an annual premium of $869.
Cheapest Car Insurance Companies in Wisconsin for Drivers with Bad Credit
Geico offers the cheapest auto insurance coverage for good drivers with bad credit at $1,020 per year. Other options include West Bend at $1,228 per year and SECURA at $1,264 per year.
Cheap Insurance for Young Drivers in Wisconsin
State Farm offers the cheapest insurance for young drivers. You can get coverage for as low as $19 per month. Erie and Partners Mutual also offers cheap car insurance for young drivers for as low as $22 per month. At $25 per month, young drivers can also get insurance from Pekin.
Best and Cheap Car Insurance for families
Geico and Erie offer the cheapest car insurance in Wisconsin for families with a teen at $1,466 per year and $1,779 per year, respectively. Couples can get auto insurance at a lower rate.
Best For veterans
USAA offers the best deals for veterans, serving military members, and their immediate families. The rates vary by applicant, but those eligible for coverage by USAA can also lookup discounts offered by the company.
Wisconsin Auto Insurance, Traffic Rules, and Penalties
The following is a list of Wisconsin car insurance laws that drivers must be aware of.
- Car insurance is mandatory by law.
- Every driver is to carry proof of car insurance at all times – trailers and semi-trailers excluded.
- Driving without insurance is a punishable offense. The offender may face a fine of up to $500.
- Failure to show proof of insurance may get the driver or vehicle owner a fine of up to $10.
- Fraudulent proof or showing expired insurance as proof can result in a fine of up to $5,000.
- Authorities may ask for proof of insurance in case of a general traffic violation resulting in the stopping of the vehicle or an accident.
- You do not have to present proof of insurance when obtaining your driver’s license as per Wisconsin auto insurance law. Tickets, DUI, at-fault accidents under your belt, and fines all impact your car insurance rates.
Best Car Insurance Companies in Wisconsin
|Company||Best For?||Market Share||AM Best Rating||Rates|
|Erie||Cheap minimum coverage||3.46%||A+||$249|
|American Family||Cheap insurance – full coverage||18.9%||A||$353|
|State Farm||Cheap insurance -Young drivers||14.49%||A++||$396|
|Geico||Cheap insurance- poor credit||4.76%||A++||$607|
|SECURA||Cheap insurance – driving tickets||1.33%||A+||$527|
|Good market repute||18.24%||A+||$568|
|All-State||More coverage options||4.57%||A+||$792|
As mentioned earlier, Erie insurance is ideal for those seeking cheap car insurance in Wisconsin. Other favorable features offered by the company include the ability to lock your premium, so it doesn’t change annually unless you change the terms of your policy. The overall customer satisfaction rate of Erie insurance is high. Young drivers or students may, in particular, benefit from the deal offered by Erie Insurance.
American Family is another insurance company with a high customer satisfaction rating. It offers pretty affordable insurance rates and is ideal for cheap full coverage Wisconsin auto insurance. You can also get multiple vehicles, multiple policies, and numerous other discounts to get a good deal on your auto insurance.
State Farm is the best auto insurance in Wisconsin for young drivers, drivers with a DUI, those seeking full coverage, and more. It is a well-known provider with an excellent AM best rating and a high customer satisfaction rate. You can also search for discounts offered by the company to get an even lower premium.
Geico has excellent customer service and is known for handling customer claims timely and in a satisfactory manner. If you are looking for cheap Wisconsin car insurance with poor credit, then Geico is the company to go to.
Secura insurance company focuses on building relationships, and its clients attest to the company’s claim. They were given a perfect 10 in ease of doing business and customer satisfaction in a recent survey. It offers excellent deals in high-risk auto insurance in Wisconsin. It is the company to go to if you have a DUI on record.
Progressive has the second-highest car market share in Wisconsin, and rightfully so. It has an average of 4.5/5 rating on various review websites and is known to offer various tools and quality support services to its tech-savvy clients. Here is where your search for the best car insurance in Wisconsin, ends, provided you can afford the high insurance cost.
USAA is perfect for veterans, serving military members, and their families. It offers incredibly affordable rates but only caters to the niche market mentioned above. It is also one of the most reputable insurance service providers across the country and is the best option for those eligible for insurance coverage under company policy.
The customer satisfaction rate for Allstate is pretty average. Other companies on the list offer better rates and have a higher customer satisfaction rate. Allstate Insurance does offer plenty of other coverage options you can include in your Wisconsin auto insurance plan.
When searching for cheap car insurance in Wisconsin, make sure you do your research as insurance rates vary by company, age, gender, credit record, and numerous other factors. You can also refer to our guide for further reference.
Pros & Cons
Why Is Auto Insurance In Wisconsin So Expensive?
The minimum auto insurance requirements in Wisconsin are higher than in other states. Thus, auto insurance in Wisconsin is more expensive. Other factors, such as the applicant’s profile, also affect the insurance rates.
Is Wisconsin No-Fault State?
No, Wisconsin is not a No-Fault State. The at-fault driver’s insurance company covers the damages, and the authorities and insurance agencies determine who is at fault.
How to Reduce Car Insurance Costs in Wisconsin?
To ensure you get the best deal on auto insurance in Wisconsin, get quotes from multiple insurance agencies so you can opt for one that offers the best deal at the best price. You can also look at available discounts at insurance agencies and see if you can get bundle or membership discounts.
What is the Best Auto Insurance in Wisconsin?
Erie offers the cheapest minimum coverage auto insurance in Wisconsin. Other insurance companies you can consider are American Family and State Farm.