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Cheapest Car Insurance in Wisconsin (2025)
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Content was accurate at the time of publication.
Best cheap car insurance in Wisconsin
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Find the Cheapest Car Insurance Quotes in Wisconsin
Best full-coverage car insurance in Wisconsin: Erie
Erie has the cheapest full-coverage car insurance rates for Wisconsin drivers at $1,236 a year, or $103 a month. American Family is the state’s second-cheapest company for full coverage at $111 per month.
The full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. rates of Erie and American Family are close, but American Family offers almost twice the car insurance discounts Erie does. This means American Family may be your cheapest choice if you qualify for enough discounts. For example, if you bundle your car insurance with a home insurance policy from American Family, you could save up to 23% on your insurance costs.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Erie | $1,236 |  |
 | American Family | $1,329 | |
| Acuity | Acuity | $1,365 | Not rated |
 | State Farm | $1,419 |  |
 | Progressive | $1,758 | |
 | Geico | $1,809 |  |
 | Allstate | $2,394 |  |
Wisconsin’s cheapest liability-only car insurance: Erie
At $343 a year, or $29 a month, Erie also has the cheapest liability car insurance rates in Wisconsin. American Family is the second-cheapest option at $31 a month.
Erie offers other ways to save besides discounts. It includes first accident forgiveness as part of its standard coverage. There is no surcharge for your first at-fault accident after you’ve been a policyholder for three years. Also, your deductible can be reduced by $100 for each consecutive year you remain claim-free, up to $500.
Drivers in Wisconsin are required to carry at least the state’s minimum car insurance limits, which covers the medical and repair costs of others after you cause an accident.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| Erie | $343 |
| American Family | $368 |
| Progressive | $390 |
| State Farm | $421 |
| Geico | $542 |
| Acuity | $559 |
| Allstate | $1,033 |
Find the Cheapest Car Insurance Quotes in Wisconsin
Cheap auto insurance for Wisconsin teens: Erie
Wisconsin teen drivers get the cheapest car insurance rates with Erie at $764 a year for minimum coverage and $2,871 a year for full coverage.
Because of their lack of experience behind the wheel, car insurance companies charge teens the highest rates for car insurance. Erie offers a few discounts that can help cut down costs. One is a youthful driver discount for drivers under 21 who live at home, and another is a driver training discount if you’re under 21 and have taken an approved driver’s education course.
If you’re looking to get cheap car insurance for a young driver in your home, consider adding them to your current car insurance policy. The premium increase should still be cheaper than if both of you have separate policies if you have clean driving records.
Cheapest companies for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Erie | $764 | $2,871 |
| American Family | $1,006 | $3,075 |
| Progressive | $1,206 | $6,807 |
| Geico | $1,386 | $4,657 |
| State Farm | $1,409 | $4,024 |
| Allstate | $3,216 | $6,490 |
| Acuity | $4,003 | $8,968 |
Cheapest auto insurance after a ticket in Wisconsin: Erie
If you’re looking for cheap car insurance with a speeding ticket in Wisconsin, Erie has the lowest average rate at $1,367 a year, or $114 a month. State Farm is the second-cheapest option at $127 a month.
State Farm offers more discounts than Erie, so make sure you get all you qualify for when you compare car insurance quotes.
Wisconsin drivers see their car insurance rates go up by an average of 26% after a speeding ticket.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Erie | $1,367 |
| State Farm | $1,524 |
| American Family | $1,587 |
| Acuity | $1,919 |
| Geico | $2,531 |
| Progressive | $2,601 |
| Allstate | $2,710 |
Cheap Wisconsin car insurance rates after an accident: State Farm
State Farm has the cheapest car insurance after an accident in Wisconsin at $1,628 a year, or $136 a month. Erie is right behind at $138 a month.
Erie offers travel expenses coverage as part of its standard car insurance policy. This covers travel costs, including meals and lodging, if your car is disabled because of a covered loss.
If you have an accident on your record in Wisconsin, your car insurance rates can increase by 60%.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,628 |
| Erie | $1,651 |
| American Family | $2,243 |
| Acuity | $2,422 |
| Progressive | $2,823 |
| Geico | $3,492 |
| Allstate | $3,781 |
Wisconsin’s cheapest insurance rates for teens with bad driving records: Erie
Erie has the most affordable rates for teen drivers in Wisconsin with a speeding ticket ($888 a year) or an accident ($953 a year) on their records.
American Family has the second-cheapest rate for teens with a ticket at $1,395 a year. For teens with an accident, State Farm has the second-cheapest rate of $1,718 a year.
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Erie | $888 | $953 |
| American Family | $1,395 | $1,858 |
| State Farm | $1,564 | $1,718 |
| Geico | $1,761 | $2,348 |
| Progressive | $2,000 | $2,052 |
| Allstate | $3,772 | $4,180 |
| Acuity | $4,003 | $4,268 |
Find the Cheapest Car Insurance Quotes in Wisconsin
Best car insurance rates in Wisconsin after an OWI: Erie
At $1,934 a year, or $161 a month, Erie has the cheapest car insurance with an OWI in Wisconsin. Progressive is the second-cheapest company for these drivers at $190 a month.
An OWI (operating while intoxicated) conviction in Wisconsin can raise your car insurance by an average of 60%.
