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Cheapest Car Insurance in Wisconsin (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Wisconsin.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Wisconsin

Wisconsin does not have a single
car insurance
provider that consistently offers the cheapest rates for everyone.
Savvy shoppers will find that one of the best ways to find cheap auto insurance in Wisconsin is to shop around and compare quotes from multiple providers. Check out quotes Jerry users have found below.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$227
Nissan Maxima S
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$125
Ford Edge Titanium
• State Minimum Liability
• Comp / Collision
Allstate
$154
KIA K5 EX
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$83
Chevrolet Equinox LT
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$90
Chevrolet Trailblazer Activ
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Nov 9, 2024

Cheapest car insurance companies in Wisconsin

Jerry
wanted to know what car insurance companies offered the cheapest rates in Wisconsin, so we conducted the largest insurance shopping survey in the nation, analyzing information from more than 15,000 policyholders over 18 months.
What we learned: No single car insurance company  has the cheapest rates for everyone. This is mainly because car insurance rates are determined based on various factors, many of which are highly specific to individuals.
While saving on car insurance is important, the best car insurance companies will also offer excellent customer service.
Check out what Wisconsin drivers have shared about their experiences with providers they found through Jerry.
Insurance companyDateCost rating (out of 5)What our customer said:
USAA
November 7, 2024
4
"Country Financial is very laid back and always there when you need them. "
-Shane
Dairyland
November 1, 2024
5
"This is a great insurance company "
-Bettie
Nationwide
October 28, 2024
3
"I was with American Family since I started driving, but out if nowhere they raised my rate from ~170 to ~320 per mont...(read more)"
-Fannie
Founders
October 25, 2024
5
"Founders has been very easy to work with. Very decent price for full coverage at 18. "
-Rosa
Farmers
October 25, 2024
4
"First time with Farmers, seems like a decent agency. "
-Laura
coverageLast Updated Nov 7, 2024
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
As a licensed insurance agency, Jerry allows you to quickly compare car insurance from the nation’s top providers, all in one place. If you find the right policy at the right price, we can even help you make the switch and cancel your old policy.

Minimum liability and full coverage

Mandated by
Wisconsin driving  laws
, drivers must carry minimum liability coverage on their car insurance policy. For many drivers, it’s often a good idea to opt for
full coverage
and other coverage types as well.

Cheapest minimum liability coverage car insurance quotes in Wisconsin

At minimum, Wisconsin drivers must have the following liability coverage limits:
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
    1
      
You might see this liability coverage referred to as 25/50/10.
Also required: At least $25,000/$50,000 in
uninsured motorist coverage
for bodily injury.
2
  
Here’s a look at rates Wisconsin drivers have found for minimum liability coverage with Jerry’s help:
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Robert (35 years old)
coverageCoverage
State Minimum
carChevrolet Traverse LT
$69
per month
card cover
Dennis (29 years old)
coverageCoverage
State Minimum
carChrysler Town & Country Touring
$159
per month
card cover
Rodney (53 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
$132
per month
card cover
Glenn (30 years old)
$80
per month
card cover
Gainsco
Jonathan (29 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
carPontiac Grand Prix GT
$96
per month
card cover
Clearcover
Harvey (39 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
carToyota Corolla L
$64
per month

Do you need more than minimum coverage in Wisconsin?

In most cases, Wisconsin drivers are often better off choosing higher car insurance limits than Wisconsin’s legally required minimums.
This is because severe accidents can quickly exceed these limits. After an at-fault accident, you’d need to find a way to pay for any injuries or property damages your insurance doesn’t cover.
For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
Lower my car insurance too!

