Wisconsin’s average car insurance rate is 21% cheaper than the national average. Car insurance fluctuates with location and age. One speeding ticket can significantly increase your auto insurance rates depending on your driving record. Most drivers with DUIs, recent crash histories, or fines need help looking for affordable rates to cover their vehicles. In this article, you will learn about the cheapest car insurance in Wisconsin. With the proper research and guidelines, you can find a suitable deal to protect yourself and your car.
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What is the cheapest car insurance in Wisconsin?
Among other insurance providers in Wisconsin, Erie has the cheapest insurance rates at a $986 yearly average. One can find better coverage rates and save a ton by missing good driving records. You can avoid fines and license suspension with timely renewal insurance and registration. Wisconsin is among the cheapest states when it comes to auto insurance policies. It is better to drive safely to ensure your premium rates are within your budget.
How we chose the cheapest companies in Wisconsin
One can select the cheapest insurance claim by looking at various insurance providers closely. Your premium amounts depend on your driving record, car type, age, and location. Wisconsin is among the cheapest states for insurance coverage for cars. Multiple companies offer extensive discounts and affordable auto insurance rates to drivers.
Comparing car insurance quotes can help you zero in on the best deal that falls within your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.
Cheap car insurance in Wisconsin
Most experts claim that it is better to have coverage over the minimum required levels. This compulsory liability claim only protects and covers the victim and property damages. It can become a burden on your pocket if you are at fault. Many insurance companies also provide cheap yet full-coverage auto insurance in Wisconsin. You can select the one that suits your budget and protects you overall.
Wisconsin Rates for Teen Drivers
Most companies offer cheaper auto insurance to female teens than males. Teen drivers have zero or minimal driving experience, making them risky drivers. Also, with their income sources, they can miss insurance premiums. One can find the right teen insurance provider by looking for affordable rates in Wisconsin. With time, the rates drop for you as you reach your 30s.
Cheapest for 20-year-old drivers
Young drivers in their 20s are less likely to have experience and maturity than adults. It makes them risky; hence, insurance rates are higher. With time, premium rates reduce as drivers become well-adjusted to driving. Despite this, some insurance providers offer quite attractive deals for young drivers.
Cheapest full coverage car insurance in Wisconsin for 20-year-olds
Here are the companies that offer full coverage insurance for young drivers with clean records.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Secura | $1,996 | $166 |
| Erie | $2,082 | $174 |
| Integrity | $2,093 | $174 |
| Geico | $2,156 | $180 |
| Pekin | $2,454 | $205 |
Cheapest minimum coverage car insurance in Wisconsin for 20-year-olds
Insurance providers that offer minimum coverage insurance rates for drivers in their 20s are below:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $322 | $27 |
| Erie | $451 | $38 |
| Geico | $527 | $44 |
| Western National | $626 | $52 |
| IMT | $650 | $54 |
Cheapest auto insurance in Wisconsin for 20-year-olds with poor credit
Drivers with poor credit find difficulty in getting the cheapest rates for auto insurance. Here are some insurance providers that offer affordable rates for such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $444 | $37 |
| Geico | $835 | $70 |
| IMT | $954 | $79 |
| Travelers | $966 | $81 |
| Erie | $981 | $82 |
Cheapest auto insurance in Wisconsin for 20-year-olds with one speeding ticket
Drivers who seek auto insurance with speeding tickets can look at the insurance companies below for affordable rates.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $350 | $29 |
| Erie | $521 | $43 |
| Geico | $594 | $50 |
| Western National | $626 | $52 |
| Rural Mutual | $748 | $62 |
Cheapest auto insurance in Wisconsin for 20-year-olds with one at-fault crash
Drivers recently involved in accidents are worried about finding cheap auto insurance. Here are some companies that offer suitable rates for such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $380 | $32 |
| Erie | $571 | $48 |
| Western National | $626 | $52 |
| Geico | $693 | $58 |
| Rural Mutual | $748 | $62 |
Cheapest auto insurance in Wisconsin for 20-year-olds after a DUI
Drivers with DUI can look for affordable auto insurance rates for the following providers.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $335 | $28 |
| Western National | $626 | $52 |
| Erie | $676 | $56 |
| Progressive | $782 | $65 |
| Geico | $891 | $74 |
Cheapest for 30-year-old drivers
Drivers are much more experienced by the time they reach their 30s. Factors like driving records, premium payments, and document maintenance are also deciding parameters in premium rates for auto insurance. Many insurance providers offer quite affordable deals for drivers in their 30s.
