Cheap Car Insurance in Wisconsin for 2024 (Check Out the Top 10 Companies)

Cheapest in Wisconsin: State Farm

17,757 reviews

4.1

Table of Contents

Toggle

Company Facts

Min. Coverage in Wisconsin

$20/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Excellent customer service
• Wide range of insurance coverage options
• Financially strong

• State Farm insurance rates are slightly higher than the national average
• Weak international presence
• State Farm claims process can be slow

» State Farm Car Insurance Review

17,757 reviews

Compare Rates →

2nd Cheapest in Wisconsin: Geico

19,116 reviews

4.1

Company Facts

Min. Coverage in Wisconsin

$21/mo

A.M. Best Rating

A++

Complaint Level

Low

» Geico Car Insurance Review

19,116 reviews

Compare Rates →

3rd Cheapest in Wisconsin: Am Fam

2,180 reviews

4.0

Company Facts

Min. Coverage in Wisconsin

$22/mo

A.M. Best Rating

A

Complaint Level

Low

» American Family Car Insurance Review

2,180 reviews

Compare Rates →

Choosing cheap car insurance in Wisconsin requires evaluating various providers based on their rates, coverage options, and customer satisfaction. This article highlights the top 10 companies for 2024, with a special focus on State Farm as the best overall for its competitive rates and exceptional service.

Finding cheap car insurance in Wisconsin is a priority for many residents. Whether you are a long-time driver or a new one, understanding how insurance companies calculate your car insurance rate and the factors that affect rates in the state can help you make informed decisions.

Our Top 10 Company Picks: Cheap Car Insurance in Wisconsin

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$20	B	Reliable Claims	State Farm
	#2	$21	A++	Competitive Premiums	Geico
	#3	$22	A	Financial Standing	American Family
	#4	$24	A+	Local Agents	Erie
	#5	$25	A++	Extensive Coverage	Travelers
	#6	$30	A++	Multi-Policy Discounts	Auto-Owners
	#7	$32	A+	Competitive Rates	Progressive
	#8	$38	A+	Many Discountds	Farmers
	#9	$43	A+	Personalized Service	Allstate
	#10	$79	A+	Safe-Driving Discounts	Nationwide

In this article, we will explore the basics of car insurance in Wisconsin, the minimum requirements set by the state, factors that influence insurance rates, tips for finding affordable coverage, and the top providers offering cheap car insurance in Wisconsin.

#1 – State Farm: Top Overall Pick

Pros

• Reliable Claims Processing: State Farm is known for its quick and efficient claims process, often completing claims within 48 hours, which is ideal for Wisconsin drivers who need fast service. This efficiency can lead to lower overall costs, which is important when looking for cheap car insurance in Wisconsin. Find out in our detailed guide title, “State Farm Insurance Review & Ratings.”
• Usage-Based Insurance (UBI) Program: The Drive Safe & Save program offers substantial discounts based on safe driving behavior, making it highly beneficial for careful drivers. Wisconsin drivers who want cheap car insurance in Wisconsin can save significantly through this program, as discounts can go up to 30% or more. This directly impacts the affordability of premiums.
• Mobile App Functionality: The user-friendly State Farm mobile app allows for easy policy management, claims filing, and instant roadside assistance requests. By utilizing the app, drivers in Wisconsin can access various discounts and adjust their policies to find cheap car insurance in Wisconsin without the need for time-consuming office visits.

Cons

• Higher Rates for Young Drivers: State Farm tends to have higher premiums for young drivers in Wisconsin compared to competitors, which could deter first-time insurance seekers. This is a significant drawback for young individuals seeking cheap car insurance in Wisconsin, as they may find more affordable options elsewhere.
• Limited Availability of Discounts: The range of discounts may be less comprehensive compared to other insurers, particularly for bundling home and auto policies. This limitation can hinder some policyholders from achieving truly cheap car insurance in Wisconsin, especially if they have a more complex insurance portfolio.