Cheapest full coverage car insurance quotes in Wisconsin

If you want protection for your vehicle, you’ll want to add full coverage to your policy.
Full coverage generally refers to both
comprehensive
and
collision coverage
:
  • Collision insurance: Covers vehicle repairs or replacement costs after an accident.
  • Comprehensive insurance: Covers vehicle repairs or replacement costs after damages caused by other types of incidents, including vandalism, theft, severe weather, or hitting an animal.
If you have a car loan: It’s common for lenders to require that you keep full coverage on your car insurance policy until your loan is paid off.
Here are rates Wisconsin drivers have found for full coverage car insurance.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$207
Volkswagen Atlas Cross Sport SE
• State Minimum Liability
• Comp / Collision
Safeco
$132
Ford Explorer
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$166
Chevrolet Cruze ECO
• 50,000/100,000 Liability
• Comp / Collision
National General
$64
Honda Civic Sport
• State Minimum Liability
• Comp / Collision
State Auto
$319
Chevrolet Equinox LT
coverageLast Updated Nov 13, 2024

Average rates for state minimum liability coverage and full coverage

The data from Jerry’s study shows that in Wisconsin, the average annual cost for full coverage insurance is $0 while the cost of minimum car insurance is $0.
Of course, averages can be helpful when trying to predict insurance costs, but your actual car insurance rate will depend on a variety of factors, including: 
  • The type of car you drive
  • Where your keep your car
  • Your driving record
  • Your age, gender, and other demographics

Wisconsin car insurance: Additional coverages

Beyond what’s legally required, there are plenty of optional car insurance coverage types that you can consider in Wisconsin, including:
  • Medical payments coverage
  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • Rental reimbursement coverage 
For car loans: Consider
gap insurance
. Vehicle values can depreciate quickly, especially during the first several years of ownership. If your car is stolen or totaled and its value has fallen below your remaining car loan balance, gap insurance can help you with the difference.
If you borrow someone’s vehicle but don’t own your own: You might want to consider a
non-owner car insurance
policy. This will give you the mandatory car insurance coverage that’s legally required in Wisconsin, and you can often add optional coverages to your policy as well. That said, full coverage won’t be available, since the vehicle owner’s policy would be responsible for this.

Car insurance premium by rating factors

Car insurance companies in Wisconsin will review a wide range of factors making up your driver profile when calculating your rate, such as:
  • What kind of car you drive: Full coverage is usually more expensive for luxury cars, sports cars, or high-value vehicles.
  • What you use your vehicle for: A car insurance policy for a vehicle you drive to work daily will likely cost more than one for a car that’s only driven occasionally.
  • Your driving record: Car insurance is typically more expensive for drivers with a history of accidents and/or violations.
  • Where you keep your car: Insurer’s will evaluate your area’s population density, accident rates, weather trends, and crime rates. If you’re able to keep your vehicle in a secure garage, you can often see a lower rate.

How different factors impact your car insurance costs in Wisconsin

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Wisconsin currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Wisconsin:

Cheapest Wisconsin car Insurance after a driving violation

Your driving record will contain some of the most important information when it comes to determining your Wisconsin car insurance costs. Following the rules of the road will make it that much easier to find a cheap premium.

Cheapest car insurance for Wisconsin drivers with a speeding ticket

Any violations on your driving record, including speeding tickets, can affect your Wisconsin car insurance costs. That said, a ticket for driving 6 mph over the speed limit may not have the same effect as one for driving 20 mph over the speed limit.
Find out what rates other Wisconsin drivers have found—even with varying degrees of speeding tickets on their records.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Progressive
$76
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
National General
$279
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Allstate
$197
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Allstate
$186
• 100,000/300,000 Liability
• Comp / Collision
Speeding 21+
Gainsco
$105
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 12, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Cheap rates
Petia
Progressive
It's awesome.
Shamsul
Dairyland
This is a great insurance company
Victoria
Gainsco
Gainsco has given the cheapest price on vehicle insurance as well as kept their word on the quote.
Anna

Cheapest auto insurance in Wisconsin after a DUI

A
DUI conviction
can dramatically increase your car insurance costs, but shopping around for new quotes could help you find a more affordable coverage option.
Here are some rates Wisconsin drivers have found with Jerry after a DUI violation:
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Victor (37 years old)
DUI
coverageCoverage
State Minimum
locationGreen Bay, WI
carChevrolet Malibu 1LT
$62
per month
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Ruby (33 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMilwaukee, WI
carSubaru Crosstrek Premium
$89
per month
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Brian (41 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMilwaukee, WI
carVolkswagen Golf Alltrack S
$190
per month
card cover
Clearcover
Maurice (32 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHyundai Accent GLS
$127
per month
card cover
Gainsco
Jeremy (53 years old)
DUI
coverageCoverage
State Minimum
carChevrolet Impala LT
$73
per month
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Verna (29 years old)
DUI
coverageCoverage
State Minimum
carFord Flex SEL
$61
per month

Wisconsin SR-22 insurance

High-risk drivers may be required to
file an SR-22
in Wisconsin for a certain period of time. You might also be subject to
SR-22 requirements
to reinstate a suspended or revoked driver’s license.
Although not all providers will offer policies to high-risk drivers, others specialize in doing so. Shopping around will give you a range of options to consider and help you find the most affordable policy.