Cheapest full coverage car insurance in Wisconsin for 30-year-olds
Most drivers select full coverage auto insurance for maximum protection. Here are some of the cheapest insurance rates in Wisconsin.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $1,051 | $88 |
| Secura | $1,053 | $88 |
| Erie | $1,058 | $88 |
| Hastings Mutual | $1,102 | $92 |
| West Bend | $1,201 | $100 |
Cheapest minimum coverage car insurance in Wisconsin for 30-year-olds
Here are some auto insurance providers that offer the most affordable rates for minimum coverage:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $171 | $14 |
| Erie | $242 | $20 |
| Geico | $279 | $23 |
| Western National | $279 | $23 |
| IMT | $332 | $28 |
Cheapest auto insurance in Wisconsin for 30-year-olds with poor credit
Drivers with poor credit can find affordable auto insurance rates at the following insurance companies:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,406 | $117 |
| Integrity | $1,644 | $137 |
| Secura | $1,672 | $139 |
| Geico | $2,000 | $167 |
| State Farm | $2,090 | $174 |
Cheapest auto insurance in Wisconsin for 30-year-olds with one speeding ticket
Drivers with speeding tickets often struggle with high insurance rates. Here are some providers that provide affordable rates to such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $198 | $17 |
| Erie | $265 | $22 |
| Western National | $279 | $23 |
| Geico | $320 | $27 |
| IMT | $402 | $34 |
Cheapest auto insurance in Wisconsin for 30-year-olds with one at-fault crash
If you have been involved in accidents recently, your premium rates might increase significantly. Here are some insurance providers that offer the cheapest auto insurance rates for those drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,102 | $92 |
| Integrity | $1,387 | $116 |
| Erie | $1,451 | $121 |
| Secura | $1,642 | $137 |
| West Bend | $1,654 | $138 |
Cheapest auto insurance in Wisconsin for 30-year-olds after a DUI
Drivers with a history of DUI can find cheap auto insurance rates at the following insurance providers in Wisconsin:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $1,203 | $100 |
| Erie | $1,703 | $144 |
| Travelers | $1,995 | $166 |
| West Bend | $2,225 | $185 |
| Secura | $2,226 | $186 |
Cheapest for 40-year-old drivers
Drivers in their 40s enjoy affordable insurance rates compared to other younger adults. Drivers usually seek better insurance rates when their premium rates increase due to impaired driving history. Despite lower insurance rates, drivers in this age group pay much higher rates than older groups.
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Cheapest full coverage car insurance in Wisconsin for 40-year-olds
Here are the companies that offer full coverage insurance for drivers with clean records.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $950 | $79 |
| Erie | $959 | $80 |
| Secura | $1,009 | $84 |
| Hastings Mutual | $1,054 | $88 |
| West Bend | $1,115 | $93 |
Cheapest minimum coverage car insurance in Wisconsin for 40-year-olds
Insurance providers that offer minimum coverage insurance rates for drivers in their 40s are below:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $161 | $13 |
| Erie | $218 | $18 |
| Western National | $256 | $21 |
| Geico | $278 | $23 |
| IMT | $306 | $26 |
Cheapest auto insurance in Wisconsin for 40-year-olds with poor credit
Drivers with poor credit find difficulty in getting the cheapest rates for auto insurance. Here are some insurance providers that offer affordable rates for such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,338 | $112 |
| Integrity | $1,477 | $123 |
| Secura | $1,585 | $132 |
| Geico | $1,949 | $162 |
| Travelers | $1,959 | $163 |
Cheapest auto insurance in Wisconsin for 40-year-olds with one speeding ticket
Drivers who seek auto insurance with speeding tickets can look at the insurance companies below for affordable rates.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $189 | $16 |
| Erie | $237 | $20 |
| Western National | $256 | $21 |
| Geico | $321 | $27 |
| IMT | $370 | $31 |
Cheapest auto insurance in Wisconsin for 40-year-olds with one at-fault crash
Drivers recently involved in accidents are usually worried about finding cheap auto insurance. Here are some companies that offer suitable rates for such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,054 | $88 |
| Integrity | $1,283 | $107 |
| Erie | $1,294 | $108 |
| West Bend | $1,535 | $128 |
| Secura | $1,561 | $130 |
Cheapest auto insurance in Wisconsin for 40-year-olds after a DUI
Drivers with DUI can look for affordable auto insurance rates for the following providers.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $1,096 | $91 |
| Erie | $1,538 | $128 |
| Travelers | $1,883 | $157 |
| West Bend | $2,076 | $173 |
| Secura | $2,115 | $176 |
Cheapest for 50-year-old drivers
Drivers in this age group can benefit from the best of both worlds. They have the best insurance rates for both younger adults and older adults. They have a sufficient driving history to claim they are safe drivers and have experience selecting the correct type of insurance to provide enough car coverage. Most drivers in their 50s seek more coverage as they reach their 60s.
