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      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Best car insurance in Wisconsin for 2025

      Written by
      Ashlyn Brooks
      Edited by
      Maggie Kempken
      Edited by
      Maggie Kempken
      Maggie Kempken
      Updated May 01, 2025
      Geico, State Farm and Travelers are among the best car insurance companies in Wisconsin.
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      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
      Insurance disclosure

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      On This Page

      Best car insurance companies in Wisconsin

      According to our analysis of average premium data provided by analytics company Quadrant Information Services, the average cost of a full coverage policy in Wisconsin is $1,929 per year. Minimum coverage averages $458 annually. However, if you're looking for thebest car insurance in Wisconsin, price isn't the only factor to consider. 

      You may also want to review customer satisfaction perJ.D. Power’s 2024 U.S. Auto Insurance Study, as well as each company's policy options, digital tools and discount opportunities. Based on our review of these metrics (and others), you might find the best Wisconsin auto insurance by shopping with Geico, State Farm, Auto-Owners, Chubb and Travelers.

      4.3
      Rating: 4.3 stars out of 5
      4.3
      Rating: 4.3 stars out of 5
      4.3
      Rating: 4.3 stars out of 5
      4.0
      Rating: 4 stars out of 5
      4.1
      Rating: 4.1 stars out of 5
      $1,246
      $227
      $2,192
      $499
      $1,916
      $479
      $2,321
      $548
      $973
      $332
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
      Auto Car New Icon
      Rates refreshed as of May 2025
      Read our full methodology

      Geico

      Best for discounts

      GeicoGeico

      4.3

      4.3

      Rating: 4.3 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $104/mo

      Avg. full coverage premium

      $1,246/yr

      Customer satisfaction

      641/1,000

      • Why Geico made our list: Geico tends to have lower-than-average premiums, and offers a long list of discounts that could save you even more. You could earn a discount by being a military member, taking a defensive driving course or enrolling in Geico’stelematics program DriveEasy. You can also stack many of GEICO’s discounts together to help you get the best coverage for the lowest price. Drivers with tickets or accidents on their driving record may also want to consider a quote from GEICO — it won the award for Best Auto Insurance Company for High-Risk Drivers in the2025 Bankrate Awards.

        Who Geico may be good for:High-risk Wisconsin drivers looking for basic, no-frills car insurance coverage with plenty of discount opportunities may want to consider comparing Geico with other insurers to see if it’s the right fit.

      State Farm

      Best for local agents

      State FarmState Farm

      4.3

      4.3

      Rating: 4.3 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $183/mo

      Avg. full coverage premium

      $2,192/yr

      Customer satisfaction

      665/1,000

      • Why State Farm made our list: As thelargest car insurance company in the country by market share, State Farm operates through a robust network of local agents, which could appeal to those who prefer the personalized service that a local agent can provide. Those who prefer to do business online may like State Farm as well, as it was highly rated by J.D. Power for the2024 U.S. Insurance Digital Experience Study in the service category. It also tied for fourth place in the North Central region in the J.D. Power 2024 Auto Insurance Study for customer satisfaction and won a 2025 Bankrate Award for Best Auto Insurance Company For Safe Drivers. Those who need gap insurance or want to purchase accident forgiveness, however, might want to look at different insurers, as State Farm offers neither.

        Who State Farm may be good for:State Farm could be a great choice for drivers who like to work one-on-one with an agent in person and don’t mind having fewer coverage options.

      Auto-Owners

      Best for coverage add-ons

      Auto-OwnersAuto-Owners

      4.3

      4.3

      Rating: 4.3 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $160/mo

      Avg. full coverage premium

      $1,916/yr

      Customer satisfaction

      646/1,000

      • Why Auto-Owners made our list:Auto-Owners has a suite of coverage options that could stand out from other carriers on this list. For instance, if you insure your car and property with Auto-Owners and both are damaged in the same event, the company may waive or reduce your auto deductible (as long as you carry the Common Loss Deductible endorsement). Another unique option is Auto-Owners’ Collision Coverage Advantage, which waives yourcollision deductible if you’re in an accident with another vehicle insured by Auto-Owners. Auto-Owners also won two 2025 Bankrate Awards, one for Best Auto Insurance Company for Young Drivers and Best Budget Auto Insurance Company, so if you’re young and looking for affordable coverage, you may want to put it on your list of potential insurers. It did, however, score below average on all three of J.D. Powers’ 2024 surveys that we looked at, indicating that its customers may not be totally happy with its customer service.

        Who Auto-Owners may be good for:If you enjoy building a robust policy to accommodate your needs, you may want to request a quote from Auto-Owners.