#2 – Geico: Best for Competitive Premium

Pros

• Competitive Low Rates: Geico often provides some of the lowest premiums in Wisconsin, especially for those seeking only the minimum required coverage. Drivers looking for cheap car insurance in Wisconsin will find Geico a strong option due to its focus on affordability without sacrificing coverage quality. Learn more by reading our detailed analysis titled, “Geico Auto Insurance Review.”
• Military Discounts: Offers exclusive discounts for military personnel and veterans, making it a strong choice for military families in Wisconsin. These specialized discounts help those affiliated with the military find cheap car insurance in Wisconsin, contributing to significant savings compared to standard rates.
• Online Quote and Management: Robust online platform for quoting and policy management simplifies the insurance process for tech-savvy customers. This online system allows customers to compare rates and find cheap car insurance in Wisconsin with just a few clicks, ensuring they get the best deal possible.

Cons

• Limited Local Agents: Geico has fewer local agents in Wisconsin, which might not be ideal for drivers who prefer face-to-face interactions. This lack of local presence could affect access to cheap car insurance in Wisconsin for those who need personalized advice to adjust their coverage effectively.
• Customer Service Issues: Some Wisconsin customers report slower response times in resolving complex claims and coverage disputes. For those prioritizing cheap car insurance in Wisconsin, this could mean higher costs in time and effort, especially if claims are not handled efficiently.

#3 – American Family: Best for Financial Standing

Pros

• Multi-Policy Discount Opportunities: Significant savings are available when bundling auto insurance with other policies, such as home or renters insurance. This bundling is a popular strategy for achieving cheap car insurance in Wisconsin, as mentioned on our article about American Family with comprehensive analysis titled, “How to File an Car Insurance Claim With American Family Insurance Company“
• High Financial Stability: American Family boasts a strong A.M. Best rating, indicating high financial stability and reliability for long-term policyholders. For Wisconsin drivers, knowing their insurer is financially stable can mean more consistent rates, which helps in maintaining cheap car insurance in Wisconsin over the years.
• Focus on Wisconsin Market: As a regional insurer with a strong presence in Wisconsin, they understand local customer needs and regulations better than national competitors. This local expertise often results in cheap car insurance in Wisconsin, as the company can tailor its offerings specifically to the state’s drivers.

Cons

• Higher Premiums for Basic Coverage: Basic coverage options tend to be more expensive compared to other low-cost competitors in Wisconsin. This can be a disadvantage for those specifically looking for cheap car insurance in Wisconsin, as there may be more cost-effective alternatives available.
• Limited Online Capabilities: The online system for managing policies and filing claims can be less intuitive compared to more tech-forward companies like Geico or Progressive. For those looking for cheap car insurance in Wisconsin, this can mean added time and effort in managing their policies, potentially affecting overall satisfaction.

#4 – Erie: Best for Local Agents

Pros

• Personalized Local Agent Experience: Strong local agent presence allows Wisconsin drivers to receive tailored advice and build relationships. This personalized approach often results in more suitable coverage plans, helping customers achieve cheap car insurance in Wisconsin that fits their needs precisely.
• Lock-In Rate Feature: Erie offers a “Rate Lock” feature, preventing premiums from increasing after a claim, which is beneficial for budget-conscious customers. For those seeking cheap car insurance in Wisconsin, this can mean predictable and manageable insurance costs over time. (Learn More: Bundling Home and Auto Insurance With Erie).
• Discounts for Young Drivers: Provides unique discounts tailored specifically for young drivers who maintain good grades or complete driver education programs. For young drivers in Wisconsin, this is a crucial feature that helps in finding cheap car insurance in Wisconsin.

Cons

• Availability Limitations: Erie’s policies are not available statewide, limiting access for some Wisconsin residents. This can be a challenge for those seeking cheap car insurance in Wisconsin in more remote areas, where coverage options might be more limited.
• Slow Digital Transition: Lacks robust online and mobile management options, which can be a drawback for those who prefer digital interfaces. For those aiming for cheap car insurance in Wisconsin, this means potentially spending more time managing policies offline, which could be less efficient.