Cheapest companies after an OWI
| Company | Annual rate |
|---|---|
| Erie | $1,934 |
| Progressive | $2,277 |
| American Family | $2,427 |
| State Farm | $2,528 |
| Acuity | $2,817 |
| Allstate | $2,968 |
| Geico | $3,186 |
Cheapest car insurance with bad credit in Wisconsin: State Farm
State Farm has the lowest rates for car insurance with bad credit in Wisconsin at $1,465 a year, or $122 a month. Acuity has the next-cheapest rates at $171 a month.
If you’re a driver with poor credit in Wisconsin, you’ll pay around 61% more for car insurance than you would if you had good credit.
Find out your credit score for free at LendingTree Spring before comparing auto insurance quotes.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| State Farm | $1,465 |
| Acuity | $2,051 |
| American Family | $2,369 |
| Geico | $2,746 |
| Erie | $2,842 |
| Progressive | $3,019 |
| Allstate | $3,721 |
Best car insurance companies in Wisconsin
Erie and State Farm are the best car insurance companies in Wisconsin, based on their customer satisfaction and financial strength ratings.
While American Family has the better customer satisfaction rating of the two companies, State Farm has better financial strength.
Wisconsin car insurance company ratings
| Company | J.D. Power* | AM Best | LendingTree |
|---|---|---|---|
| Acuity | Not rated | A+ | Nor rated |
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Erie | 700 | A+ | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
*Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Wisconsin insurance rates by city
Kimberly residents pay the cheapest car insurance rates among Wisconsin cities and towns at $1,302 a year, on average. Brown Deer has the state’s most expensive car insurance rates, averaging $2,258 a year.
The average car insurance rates for Wisconsin’s biggest cities are:
- Milwaukee: $2,156 a year
- Madison: $1,498 a year
- Green Bay: $1,319 a year
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abbotsford | $1,615 | 0% |
| Abrams | $1,554 | -3% |
| Adams | $1,706 | 6% |
| Adell | $1,505 | -6% |
| Afton | $1,466 | -9% |
| Albany | $1,575 | -2% |
| Algoma | $1,445 | -10% |
| Allenton | $1,487 | -8% |
| Allouez | $1,339 | -17% |
| Alma | $1,784 | 11% |
| Alma Center | $1,732 | 8% |
| Almena | $1,767 | 10% |
| Almond | $1,608 | 0% |
| Altoona | $1,472 | -9% |
| Amberg | $1,799 | 12% |
| Amery | $1,812 | 13% |
| Amherst | $1,586 | -1% |
| Amherst Junction | $1,642 | 2% |
| Aniwa | $1,651 | 3% |
| Antigo | $1,651 | 3% |
| Appleton | $1,345 | -16% |
| Arcadia | $1,681 | 5% |
| Arena | $1,636 | 2% |
| Argonne | $1,730 | 8% |
| Argyle | $1,623 | 1% |
| Arkansaw | $1,812 | 13% |
| Arkdale | $1,711 | 6% |
| Arlington | $1,483 | -8% |
| Armstrong Creek | $1,736 | 8% |
| Arpin | $1,589 | -1% |
| Ashland | $1,681 | 5% |
| Ashwaubenon | $1,304 | -19% |
| Athelstane | $1,805 | 12% |
| Athens | $1,620 | 1% |
| Auburndale | $1,527 | -5% |
| Augusta | $1,763 | 10% |
| Avalon | $1,423 | -12% |
| Avoca | $1,653 | 3% |
| Babcock | $1,683 | 5% |
| Bagley | $1,611 | 0% |
| Baileys Harbor | $1,377 | -14% |
| Baldwin | $1,619 | 1% |
| Balsam Lake | $1,859 | 16% |
| Bancroft | $1,559 | -3% |
| Bangor | $1,601 | 0% |
| Baraboo | $1,536 | -4% |
| Barneveld | $1,652 | 3% |
| Barron | $1,771 | 10% |
| Barronett | $1,796 | 12% |
| Bassett | $1,564 | -3% |
| Bay City | $1,689 | 5% |
| Bayfield | $1,722 | 7% |
| Bayside | $1,829 | 14% |
| Bear Creek | $1,613 | 0% |
| Beaver Dam | $1,413 | -12% |
| Beldenville | $1,686 | 5% |
| Belgium | $1,440 | -11% |
| Belleville | $1,498 | -7% |
| Bellevue | $1,328 | -17% |
| Belmont | $1,567 | -3% |
| Beloit | $1,435 | -11% |
| Benet Lake | $1,591 | -1% |