      Chubb

      Best for added perks

      ChubbChubb

      4.0

      4.0

      Rating: 4 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon

      Avg. full coverage premium

      $193/mo

      Avg. full coverage premium

      $2,321/yr

      Customer satisfaction

      Not rated

      • Why Chubb made our list: Perhaps not thecheapest car insurance company in Wisconsin, Chubb’s Masterpiece program could still be ideal for drivers seeking a seamless claims process with added perks. For starters, the company uses original equipment manufacturer (OEM) parts to repair your vehicle after a covered claim. You can also purchase a coverage option that allows you to declare the value of your vehicle before a claim happens. Then if your car is deemed a total loss after a covered accident, Chubb may pay out the declared value regardless of depreciation. The carrier’s rental reimbursement coverage also goes an extra step by providing coverage up to a $15,000 limit with no per-day cap.

        Who Chubb may be good for:Chubb may be best for drivers of luxury vehicles willing to spend more on Wisconsin car insurance for the additional perks the company’s claim experience offers compared to competitors.

      Travelers

      Best for bundling

      TravelersTravelers

      4.1

      4.1

      Rating: 4.1 stars out of 5
      Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings.
      Bankrate ScoreInfo Icon
      Read Travelers reviewGet a quote

      Avg. full coverage premium

      $81/mo

      Avg. full coverage premium

      $973/yr

      Customer satisfaction

      606/1,000

      • Why Travelers made our list:In addition to low average car insurance premiums, Travelers tends to offer some of thecheapest homeowners insurance, making it a great choice for bundling your Wisconsin home and auto insurance. Travelers offers a generous list of car insurance discounts and many types of insurance policies, which could make it your one-stop-shop for most of your insurance needs. That said, Travelers fell below average in each of the J.D. Power’s studies we looked at during our research, so if customer experience is your top priority, you may want to look at other insurers.

        Who Travelers may be good for:Drivers looking to save by handling their insurance needs with a single carrier may find Travelers to be a good fit, with its cheaper-than-average home and auto insurance.

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      How Bankrate chose the best car insurance companies in Wisconsin

      To find the best auto insurance in WI, Bankrate’s insurance editorial team started by reviewing average premiums sourced from Quadrant Information Services. However, quality isn’t always tied to price.

      We also reviewed coverage options, digital tool availability and customer service hours, along with other essential metrics to find the best Wisconsin car insurance. Then, we weighted this information to calculate a proprietary Bankrate Score. Bankrate Scores range from 0.0 to 5.0 — the higher a carrier’s score, the better it fared. Our scoring method is intended to give our readers a quick way to evaluate insurance companies and decide which carriers to request quotes from.

      Bankrate logo

      Why you can trust Bankrate

      Read our full methodology

      The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

      78

      years of industry experience

      9

      licensed staff

      34.5K

      ZIP codes examined

      120

      carriers reviewed

      Compare auto insurance rates

      Answer a few questions to see personalized rates from top carriers.
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      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      How to find the best car insurance in Wisconsin

      When it comes to great car insurance, Wisconsin drivers will find that the right provider largely depends on individual circumstances. Everyone’s financial picture and insurance history look different. Because of this, drivers may even find that the best insurance provider for them changes every so often because of changing personal circumstances. However, there are at least three steps most people can take to begin narrowing down their options:

      • Like most states, Wisconsincar insurance laws require drivers to carry minimum liability insurance. By default, you have to purchase at least the state’s mandated minimums. However, many insurance experts recommend purchasing more than theminimum insurance limits to offer more financial protection in the case of a covered incident. If you are unsure how much car insurance is right for you, talking with a licensed agent could offer some clarity.

      • Although Wisconsin requires only liability and uninsured motorist insurance, individual lenders or lienholders will require you to purchasefull coverage auto insurance. That’s because liability insurance does not include financial protections for damage to your car. By requiring a policy with comprehensive and collision coverage, the lender is protecting their asset.Gap insurance may be required for the same reason, but even if it’s not, you might want to consider it. This type of insurance helps cover the difference between a vehicle’s depreciated value and your loan balance should the vehicle be stolen and unrecoverable or totaled in a covered incident.

      • The amounts and types of car insurance you really need to keep your assets safe may exceed the requirements set forth by the state of Wisconsin and your lender. For example, if you own a home or have assets that exceed Wisconsin’s minimum coverage requirements, you can protect your finances by purchasing enough liability insurance to cover your assets. Additionally, if you only have access to one vehicle and cannot go without, it may be worth adding coverage likerental car reimbursement androadside assistance to your auto policy to provide coverage if your vehicle breaks down or you need another car to drive while yours is being repaired after a covered claim.

      Related content:

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      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      How much is car insurance in Wisconsin?

