Cheapest Car Insurance Rates in 2023

Best Car Insurance Companies in Wisconsin

• Erie
• American Family
• State Farm
• SECURE Insurance
• Progressive
• Auto Owners Insurance

Auto Insurance Statistics in Wisconsin

In Wisconsin, average auto insurance rates appear to have been on the incline for some time.

Top 10 Cheapest Car Insurance Companies in Wisconsin

Drunk Driving Fatalities

Although there has been some fluctuation in the amount of drunk driving fatalities in Wisconsin, in general, the numbers have stayed the same over the years with a decline starting in 2016. Drinking and driving can be deadly and in Wisconsin, the number of drunk driving related fatalities appear to have been remaining steadily above that of the national average. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Wisconsin vs. nationwide.

Drunk driving fatalities in Wisconsin from 2013 to 2017

Teen Drinking and Driving

Teen drinking and driving in Wisconsin is fairly high but remains below the national average. The data below demonstrates the number of teenagers who are drinking while under the influence of alcohol in Wisconsin in comparison to other states. The data was compiled from the Center for Disease Control.

Teen Drinking & Driving in Wisconsin vs. Nationwide (2017)

SR-22 Insurance in Wisconsin

If you have license suspended or revoked in Wisconsin, you might need an SR-22 form to have it reinstated. This is a form of insurance that guarantees a basic level of coverage — DMVs require it if they believe you are an at-risk driver. In Wisconsin, you will $10,000 of property damage coverage, $25,000 of coverage for single injury or death, and $50,000 of coverage for death or injury to multiple people.

In some cases, you won’t need this type of insurance to reinstate your license in Wisconsin. Infractions such as non-compliance with driver safety plan and non-compliance with an assessment interview do not count. Make sure to check with your DMV or insurance provider to double-check if this is a necessary form of insurance for you.

Car Theft in Wisconsin

Wisconsin is a state with a low level of car theft when compared with other states across the country. By finding out about the number of car thefts in Wisconsin, drivers will have a more comprehensive understanding of the level of risk they take while driving and owning a car in the state.

Vehicle thefts by rank nationwide vs. Wisconsin

Uninsured Motorists in Wisconsin

Driving without insurance in Wisconsin or any state can prove risky. In addition to the possibility of having their license suspended, uninsured drivers will also have to pay out of pocket for damages caused in an accident. To protect against having to also pay out of pocket expenses, it is helpful to have uninsured and underinsured motorist coverage. The below data shows how well Wisconsin ranks in the total number of reported uninsured motorists in the state in the year 2015.

Percentage of uninsured drivers (Top States in 2015)

To appreciate the outdoors in Wisconsin, a vehicle is needed. If you have a vehicle, you need auto insurance. In this state, the following coverage minimums are required by law for vehicle owners:

$25,000:$50,000:$10,000:

• $25,000: This amount covers the bodily injury or death of one person in an accident.
• $50,000: This is the amount allotted for the injury or death of more than one person during an accident.
• $10,000: This amount covers damage inflicted on another person’s property during an accident.

Auto insurance is a necessity, but it can also be expensive. The average resident here pays $733 yearly to have their vehicle insured, but rates can vary dramatically depending on the company and location. Generally, people don’t want to pay more than they have to for anything. For this reason, we’ve compiled a list of the cheapest auto insurance companies in Wisconsin for each of the state’s five biggest cities.

Cheapest Auto Insurance Companies by City

Milwaukee, WI

Milwaukee is the largest city in Wisconsin. The city is renowned for its brewing industry – they even have a baseball team named after it: The Milwaukee Brewers.

Auto insurance prices here are high at an average of $1,411 annually – nearly twice the state average. With prices so high, it’s important to shop around for the best deal. USAA offers policies averaging $570, although it’s limited to military members. For others, GEICO also offers great value at around $636. Here’s the full list of the cheapest insurance companies in Milwaukee:

Madison, WI

• USAA
• GEICO
• Auto-Owners
• Farmers
• Auto Club Group

Madison is Wisconsin’s capital, and second biggest city. It’s also a great place to live. In fact, it has ranked among the best places to live in the US in numerous publications, including the #1 ranking in Money Magazine in 1996.