| Benoit | $1,714 | 7% |
| Benton | $1,556 | -3% |
| Berlin | $1,562 | -3% |
| Big Bend | $1,482 | -8% |
| Birchwood | $1,829 | 14% |
| Birnamwood | $1,758 | 9% |
| Biron | $1,533 | -5% |
| Black Creek | $1,486 | -8% |
| Black Earth | $1,466 | -9% |
| Black River Falls | $1,681 | 5% |
| Blair | $1,779 | 11% |
| Blanchardville | $1,703 | 6% |
| Blenker | $1,627 | 1% |
| Bloomer | $1,681 | 4% |
| Bloomington | $1,585 | -1% |
| Blue Mounds | $1,518 | -6% |
| Blue River | $1,664 | 3% |
| Bohners Lake | $1,505 | -6% |
| Bonduel | $1,540 | -4% |
| Boscobel | $1,701 | 6% |
| Boulder Junction | $1,678 | 4% |
| Bowler | $1,714 | 7% |
| Boyceville | $1,764 | 10% |
| Boyd | $1,745 | 9% |
| Brandon | $1,419 | -12% |
| Brantwood | $1,702 | 6% |
| Brice Prairie | $1,433 | -11% |
| Briggsville | $1,702 | 6% |
| Brill | $2,060 | 28% |
| Brillion | $1,389 | -14% |
| Bristol | $1,622 | 1% |
| Brodhead | $1,518 | -6% |
| Brokaw | $1,521 | -5% |
| Brookfield | $1,569 | -2% |
| Brooklyn | $1,475 | -8% |
| Brown Deer | $2,258 | 40% |
| Browns Lake | $1,511 | -6% |
| Brownsville | $1,433 | -11% |
| Browntown | $1,549 | -4% |
| Bruce | $1,818 | 13% |
| Brule | $1,767 | 10% |
| Brussels | $1,436 | -11% |
| Bryant | $1,663 | 3% |
| Burlington | $1,513 | -6% |
| Burnett | $1,417 | -12% |
| Butler | $1,673 | 4% |
| Butte Des Morts | $1,466 | -9% |
| Butternut | $1,733 | 8% |
| Cable | $1,811 | 13% |
| Cadott | $1,684 | 5% |
| Caledonia | $1,613 | 0% |
| Cambria | $1,575 | -2% |
| Cambridge | $1,398 | -13% |
| Cameron | $1,747 | 9% |
| Camp Douglas | $1,678 | 4% |
| Camp Lake | $1,574 | -2% |
| Campbellsport | $1,511 | -6% |
| Caroline | $1,740 | 8% |
| Cascade | $1,512 | -6% |
| Casco | $1,472 | -8% |
| Cashton | $1,683 | 5% |
| Cassville | $1,579 | -2% |
| Cataract | $1,635 | 2% |
| Catawba | $1,745 | 8% |
| Cazenovia | $1,706 | 6% |
| Cecil | $1,573 | -2% |
| Cedar Grove | $1,397 | -13% |
| Cedarburg | $1,487 | -8% |
| Centuria | $1,817 | 13% |
| Chain O' Lakes | $1,574 | -2% |
| Chaseburg | $1,694 | 5% |
| Chenequa | $1,494 | -7% |
| Chetek | $1,773 | 10% |
| Chili | $1,573 | -2% |
| Chilton | $1,387 | -14% |
| Chippewa Falls | $1,487 | -8% |
| Clam Lake | $1,815 | 13% |
| Clayton | $1,858 | 15% |
| Clear Lake | $1,831 | 14% |
| Cleveland | $1,389 | -14% |
| Clinton | $1,451 | -10% |
| Clintonville | $1,649 | 3% |
| Clyman | $1,453 | -10% |
| Cobb | $1,581 | -2% |
| Cochrane | $1,715 | 7% |
| Colby | $1,622 | 1% |
| Coleman | $1,691 | 5% |
| Colfax | $1,722 | 7% |
| Colgate | $1,488 | -8% |
| Collins | $1,432 | -11% |
| Coloma | $1,684 | 5% |
| Columbus | $1,461 | -9% |
| Combined Locks | $1,307 | -19% |
| Como | $1,486 | -8% |
| Comstock | $1,812 | 13% |
| Conover | $1,708 | 6% |
| Conrath | $1,825 | 13% |
| Coon Valley | $1,647 | 2% |
| Cornell | $1,793 | 11% |
| Cornucopia | $1,744 | 8% |
| Cottage Grove | $1,422 | -12% |
| Couderay | $1,807 | 12% |
| Crandon | $1,703 | 6% |
| Crivitz | $1,754 | 9% |
| Cross Plains | $1,448 | -10% |
| Cuba City | $1,535 | -5% |
| Cudahy | $1,635 | 2% |
| Cumberland | $1,806 | 12% |
| Curtiss | $1,663 | 3% |
| Cushing | $1,838 | 14% |
| Custer | $1,604 | 0% |
| Dallas | $1,826 | 14% |
| Dalton | $1,644 | 2% |
| Danbury | $1,858 | 16% |
| Dane | $1,421 | -12% |
| Darien | $1,447 | -10% |
| Darlington | $1,627 | 1% |
| De Pere | $1,321 | -18% |
| De Soto | $1,728 | 7% |
| DeForest | $1,430 | -11% |
| Deer Park | $1,753 | 9% |
| Deerbrook | $1,676 | 4% |
| Deerfield | $1,412 | -12% |
| Delafield | $1,485 | -8% |
| Delavan | $1,446 | -10% |
| Delavan Lake | $1,446 | -10% |
| Dellwood | $1,698 | 6% |
| Delwood | $1,702 | 6% |
| Denmark | $1,399 | -13% |
| Dickeyville | $1,583 | -2% |