      The average annualcost of car insurance in Wisconsin is $1,929 for full coverage, compared to thenational average of $2,692 for full coverage. Minimum coverage in Wisconsin costs an average of $458 annually, which is also considerably less than the national average of $808 per year. Wisconsin rates are also low compared to neighboring states. The average annual rates for full coverage in Minnesota and Illinois are $2,619 and $2,436, respectively.

      Wisconsin’s low average rates may be partly due to its lower risk of fatal accidents. TheInsurance Institute for Highway Safety reported 547 fatalities resulting from car accidents in Wisconsin for 2022, which is relatively low compared to states with more populous metropolitan areas.

      CityAvg. annual full coverage premiumAvg. savings vs. state average
      Auto insurance rates are known to fluctuate frequently, but you can rely on Bankrate to offer you the latest options available.
      Auto Car New Icon
      Rates refreshed as of May 2025
      Read our full methodology

      Estimate your car insurance cost in Wisconsin

      Navigating Wisconsin's evolving car insurance landscape can be challenging. By using Bankrate’s calculator below, you can get a clearer picture of potential costs tailored to your circumstances.

      Calculate your monthly car insurance payment

      Get a quick estimate to make sure you're not overpaying.

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      These factors have the largest impact on your payment and are used to provide a personalized estimate. Based on the state you live in, some rating factors may not apply.
      Why we're asking
      We calculated your estimate by comparing your provided details to data from similar drivers. Our estimate assumes 2020 Toyota Camry, 12,000 miles annually, and 100/300/50 liability limits with $500 comprehensive and collision deductibles.
      Methodology

      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Powered by Coverage.com (NPN: 19966249)

      Advertising disclosure
      This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

      Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available instates where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

      Frequently asked questions

      • Your car insurance premiums consider several variables, including your driving record, vehicle type, age, gender, credit rating and ZIP code. As a result, thecheapest car insurance for one driver may not be the most affordable for another. Not only are rates highly individualized, but they vary by company. Using our regularly updated list of the current cheapest car insurance in Wisconsin as a starting point, drivers can request free estimates from several insurers to see which may be the cheapest for them. When considering new carriers, it can be wise also to compare any available discounts on offer to see how that may affect your premium.

      • Yes. Before you can legally drive in Wisconsin, you’ll need to purchase as least the minimum liability coverage, which include:

        • $25,000 for injury or death per person
        • $50,000 for injury or death per accident 
        • $10,000 for property damage. 
        • $25,000 uninsured motorist bodily injury per person
        • $50,000 uninsured motorist bodily injury per accident

      • In Wisconsin, when obtaining a driver's license or registering a vehicle, proof of insurance is not mandatory. However, there are instances where theDMV might request such proof, particularly if it's a prerequisite for reinstating a driver's license after suspension or revocation. It's advisable to be prepared with your insurance information in case it's requested. Always consult with DMV guidelines to ensure compliance.

      • Wisconsin is one of the cheaper states for car insurance based on average rates, but yourauto insurance rates may be high  for a variety of reasons, including your driving record, vehicle type or age. Wisconsin's average rates, $1,929 for full coverage and $458 for minimum, are below the national averages of $2,692 for full and $808 for minimum. Drivers in large cities, like Milwaukee, will likely pay more for coverage as populated areas generally have higher costs of living and more congested roadways.

      Clock Wait Icon
      46
      years of industry expertise
      Search Icon
      122
      carriers reviewed
      Location Icon
      34.5K
      ZIP codes examined
      Dollar Coin Icon
      1.2M
      quotes analyzed

      Methodology

      Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

      User Icon
      40 year old
      Single male and female driver
      Logo for Brand name
      2023 Toyota Camry
      Primary vehicle
      Credit Good Icon
      Good credit score
      Auto Insurance Guide Icon
      Clean driving record
      Briefcase Icon
      Commutes 5 days

      Bodily injury liability

      $100,000 per person
      $300,000 per accident

      Property damage liability

      $50,000 per accident

      Personal injury protection

      $100,000 per accident

      Uninsured motorist bodily injury

      $100,000 per person
      $300,000 per accident

      Collision deductible

      $500

      Comprehensive deductible

      $500

      To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

      Bankrate Score

      Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

      Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

      • Tier 1 (Cost & ratings):To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings fromJ.D. Power,AM Best, Demotech and theNational Association of Insurance Commissioners (NAIC). 
      • Tier 2 (Coverage & savings):We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
      • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

      Tier scores are unweighted to show the company's true score in each category out of a possible five points.

      Written by
      Ashlyn Brooks
      Writer II, Insurance
      Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
      Edited by
      Maggie Kempken
      Managing Editor, Insurance

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