Cheapest Car Insurance In Wisconsin For 2024

It’s a challenge to find affordable car insurance in Wisconsin, but there are viable options. Erie provides competitive rates and reliable service, offering coverage from basic to comprehensive.

min read -
Published:
Written by Bob Phillips
On this page Open

With the cost of living increasing and numerous options available, it’s essential to secure car insurance that aligns with your budget and needs. Whether you’re a new driver, a daily commuter, or a family aiming to reduce insurance expenses, understanding the factors that impact your premiums and where to find the best deals is crucial. Leveraging over ten years of research on car insurance policies, I’ve compiled insights to help you navigate this intricate market.

This guide explores the specifics of car insurance in Wisconsin, analyzes the factors influencing prices, and provides practical advice on obtaining affordable coverage without compromising protection. Let’s embark on this journey to savings and uncover strategies for securing the cheapest car insurance in Wisconsin.

Cheapest Car Insurance Companies In Wisconsin

Cheapest Car Insurance In Wisconsin For Good Drivers

In Wisconsin, the amount you pay for car insurance is influenced by factors such as your driving history, age, and the type of coverage you’re seeking. Typically, if you have a clean driving record with no accidents, you’re likely to receive lower premiums because insurers see you as less of a risk.

Additionally, if you’ve maintained a good driving record over time, you may qualify for additional discounts. It’s wise for cautious drivers to compare quotes from various insurance providers to secure the most suitable coverage at the best price.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

Erie

$30

$358

GEICO

$60

$718

Progressive

$54

$646

Allstate

$90

$1,078

Cheapest Car Insurance In Wisconsin For Drivers With Poor Credit

Wisconsin drivers with poor credit scores can get the cheapest insurance rates through AAA, starting at around $55 each month.

Provider Average Monthly Cost Average Annual Cost
Kemper

$172

$2,062

Progressive

$182

$2,182

Allstate

$150

$1,798

Western National

$135

$1,618

AAA

$55

$658

The expense of car insurance is primarily affected by your credit score, which assists insurance companies in gauging your level of risk. A lower credit score indicates a higher probability of making claims, thus making you a riskier client to insure.

In Wisconsin, drivers with poor credit may experience higher insurance premiums compared to those with good credit. Insurers often factor in credit history when setting rates due to research suggesting a correlation between credit score and claim frequency. Individuals with poor credit may face difficulties in finding affordable insurance, but they can explore discounts and compare quotes from various insurers to secure better rates.

Cheapest Car Insurance In Wisconsin For Seniors

AAA delivers economical insurance plans crafted for seniors in Wisconsin, starting at approximately $52 per month on average.

Provider Average Monthly Cost Average Annual Cost

Kemper

$122

$1,462

Chubb

$75

$898

West Bend Mutual

$79

$946

State Farm

$100

$1,198

AAA

$52

$622

Elderly individuals could be eligible for decreased car insurance premiums as they’re often seen as experienced and careful drivers, resulting in fewer accidents. Moreover, since many seniors drive less frequently, their risk of accidents and insurance claims is lower.

Some insurance companies offer tailored discounts for senior drivers, considering factors such as age, driving patterns, and completion of safety programs for older adults. Many insurers encourage seniors to take defensive driving courses by providing discounts upon completion, aiming to refresh driving skills and promote safer driving habits in older populations.

 

Cheapest Car Insurance In Wisconsin For Young Drivers

Young adults typically pay less for car insurance in Wisconsin compared to teenagers. This is because as people get older, they tend to drive more cautiously, leading to fewer accidents and lower insurance payouts. Insurance providers consider this and offer reduced rates to young adults who have a history of safe driving.

Cheapest Wisconsin Car Insurance For 16-Year-Olds

For 16-year-olds, Secura’s insurance plans come at a decent price, averaging $315 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $328 $3,934
Geico $383 $4,594
West Bend $386 $4,630
Secura $315 $3,778
Auto Owners $320 $3,838

Cheapest Wisconsin Car Insurance For 17-Year-Olds

State Farm provides the best deal for insurance among 17-year-olds, with an average rate of around $226.