| Dodge | $1,679 | 4% |
| Dodgeville | $1,582 | -2% |
| Dorchester | $1,654 | 3% |
| Dousman | $1,521 | -5% |
| Downing | $1,778 | 11% |
| Downsville | $1,655 | 3% |
| Doylestown | $1,494 | -7% |
| Dresser | $1,838 | 14% |
| Drummond | $1,829 | 14% |
| Dunbar | $1,743 | 8% |
| Durand | $1,794 | 12% |
| Eagle | $1,491 | -7% |
| Eagle Lake | $1,550 | -4% |
| Eagle River | $1,705 | 6% |
| East Ellsworth | $1,770 | 10% |
| East Troy | $1,506 | -6% |
| Eastman | $1,718 | 7% |
| Eau Claire | $1,473 | -8% |
| Eau Galle | $1,731 | 8% |
| Eden | $1,474 | -8% |
| Edgar | $1,592 | -1% |
| Edgerton | $1,448 | -10% |
| Edmund | $1,559 | -3% |
| Egg Harbor | $1,366 | -15% |
| Eland | $1,768 | 10% |
| Elcho | $1,693 | 5% |
| Eldorado | $1,453 | -10% |
| Eleva | $1,682 | 5% |
| Elk Mound | $1,593 | -1% |
| Elkhart Lake | $1,418 | -12% |
| Elkhorn | $1,483 | -8% |
| Ellison Bay | $1,401 | -13% |
| Ellsworth | $1,673 | 4% |
| Elm Grove | $1,568 | -3% |
| Elmwood | $1,760 | 9% |
| Elmwood Park | $1,692 | 5% |
| Elroy | $1,681 | 5% |
| Elton | $1,692 | 5% |
| Embarrass | $1,630 | 1% |
| Endeavor | $1,696 | 5% |
| Ephraim | $1,409 | -12% |
| Ettrick | $1,730 | 8% |
| Evansville | $1,482 | -8% |
| Exeland | $1,862 | 16% |
| Fairchild | $1,775 | 10% |
| Fairwater | $1,451 | -10% |
| Fall Creek | $1,654 | 3% |
| Fall River | $1,470 | -9% |
| Fence | $1,768 | 10% |
| Fennimore | $1,626 | 1% |
| Ferryville | $1,756 | 9% |
| Fifield | $1,660 | 3% |
| Fish Creek | $1,376 | -14% |
| Fitchburg | $1,479 | -8% |
| Florence | $1,764 | 10% |
| Fond du Lac | $1,381 | -14% |
| Fontana | $1,463 | -9% |
| Fontana-on-Geneva Lake | $1,473 | -8% |
| Footville | $1,448 | -10% |
| Forest Junction | $1,377 | -14% |
| Forestville | $1,435 | -11% |
| Fort Atkinson | $1,403 | -13% |
| Fountain City | $1,685 | 5% |
| Fox Lake | $1,397 | -13% |
| Fox Point | $1,828 | 14% |
| Foxboro | $1,734 | 8% |
| Francis Creek | $1,443 | -10% |
| Franklin | $1,582 | -2% |
| Franksville | $1,548 | -4% |
| Frederic | $1,901 | 18% |
| Fredonia | $1,470 | -9% |
| Fremont | $1,564 | -3% |
| French Island | $1,484 | -8% |
| Friendship | $1,698 | 6% |
| Friesland | $1,572 | -2% |
| Galesville | $1,627 | 1% |
| Galloway | $1,997 | 24% |
| Gays Mills | $1,780 | 11% |
| Genesee Depot | $1,509 | -6% |
| Genoa | $1,689 | 5% |
| Genoa City | $1,490 | -7% |
| Germantown | $1,496 | -7% |
| Gile | $1,767 | 10% |
| Gillett | $1,617 | 1% |
| Gilman | $1,805 | 12% |
| Gilmanton | $1,725 | 7% |
| Gleason | $1,659 | 3% |
| Glen Flora | $1,874 | 17% |
| Glen Haven | $1,608 | 0% |
| Glenbeulah | $1,462 | -9% |
| Glendale | $2,240 | 39% |
| Glenwood City | $1,720 | 7% |
| Glidden | $1,707 | 6% |
| Goodman | $1,705 | 6% |
| Gordon | $1,806 | 12% |
| Gotham | $1,670 | 4% |
| Grafton | $1,460 | -9% |
| Grand Marsh | $1,734 | 8% |
| Grand View | $1,809 | 12% |
| Granton | $1,624 | 1% |
| Grantsburg | $1,840 | 14% |
| Gratiot | $1,595 | -1% |
| Green Bay | $1,319 | -18% |
| Green Lake | $1,560 | -3% |
| Green Valley | $1,668 | 4% |
| Greendale | $1,593 | -1% |
| Greenfield | $1,773 | 10% |
| Greenleaf | $1,409 | -12% |
| Greenville | $1,373 | -15% |
| Greenwood | $1,690 | 5% |
| Gresham | $1,651 | 3% |
| Hager City | $1,619 | 1% |
| Hales Corners | $1,575 | -2% |
| Hammond | $1,621 | 1% |
| Hancock | $1,694 | 5% |
| Hannibal | $2,017 | 25% |
| Hanover | $1,447 | -10% |
| Harshaw | $1,672 | 4% |
| Hartford | $1,508 | -6% |
| Hartland | $1,500 | -7% |
| Hatley | $1,692 | 5% |
| Haugen | $1,768 | 10% |
| Hawkins | $1,786 | 11% |
| Hayward | $1,844 | 15% |
| Hazel Green | $1,548 | -4% |
| Hazelhurst | $1,645 | 2% |
| Heafford Junction | $2,006 | 25% |
| Helenville | $1,453 | -10% |
