Best Car Insurance In Wisconsin
State Farm is the top-rated option for comprehensive car insurance in Wisconsin.
We’ve saved shoppers an average of $600 per year on their car insurance.
No matter your needs—budget-friendly car insurance coverage, complete protection for a new car, or senior-focused policies—our Wisconsin car insurance picks have something for everyone.
State Farm is a standout for affordability and customer satisfaction, while GEICO excels in minimum coverage, and Travelers offers unbeatable full coverage plans. With 15 years of experience in insurance, including five years in Wisconsin, I’ve created this guide to help you find the ideal policy.
Best Car Insurance Companies In Wisconsin, 2025
Compare The Best Car Insurance In Wisconsin
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Local Sales Agent Presence | Get A Quote | |
|---|---|---|---|---|---|---|
| State Farm |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Wisconsin 2025
Best Overall
Key Statistics
Why We Like Them
⇅Combining cost-effective policies with comprehensive coverage, State Farm is Wisconsin’s top car insurance provider. Discounts for safe drivers, multi-car policies, and safety devices add to their appeal. With consistently high customer satisfaction and the support of local agents, they offer reliable service and build trust with their policyholders.
Benefits & Drawbacks
⇅- Competitive price points
- A broad selection of insurance plans
- Premium customer care ✓
- This isn't the least pricey alternative.
- Lean digital systems
- Expenses surge after filing claims. ✘
Best For Minimum Coverage
Key Statistics
Why We Like Them
⇅GEICO stands out in Wisconsin as a leader in minimum coverage car insurance, combining low rates with outstanding convenience. Drivers can meet the state’s insurance requirements at an affordable price and benefit from GEICO’s seamless online and mobile tools for managing claims and coverage.
Benefits & Drawbacks
⇅- Value-driven premium rates
- Rapid online service provisions
- Rapid claims adjudication ✓
- Essential insurance plans
- Impassive customer care
- No local agent support is available. ✘
Best For Full Coverage
Key Statistics
Why We Like Them
⇅Travelers earns its reputation as a top full coverage car insurer in Wisconsin by offering comprehensive protection against accidents, theft, and natural disasters. Their accident forgiveness, gap coverage, and new car replacement options add significant value, especially for drivers with high-value vehicles. Travelers’ financial stability and attentive support ensure drivers feel secure on the road.
Benefits & Drawbacks
⇅- Varied protection plans
- Access accident forgiveness easily.
- Replacement with a state-of-the-art car ✓
- Enhanced premium expenses
- Multi-layered policy approaches
- Extended turnaround for claims ✘
Best For New Cars
Key Statistics
Why We Like Them
⇅Chubb stands out as the top car insurance company for new car owners in Wisconsin, providing tailored coverage for high-value vehicles. The agreed value policy ensures policyholders are reimbursed the full insured amount in case of a total loss, protecting against depreciation. Additional features such as rental reimbursement, key replacement, and repair shop flexibility make Chubb a reliable choice. Coupled with excellent service and a hassle-free claims process, they provide unmatched protection for your new vehicle.
Benefits & Drawbacks
⇅- Policy with established value coverage
- Superior handling of claims
- Premium-grade policy features ✓
- Superior-cost pricing
- It's possible that there's an excessive amount of coverage.
- Reduced discount availability ✘
Best For Seniors
Key Statistics
Why We Like Them
⇅Allstate caters specifically to the needs of Wisconsin seniors with car insurance policies that include senior discounts, accident forgiveness, and safe driving rewards. Their accessible tools and dedicated customer service create an easy, reliable insurance experience for older drivers.
Benefits & Drawbacks
⇅- Personalized price cuts for seniors
- We offer forgiveness for accidents
- All-encompassing mobile application ✓
- Upsurged insurance dues
- Changing degrees of customer service reliability
- Understanding policy options requires grappling with complexity. ✘
Best For Driving Violations
Key Statistics
Why We Like Them
⇅For Wisconsin residents with a less-than-perfect driving history, AAA’s car insurance offers tailored solutions. Accident forgiveness and defensive driving discounts make it easier to manage costs while encouraging safer habits, making it a strong choice for high-risk drivers.
Benefits & Drawbacks
⇅- Overlooking the first incident
- Deals for Driving Defensively
- Tailored insurance packages for drivers with challenging driving records. ✓
- Hiked rates for infractions
- Modest selection of coverage options
- Membership is compulsory. ✘
Best For Families With Teens
Key Statistics
Why We Like Them
⇅Farmers Insurance is ideal for Wisconsin families with teenage drivers, offering customizable policies and discounts for good students and safe driving. These features ensure affordability while encouraging teens to develop safe driving habits.
Benefits & Drawbacks
⇅- Special pricing for students with good academic standing
- Personalized insurance selections
- Academic support for adolescents ✓
- Possibility of elevated insurance premiums
- Inequality in customer service experiences
- Multi-faceted policy frameworks ✘
Best For Customer Service
Key Statistics
Why We Like Them
⇅Known for its customer-focused approach, State Farm offers Wisconsin drivers personalized insurance solutions through its network of local agents. Their commitment to efficient claims processing and client satisfaction sets them apart.
Benefits & Drawbacks
⇅- Pricing designed to compete
- Diverse range of insurance options
- Exceptional client satisfaction ✓
- Not the most cost-effective choice.