Cheapest Wisconsin auto Insurance after an at-fault accident

After an accident your car insurance premium could increase significantly—especially if you were found at fault. Shopping for new rates could help you find a cheaper premium.
Check out rates from Jerry users involved in an accident:
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Safeco
$125
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$176
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Travelers
$89
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$182
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Clearcover
$76
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 8, 2024

FAQ

Wisconsin is an at-fault state: In at-fault or tort states like Wisconsin, the driver determined to be at fault for a collision is financially responsible for covering costs of resulting injuries or property damage.
This can also make Wisconsin car insurance rates lower when compared to no-fault states due to fewer minimum coverage requirements.

Cheapest auto insurance after other violations in Wisconsin

Having violations on your
driving record
will likely impact your car insurance rates. Just how much might depend on the severity of the violation. 
From
reckless driving
to improper passing, these are rates other Wisconsin drivers found after various types of violations.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$413
Ford Fiesta SE
• State Minimum Liability
• Comp / Collision
Defective Equipment
Travelers
$319
Toyota Camry
• 100,000/300,000 Liability
• Comp / Collision
Driving on Sus. License
Nationwide
$129
Honda HR-V LX
• 50,000/100,000 Liability
• Comp / Collision
DUI
Allstate
$150
Honda Civic EX
• 100,000/300,000 Liability
• Comp / Collision
Eluding Police
National General
$207
Mazda CX-5 Touring
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Bristol West
$81
Hyundai Sonata Hybrid
• State Minimum Liability
Illegal Turn
National General
$74
Chevrolet Malibu 1LT
• State Minimum Liability
Improper Passing
Gainsco
$75
Toyota Camry LE
• State Minimum Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Dairyland
$77
Chevrolet Cruze LTZ
• State Minimum Liability
Open Container
Safeco
$110
Dodge Dart SE
• 50,000/100,000 Liability
• Comp / Collision
Passing School Bus
Progressive
$110
Honda Civic Sport
• State Minimum Liability
• Comp / Collision
Racing/Drag Racing
Progressive
$143
Ford F150 Super Cab
• State Minimum Liability
• Comp / Collision
Reckless Driving
The General
$261
Tesla Model Y
• State Minimum Liability
• Comp / Collision
Seat Belt
Nationwide
$136
Ford Fusion SE
• State Minimum Liability
• Comp / Collision
Speeding Violation-Major
Allstate
$137
Chevrolet Volt LT
• 100,000/300,000 Liability
• Comp / Collision
Speeding Violation-Minor
Clearcover
$98
Toyota RAV4 LE
• 100,000/300,000 Liability
• Comp / Collision
Suspension
Bristol West
$76
Honda Civic Sport
• State Minimum Liability
Wrong Way/Wrong Lane
Progressive
$71
Ford Ranger Super Cab
• State Minimum Liability
False Reporting
State Auto
$140
Jeep Cherokee Trailhawk
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 12, 2024

Cheapest Wisconsin auto insurance based on insurance history

Your auto insurance history will also affect your Wisconsin car insurance costs.
Car insurance companies like to see policyholders maintain consistent coverage over a given period of time, and those who do will often secure lower rates.
On the other hand, having past
car insurance coverage lapses
could leave you paying more for a policy. 
If you’re shopping for car insurance for the first time, you can start out by selecting a policy that offers the coverage you need while remaining within your budget.
Because making on-time payments is crucial for maintaining your coverage, Jerry can send customers payment reminders and late payment warnings.
Currently insured or not, here are examples of rates other Wisconsin drivers recently found with Jerry.
card cover
Eleanor (40 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHobart, WI
$81
per month
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Eunice (24 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationNorth Prairie, WI
carToyota Tacoma Double Cab
$152
per month
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Charlotte (32 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carKIA Seltos Nightfall
$176
per month
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Della (31 years old)
Not Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMilwaukee, WI
carToyota Avalon
$167
per month
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Dominic (66 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMadison, WI
carMitsubishi Outlander Sport ES
$65
per month
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Alexander (40 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationMilwaukee, WI
carMitsubishi Outlander ES
$269
per month