| Herbster | $1,812 | 13% |
| Hertel | $1,916 | 19% |
| Hewitt | $1,528 | -5% |
| High Bridge | $1,745 | 8% |
| Highland | $1,629 | 1% |
| Hilbert | $1,395 | -13% |
| Hillpoint | $1,664 | 3% |
| Hillsboro | $1,759 | 9% |
| Hingham | $1,390 | -14% |
| Hixton | $1,751 | 9% |
| Hobart | $1,339 | -17% |
| Holcombe | $1,817 | 13% |
| Hollandale | $1,672 | 4% |
| Holmen | $1,458 | -9% |
| Horicon | $1,440 | -10% |
| Hortonville | $1,422 | -12% |
| Houlton | $1,630 | 1% |
| Howard | $1,324 | -18% |
| Howards Grove | $1,378 | -14% |
| Hubertus | $1,507 | -6% |
| Hudson | $1,601 | 0% |
| Humbird | $1,717 | 7% |
| Hurley | $1,751 | 9% |
| Hustisford | $1,471 | -9% |
| Hustler | $1,728 | 7% |
| Independence | $1,777 | 10% |
| Iola | $1,743 | 8% |
| Irma | $1,656 | 3% |
| Iron Belt | $1,736 | 8% |
| Iron Ridge | $1,461 | -9% |
| Iron River | $1,821 | 13% |
| Ixonia | $1,428 | -11% |
| Jackson | $1,484 | -8% |
| Janesville | $1,450 | -10% |
| Jefferson | $1,367 | -15% |
| Jim Falls | $1,617 | 1% |
| Johnson Creek | $1,364 | -15% |
| Juda | $1,504 | -7% |
| Jump River | $2,017 | 25% |
| Junction City | $1,582 | -2% |
| Juneau | $1,434 | -11% |
| Kansasville | $1,554 | -3% |
| Kaukauna | $1,316 | -18% |
| Kellnersville | $1,467 | -9% |
| Kendall | $1,676 | 4% |
| Kennan | $1,740 | 8% |
| Kenosha | $1,661 | 3% |
| Keshena | $1,616 | 0% |
| Kewaskum | $1,500 | -7% |
| Kewaunee | $1,457 | -9% |
| Kiel | $1,415 | -12% |
| Kieler | $1,565 | -3% |
| Kimberly | $1,302 | -19% |
| King | $1,587 | -1% |
| Knapp | $1,738 | 8% |
| Knowlton | $1,537 | -4% |
| Kohler | $1,379 | -14% |
| Krakow | $1,553 | -3% |
| Kronenwetter | $1,532 | -5% |
| La Crosse | $1,502 | -7% |
| La Farge | $1,765 | 10% |
| La Pointe | $1,679 | 4% |
| La Valle | $1,667 | 4% |
| Lac du Flambeau | $1,644 | 2% |
| Ladysmith | $1,776 | 10% |
| Lake Arrowhead | $1,643 | 2% |
| Lake Delton | $1,577 | -2% |
| Lake Geneva | $1,483 | -8% |
| Lake Hallie | $1,477 | -8% |
| Lake Koshkonong | $1,406 | -13% |
| Lake Lorraine | $1,451 | -10% |
| Lake Mills | $1,396 | -13% |
| Lake Nebagamon | $1,769 | 10% |
| Lake Ripley | $1,387 | -14% |
| Lake Tomahawk | $1,646 | 2% |
| Lake Wazeecha | $1,533 | -5% |
| Lake Wisconsin | $1,492 | -7% |
| Lake Wissota | $1,491 | -7% |
| Lakewood | $1,677 | 4% |
| Lancaster | $1,551 | -4% |
| Land O Lakes | $1,739 | 8% |
| Lannon | $1,485 | -8% |
| Laona | $1,738 | 8% |
| Larsen | $1,414 | -12% |
| Lauderdale Lakes | $1,475 | -8% |
| Legend Lake | $1,615 | 0% |
| Lena | $1,631 | 1% |
| Leopolis | $1,646 | 2% |
| Lime Ridge | $1,656 | 3% |
| Linden | $1,572 | -2% |
| Little Chute | $1,316 | -18% |
| Little Round Lake | $1,844 | 15% |
| Little Suamico | $1,516 | -6% |
| Livingston | $1,586 | -1% |
| Lodi | $1,481 | -8% |
| Loganville | $1,637 | 2% |
| Lomira | $1,452 | -10% |
| Lone Rock | $1,688 | 5% |
| Long Lake | $1,706 | 6% |
| Lowell | $1,442 | -10% |
| Loyal | $1,657 | 3% |
| Lublin | $1,763 | 10% |
| Luck | $1,876 | 17% |
| Luxemburg | $1,450 | -10% |
| Lyndon Station | $1,669 | 4% |
| Madison | $1,498 | -7% |
| Maiden Rock | $1,743 | 8% |
| Malone | $1,403 | -13% |
| Manawa | $1,677 | 4% |
| Manitowish Waters | $1,668 | 4% |
| Manitowoc | $1,401 | -13% |
| Maple | $1,779 | 11% |
| Maple Bluff | $1,513 | -6% |
| Maplewood | $1,794 | 12% |
| Marathon | $1,498 | -7% |
| Marathon City | $1,502 | -7% |
| Marengo | $1,724 | 7% |
| Maribel | $1,425 | -11% |
| Marinette | $1,598 | -1% |
| Marion | $1,727 | 7% |
| Markesan | $1,553 | -3% |
| Marshall | $1,430 | -11% |
| Marshfield | $1,556 | -3% |
| Mason | $1,808 | 12% |
| Mather | $1,736 | 8% |
| Mattoon | $1,659 | 3% |
| Mauston | $1,636 | 2% |
| Mayville | $1,448 | -10% |