Provider Average Monthly Cost Average Annual Cost
Erie $244 $2,926
West Bend $256 $3,070
Geico $262 $3,142
State Farm $226 $2,710
Auto-Owners $232 $2,782

Cheapest Wisconsin Car Insurance For 18-Year-Olds

GEICO offers insurance policies tailored for 18-year-olds, with monthly premiums averaging around $180.

Provider Average Monthly Cost Average Annual Cost
Erie $212 $2,542
Auto-Owners $215 $2,578
American Family $232 $2,782
Geico $180 $2,158
State Farm $200 $2,398

Cheapest Wisconsin Car Insurance For 21-Year-Olds

Looking for cheap insurance at 21? GEICO’s got you covered, with an average monthly payment of $85.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $147 $1,762
American Family $152 $1,822
Erie Insurance $154 $1,846
Geico $85 $1,018
State Farm $136 $1,630

Cheapest Car Insurance In Wisconsin For Drivers With Prior Incidents

Getting inexpensive auto insurance in Wisconsin can be challenging for individuals with a track record of accidents, speeding tickets, or DUIs. These incidents designate them as risky drivers to insurance companies, increasing the likelihood of future claims.

This difficulty is compounded in Wisconsin due to the higher frequency of traffic accidents. Insurers utilize data to determine premiums, recognizing a connection between previous driving incidents and the likelihood of future claims.

Cheapest Car Insurance In Wisconsin After A Speeding Ticket

With an average cost of $100, Erie’s auto insurance is a popular option among drivers with speeding tickets who want an economical policy.

Provider Average Monthly Cost Average Annual Cost
Progressive $194 $2,326
State Farm $130 $1,558
Erie $100 $1,198
Allstate $210 $2,518
GEICO $190 $2,278

Cheapest Car Insurance In Wisconsin After An At-Fault Accident

Erie insurance is available at roughly $125, making it the prime option for drivers with accidents they caused. It’s the most economical choice for their circumstances.

Provider Average Monthly Cost Average Annual Cost
Allstate $290 $3,478
Acuity $204 $2,446
GEICO $275 $2,938
Erie $125 $1,498
Progressive $252 $3,022

Cheapest Car Insurance In Wisconsin For Drivers After A DUI

For drivers with a DUI, Erie’s car insurance comes in at around $150 on average, making it the most pocket-friendly choice.

Provider Average Monthly Cost Average Annual Cost
Erie $150 $1,798
Progressive $180 $2,158
GEICO $250 $2,998
American Family $200 $2,398
State Farm $204 $2,446

Cheapest Car Insurance In Wisconsin For Full Coverage

AAA offers the most wallet-friendly rates for full car insurance coverage in Wisconsin, kicking off at around $50 per month on average.

Provider Average Monthly Cost Average Annual Cost

Progressive

$114

$1,366

State Farm

$87

$1,042

Allstate

$90

$1,078

AAA

$50

$598

Farmers

$110

$1,318

Wisconsin’s full coverage auto insurance offers thorough protection for drivers and their vehicles. In addition to the required liability coverage, it includes collision and comprehensive insurance.

Collision coverage handles repair expenses for your vehicle post-collision, regardless of who’s at fault. On the other hand, comprehensive coverage deals with damages caused by theft, vandalism, fire, or natural disasters.

This insurance type provides peace of mind by ensuring broad financial protection in different scenarios, covering both your vehicle and others involved in an accident. However, it’s crucial to carefully assess your policy to understand coverage limits and deductibles for adequate protection.

Cheapest Car Insurance In Wisconsin For Minimum Coverage

In Wisconsin, Erie is known for its wallet-friendly car insurance, with starting monthly payments usually around $30, making it a sensible choice for many drivers.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

Erie

$30

$358

GEICO

$60

$718

Progressive

$54

$646

Allstate

$90

$1,078

In Wisconsin, drivers must maintain a specific level of car insurance to legally drive their vehicles. This standard coverage typically includes liability insurance, which has two primary aspects: bodily injury liability and property damage liability.

