Cheap Auto Insurance in Wisconsin — Compare & Save Up to 40%

Average Wisconsin driver pays $132/mo for full coverage. The cheapest carrier is GEICO at $100/mo. Compare 5+ companies in 90 seconds.

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Cheapest Auto Insurance Companies in Wisconsin (2026)

We compared full coverage rates from the top auto insurance companies in Wisconsin. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$600	$100/mo
Rural Mutual	$630	$105/mo
Progressive	$672	$112/mo
American Family	$708	$118/mo
State Farm	$738	$123/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Wisconsin Auto Insurance

Wisconsin requires minimum liability coverage of 25/50/10.
The average full-coverage premium in Wisconsin is $1,580/year.
Wisconsin uses a at-fault/tort insurance system.
Approximately 10% of Wisconsin drivers are uninsured.
Wisconsin drivers face weather-related risks including blizzards, severe thunderstorms, tornadoes, ice, lake-effect snow.
Liability-only coverage in Wisconsin averages $440/year.

For complete Wisconsin auto insurance laws and requirements, visit the Wisconsin OCI. For vehicle registration and licensing, visit the Wisconsin DMV.

Full Coverage vs. Liability in Wisconsin

Full coverage in Wisconsin averages $132/month, while liability-only coverage averages $37/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 10% of Wisconsin drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Wisconsin

Where you live in Wisconsin significantly affects your premium. Click your city for local rate comparisons:

📍 Milwaukee, WI — $1,743/yr› 📍 Madison, WI — $1,754/yr› 📍 Green Bay, WI — $1,594/yr› 📍 Kenosha, WI — $1,502/yr› 📍 Racine, WI — $1,503/yr› 📍 Appleton, WI — $1,577/yr› 📍 Waukesha, WI — $1,571/yr› 📍 Eau Claire, WI — $1,489/yr› 📍 Oshkosh, WI — $1,522/yr› 📍 Janesville, WI — $1,584/yr› 📍 West Allis, WI — $1,496/yr› 📍 La Crosse, WI — $1,534/yr› 📍 Sheboygan, WI — $1,433/yr› 📍 Wauwatosa, WI — $1,453/yr› 📍 Fond du Lac, WI — $1,460/yr› 📍 Brookfield, WI — $1,519/yr› 📍 New Berlin, WI — $1,430/yr› 📍 Wausau, WI — $1,427/yr› 📍 Menomonee Falls, WI — $1,511/yr› 📍 Greenfield, WI — $1,445/yr› 📍 Franklin, WI — $1,465/yr› 📍 Beloit, WI — $1,500/yr› 📍 Oak Creek, WI — $1,474/yr› 📍 Sun Prairie, WI — $1,470/yr› 📍 Manitowoc, WI — $1,520/yr› 📍 West Bend, WI — $1,441/yr› 📍 Fitchburg, WI — $1,530/yr› 📍 Mount Pleasant, WI — $1,481/yr› 📍 Neenah, WI — $1,424/yr› 📍 Superior, WI — $1,431/yr› 📍 Stevens Point, WI — $1,480/yr› 📍 De Pere, WI — $1,513/yr› 📍 Caledonia, WI — $1,479/yr› 📍 Mequon, WI — $1,474/yr› 📍 Muskego, WI — $1,500/yr› 📍 Watertown, WI — $1,430/yr› 📍 Middleton, WI — $1,408/yr› 📍 Pleasant Prairie, WI — $1,471/yr› 📍 Germantown, WI — $1,402/yr› 📍 South Milwaukee, WI — $1,428/yr› 📍 Howard, WI — $1,423/yr› 📍 Fox Crossing, WI — $1,439/yr› 📍 Marshfield, WI — $1,463/yr› 📍 Wisconsin Rapids, WI — $1,443/yr› 📍 Onalaska, WI — $1,367/yr› 📍 Menasha, WI — $1,421/yr› 📍 Cudahy, WI — $1,353/yr› 📍 Oconomowoc, WI — $1,482/yr› 📍 Kaukauna, WI — $1,388/yr› 📍 Ashwaubenon, WI — $1,395/yr› 📍 Menomonie, WI — $1,443/yr› 📍 Beaver Dam, WI — $1,435/yr› 📍 River Falls, WI — $1,361/yr› 📍 Bellevue, WI — $1,461/yr› 📍 Pewaukee, WI — $1,438/yr› 📍 Weston, WI — $1,408/yr› 📍 Hartford, WI — $1,443/yr› 📍 Whitefish Bay, WI — $1,434/yr› 📍 Whitewater, WI — $1,416/yr› 📍 Waunakee, WI — $1,363/yr› 📍 Greendale, WI — $1,440/yr› 📍 Hudson, WI — $1,390/yr› 📍 Chippewa Falls, WI — $1,483/yr› 📍 Salem Lakes, WI — $1,481/yr› 📍 Allouez, WI — $1,459/yr› 📍 Verona, WI — $1,462/yr› 📍 Shorewood, WI — $1,471/yr› 📍 Plover, WI — $1,364/yr› 📍 Glendale, WI — $1,353/yr› 📍 Stoughton, WI — $1,471/yr› 📍 Suamico, WI — $1,376/yr› 📍 Fort Atkinson, WI — $1,481/yr› 📍 Baraboo, WI — $1,447/yr› 📍 Brown Deer, WI — $1,370/yr› 📍 Harrison, WI — $1,387/yr› 📍 Port Washington, WI — $1,463/yr› 📍 Cedarburg, WI — $1,478/yr› 📍 Grafton, WI — $1,348/yr› 📍 Platteville, WI — $1,460/yr› 📍 Richfield, WI — $1,364/yr› 📍 Little Chute, WI — $1,442/yr› 📍 Sussex, WI — $1,429/yr› 📍 Waupun, WI — $1,381/yr› 📍 Two Rivers, WI — $1,346/yr› 📍 Oregon, WI — $1,365/yr› 📍 Marinette, WI — $1,407/yr› 📍 Burlington, WI — $1,483/yr› 📍 Holmen, WI — $1,374/yr› 📍 Monroe, WI — $1,368/yr› 📍 Portage, WI — $1,483/yr› 📍 Elkhorn, WI — $1,459/yr› 📍 Hobart, WI — $1,360/yr› 📍 New Richmond, WI — $1,481/yr› 📍 Sparta, WI — $1,349/yr›

Wisconsin Auto Insurance FAQ

Who has the cheapest car insurance in Wisconsin?

Based on our 2026 analysis, GEICO offers the cheapest full coverage in Wisconsin at $100/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.

How much is car insurance in Wisconsin?

The average cost of full coverage auto insurance in Wisconsin is $132/month or $1,580/year. Liability-only coverage averages $37/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.

What is the minimum car insurance required in Wisconsin?

Wisconsin requires minimum liability limits of 25/50/10 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.

How can I save on auto insurance in Wisconsin?

The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.

Does Wisconsin have a lot of uninsured drivers?

Approximately 10% of Wisconsin drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Wisconsin OCI — official state insurance regulator for Wisconsin.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Wisconsin DMV — Wisconsin vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

Cheap Auto Insurance in Wisconsin — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Wisconsin (2026)

Wisconsin Auto Insurance at a Glance

🎖️ Compare Wisconsin Auto Insurance Rates Now

What You Should Know About Wisconsin Auto Insurance

Full Coverage vs. Liability in Wisconsin

Wisconsin Auto Insurance Guides

Auto Insurance Rates by City in Wisconsin

Wisconsin Auto Insurance FAQ

Sources & Methodology

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