| Mazomanie | $1,472 | -8% |
| Mc Naughton | $1,657 | 3% |
| McFarland | $1,449 | -10% |
| Medford | $1,708 | 6% |
| Mellen | $1,711 | 6% |
| Melrose | $1,769 | 10% |
| Menasha | $1,324 | -18% |
| Menomonee Falls | $1,515 | -6% |
| Menomonie | $1,676 | 4% |
| Mequon | $1,598 | -1% |
| Mercer | $1,749 | 9% |
| Merrill | $1,571 | -2% |
| Merrillan | $1,764 | 10% |
| Merrimac | $1,564 | -3% |
| Merton | $1,504 | -7% |
| Middleton | $1,473 | -8% |
| Mikana | $1,778 | 11% |
| Milladore | $1,596 | -1% |
| Millston | $1,684 | 5% |
| Milltown | $1,829 | 14% |
| Milton | $1,436 | -11% |
| Milwaukee | $2,156 | 34% |
| Mindoro | $1,656 | 3% |
| Mineral Point | $1,606 | 0% |
| Minocqua | $1,607 | 0% |
| Minong | $1,865 | 16% |
| Mishicot | $1,411 | -12% |
| Mondovi | $1,743 | 8% |
| Monona | $1,462 | -9% |
| Monroe | $1,531 | -5% |
| Montello | $1,722 | 7% |
| Montfort | $1,589 | -1% |
| Monticello | $1,583 | -2% |
| Montreal | $1,748 | 9% |
| Morrisonville | $1,460 | -9% |
| Mosinee | $1,532 | -5% |
| Mount Calvary | $1,432 | -11% |
| Mount Hope | $1,633 | 2% |
| Mount Horeb | $1,481 | -8% |
| Mount Pleasant | $1,651 | 3% |
| Mount Sterling | $1,673 | 4% |
| Mountain | $1,684 | 5% |
| Mukwonago | $1,491 | -7% |
| Muscoda | $1,671 | 4% |
| Muskego | $1,469 | -9% |
| Nashotah | $1,486 | -8% |
| Necedah | $1,677 | 4% |
| Neenah | $1,319 | -18% |
| Neillsville | $1,667 | 4% |
| Nekoosa | $1,603 | 0% |
| Nelson | $1,850 | 15% |
| Nelsonville | $1,650 | 3% |
| Neopit | $1,677 | 4% |
| Neosho | $1,487 | -8% |
| Neshkoro | $1,722 | 7% |
| New Auburn | $1,772 | 10% |
| New Berlin | $1,486 | -8% |
| New Franken | $1,403 | -13% |
| New Glarus | $1,611 | 0% |
| New Holstein | $1,400 | -13% |
| New Lisbon | $1,641 | 2% |
| New London | $1,553 | -3% |
| New Munster | $1,547 | -4% |
| New Post | $1,839 | 14% |
| New Richmond | $1,637 | 2% |
| Newburg | $1,455 | -10% |
| Newton | $1,429 | -11% |
| Niagara | $1,748 | 9% |
| Nichols | $1,485 | -8% |
| North Fond du Lac | $1,382 | -14% |
| North Freedom | $1,544 | -4% |
| North Hudson | $1,599 | -1% |
| North Lake | $1,500 | -7% |
| North Prairie | $1,530 | -5% |
| Norwalk | $1,655 | 3% |
| Oak Creek | $1,611 | 0% |
| Oakfield | $1,410 | -12% |
| Oconomowoc | $1,475 | -8% |
| Oconomowoc Lake | $1,491 | -7% |
| Oconto | $1,586 | -1% |
| Oconto Falls | $1,582 | -2% |
| Odanah | $1,688 | 5% |
| Ogdensburg | $1,704 | 6% |
| Ogema | $1,746 | 9% |
| Ojibwa | $1,817 | 13% |
| Okauchee | $1,501 | -7% |
| Okauchee Lake | $1,494 | -7% |
| Omro | $1,451 | -10% |
| Onalaska | $1,433 | -11% |
| Oneida | $1,414 | -12% |
| Ontario | $1,713 | 6% |
| Oostburg | $1,365 | -15% |
| Oregon | $1,459 | -9% |
| Orfordville | $1,438 | -11% |
| Osceola | $1,803 | 12% |
| Oshkosh | $1,363 | -15% |
| Osseo | $1,740 | 8% |
| Owen | $1,680 | 4% |
| Oxford | $1,756 | 9% |
| Paddock Lake | $1,580 | -2% |
| Palmyra | $1,481 | -8% |
| Pardeeville | $1,542 | -4% |
| Park Falls | $1,679 | 4% |
| Park Ridge | $1,488 | -7% |
| Pearson | $1,692 | 5% |
| Pelican Lake | $1,699 | 6% |
| Pell Lake | $1,491 | -7% |
| Pembine | $1,782 | 11% |
| Pepin | $1,846 | 15% |
| Peshtigo | $1,638 | 2% |
| Pewaukee | $1,482 | -8% |
| Phelps | $1,743 | 8% |
| Phillips | $1,675 | 4% |
| Phlox | $1,650 | 3% |
| Pickerel | $1,696 | 5% |
| Pickett | $1,398 | -13% |
| Pigeon Falls | $1,726 | 7% |
| Pine River | $1,667 | 4% |
| Pittsville | $1,591 | -1% |
| Plain | $1,673 | 4% |
| Plainfield | $1,640 | 2% |
| Platteville | $1,539 | -4% |
| Pleasant Prairie | $1,682 | 5% |
| Plover | $1,499 | -7% |
| Plum City | $1,751 | 9% |
| Plymouth | $1,401 | -13% |
| Poplar | $1,746 | 9% |
| Port Edwards | $1,572 | -2% |
| Port Washington | $1,428 | -11% |