Cheapest full coverage car insurance in Wisconsin for 50-year-olds
Most drivers select full coverage auto insurance for maximum protection. Here are some of the cheapest insurance rates in Wisconsin.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Erie | $886 | $74 |
| Integrity | $915 | $76 |
| Secura | $953 | $79 |
| Hastings Mutual | $1,008 | $84 |
| West Bend | $1,044 | $87 |
Cheapest minimum coverage car insurance in Wisconsin for 50-year-olds
Here are some auto insurance providers that offer the most affordable rates for minimum coverage:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $154 | $13 |
| Erie | $201 | $17 |
| Western National | $233 | $19 |
| Geico | $273 | $23 |
| IMT | $282 | $24 |
Cheapest auto insurance in Wisconsin for 50-year-olds with poor credit
Drivers with poor credit can find affordable auto insurance rates at the following insurance companies:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,284 | $107 |
| Integrity | $1,407 | $117 |
| Secura | $1,512 | $126 |
| West Bend | $1,866 | $156 |
| Geico | $1,875 | $156 |
Cheapest auto insurance in Wisconsin for 50-year-olds with one speeding ticket
Drivers with speeding tickets often struggle with high insurance rates. Here are some providers that provide affordable rates to such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $181 | $15 |
| Erie | $219 | $18 |
| Western National | $233 | $19 |
| Geico | $314 | $26 |
| IMT | $340 | $28 |
Cheapest auto insurance in Wisconsin for 50-year-olds with one at-fault crash
If you have been involved in accidents recently, your premium rates might increase significantly. Here are some insurance providers that offer the cheapest auto insurance rates for those drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,008 | $84 |
| Erie | $1,190 | $99 |
| Integrity | $1,244 | $104 |
| West Bend | $1,437 | $120 |
| Secura | $1,489 | $124 |
Cheapest auto insurance in Wisconsin for 50-year-olds after a DUI
Drivers with a history of DUI can find cheap auto insurance rates at the following insurance providers in Wisconsin:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $1,058 | $88 |
| Erie | $1,407 | $117 |
| Travelers | $1,827 | $152 |
| West Bend | $1,928 | $161 |
| Progressive | $1,978 | $165 |
Cheapest for 60-year-old drivers
With the age reaching 60, most insurance rates increase significantly. However, one can use several available senior citizen discounts to reduce auto insurance rates. Most drivers in their 60s are not risky, but as they are on the verge of retirement, they usually lack a uniform income source. One can select many other benefits as well, which are senior citizen-centric.
