Cheapest Insurance in Wisconsin 2021

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  • Find cheapest car insurance Wisconsin
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Wisconsin drivers pay about a third less than the national average for their car insurance. And while most Wisconsin insurance companies offer affordable premiums, you’ll definitely want to check out a few before making your decision.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Wisconsin. And if you want to learn more about car insurance rates in Wisconsin, keep reading.
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Find the cheapest car insurance in in Wisconsin with Jerry

Personal profile, driving history, vehicle type, location. These are all factors that can have a big impact on your insurance premium. No matter your situation, shopping around and comparing multiple quotes can net you some pretty serious savings.
Here’s how much Jerry customers were paying for car insurance in Wisconsin before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Wisconsin with Jerry

Insurance Company
Before Jerry
After Jerry
Infinity
$1,920$846
Kemper
$2,390$1,090
Allstate$2,203$1,133
Metlife
$2,226$1,380
Progressive$2,323$1,499
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Wisconsin.

Cheapest minimum coverage car insurance in Wisconsin

The minimum required insurance coverage varies depending on your state laws. In Wisconsin, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Wisconsin:
Before Jerry
After Jerry
$2,705$1,314
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Additional coverages you might want to consider when shopping for car insurance in Wisconsin

Risk factorCoverage to consider
Severe weatherWinsconsin is prone to winter storms and the occasional tornado. Comprehensive insurance covers any physical damage to your car as a result of a severe weather event.
Uninsured driversAbout 14% of drivers are uninsured in Wisconsin. Uninsured motorist coverage protects you if you get into an accident with someone who does not have the minimum required insurance.
Though the minimum required insurance is sufficient to drive in Wisconsin, state-specific factors make additional coverage a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Wisconsin

If you hit the road with the mandatory minimum insurance in Wisconsin you could receive a fine of up to $510 and a suspension of your driving privileges. Before your license will be reinstated, you’ll need to purchase an insurance policy, secure an SR-22 certificate, and pay a reinstatement fee of $60.
Thankfully, minimum insurance is incredibly affordable so there’s no reason to skip it.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Wisconsin:
Insurance Company
Before Jerry
After Jerry
Kemper
$2,149$985
National General
$4,661$1,285
Progressive$2,603$1,317

Cheapest full coverage car insurance in Wisconsin

In most cases, securing more than just the minimum required coverage is a good idea and will provide peace of mind and greater financial protection.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$1,870$1,539
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Best carriers for full coverage car insurance in Wisconsin

The best way to find the right full coverage policy is to compare quotes from multiple insurance companies.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Wisconsin:
Insurance Company
Before Jerry
After Jerry
Progressive$1,760$1,443
National General
$1,913$1,502
Allstate$1,900$1,830
Travelers$3,134$3,114
Minimum liability coverage is all you need to legally drive in Wisconsin, but securing full coverage can provide you with peace of mind and more financial protection in the event of an incident.

Cost to insure your car in Wisconsin by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teenage drivers in Wisconsin are three times more likely to be involved in a car accident than other age groups, with crash rates above the national average. Distracted driving is a significant factor in six of every 10 accidents involving teenagers.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,526$1,507
21-24$2,432$1,532
25-34$2,192$1,422
35-44$2,350$1,337
45-54$2,407$1,476
55-64$1,988$1,139
65+$3,226$1,978
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Cost of insurance for drivers in Wisconsin with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Wisconsin, points can remain on your driving record for five years. You’ll be labeled a high-risk driver and insurance companies use this to increase your premiums.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,379$1,455
Wrong Way/Wrong Lane$1,025$948
Open Container$2,112$1,105
DUI$1,829$1,373
Passing School Bus$2,283$1,507
Speeding over 15$2,228$1,573
Defective Equipment$2,866$1,576
Speeding under 15$2,638$1,804
Improper Passing$2,413$1,842
Failure to Obey Traffic Sign$2,988$1,943

Best carriers for drivers with infractions in Wisconsin

Insurance Company
Before Jerry
After Jerry
Kemper
$2,434$1,076
Allstate$2,432$1,144
Progressive$2,353$1,588
Travelers$2,282$1,673
Nationwide$2,511$1,717
National General
$3,002$1,968
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Cost of insurance for young drivers in Wisconsin with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Wisconsin has a graduated licensing system that is intended to help keep novice drivers out of high-risk driving situations while giving them the chance to gain experience and develop their driving skills. Of course, accidents still happen.
Rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,794$1,616
Wrong Way/Wrong Lane$866$840
Open Container$2,112$1,105
Speeding over 15$2,501$1,640
Defective Equipment$1,980$1,704
Improper Passing$1,980$1,704
Failure to Obey Traffic Sign$3,222$1,892
Speeding under 15$3,143$2,005
DUI$3,336$2,076
Driving on Sus. License$3,137$2,193
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Wisconsin, check out these top carriers.

Best carriers for young drivers with infractions in Wisconsin

Insurance Company
Before Jerry
After Jerry
Kemper
$2,694$1,028
Progressive$2,531$1,642
Allstate$6,396$1,692
Nationwide$2,654$1,827
Travelers$3,971$2,310
National General
$3,628$2,439
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Wisconsin

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Wisconsin.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Driver’s education discountIf you complete an approved defensive driving course, you may be eligible for a discount on your premium. Age requirements may be applicable.
Good driver discountMaintaining a clean driving record with no accidents or claims can make you eligible for reduced premiums. The longer you maintain this record, the more the discount.
Good student discountFull-time students who maintain an average of at least a B are often eligible for reduced rates of up to 20%.
Billing discountPaying for your premium in full at the beginning of the year can result in savings of up to 25%, depending on your insurer.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Wisconsin?

The Ford F-150 is one of the best-selling vehicles in the badger state—and, as it turns out, one of the most affordable to insure, too.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Audi Q5 Premium Plus$3,600$1,260
BMW X3 Xdrive28I$3,000$1,932
BMW 550 I$2,040$1,140
Chevrolet Cruze LT$2,010$1,008
Chevrolet Silverado K1500 LT$1,512$1,044
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Cheapest car insurance in Wisconsin by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Wisconsin drivers pay more than 30% less than the national average. In general, the state has a middle-of-the-road population density and a fairly rural population, which typically means fewer accidents and lower rates. It also has a healthy amount of insurer competition.
That said, Wisconsin also has a high percentage of uninsured drivers and sees its fair share of severe weather, including snow storms and the occasional tornado. While certain areas of Wisconsin may have higher insurance rates than others, these factors aren’t enough to have any major impact on the affordability of insurance overall.
City
Before Jerry
After Jerry
Milwaukee$2,966$1,963

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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