| Port Wing | $1,824 | 13% |
| Portage | $1,517 | -6% |
| Porterfield | $1,664 | 3% |
| Post Lake | $1,695 | 5% |
| Potosi | $1,566 | -3% |
| Potter | $1,428 | -11% |
| Potter Lake | $1,500 | -7% |
| Pound | $1,707 | 6% |
| Powers Lake | $1,524 | -5% |
| Poy Sippi | $1,700 | 6% |
| Poynette | $1,507 | -6% |
| Prairie Du Chien | $1,572 | -2% |
| Prairie Farm | $1,888 | 17% |
| Prairie du Sac | $1,556 | -3% |
| Prentice | $1,712 | 6% |
| Prescott | $1,578 | -2% |
| Presque Isle | $1,741 | 8% |
| Princeton | $1,617 | 0% |
| Pulaski | $1,424 | -11% |
| Racine | $1,672 | 4% |
| Radisson | $1,854 | 15% |
| Randolph | $1,438 | -11% |
| Random Lake | $1,469 | -9% |
| Readfield | $1,601 | 0% |
| Readstown | $1,781 | 11% |
| Redgranite | $1,700 | 6% |
| Reedsburg | $1,581 | -2% |
| Reedsville | $1,434 | -11% |
| Reeseville | $1,458 | -9% |
| Rewey | $1,578 | -2% |
| Rhinelander | $1,633 | 2% |
| Rib Lake | $1,714 | 7% |
| Rib Mountain | $1,435 | -11% |
| Rice Lake | $1,756 | 9% |
| Richfield | $1,485 | -8% |
| Richland Center | $1,712 | 6% |
| Ridgeland | $1,799 | 12% |
| Ridgeway | $1,628 | 1% |
| Ringle | $1,544 | -4% |
| Rio | $1,514 | -6% |
| Ripon | $1,446 | -10% |
| River Falls | $1,598 | -1% |
| River Hills | $1,830 | 14% |
| Roberts | $1,580 | -2% |
| Rochester | $1,507 | -6% |
| Rock Springs | $1,589 | -1% |
| Rockland | $1,626 | 1% |
| Rosendale | $1,424 | -11% |
| Rosholt | $1,667 | 4% |
| Rothschild | $1,434 | -11% |
| Rubicon | $1,497 | -7% |
| Rudolph | $1,538 | -4% |
| Salem | $1,580 | -2% |
| Sandy Hook | $1,548 | -4% |
| Sarona | $1,870 | 16% |
| Sauk City | $1,490 | -7% |
| Saukville | $1,445 | -10% |
| Saxon | $1,788 | 11% |
| Sayner | $1,712 | 6% |
| Scandinavia | $1,659 | 3% |
| Schofield | $1,437 | -11% |
| Sextonville | $1,621 | 1% |
| Seymour | $1,453 | -10% |
| Sharon | $1,450 | -10% |
| Shawano | $1,541 | -4% |
| Sheboygan | $1,376 | -14% |
| Sheboygan Falls | $1,363 | -15% |
| Sheldon | $1,885 | 17% |
| Shell Lake | $1,885 | 17% |
| Sherwood | $1,389 | -14% |
| Shiocton | $1,550 | -4% |
| Shorewood | $1,895 | 18% |
| Shorewood Hills | $1,481 | -8% |
| Shullsburg | $1,571 | -2% |
| Silver Lake | $1,564 | -3% |
| Sinsinawa | $1,571 | -2% |
| Siren | $1,870 | 16% |
| Sister Bay | $1,378 | -14% |
| Slinger | $1,467 | -9% |
| Sobieski | $1,522 | -5% |
| Soldiers Grove | $1,768 | 10% |
| Solon Springs | $1,766 | 10% |
| Somerset | $1,646 | 2% |
| South Milwaukee | $1,606 | 0% |
| South Range | $1,693 | 5% |
| South Wayne | $1,591 | -1% |
| Sparta | $1,608 | 0% |
| Spencer | $1,566 | -3% |
| Spooner | $1,886 | 17% |
| Spring Green | $1,641 | 2% |
| Spring Valley | $1,694 | 5% |
| Springbrook | $1,868 | 16% |
| St. Cloud | $1,436 | -11% |
| St. Croix Falls | $1,846 | 15% |
| St. Francis | $1,788 | 11% |
| St. Germain | $1,692 | 5% |
| St. Nazianz | $1,435 | -11% |
| St. Peter | $1,378 | -14% |
| Stanley | $1,760 | 9% |
| Star Lake | $1,761 | 9% |
| Star Prairie | $1,810 | 13% |
| Stetsonville | $1,671 | 4% |
| Steuben | $1,717 | 7% |
| Stevens Point | $1,496 | -7% |
| Stitzer | $1,588 | -1% |
| Stockholm | $1,801 | 12% |
| Stoddard | $1,640 | 2% |
| Stone Lake | $1,856 | 15% |
| Stoughton | $1,402 | -13% |
| Stratford | $1,579 | -2% |
| Strum | $1,749 | 9% |
| Sturgeon Bay | $1,372 | -15% |
| Sturtevant | $1,618 | 1% |
| Suamico | $1,325 | -18% |
| Sullivan | $1,457 | -9% |
| Summit Lake | $1,690 | 5% |
| Sun Prairie | $1,445 | -10% |
| Superior | $1,618 | 1% |
| Suring | $1,650 | 3% |
| Sussex | $1,471 | -9% |
| Tainter Lake | $1,724 | 7% |
| Taylor | $1,773 | 10% |
| Theresa | $1,455 | -10% |
| Thiensville | $1,610 | 0% |
| Thorp | $1,710 | 6% |
| Three Lakes | $1,683 | 5% |