#5 – Travelers: Best for Extensive Coverage

Pros

• Broad Coverage Options: Offers a wide range of coverage types including rideshare coverage, ideal for Wisconsin drivers working for services like Uber or Lyft. This flexibility allows drivers to tailor policies for cheap car insurance in Wisconsin without paying for unwanted features.
• Gap Insurance Available: Travelers offers gap insurance, which is beneficial for Wisconsin drivers who lease or finance their vehicles. This option is particularly valuable for those searching for cheap car insurance in Wisconsin, as it prevents additional costs in case of a total loss.
• Accident Forgiveness: Accident forgiveness program helps prevent rate increases after a first at-fault accident, a major benefit for long-term customers. This feature can help maintain cheap car insurance in Wisconsin even after minor incidents. View more about Travelers’ ratings in our comprehensive guide titled, “How can I pay my Travelers insurance premium?“

Cons

• Above-Average Premiums: Travelers’ rates can be higher than the market average for comprehensive and collision coverages. This could be a drawback for drivers looking for cheap car insurance in Wisconsin, as they may find more affordable rates with other insurers.
• Mixed Customer Reviews: While many appreciate their flexibility, some Wisconsin customers report dissatisfaction with the claims process. This could impact the overall value of cheap car insurance in Wisconsin if claims handling affects out-of-pocket costs.

#6 – Auto-Owners: Best for Multi-Policy Discounts

Pros

• Exceptional Financial Strength: Auto-Owners has an A++ rating from A.M. Best, reflecting high reliability for claim payments. For Wisconsin residents, this stability can contribute to finding cheap car insurance in Wisconsin by reducing the risk of sudden rate hikes.
• Unique Coverage Add-Ons: Provides rare options like diminished value coverage, which compensates for loss in vehicle value after an accident. For those looking for cheap car insurance in Wisconsin, having this option can mean significant savings in potential future claims.
• Consistent Policy Renewal Discounts: Provides loyalty rewards to long-term Wisconsin customers, helping to reduce rates over time. This is an excellent option for those seeking cheap car insurance in Wisconsin, as the longer you stay, the more you can save.  See other discounts you may qualify for in our article titled, “Auto Owners Insurance Review & Ratings.”

Cons

• Lack of Online Tools: Limited online capabilities make it harder for tech-savvy customers to manage policies digitally. This can be a disadvantage for those wanting to keep cheap car insurance in Wisconsin convenient and efficient.
• Not the Cheapest for Young Drivers: Rates for younger drivers tend to be higher than competitors, limiting its appeal to this demographic. For young Wisconsin drivers, finding truly cheap car insurance in Wisconsin might require looking elsewhere.

#7 – Progressive: Best for Competitive Rates

Pros

• Snapshot Program for Additional Savings: Usage-based program that provides discounts based on monitored driving behavior. Wisconsin drivers aiming for cheap car insurance in Wisconsin can benefit from lower rates if they maintain safe driving habits. Find more details about this provider in our guide titled, “Progressive Insurance Review & Ratings.”
• Name Your Price Tool: Allows Wisconsin drivers to build policies based on budget, making it easier to find cheap car insurance in Wisconsin without sacrificing key coverage elements. This tool is particularly beneficial for budget-conscious customers.
• Comprehensive Online Platform: Progressive’s website and mobile app offer seamless policy management, which is a convenience for tech-savvy Wisconsin drivers. Easy access to policy documents and billing makes managing cheap car insurance in Wisconsin straightforward.

Cons

• Complex Pricing Structure: The rate structure can be difficult to understand, which may deter some Wisconsin customers. For those who want straightforward cheap car insurance in Wisconsin, this could add confusion to the selection process.
• Mixed Customer Satisfaction Ratings: Some Wisconsin drivers report dissatisfaction with Progressive’s customer service, particularly with claims handling. This could affect the overall value proposition of cheap car insurance in Wisconsin if service issues lead to higher costs.

