Cheapest Insurance in Wisconsin 2021

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No long forms · No spam · No fees
  • 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.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)
Here’s how much real Jerry customers saved in Wisconsin when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
December 8, 2020Hyundai Tucson SE
Saint Francis
33KemperBasic$156/mo.$76/mo.
May 24, 2021Mazda 3 Select
Waterloo
35TravelersCustom$133/mo.$97/mo.
July 2, 2021Nissan Rogue Sport S
Shiocton
29NationwideCustom$140/mo.$110/mo.
June 19, 2021Pontiac Bonneville SE
Janesville
16Bristol WestBasic$232/mo.$118/mo.
June 19, 2021Pontiac Bonneville SE
Janesville
16DairylandBasic$232/mo.$131/mo.
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
$2,478$1,311
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

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 without 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$1,703$1,073
National General$1,979$1,137
Progressive$2,556$1,301

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
$1,910$1,635
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

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$1,815$1,532
National General$1,776$1,676
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$2,498$1,483
21-24$2,378$1,475
25-34$2,235$1,432
35-44$2,373$1,345
45-54$2,641$1,470
55-64$2,113$1,190
65+$3,576$2,504
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

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$2,386$1,441
Open Container$2,112$1,105
Wrong Way/Wrong Lane$1,344$1,164
DUI$1,855$1,491
Passing School Bus$2,448$1,494
Defective Equipment$2,866$1,576
Speeding over 15$2,035$1,589
Speeding under 15$2,660$1,810
Improper Passing$2,413$1,842
Failure to Obey Traffic Sign$2,952$1,950

Best carriers for drivers with infractions in Wisconsin

Insurance Company
Before Jerry
After Jerry
Kemper$3,016$1,143
Allstate$2,361$1,161
Progressive$2,544$1,680
Nationwide$2,341$1,699
Travelers$2,143$1,785
National General$3,025$1,901
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

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$2,701$1,564
Open Container$2,112$1,105
Improper Passing$1,980$1,704
Defective Equipment$1,980$1,704
Failure to Obey Traffic Sign$3,270$1,840
DUI$2,280$1,890
Speeding over 15$2,675$2,016
Speeding under 15$3,319$2,044
Driving on Sus. License$3,157$2,289
Careless Driving$3,714$2,787
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$4,656$1,230
Allstate$4,744$1,586
Progressive$2,599$1,670
Nationwide$2,205$1,681
Travelers$2,304$2,172
National General$4,512$2,731
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.
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

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
Buick Enclave$2,520$1,500
Chevrolet Cruze LT$2,010$1,008
Chrysler 300C$2,112$1,140
Let Jerry find your price in only 45 seconds
No spam · No long forms · No fees
Find insurance savings (100% Free)

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
$3,094$2,111
Madison
$2,676$1,523
Appleton
$1,814$1,534
Janesville
$2,875$1,568
Racine
$2,441$1,642
Kenosha
$2,250$1,577
Green Bay
$1,884$1,139
Waukesha
$2,358$1,629
Eau Claire
$3,351$1,214
Watertown
$1,500$780

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.
Still have some questions?
Learn how Jerry can help you save money on car insurance, our policies, privacy, customer service, and more.
Read FAQ

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free