| Tichigan | $1,521 | -5% |
| Tigerton | $1,791 | 11% |
| Tilleda | $1,644 | 2% |
| Tisch Mills | $1,823 | 13% |
| Tomah | $1,595 | -1% |
| Tomahawk | $1,648 | 2% |
| Tony | $1,798 | 12% |
| Townsend | $1,647 | 2% |
| Trego | $1,893 | 18% |
| Trempealeau | $1,634 | 2% |
| Trevor | $1,574 | -2% |
| Tripoli | $1,697 | 6% |
| Tunnel City | $1,630 | 1% |
| Turtle Lake | $1,844 | 15% |
| Twin Lakes | $1,542 | -4% |
| Two Rivers | $1,414 | -12% |
| Union Center | $1,673 | 4% |
| Union Grove | $1,565 | -3% |
| Unity | $1,604 | 0% |
| Upson | $1,755 | 9% |
| Valders | $1,414 | -12% |
| Van Dyne | $1,407 | -13% |
| Verona | $1,446 | -10% |
| Vesper | $1,653 | 3% |
| Viola | $1,745 | 8% |
| Viroqua | $1,737 | 8% |
| Wabeno | $1,751 | 9% |
| Waldo | $1,441 | -10% |
| Wales | $1,474 | -8% |
| Walworth | $1,456 | -9% |
| Warrens | $1,665 | 3% |
| Washburn | $1,713 | 7% |
| Washington Island | $1,392 | -13% |
| Waterford | $1,516 | -6% |
| Waterloo | $1,423 | -12% |
| Watertown | $1,434 | -11% |
| Waukau | $1,471 | -9% |
| Waukesha | $1,478 | -8% |
| Waunakee | $1,426 | -11% |
| Waupaca | $1,568 | -3% |
| Waupun | $1,424 | -11% |
| Wausau | $1,461 | -9% |
| Wausaukee | $1,796 | 12% |
| Wautoma | $1,683 | 5% |
| Wauwatosa | $2,066 | 28% |
| Wauzeka | $1,700 | 6% |
| Webster | $1,890 | 17% |
| West Allis | $1,823 | 13% |
| West Baraboo | $1,531 | -5% |
| West Bend | $1,479 | -8% |
| West Milwaukee | $1,946 | 21% |
| West Salem | $1,470 | -9% |
| Westboro | $1,732 | 8% |
| Westby | $1,687 | 5% |
| Westfield | $1,692 | 5% |
| Weston | $1,431 | -11% |
| Weyauwega | $1,601 | 0% |
| Weyerhaeuser | $1,808 | 12% |
| Wheeler | $1,799 | 12% |
| White Lake | $1,689 | 5% |
| Whitefish Bay | $1,876 | 17% |
| Whitehall | $1,730 | 8% |
| Whitelaw | $1,442 | -10% |
| Whitewater | $1,448 | -10% |
| Whiting | $1,488 | -7% |
| Wild Rose | $1,683 | 5% |
| Willard | $1,719 | 7% |
| Williams Bay | $1,466 | -9% |
| Wilmot | $1,562 | -3% |
| Wilson | $1,674 | 4% |
| Wilton | $1,660 | 3% |
| Wind Lake | $1,510 | -6% |
| Wind Point | $1,663 | 3% |
| Windsor | $1,432 | -11% |
| Winnebago | $1,385 | -14% |
| Winneconne | $1,449 | -10% |
| Winter | $1,830 | 14% |
| Wisconsin Dells | $1,589 | -1% |
| Wisconsin Rapids | $1,562 | -3% |
| Withee | $1,701 | 6% |
| Wittenberg | $1,784 | 11% |
| Wonewoc | $1,700 | 6% |
| Woodford | $1,601 | 0% |
| Woodland | $1,478 | -8% |
| Woodman | $1,652 | 3% |
| Woodruff | $1,609 | 0% |
| Woodville | $1,633 | 1% |
| Woodworth | $1,616 | 0% |
| Wrightstown | $1,383 | -14% |
| Wyocena | $1,543 | -4% |
| Zachow | $1,612 | 0% |
| Zenda | $1,482 | -8% |
Minimum coverage for car insurance in Wisconsin
Wisconsin drivers are required to have at least 25/50/10 car insurance limits:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $10,000 of property damage coverage
These limits may seem high, but they probably won’t cover an extended hospital stay or legal case tied to an accident. You’ll need to pay any claims-related costs out of your own pocket after you hit your limits. Avoid this by raising your liability limits.
Car insurance laws in Wisconsin
If you can’t get Wisconsin’s minimum car insurance from a standard or high-risk car insurance company, contact the Wisconsin Automobile Insurance Plan (WAIP).
The WAIP plan only covers bodily injury, property damage, uninsured motorist, underinsured motorist and medical payments.
Frequently asked questions
Full-coverage car insurance in Wisconsin costs an average of $1,615 a year, or $135 a month. Liability car insurance costs $522 a year, or $44 a month.
Wisconsin is an at-fault state, meaning that if you cause an accident, you have to pay medical and repair bills related to it.