Best and Cheapest Car Insurance in Wisconsin (Save With These 10 Companies in 2024)

USAA, State Farm, and Geico have the best and cheapest car insurance in Wisconsin for drivers.

The top three best and cheapest car insurance companies have the cheapest Wisconsin rates, as well as good reputations as insurers, plenty of coverages, and numerous discounts. For more options, take a look at the table below.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$16	A++	Military Benefits	USAA
	#2	$21	A++	Cheap Rates	State Farm
	#3	$22	A++	Cost Savings	Geico
	#4	$23	A	Claims Service	American Family
	#5	$26	A++	Bundling Policies	Travelers
	#6	$30	A	Policy Options	Liberty Mutual
	#7	$33	A+	Roadside Assistance	Progressive
	#8	$38	A	Group Discounts	Farmers
	#9	$43	A+	Pay-Per-Mile Rates	Allstate
	#10	$80	A+	Vanishing Deductible	Nationwide

Our guide to cheap Wisconsin insurance goes over everything you need to know about the top companies, insurance requirements, and more. Find cheap Wisconsin car insurance quotes today by entering your ZIP in our free quote tool.

What You Should Know

• USAA has the cheapest Wisconsin car insurance for veterans and military members
• State Farm and Geico are cheapest for non-military drivers
• Wisconsin drivers are required by state law to carry auto insurance

On this page:

• Top Wisconsin Companies Rates and Discounts
• Cheapest Teen Car Insurance Rates in Wisconsin
• Cheapest Married Couple Car Insurance Rates in Wisconsin
• Cheapest Senior Car Insurance Rates in Wisconsin
• Cheapest Cities in Wisconsin for Car Insurance
• Most Expensive Cities in Wisconsin for Car Insurance
• Wisconsin Minimum Car Insurance Coverage and Limits
• How Wisconsin Companies Calculate Car Insurance Rates
• How to Save on Wisconsin Car Insurance
• How Clearsurance Ranks Wisconsin Car Insurance Companies
• Finding the Best and Cheapest Wisconsin Car Insurance for You

#1 – USAA: Top Pick Overall

Pros

• Military Benefits: USAA has shopping discounts and more for its Wisconsin military customers. Our USAA review goes over these benefits in more detail.
• Customer Service: USAA has great Wisconsin customer service, according to multiple customer reviews.
• Good Student Discounts: Drivers under 25 who are still in school will get discounts for good grades.

Cons

• Eligibility Restrictions: USAA is only serves military members, veterans, and their families in Wisconsin.
• Limited Local Agents: Local agents will be difficult to find, as service is usually provided online.

#2 – State Farm: Best for Cheap Rates

Pros

• Cheap Rates: State Farm has the cheapest rates for Wisconsin drivers besides USAA. Our review of State Farm goes over rates in more detail.
• Local Agents: Local Wisconsin agents can be visited for in-person assistance.
• Coverage Options: Wisconsin customers can carry minimum coverage or add on optional coverages for more protection.

Cons

• Limitations for Online Management: Wisconsin agents will have to be contacted for most changes.
• A.M. Best Rating: State Farm has a B rating from the financial rating company A.M. Best.

#3 – Geico: Best for Cost Savings

Pros

• Cost Savings: Like State Farm, Geico is the best option for drivers who can’t get USAA coverage.
• Bundling Discount: Wisconsin customers can add Wisconsin Geico renters insurance or home insurance.
• User-Friendly: Wisconsin policy and claim management should be easy to navigated for most customers.

Cons

• No Local Agents: Wisconsin agents can't be visited in-person, due to the focus on user-friendly, online functionality.
• New Car Coverages: Geico has most coverages for customers, but it doesn’t offer gap, which is a great coverage for most new cars.

#4 – American Family: Best for Claims Service

Pros

• Claims Service: Most Wisconsin customers are happy with claims service from American Family.
• Loyalty Discounts: Lower rates may be given to repeat Wisconsin customers.
• Add-On Coverages: American Family has a full list of add-ons, from roadside assistance to rental insurance.

Cons

• Limitations to Online Management: Wisconsin agents will have to finalize some changes.
• High-Risk Rates: Rates are higher and less competitive for bad drivers. Find out more about high-risk rates in our American Family review.

#5 – Travelers: Best for Bundling Policies

Pros

• Bundling Policies: Wisconsin home insurance can be bundled with Wisconsin auto insurance.
• IntelliDrive Program: Free to all Wisconsin customers and offers a discount for safe driving. Coverage Variety: Travelers has roadside assistance and more for Wisconsin drivers.

Cons

• IntelliDrive Rate Increases: IntelliDrive participants may have higher rates for bad driving scores.
• Customer Reviews: Improvements could be done, which you can learn about in our Travelers review.

#6 – Liberty Mutual: Best for Policy Options

Pros

• Policy Options: Liberty Mutual sells more than just Wisconsin car insurance. Learn about its home, business, and other policies in our Liberty Mutual insurance review.
• Accident Forgiveness: First at-fault accidents in Wisconsin could be forgotten for some.
• Discount Options: Wisconsin good student discounts, bundling discounts, and more are available.