Auto insurance here is reasonably priced at an average annual rate of $701, just below the state average. There are still a lot of savings to be had however, with companies like Partners Mutual offering rates as low as $336:

Green Bay, WI

• Partners Mutual
• GEICO
• USAA
• Western Mutual
• Auto Club Group

Green Bay, Wisconsin’s third largest city, is home to a number of colleges, museums, and parks. But this city is predominantly known for one thing: The Green Bay Packers. They are the smallest professional sports market in the country by far, something the community takes great pride in.

Auto insurance here is quite reasonable, with average rates at around $652 per year. For the best deals, look into these companies:

Kenosha, WI

• GEICO
• USAA
• Partners Mutual
• Auto Club Group
• Western National

Ranking as the state’s fourth largest city, Kenosha is a great place for outdoor activities during the summer. Golf is particularly popular here, with the Petrifying Springs Golf Course being named ranked as the state’s #1 course by the Milwaukee Journal Sentinel.

Auto insurance rates run above the state average here, with residents paying $841 yearly. Check out these companies for better rates:

Racine, WI

• GEICO
• USAA
• Auto Club Group
• Western National
• State Farm

Racine, the fifth biggest city in the state, is also one of the most affordable, with median home prices of just over $100,000. Unfortunately, the city’s auto insurance rates don’t fall in line, running above the state average at $827 per year. You can get cheaper insurance at the following companies:

• GEICO
• USAA
• Western National
• Auto Club Group
• State Farm

Types of Auto Insurance Coverage in Wisconsin:

• Comprehensive Insurance Coverage
• Bodily Injury Liability Insurance
• Uninsured/Underinsured Motorist Bodily Injury Insurance
• Uninsured Motorist Property Damage Insurance
• Property Damage Liability Insurance

New Driver Requirements in Wisconsin

A resident in the state of Wisconsin who holds an out of state license just needs to take a vision test in order to apply for a standard Wisconsin driver’s license. However, new drivers who have never had a license before will need to first get an Instruction Permit.

The requirements for the instruction permit include:

The applicant needs to be 15 years and 6 months old.

If the applicant is younger than 18, they will need to enroll in an approved driving class

If the applicant is less than 18 years old, they need to have the consent of a parent to take driving classes.

The applicant needs to pass the knowledge, sign, and vision tests.

Source: Wisconsin Division of Motor Vehicles (DMV),

Cheap Auto Insurance Discounts

At CheapAutoInsurance.co, we have compiled a list of great car insurance discounts to help you save as much as possible on your car insurance premiums. Browse the list of auto insurance discounts below to see which ones are best suited to your circumstances. By applying car insurance discounts, you can end up saving hundreds of dollars each year on the cost of your auto insurance premiums in Wisconsin.

• Anti-theft discount
• Mature driver discount
• Military or Veteran discount
• Bundling insurance policies discount
• Senior citizen discount
• Car safety features discount
• Good student discount
• Defensive driving discount
• Low-mileage discount
• Multi-car auto insurance discount
• Infrequent usage discount

FAQ

General Auto Insurance in Wisconsin

In this section, you will find general questions regarding auto insurance in Wisconsin.

Auto Insurance Coverage in Wisconsin

In this section, you will find frequently asked questions pertaining to auto insurance coverage in Wisconsin.

Cost of Auto Insurance in Wisconsin

In this frequently asked question section, you will find general questions pertaining to the cost of auto insurance in Wisconsin.

Auto Insurance Companies in Wisconsin

In this section, you will find frequently asked questions regarding auto insurance companies in Wisconsin.

No Insurance in Wisconsin

In this frequently asked question section, you will find commonly asked questions regarding having no insurance in Wisconsin.