Cheapest and Best Car Insurance in Wisconsin as Rated by Customers in 2023
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? 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.
In the table 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.
On this page:
- Who offers the cheapest teen car insurance rates in Wisconsin?
- Who offers the cheapest auto insurance rates for a married couple in Wisconsin?
- Who offers the cheapest senior car insurance rates in Wisconsin?
- 10 Cheapest areas in Wisconsin for car insurance
- 10 Most expensive areas in Wisconsin for car insurance
- Minimum auto insurance coverage and limits in Wisconsin
Wisconsin’s uninsured motorists percentage
Who offers the cheapest teen car insurance rates in Wisconsin?
Among these most popular companies in Wisconsin, State Farm is the cheapest car insurance option for both male and female teen drivers on average. Teen drivers face higher rates due mostly to inexperience. But State Farm 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.
| Company | Female teen rates | Male teen rates |
|---|---|---|
| Acuity, a Mutual Insurance Company | $2,183 | $2,181 |
| Allstate Insurance | $1,429 | $1,904 |
| American Family Insurance | $1,172 | $1,210 |
| Progressive | $1,506 | $1,654 |
| State Farm Insurance Company | $842 | $989 |
These rates are based on profiles for 18-year-old male and female drivers in Wisconsin. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest auto insurance rates for a married couple in Wisconsin?
American Family offers the cheapest car insurance rates for married couples in Wisconsin on average when compared with the largest car insurers in the state. The table below displays average Wisconsin auto insurance rates for married couples with two cars on a policy from the five most popular companies in the state. These rates are typically associated with clean driving records. A clean record gets you off to the right start. When combined with all available discounts, you can get lower rates.
| Company | Married couple rates |
|---|---|
| Acuity, a Mutual Insurance Company | $1,510 |
| Allstate Insurance | $1,651 |
| American Family Insurance | $1,026 |
| Progressive | $1,782 |
| State Farm Insurance Company | $1,358 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest senior car insurance rates in Wisconsin?
Among the five largest companies in the state, American Family provides the cheapest car insurance rates in Wisconsin for male and female senior drivers on average. 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. These are based on sample quotes. You can get the most accurate numbers by getting quotes.
| Company | Female senior rates | Male senior rates |
|---|---|---|
| Acuity, a Mutual Insurance Company | $894 | $826 |
| Allstate Insurance | $1,032 | $1,126 |
| American Family Insurance | $618 | $617 |
| Progressive | $875 | $904 |
| State Farm Insurance Company | $654 | $654 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.
What are the 10 cheapest areas 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 zip code. The cheapest area in Wisconsin for car insurance on average is Sheboygan Falls. In the table below, you can see the top 10 cheapest areas in Wisconsin for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Sheboygan Falls | $894 |
| Sheboygan | $900 |
| Neenah | $900 |
| Kohler | $902 |
| Oostburg | $904 |
| Kimberly | $910 |
| Cedar Grove | $914 |
| Green Bay | $917 |
| Plymouth | $917 |
| Menasha | $918 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.
What are the 10 most expensive areas in Wisconsin for car insurance?
Since different areas 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 area in Wisconsin for car insurance is Brill. The table below displays the top 10 most expensive areas 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.
| Area | Car insurance rates |
|---|---|
| Brill | $1,445 |
| Jump River | $1,407 |
| Hannibal | $1,395 |
| Galloway | $1,387 |
| Heafford Junction | $1,382 |
| Milwaukee | $1,377 |
| Mikana | $1,272 |
| Maplewood | $1,264 |
| Hertel | $1,240 |
| Spooner | $1,229 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.
What are the minimum car insurance coverage and limits in Wisconsin?
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 insurance, medical payments and roadside assistance when selecting your policy.
Wisconsin state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $10,000 per accident
Bodily injury caused by an uninsured motorist:
- $25,000 per person
- $50,000 per accident
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’s 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. In Wisconsin, 14.3 percent of drivers don’t have insurance, according to 2015 data from the Insurance Information Institute.
How auto insurance rates are calculated in Wisconsin
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:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
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, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
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 money on your auto insurance in Wisconsin
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. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
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
- Monitor price changes to your policy
- Shop for better insurance rates
How Clearsurance rates and ranks the best car insurance companies in Wisconsin
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 vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car insurance guide
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 car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Wisconsin?
Among these most popular companies in Wisconsin, State Farm is the cheapest car insurance option for both male and female teen drivers on average.
Who offers the cheapest auto insurance rates for a married couple in Wisconsin?
American Family offers the cheapest car insurance rates for married couples in Wisconsin on average when compared with the largest car insurers in the state.
Who offers the cheapest senior car insurance rates in Wisconsin?
Among the five largest companies in the state, American Family provides the cheapest car insurance rates in Wisconsin for male and female senior drivers on average.