The best cheap car insurance in Wisconsin

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Car insurance is affordable for Wisconsin drivers. The average driver pays $856 a year, less than the national average according to the Insurance Information Institute. But, that's not to say that there aren't still some ways to save if you're willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Wisconsin. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.

The most popular car insurance companies in Wisconsin 

The following are the most popular car insurance companies in Wisconsin, based on the percentage of insured Wisconsin drivers who use them:

CompaniesMarket share (%)
Progressive19.77
American Family Insurance18.56
State Farm13.77
GEICO4.83
Allstate4.53
Erie Insurance3.66
ACUITY Mutual Insurance3.25
West Bend Mutual Insurance3.01
USAA*2.60
Liberty Mutual2.39
Auto-Owners Insurance2.03
Farmers Insurance1.94
Auto Club Insurance1.51
SECURA Insurance1.37
Grange Insurance1.34
Wisconsin Mutual Insurance1.29
Rural Mutual Insurance1.20
MetLife0.86
Travelers0.84
The Hanover Insurance Group0.79

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

The best car insurance in Wisconsin based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the North Central region (which includes Wisconsin):

  1. GEICO
  2. Indiana Farm Bureau
  3. Erie Insurance
  4. Auto-Owners Insurance
  5. Country Financial
  6. Westfield
  7. Grange Insurance
  8. Farmers 
  9. Allstate
  10. Region Average
  11. State Farm
  12. Nationwide
  13. Travelers
  14. American Family
  15. Progressive

The best cheap car insurance in Wisconsin based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Drivers with excellent credit, FICO score 800-850, will see some of the best average rates on car insurance.

  • USAA car insurance: $468 per year
  • Mid-Century car insurance: $686 per year
  • State Farm car insurance: $854 per year

Drivers with good credit, FICO score 670-739, will see the best coverage from these three companies, on average:

  • USAA car insurance: $538 per year
  • Mid-Century car insurance: $839 per year
  • American Family car insurance: $952 per year

Those with poor credit, FICO score 300-579, will pay more for their car insurance, on average.

  • USAA car insurance: $1,296 per year
  • Mid-Century car insurance: $1,427 per year
  • American Family car insurance: $1,731 per year

The best car insurance for drivers with a clean record

For a driver in Wisconsin age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
State Farm$95
Liberty Mutual$110
Progressive$112
GEICO$121
Allstate$128
Esurance$134
Travelers$146
USAA*$148
American Family$179

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,240 policyholders in the state of Wisconsin 

Best car insurance for one or more accidents on record

For a driver in Wisconsin age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

CompanyAverage monthly insurance premium 
GEICO$98
Allstate$136
Progressive$138
Esurance$168

Above data obtained from Savvy, based on 1,240 policyholders in the state of Wisconsin 

Wisconsin car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Wisconsin's most populous cities:

CityAverage annual insurance premium 
Milwaukee$1,124
Madison$1,257
Green Bay$1,169
Kenosha$1,227
Racine$1,123
Appleton$1,246
Waukesha$1,265
Eau Claire$1,151
Oshkosh$1,197
Janesville$1,208
West Allis$1,172
La Crosse$1,154
Sheboygan$1,183
Wauwatosa$1,309
Fond du Lac$1,202
New Berlin$1,333
Wausau$1,162
Franklin$1,343
Brookfield$1,416
Menomonee Falls$1,342
Beloit$1,138
Greenfield$1,204
Oak Creek$1,319
Sun Prairie$1,329
Manitowoc$1,159
West Bend$1,240
Fitchburg$1,311
Mount Pleasant$1,238
Stevens Point$1,170
Neenah$1,283
Superior$1,142
Caledonia$1,260
Muskego$1,383
De Pere$1,297
Mequon$1,435
Watertown$1,168
Pleasant Prairie$1,376
Middleton$1,361
South Milwaukee$1,220
Germantown$1,371

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in Wisconsin?

As the data above shows, your credit score is one of the bigger influences on the price you'll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it's critical to shop around. 

If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Wisconsin is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

Ronda Lee is an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. She is also a licensed attorney who practiced litigation and insurance defense.

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