#8 – Farmers: Best for Many Discounts

Pros

• Extensive Coverage Options: Farmers Insurance offers a broad range of coverage options, including specialized coverages like new car replacement and customized equipment coverage. These flexible options can be tailored to suit Wisconsin drivers’ needs, helping them find cheap car insurance in Wisconsin without paying for unnecessary add-ons. This adaptability is ideal for customers looking to balance comprehensive coverage with cost.
• Strong Customer Support and Local Agents: With a robust network of local agents across Wisconsin, Farmers provides personalized customer support and guidance. For drivers seeking cheap car insurance in Wisconsin, having local agents can help in optimizing coverage and accessing exclusive discounts. The face-to-face interaction also ensures policyholders understand their coverage and potential savings options.
• Discount Opportunities: Farmers offers multiple discounts, including those for safe driving, bundling policies, and being a good student. These discounts are crucial for those looking to find cheap car insurance in Wisconsin as they can significantly reduce monthly premiums. Dive into our article called, “Farmers Insurance Review & Ratings.”
• Accident Forgiveness and Declining Deductibles: Farmers offers an accident forgiveness program and a declining deductible feature, which rewards drivers for safe driving over time. Wisconsin drivers looking for cheap car insurance in Wisconsin can benefit from these features as they provide long-term savings and protect against rate hikes after an accident.

Cons

• Higher Premiums for Comprehensive Coverage: Farmers tends to have higher premiums compared to competitors for more comprehensive coverages in Wisconsin. This can be a disadvantage for those searching for cheap car insurance in Wisconsin, as they may find better rates for similar coverage levels with other insurers.
• Mixed Online Experience: While Farmers provides online tools for managing policies, some customers report a less intuitive user experience compared to more tech-forward insurers. For those who prioritize digital convenience while searching for cheap car insurance in Wisconsin, this could be a drawback.

#9 – Allstate: Best for Personalized Service

Pros

• Usage-Based Insurance Option: The Drivewise program offers discounts for safe driving, which can significantly lower premiums for cautious drivers. Wisconsin drivers interested in cheap car insurance in Wisconsin can benefit from up to 40% savings through this program.
• Excellent Claims Satisfaction: Allstate has high customer satisfaction ratings for its claims process, which is important for ensuring a positive experience. Wisconsin drivers looking for cheap car insurance in Wisconsin also value reliable claims support without unexpected fees.
• Wide Variety of Discounts: Offers discounts for new vehicles, multi-policy bundling, safe driving, and more. These options are essential for those wanting cheap car insurance in Wisconsin, as combining discounts can lead to substantial savings. Learn more about the offerings in our guide titled, “Allstate Insurance Review and Ratings.”

Cons

• Higher Base Premiums: Allstate tends to have higher base premiums, especially for minimum liability coverage in Wisconsin. This could be a hurdle for those seeking the cheapest car insurance in Wisconsin, as competitors might offer more affordable options.
• Mixed Feedback on Customer Service: Some Wisconsin customers report inconsistent experiences with Allstate agents, which could impact overall satisfaction. This inconsistency could affect the perceived value of cheap car insurance in Wisconsin.

#10 – Nationwide: Best for Safe-Driving Discounts

Pros

• Vanishing Deductible Program: Reduces your deductible by $100 for every year of safe driving, encouraging careful driving behavior in Wisconsin. For those looking for cheap car insurance in Wisconsin, this program can lead to lower out-of-pocket expenses in case of an accident.
• On Your Side Review: With our Nationwide car insurance review, annual policy reviews help Wisconsin drivers adjust coverage and find savings. This proactive approach can help find cheap car insurance in Wisconsin by ensuring you’re not overpaying for unnecessary coverage.
• Wide Range of Discounts: Offers discounts for everything from being a good student to installing anti-theft devices. These discounts are beneficial for those looking to maintain cheap car insurance in Wisconsin, especially when they stack multiple qualifying discounts.

Cons

• Rates Can Vary Significantly: Nationwide’s premiums can vary greatly depending on ZIP code and driving history, which could make finding consistent cheap car insurance in Wisconsin challenging. This variability could affect budgeting for some drivers.
• Mixed Mobile App Reviews: Some Wisconsin customers report issues with the Nationwide mobile app, affecting policy management convenience. For those who prefer cheap car insurance in Wisconsin to be easy to manage, this can be a deterrent.

Understanding Car Insurance in Wisconsin

Car insurance coverage typically consists of three main components: liability coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Liability coverage helps pay for the damages you cause to others in an accident.

It is a crucial component of car insurance as it ensures that victims receive compensation for their injuries and property damage. Without liability coverage, you would be financially responsible for any damages you cause, which could lead to significant financial burden.