Cheapest full coverage car insurance in Wisconsin for 60-year-olds
Full coverage insurance provides overall protection to you and your car. Here are some affordable auto insurance providers in Wisconsin.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Erie | $838 | $70 |
| Integrity | $897 | $75 |
| Secura | $946 | $79 |
| Hastings Mutual | $966 | $81 |
| West Bend | $988 | $82 |
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Cheapest minimum coverage car insurance in Wisconsin for 60-year-olds
Here are some insurance providers that offer the cheapest minimum coverage in Wisconsin:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $156 | $13 |
| Erie | $198 | $16 |
| Western National | $222 | $19 |
| Geico | $275 | $23 |
| IMT | $284 | $24 |
Cheapest auto insurance in Wisconsin for 60-year-olds with poor credit
Drivers with poor credit who are in their 60s can select the following auto insurance providers in Wisconsin for cheap rates.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,222 | $102 |
| Integrity | $1,371 | $114 |
| Secura | $1,502 | $125 |
| Travelers | $1,726 | $144 |
| State Farm | $1,765 | $147 |
Cheapest auto insurance in Wisconsin for 60-year-olds with one speeding ticket
Drivers with speeding tickets have higher insurance rates. Here are some insurance providers that offer affordable rates to such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $183 | $15 |
| Erie | $215 | $18 |
| Western National | $222 | $19 |
| Geico | $316 | $26 |
| IMT | $343 | $29 |
Cheapest auto insurance in Wisconsin for 60-year-olds with one at-fault crash
Drivers involved in recent car crashes can select the following cheap auto insurance providers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $966 | $81 |
| Erie | $1,147 | $96 |
| Integrity | $1,233 | $103 |
| West Bend | $1,359 | $113 |
| Secura | $1,493 | $124 |
Cheapest auto insurance in Wisconsin for 60-year-olds after a DUI
Here are some affordable auto insurance coverage for drivers after a DUI:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Integrity | $1,043 | $87 |
| Erie | $1,368 | $114 |
| Travelers | $1,712 | $143 |
| West Bend | $1,885 | $157 |
| Progressive | $1,895 | $158 |
Cheapest for 70-year-old drivers
Usually, drivers face a hike in auto insurance rates by the time they reach the 70s. It is more convenient to find cheaper rates by quoting multiple companies and finding the best deals. One can also avail discounts for senior citizens to reduce auto insurance premiums.
Cheapest full coverage car insurance in Wisconsin for 70-year-olds
Full coverage insurance provides overall protection to you and your car. Here are some affordable auto insurance providers in Wisconsin.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Rural Mutual | $904 | $75 |
| Erie | $961 | $80 |
| Secura | $1,066 | $89 |
| West Bend | $1,072 | $89 |
| Travelers | $,136 | $95 |
Cheapest minimum coverage car insurance in Wisconsin for 70-year-olds
Here are some insurance providers that offer the cheapest minimum coverage in Wisconsin:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Erie | $223 | $19 |
| Integrity | $229 | $19 |
| Rural Mutual | $258 | $22 |
| Western National | $297 | $25 |
| IMT | $309 | $26 |
Cheapest auto insurance in Wisconsin for 70-year-olds with poor credit
Drivers with poor credit who are in their 60s can select the following auto insurance providers in Wisconsin for cheap rates.
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Hastings Mutual | $1,532 | $128 |
| Rural Mutual | $1,535 | $128 |
| Secura | $1,694 | $141 |
| State Farm | $1,795 | $150 |
| Integrity | $1,812 | $151 |
Cheapest auto insurance in Wisconsin for 70-year-olds with one speeding ticket
Drivers with speeding tickets have higher insurance rates. Here are some insurance providers that offer affordable rates to such drivers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Erie | $243 | $20 |
| Integrity | $254 | $21 |
| Rural Mutual | $280 | $23 |
| Western National | $297 | $25 |
| Geico | $368 | $31 |
Cheapest auto insurance in Wisconsin for 70-year-olds with one at-fault crash
Drivers involved in recent car crashes can select the following cheap auto insurance providers:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Rural Mutual | $990 | $83 |
| Hastings Mutual | $1,204 | $100 |
| Erie | $1,320 | $110 |
| West Bend | $1,470 | $123 |
| Integrity | $1,504 | $125 |
Cheapest auto insurance in Wisconsin for 70-year-olds after a DUI
Here are some affordable auto insurance coverage for drivers after a DUI:
| Insurance Companies | Premium Rates Every Year | Premium Rates Per Month |
| Rural Mutual | $1,204 | $103 |
| Integrity | $1,331 | $111 |
| Erie | $1,578 | $132 |
| Travelers | $1,907 | $159 |
| Progressive | $2,021 | $168 |
How Much Is Full Coverage Car Insurance in Wisconsin?
Most drivers pay around $1000 for full coverage auto insurance in the state. Among other insurance companies, Geico offers the best rates for all age groups regarding full coverage insurance. Full coverage insurance is not compulsory under the law but provides extra protection to you and your vehicle.
Most drivers consider comprehensive or collision coverage an excellent safety precaution in addition to liability coverage. However, the insurance rates depend on a variety of factors. One must consider all parameters before selecting any coverage to ensure one can find the right fit.
Average annual car insurance rates in Wisconsin by company
Drivers in Wisconsin have more advantages than the rest of the states. The average insurance rate is around $900. Depending on driving record, age, and gender, some might pay more premiums than others. Also, the type of coverage one selects, as well as previous accidents and speeding tickets, add to insurance rates.