Cheapest car insurance for drivers with poor credit

Unfortunately, drivers who have poor credit are considered statistically more likely to file insurance claims, which can leave them with higher rates.
Taking the steps to build good credit can help you save on car insurance in the long run. In the meantime, shopping around for quotes could help you find a more affordable rate for where your credit currently is.
Take a look at what Wisconsin drivers with varying credit scores are paying for their car insurance.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$92
Jeep Compass Limited
• 50,000/100,000 Liability
• Comp / Collision
660 - 750
Nationwide
$90
Chevrolet Trailblazer Activ
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
National General
$269
Pontiac Grand Prix GT
• State Minimum Liability
< 550
Clearcover
$132
Volkswagen Jetta SE
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 13, 2024

Cheapest Wisconsin car insurance by age

Your age has plenty of influence on your Wisconsin car insurance rate—and young drivers usually see the most expensive premiums.
Following the teen years, Wisconsin drivers can generally expect their car insurance rates to gradually decrease over time. Then, costs will gradually start to increase again around age 75—but averages still usually remain cheaper than those seen with teen drivers.

Cheapest Wisconsin car insurance for young drivers

Teen drivers between the ages of 16 and 19 can typically expect to pay the most for car insurance.
This is largely because
young and new drivers
have a significantly higher risk of accidents.
That risk makes it a good idea to consider full coverage—especially if the vehicle you or your teen is using is newer or higher in value. Take a look at rates for young drivers below:
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Logan (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFord F250 Super Duty
$220
per month
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Bettie (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPeshtigo, WI
carJeep Renegade Latitude
$222
per month
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Adele (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$92
per month
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Jonathan (23 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
carChevrolet Cruze LT
$172
per month
card cover
Clearcover
Luella (23 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
carMitsubishi Mirage G4 ES
$165
per month
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Charlotte (23 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
carFord Fusion S
$154
per month

Cheapest Wisconsin car insurance for senior drivers

Senior drivers
face an increased risk of accidents, as well as experiencing severe injuries after an accident—which can cause car insurance costs to rise around your mid-seventies.
But you could still find a better rate by seeking out new
car insurance quotes
.
Here’s a look at rates senior drivers in Wisconsin have found with Jerry’s help.
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Linnie (66 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
carAcura TLX Advance
$115
per month
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Chase (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGlendale, WI
carChevrolet Cruze LT
$112
per month
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Amanda (70 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carToyota Highlander
$81
per month
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Lily (77 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationMilwaukee, WI
carNissan Pathfinder S
$195
per month
card cover
Clearcover
Callie (67 years old)
coverageCoverage
State Minimum
locationMilwaukee, WI
carBuick Lacrosse
$154
per month
card cover
Mollie (77 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBonduel, WI
carHonda Accord EX
$177
per month

Over 4,000,000 customers and counting

We’ve earned an App Store rating of 4.7 stars for all we do to make car ownership easier.
Progressive
I had an excellent experience with my agent Stephanie Saverance.
Shanika
Progressive
So far everything is good
George
Progressive
Amazing
Natasha
Safeco
The cheapest I have found
Amy