- Sparse technological tools
- Premiums escalate after claims are processed. ✘
Best For Young Adults
Key Statistics
Why We Like Them
⇅Amica combines affordability and quality service, making it the best car insurance provider for young adults in Wisconsin. With discounts for good grades and safe driving, they help younger drivers save while enjoying comprehensive coverage.
Benefits & Drawbacks
⇅- Budget-friendly choices for the young adult demographic.
- Exceptional customer treatment
- Fast settlement of claims ✓
- Meager physical positions
- Limited high-risk insurance offerings
- Discounts are not influenced by how much you use the service. ✘
Best For Budget Option
Key Statistics
Why We Like Them
⇅Wisconsin drivers looking for affordable car insurance should consider Wawanesa. Its competitive pricing, transparent policies, and efficient claims handling make it the go-to option for budget-conscious individuals.
Benefits & Drawbacks
⇅- Affordable options
- Steady customer happiness
- Convenient claims processing ✓
- Scant insurance alternatives
- There's a reduced variety of discounts available.
- Restrictions linked to regional distribution ✘
How To Find The Best Car Insurance
Finding the best car insurance policy in Wisconsin depends on understanding your needs and the law. Check your state’s liability minimums to ensure compliance, but also think about whether they’re enough for full protection. Lenders for financed or leased vehicles often require collision and comprehensive insurance.
Evaluate your situation based on your driving habits, car’s value, and how much risk you’re comfortable with. Uninsured motorist and personal injury coverage might be important in areas with many uninsured drivers. Shopping around for quotes ensures you’ll get the right coverage at a reasonable cost.
Average Cost Of Car Insurance In Wisconsin
Quadrant Information Services estimates that the average cost of full car insurance coverage in Wisconsin is about $156 per month or $1,872 per year, while the national average is $205 monthly or $2,460 annually.
| COMPANY | FULL COVERAGE |
| Nationwide | $1,289 |
| Erie Insurance | $1,315 |
| Progressive | $2,130 |
| Travelers | $1,094 |
| GEICO | $1,198 |
Average Car Insurance Rates In Wisconsin – By City
| City | Average Premium |
| Madison | $1,200 |
| Kaukauna | $1,325 |
| Green Bay | $1,327 |
| Milwaukee | $2,040 |
| Neenah | $1,308 |
| Springbrook | $1,995 |
| Spooner | $1,990 |
| Radisson | $1,988 |
| Webster | $2,035 |
| Milwaukee | $2,015 |
Average Car Insurance Rates In Wisconsin – By Age
| Age | Average full coverage rate | Average minimum coverage rate |
|
16
|
$4,015
|
$1,072
|
|
18
|
$5,858
|
$1,546
|
|
20
|
$4,442
|
$1,064
|
|
25
|
$2,458
|
$575
|
|
30
|
$2,032
|
$466
|
|
40
|
$1,895
|
$442
|
|
50
|
$1,747
|
$419
|
|
60
|
$1,672
|
$414
|
|
70
|
$1,828
|
$477
|
Minimum Car Insurance Requirements In Wisconsin
Wisconsin’s minimum car insurance rules require $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 for property damage, ensuring drivers are financially prepared for accidents.
How To Buy Car Insurance In Wisconsin
Follow these five steps to purchase the most appropriate car insurance in Wisconsin for your needs.
Assess Your Coverage Needs
Begin by reviewing your vehicle’s worth, driving routine, and financial stability to determine your insurance needs. Consider if you should stick to minimum liability or include additional coverage options like collision and comprehensive insurance.
Research Potential Insurers
Investigate various Wisconsin car insurers to evaluate how they treat customers, handle claims, and manage their financial stability. Use online reviews, ratings from independent agencies like J.D. Power, and feedback from current and former policyholders to assess each insurer’s reliability.
Gather Necessary Information
Collect all necessary details such as your driver’s license number, vehicle registration, driving record, and any relevant documents that could influence your rates before requesting quotes. This will expedite the quoting process and ensure you receive accurate pricing
Compare Quotes
Use Insuranceopedia to gather quotes from different insurers and choose the most beneficial coverage for your situation.
Purchase the Policy
After selecting the insurer that offers the best coverage for the best price, proceed to purchase the policy. Most insurers now allow you to do this online or over the phone, making it convenient to get coverage immediately. After buying, be sure to print your insurance cards and any other necessary documents.
Our Methodology
Our dedication to delivering precise insurance company ratings drives our comprehensive methodology. We assess multiple insurers, gathering insights from various trusted review sites. Key metrics from industry leaders such as A.M. Best and J.D. Power are also integral to our assessments. With 15 years of experience as an insurance agent, including extensive work in Wisconsin, I bring firsthand knowledge to enrich our analysis. This rigorous process, incorporating data from reputable review sources, ensures our ratings are reliable, guiding your insurance decisions with confidence.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
Brands Reviewed
FAQs
Who is the most trusted car insurance company?
It’s evident from our research that State Farm and Wawanesa are highly regarded for their car insurance offerings in Wisconsin.
How much car insurance do I need?
Determining your car insurance needs depends on factors such as Wisconsin’s minimum requirements, the value of your car, and your personal financial situation. Evaluate liability, collision, and comprehensive coverage for adequate protection.
Why is car insurance so expensive?
Auto insurance costs can be high because of factors like the level of coverage, your driving history, the type of vehicle you drive, your location, and external factors such as inflation and increasing repair expenses.
About Bob Phillips