How Much Is Liability-Only Coverage Car Insurance in Wisconsin?
A driver’s minimum coverage in Wisconsin is around $400 annually. This liability-only coverage covers $25,000 per person for bodily injuries and up to $10,000 for property damages.
If an accident involves more than one victim, insurance covers for damages up to $50,000. Most drivers opt for more coverage than this as it does not cover damages to their cars. Also, liability coverage is liability coverage for victims only.
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Minimum car insurance requirements in Wisconsin
Minimum liability coverage is a must for drivers in Wisconsin. Such insurance is much cheaper than full coverage rates. Such insurance only applies to victims and will not cover damages for you or your car if you are at fault. Usually, the minimum coverage insurance includes the following:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage per accident
- $25,000 for uninsured motorist bodily injury (per head)
- $50,000 for uninsured motorist bodily injury (per accident)
Tips for How to Get Cheap Car Insurance in Wisconsin
Here are some tips one can follow to find the right auto insurance in Wisconsin:
- Always select the insurer that provides different coverages so you can choose the correct type of coverage.
- Ensure that your premium rates are pocket-friendly and not over your budget. You might need more premium payments, and that can affect your insurance.
- Always compare your insurance company on various parameters to find the right fit.
- Even if you cannot afford much, always have the minimum required coverage in the state. Otherwise, you can even face prison time and fines up to $500.
- Starting the insurance journey with smaller premiums and increasing overall coverage with time is better.
No-fault insurance in Wisconsin
Wisconsin does not offer no-fault insurance to drivers. In case of an accident, drivers are responsible and have to pay for damages. No-fault insurance protects drivers from accidents with an underinsured or uninsured driver. It might be optional coverage, but it is better to consider it.
Conclusion
Minimum coverage for victims is a compulsory requirement for drivers in Wisconsin. Most drivers, however, consider buying a more comprehensive coverage to ensure proper safety. Minimum coverage liability insurance is cheaper and covers medical, property, and legal fees for victims by the at-fault driver.
Extensive research and comparison are essential to get a fair deal when looking at options for the cheapest car insurance in Wisconsin. With increasing age, your driving experience improves; hence, insurance is cheaper for adults than teens. One must ensure sufficient accident coverage to protect themselves from a costly incident.
Remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others.
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FAQs
Is car insurance required in Wisconsin?
Yes, motor vehicle liability insurance is compulsory for all drivers in Wisconsin. One will be charged a fine of up to $500 if drivers fail to provide proof of insurance.
Which cars are required to be insured in Wisconsin?
All cars that are operational in the state must be insured and registered. It is the driver’s responsibility to maintain insurance.
When should I get car insurance in Wisconsin?
Buying auto insurance when you buy your car or when it expires is best. If pulled over without car insurance, you can even lose your license.
How much car insurance do I need in Wisconsin?
The minimum coverage necessary for a driver includes $25,000 per head for bodily injuries and $50,000 for two or more injuries. Also, one must cover about $10,000 in property damages involved in the accident.
How much is car insurance in my city in Wisconsin?
Most drivers in Wisconsin pay around $1000 for full coverage auto insurance.
What happens if my car is not insured correctly in Wisconsin?
One can lose their licensing, registration, and a fine of $500 if they fail to ensure their car properly. If you are a repeat offender, the punishment is relatively harsher.
Is Wisconsin a no-fault state?
No, Wisconsin does not have a no-fault policy. It means the one guilty of an accident must also cover for victims’ bodily injuries and property damages.
Do I need uninsured motorist coverage in Wisconsin?
Yes, one must also provide coverage for uninsured motorists of $25,000 per person and $ 50,000 in case of more than one casualty or injury.
Is liability insurance required in Wisconsin?
Yes, liability coverage is a must-have for drivers in Wisconsin. If drivers fail to provide proof of that, they might be charged a fine of up to $500.
Does Wisconsin accept digital insurance cards?
Yes, drivers can show their proof of insurance in either digital or printed form.
Is insurance expensive in Wisconsin?
No, insurance is much less in Wisconsin overall. The yearly average of auto insurance is less than $1000.
What’s the average cost of car insurance in Wisconsin?
The usual cost any driver pays in auto insurance is about $1600 in Wisconsin. If the vehicle owner has a bad driving record, their average is much higher than the others.