Bodily injury liability coverage helps cover medical expenses, rehabilitation costs, and potential legal fees if you cause an accident that injures someone else. Property damage liability coverage, on the other hand, assists with the expenses of repairing or replacing another person’s vehicle or property if the accident is your fault.

The minimum coverage requirements in Wisconsin are determined by state law and can vary depending on factors such as your vehicle type and driving history. It’s important to carefully review these requirements and ensure you possess sufficient coverage to meet legal standards and protect yourself financially in case of an accident.

 

Average Cost Of Auto Insurance In Wisconsin – By Age

Age Average Monthly Cost Average Annual Cost
16 $705 $8,458
25 $165 $1,978
35 $145 $1,738
45 $137 $1,642
55 $125 $1,498

Average Cost Of Car Insurance In Wisconsin – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,890
Male Single $1,918
Female Married $1,598
Male Married $1,630

Average Cost Of Auto Insurance In Wisconsin – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $140 $1,678
Good $155 $1,858
Poor $170 $2,038

Cheapest Car Insurance In Wisconsin By City

City Average Monthly Cost Average Annual Cost
Franklin $100 $1,198
Oak Creek $100 $1,198
Brookfield $104 $1,246
Greenfield $110 $1,318
Wauwatosa $112 $1,342

Minimum Car Insurance Requirements In Wisconsin

Wisconsin mandates specific car insurance. It covers injuries and property damage in accidents. The standard is $25,000 for each person’s injury, $50,000 total for injuries in one accident, and $10,000 for property damage in one accident.

Wisconsin also requires Personal Injury Protection (PIP). This helps with medical bills and lost wages after an accident, regardless of fault. It’s a financial safety measure.

Alternatively, you can choose “Health Insurance Primary” (HIP). This means your health insurance pays for accident-related medical costs first, instead of PIP. But not all health plans qualify for HIP, so check with your provider.

Car Insurance Discounts In Wisconsin

When you’re shopping around for car insurance, it’s wise to seek out companies that provide personalized discounts based on your unique situation. Talking with your insurance agent can help you discover potential discounts that you might not be taking advantage of. The majority of major car insurance providers typically offer the following types of discounts:

  • Safe Driver Discount: If your driving record is free from accidents or traffic violations, you may qualify for this discount.
  • Multi-Vehicle Discount: Insuring multiple vehicles under one policy often leads to a discount, which can be more cost-effective than insuring each vehicle separately.
  • Bundling Discount: Many companies give discounts to customers who bundle their car insurance with other policies such as home or renters insurance.
  • Good Student Discount: Students who maintain good grades could be eligible for discounts on their car insurance premiums.
  • Defensive Driving Course Discount: Completing a defensive driving course can make drivers eligible for discounts on their insurance premiums. These courses teach skills that help drivers avoid accidents and minimize risks on the road.
 

Our Methodology

In my study, I systematically gathered and analyzed information about various car insurance companies and their services. Firstly, I identified crucial factors for assessment, such as coverage options, pricing details, customer satisfaction levels, and the financial stability of insurers. Then, I sourced data from trustworthy outlets like insurance company websites, consumer review platforms, and industry analyses.

Once all the data was compiled, I structured it and evaluated each insurance provider based on specific criteria, comparing coverage options, pricing structures, available discounts, and customer feedback to determine the pros and cons of each company.

122

Quotes Analyzed

15+

Years Of Industry Experience

37

Brands Reviewed

35+

Research Hours

FAQs

How much is car insurance a month in Wisconsin ?

The monthly price of car insurance in Wisconsin can change because of elements like the driver’s age, driving record, and the specific coverage they decide on.

What is the minimum car insurance one must have in Wisconsin ?

Wisconsin mandates that all car insurance policies must have liability coverage for injuries and property damage, and they must also include mandatory Personal Injury Protection (PIP) coverage.

Which insurance is better in Wisconsin ?

Picking the best insurance company in Wisconsin depends on what you like, how you drive, and what kind of insurance you need. It’s a good idea to get quotes from various insurers to find the right choice for your particular needs.

Go back to top