Cons

• Customer Reviews: Ratings for customer service are average and could be better.
• High-Risk Rates: Multiple driving infractions on Wisconsin driving record will make insurance pricey.

#7 – Progressive: Best for Roadside Assistance

Pros

• Roadside Assistance: Wisconsin customers can add 24/7 roadside assistance to their Progressive policy.
• Snapshot Program: The program is free to join and rewards safe drivers in Wisconsin.
• Loyalty Programs: Join a loyalty program for free if you plan on sticking with Progressive.

Cons

• Snapshot Rate Increase: Participants could have higher rates after completing the program due to bad driving habits.
• Customer Service Ratings: While not bad, Progressive could improve. Learn more in our Progressive insurance review.

#8 – Farmers: Best for Group Discounts

Pros

• Group Discounts: Farmers has discounts for group insurance policies, such as a business purchasing insurance for employees. .
• Flexible Payments: Farmers has different options for payment frequency and method.
• Coverage Options: Roadside assistance and other coverages can be added to Wisconsin policies. Read more about coverages in our Farmers insurance review.

Cons

• Customer Service Ratings: Ratings could be higher, although they aren’t the worst.
• Claims Processing: Common complaints deal with slow Wisconsin claims filing.

#9 – Allstate: Best for Pay-Per-Mile Rates

Pros

• Pay-Per-Mile Rates: Get cheaper rates as an infrequent driver in Wisconsin by joining Milewise.
• Safe-Driving Discounts: Customers can lower Wisconsin rates with safe driving discounts. Find out more about discounts in our Allstate review.
• Add-On Coverages: Roadside assistance and other helpful coverage can be added.

Cons

• Claim Reviews: Complaints center around the handling of Wisconsin claims.
• Teen Driver Rates: Young driver Wisconsin quotes are high at Allstate.

#10 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Some customer can earn lower deductibles on Wisconsin insurance.
• Bundling Discounts: Another major discount is earned by bundling Wisconsin policies. See what the company sells in our Nationwide insurance review.
• SmartMiles Insurance: Affordable coverage for infrequent drivers in Wisconsin.

Cons

• Limited Local Agents: Wisconsin agents may be difficult to find, although changes can be made online, so local agents aren’t necessary.
• High-Risk Rates: Wisconsin drivers with poor driving records will have high quotes.

Top Wisconsin Companies Rates and Discounts

Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Wisconsin. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Wisconsin car insurance companies.

Read More: What to Consider When Getting Car Insurance Quotes Online

To see how rates for different coverages are priced at the top Wisconsin companies, take a look at the average rates displayed in the table below.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$43	$123
American Family	$23	$63
Farmers	$38	$109
Geico	$22	$62
Liberty Mutual	$30	$84
Nationwide	$80	$226
Progressive	$33	$94
State Farm	$21	$58
Travelers	$26	$72
USAA	$16	$47

Full coverage is often the best coverage for Wisconsin drivers, but can be expensive compared to minimum coverage. To save on a full coverage policy, make sure to check your company's discount list.

While we see advertisements from auto insurance companies on a daily basis promising cheap car insurance rates and great coverage in Wisconsin, it can be tough to truly know which one is the best company for you. Unless you’ve had a car insurance policy from a company previously, how can you know how it treats its policyholders?

In the tables above, you can sort through all the Wisconsin auto insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Wisconsin car insurance rankings.

Interested in learning more about one of these Wisconsin auto insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

Cheapest Teen Car Insurance Rates in Wisconsin

Teen drivers face higher rates due mostly to inexperience. But the cheapest companies offers things like good student discounts and a telematics program that tracks key behaviors and rewards you based on good driving habits. Some teen drivers pay below the national average by utilizing all available discounts on collision coverage.

Learn More: Tips to Keep Teen Drivers Safe on the Road

Below, you can see the average car insurance rates at the cheapest Wisconsin companies for minimum coverage rates for male and female teen drivers.

Insurance Company	Female	Male
Allstate	$116	$176
American Family	$62	$68
Farmers	$251	$259
Geico	$62	$67
Liberty Mutual	$71	$80
Nationwide	$152	$233
Progressive	$197	$223
State Farm	$60	$76
Travelers	$155	$216
USAA	$49	$57

Among these most popular companies in Wisconsin, USAA is the cheapest car insurance option for both male and female teen drivers on average. American Family, Geico, and State Farm are also affordable options for teen drivers.

Cheapest Married Couple Car Insurance Rates in Wisconsin

The table below displays average Wisconsin auto insurance rates for married couples with two cars on a policy from the cheapest Wisconsin companies in the state.

Insurance Company	Monthly Rates
Allstate	$46
American Family	$27
Farmers	$49
Geico	$21
Liberty Mutual	$32
Nationwide	$112
Progressive	$49
State Farm	$28
Travelers	$30
USAA	$25

USAA offers the cheapest car insurance rates for married couples in Wisconsin on average when compared with the largest car insurers in the state. These rates are typically associated with clean driving records.

Learn More: Best Car Insurance Companies for Married Couples

A clean record gets you off to the right start when shopping for Wisconsin car insurance quotes. When combined with all available discounts, you can get lower rates.