Wisconsin cheapest car insurance by location

Where you keep your car will have a big impact on your car insurance premium since it affects your vehicle’s exposure to risks. Drivers in Milwaukee, Green Bay, and Erie could very well see different rates.
Car insurance companies will evaluate your city’s:
  • Population density
  • Crime rates
  • Accident rates
  • Weather trends
Even within the same city, different zip codes may see different average insurance costs.
Here’s what various drivers pay for car insurance across Wisconsin.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Beloit, WI
Robert, 35
Progressive
$69
Chevrolet Traverse LT
• State Minimum Liability
Racine, WI
Ollie, 40
Nationwide
$90
Chevrolet Trailblazer Activ
• 50,000/100,000 Liability
• Comp / Collision
Brookfield, WI
Lloyd, 62
Safeco
$124
Ford Edge Titanium
• 50,000/100,000 Liability
• Comp / Collision
Racine, WI
Christine, 70
Allstate
$81
Toyota Highlander
• 100,000/300,000 Liability
• Comp / Collision
Oshkosh, WI
Derek, 28
Gainsco
$96
Toyota Corolla CE
• State Minimum Liability
• Comp / Collision
Racine, WI
Johnny, 57
National General
$79
Buick Encore
• State Minimum Liability
Waukesha, WI
Ernest, 34
Bristol West
$327
Toyota Camry LE
• State Minimum Liability
West Bend, WI
Georgie, 31
Mercury
$283
Ford Fusion SE
• 50,000/100,000 Liability
• Comp / Collision
La Crosse, WI
Billy, 43
State Auto
$168
RAM 1500 Sport
• 100,000/300,000 Liability
• Comp / Collision
Oshkosh, WI
Nettie, 41
Clearcover
$97
Hyundai Elantra SE
• 100,000/300,000 Liability
• Comp / Collision
South Milwaukee, WI
Alfred, 48
Anchor General
$114
Nissan Sentra 2.0
• 15,000/30,000 Liability
Appleton, WI
Elnora, 20
Dairyland
$282
GMC Terrain SLE
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 13, 2024

How to lower car insurance costs in Wisconsin

If you’re looking for cheaper car insurance in Wisconsin, take note of these tips from Jerry’s team of licensed insurance agents:
  1. Shop around
    and compare multiple car insurance quotes.
  2. Bundle your car insurance with homeowners insurance or renters insurance.
  3. Take advantage of your provider’s
    car insurance discounts
    —like low mileage discounts, responsible payer discounts, accident-free discounts, or safety feature discounts.
  4. Raise your deductibles on your comprehensive and collision coverage.
  5. Strengthen your credit history. A better credit score could lower your car insurance rates.
  6. Consider dropping collision and comprehensive coverage if your vehicle is older or has a low value.
  7. Take an approved defensive driving course

Why car insurance is so expensive in Wisconsin

Not all factors that affect Wisconsin car insurance costs are within your control. The following factors could also make your premium more expensive:
  • High population density cities 
  • Area crime rates
  • Uninsured drivers 
  • Healthcare costs
  • Rising vehicle and repair costs
  • Severe weather risks

FAQs

Your location, demographics, driving record, vehicle type, and coverage level will all affect your premium. However, the data from Jerry’s study shows that in Wisconsin, the average cost for full coverage insurance is $0 while the cost of minimum car insurance is $0.
Because different providers will weigh these factors differently when calculating rates, it’s in your best interest to find and compare multiple quotes before picking a new auto insurance policy.
The data from Jerry’s study shows that in Wisconsin, the average cost for full coverage insurance is $0 while the cost of minimum car insurance is $0.
Data from Jerry’s survey of 15,000+ car insurance policyholders shows that no car insurance company offers the cheapest rates for every driver. To find the cheapest car insurance in Wisconsin for your situation, it pays to shop around and compare quotes.
Yes. All Wisconsin drivers are required to carry car insurance with 25/50/10 liability coverage and 25/50 uninsured motorist bodily injury liability coverage.
Wisconsin car insurance policies must include at least:
  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist bodily injury liability: $25,000 per person, $50,000 per accident
Although not required by law, your car loan lender may require you to add full coverage to your policy.
While you don’t need proof of insurance to register your vehicle in Wisconsin, you’ll still need to carry it with you while you’re driving.
You may be able to get car insurance without a license in Wisconsin, but it will be difficult. You will not be named the primary driver on the insurance policy, so you’ll need someone to fill that position.
You’ll need to carry proof of insurance whenever you’re driving in Wisconsin. You’ll need to provide it if you’re in a
car accident
or get pulled over by law enforcement.
The state of Wisconsin requires drivers to carry at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury liability coverage.
It is recommended that drivers get
car insurance before buying a car
. Wisconsin drivers typically have a grace period of 2 to 30 days after getting a new car before they must get car insurance. Contact your insurance provider for more information.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.