Personal injury protection (PIP) coverage provides for medical expenses, lost wages, and other costs for you and your passengers in case of an accident. This coverage is particularly important as it ensures that you and your loved ones receive necessary medical treatment and financial support in the event of an injury.

Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who either has no insurance or insufficient coverage. This coverage ensures that you are not left with the financial burden of paying for damages caused by an uninsured or underinsured driver.

Wisconsin law mandates specific minimum car insurance requirements that all drivers must meet. To legally operate a vehicle in Wisconsin, you must have liability coverage with at least the following limits:

1. Bodily injury liability per person: $25,000
2. Bodily injury liability per accident: $50,000
3. Property damage liability: $10,000

These minimum requirements are essential but may not provide extensive coverage in the event of a severe accident. It’s crucial to assess your individual needs and consider additional coverage options to adequately protect yourself.

Additional coverage options include collision coverage, which helps pay for damages to your vehicle in the event of an accident, regardless of fault. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural disasters.

These additional coverages can provide you with peace of mind and financial security in various situations. When shopping for car insurance in Wisconsin, it’s important to compare quotes from multiple insurance companies to find the best coverage at the most affordable price.

Your coverage needs may vary depending on factors such as your driving record, the value of your vehicle, and your personal financial situation. It’s always a good idea to consult with an insurance agent who can help you assess your needs and find the right coverage for you.

Top Affordable Car Insurance Providers in Wisconsin

State Farm: Overview and Benefits

State Farm is known for its affordable car insurance coverage without compromising quality. They offer competitive rates and discounts for various factors, such as safe driving, bundling policies, and loyalty. Additionally, they provide excellent customer service and convenient claim handling processes.

One of the standout features of State Farm is their commitment to ensuring that their customers receive the best value for their money. They understand that affordability is important, but they also recognize the importance of quality coverage.

Therefore, they have designed their policies to strike the perfect balance between cost and coverage. Moreover, State Farm goes the extra mile to reward their policyholders for their safe driving habits.

To help drivers get low-cost car insurance with driver discounts, they offer a safe driving discount program that incentivizes responsible behavior on the road. By maintaining a clean driving record, policyholders can enjoy even lower rates, making their car insurance even more affordable.

Geico: Overview and Benefits

Geico is a reliable option for individuals searching for affordable car insurance in Wisconsin. They have a strong reputation for offering competitive rates and providing personalized coverage options tailored to individual needs. Their customer-centric approach and efficient claims handling make them a preferred choice for many.

When it comes to affordability, Geico understands that every individual has unique needs and circumstances. That’s why they offer personalized coverage options that allow policyholders to choose the level of protection that suits them best.

By tailoring the coverage to their specific requirements, customers can ensure they are only paying for what they need, making their car insurance more affordable. In addition to their personalized approach, Geico also takes pride in their efficient claims handling processes.

They understand that filing a claim can be a stressful experience, so they strive to make it as smooth and hassle-free as possible. Their dedicated claims team is available round the clock to assist customers and ensure their claims are processed promptly.

American Family: Overview and Benefits

American Family is known for its commitment to providing affordable car insurance solutions to Wisconsin residents. They offer a wide range of coverage options and robust customer support. With a reputation for transparency and fair pricing, they strive to meet the unique needs of customers while offering competitive rates.

What sets American Family apart is their full coverage auto insurance. They understand that every driver has different needs and preferences, so they offer a variety of coverage options to cater to those diverse requirements. Whether it’s comprehensive coverage for maximum protection or a basic liability policy, American Family has options that fit every budget.

Furthermore, American Family is dedicated to providing excellent customer support. They believe that being there for their policyholders is crucial, especially during challenging times. Their knowledgeable and friendly customer service representatives are available to answer any questions or concerns, ensuring that customers have peace of mind knowing they are well taken care of.

In conclusion, finding cheap car insurance in Wisconsin requires understanding the basics of auto insurance, knowing the minimum requirements set by the state, and considering the factors that influence insurance rates.

By shopping around, taking advantage of discounts, and maintaining a clean driving record, you can increase your chances of finding affordable coverage. Consider researching and comparing offerings from the top providers mentioned in this article to find the best car insurance option that meets your needs and budget.