Cheapest Senior Car Insurance Rates in Wisconsin

It is much easier for senior drivers in Wisconsin to find cheap car insurance, as they have driving experience and are on the road less. The table below shows average minimum coverage rates for senior drivers by gender.

Insurance Company	Female	Male
Allstate	$39	$43
American Family	$20	$21
Farmers	$33	$36
Geico	$19	$21
Liberty Mutual	$22	$25
Nationwide	$64	$68
Progressive	$28	$30
State Farm	$18	$18
Travelers	$24	$24
USAA	$15	$15

Among the cheapest companies in the state, USAA provides the cheapest car insurance rates in Wisconsin for male and female senior drivers on average. State Farm, American Family, and Geico are also cheap.

Depending on your driver profile, you may or may not find lower average rates with companies like AARP who cater exclusively to senior drivers. A clean record always helps as well when shopping for the best car insurance for senior drivers. The rates in the table are based on sample quotes, so you can get the most accurate numbers by getting Wisconsin car insurance quotes.

Cheapest Cities in Wisconsin for Car Insurance

There are many factors that contribute to cheap car insurance rates. For drivers in Wisconsin, average rates vary based on your city. The cheapest city in Wisconsin for car insurance on average is Sheboygan Falls.

Read More: How to Get Cheap Car Insurance

In the table below, you can see the top 10 cheapest cities in Wisconsin for car insurance based on average rates for a single adult.

City	Monthly Rates
Sheboygan Falls	$75
Sheboygan	$75
Neenah	$75
Kohler	$75
Oostburg	$75
Kimberly	$76
Cedar Grove	$76
Green Bay	$76
Plymouth	$76
Menasha	$77

Cities that are cheaper tend to have less claims filed, lowering the cost for all drivers in the city. This could be due to better traffic patterns, fewer crimes, and other similar factors.

Most Expensive Cities in Wisconsin for Car Insurance

The table below displays the top 10 most expensive cities in Wisconsin for car insurance based on average rates for a single adult. These are just samples. The only way to get your rates is by getting an insurance quote.

City	Monthly Rates
Brill	$120
Jump River	$117
Hannibal	$116
Galloway	$116
Heafford Junction	$115
Milwaukee	$115
Mikana	$106
Maplewood	$105
Hertel	$103
Spooner	$102

Since different cities of Wisconsin have different crime rates and number of accidents, your annual premium will vary based on your zip code. On average, the most expensive city in Wisconsin for car insurance is Brill (Read More: Why is car insurance so expensive?).

Wisconsin Minimum Car Insurance Coverage and Limits

Wisconsin requires drivers to have liability insurance and uninsured motorist coverage. Wisconsin auto insurance companies also are required to offer you underinsured motorist coverage, but you can reject this coverage. If you choose to add it to your policy, underinsured motorist coverage would cover any costs that are above the limits of the driver who is at fault in the accident. The minimum limits for this coverage are $50,000 per person and $100,000 per accident.

Wisconsin’s minimum limits for the required liability and uninsured motorist coverages are listed below, but it’s important to consider purchasing higher limits. These minimums likely wouldn’t be enough to fully cover you in the event of a costly accident.

You also should consider adding optional coverages such as collision insurance, comprehensive coverage, medical payments and roadside assistance when selecting your policy.

Here is a list of Wisconsin's minimum coverage requirements:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $10,000 per accident
• Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Wisconsin Uninsured Motorist Percentage

Uninsured motorist coverage is required in Wisconsin, so it’s worthwhile to know exactly what it covers. This coverage would kick in to pay for injuries you or any of your passengers suffer in a hit-and-run accident or an accident caused by a driver without insurance.

Read More: What is uninsured motorist coverage?

In Wisconsin, 14.3 percent of drivers don’t have insurance, according to 2015 data from the Insurance Information Institute.

How Wisconsin Companies Calculate Car Insurance Rates

When searching and comparing quotes from the best auto insurance companies in Wisconsin, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

• Age, Gender, & Marital Status
• Driving Record & Annual Mileage
• Your Car’s Make, Model, and Year
• Location & Credit Score
• Amount of Car Insurance Coverage

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident and have a clean driving record, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Read More: What is considered a clean driving record?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident.

So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to Save on Wisconsin Car Insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Wisconsin car insurance companies.

Here are six ways you may be able to lower your car insurance rates:

• Bundle your car insurance with other policies
• Consider raising your deductibles
• Pay your car insurance policy in full
• Try usage-based car insurance
• Shop for better insurance rates

While you never want to sacrifice quality to save a couple of dollars, follow these different hacks to save money on your car insurance rates. You can also get Wisconsin insurance quotes using our free quote tool.

How Clearsurance Ranks Wisconsin Car Insurance Companies

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well with claims and customer service vs. the percentage of what customers say the company could do better.

Read More: Insurance Claims Rating for Top 10 Largest Car Insurance Companies

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Finding the Best and Cheapest Wisconsin Car Insurance for You

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance . Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.

Compare rates with our free quote tool to find the best Wisconsin car insurance today.