Cheapest auto insurance in Wisconsin for 2021

 In 2019, the most recent year for which data is available, the state of Wisconsin saw over 145,000 car accidents that injured nearly 29,000 people. Over 500 people were tragically killed. Car insurance is required by law if you live in Wisconsin. Not only will having a policy allow you to drive legally, but it will also provide you with financial protection if you cause an accident.

Cheapest auto insurance in Wisconsin for 2021

In Wisconsin, drivers pay an average of $332 per year for minimum coverage and $1,186 per year for full coverage. If you're looking for cheap car insurance in Wisconsin, knowing which companies have low average rates can help. Bankrate's insurance editorial team researched the cheapest auto insurance in Wisconsin to help you find coverage that fits your budget.

Cheapest auto insurance in Wisconsin

In order to find the cheapest auto insurance in Wisconsin, we first obtained current premium information for the state's largest insurance companies based on market share from Quadrant Information Services. We also looked at third-party ratings, coverage options, and available discounts. According to our research, the following companies are among the most affordable in Wisconsin:


USAA only sells car insurance to military personnel, their families, and veterans. If you qualify for coverage, you may be able to get some of the most affordable rates in Wisconsin. Furthermore, USAA consistently receives high customer satisfaction ratings, despite the fact that the carrier is not eligible for official ranking due to eligibility restrictions
Drivers who switch to USAA save an average of $700 per year. The company also provides discounts for being a good student, parking a vehicle on a military base, insuring a new vehicle, taking a driver training course, driving less than a certain number of miles per year, and being a long-time customer.


Erie is known for providing comprehensive coverage, great discounts, and low rates. Erie's average premiums for both minimum coverage and full coverage are lower than Wisconsin's average rates. If you prefer to handle your insurance needs in person, Erie sells its insurance through a nationwide network of 13,000 agents.

You may be eligible for discounts from Erie if you insure multiple vehicles, are a young driver, drive infrequently, own a vehicle equipped with safety features, and pay your annual premium in full. Erie also offers a "Rate Lock Guarantee" and a disappearing deductible programme, which may complement your policy.


Geico's average full coverage premium is the highest on our list, but it is still lower than Wisconsin's average full coverage premium. Geico is also well-known for providing a variety of discounts that may assist you in saving money. You may be able to save money if you are a member of the military, a federal employee, have certain safety features on your car, or insure more than one car or policy.

Geico may be a good option if you prefer to manage your insurance needs digitally. The company's mobile app has received high ratings on both the App Store and Google Play. You can use the app to file a claim, request roadside assistance, view your ID cards, and make changes to your policy.

State Farm

State Farm is a well-known insurance company in Wisconsin, and it is the largest provider in the country, accounting for 16.19 percent of the market. If you're looking for low-cost full coverage, State Farm may be a good option; the company shares the lowest-priced average full coverage rate on our list with USAA.

State Farm offers a variety of savings options, including two safe driver discounts programmes, Drive Safe & Save for adults and Steer Clear for drivers under the age of 25. Discounts are also available for good drivers, good students, bundling policies, insuring multiple vehicles, and being a student away at school.


Progressive is Wisconsin's largest personal auto insurer, writing nearly 20% of all private passenger auto policies. Progressive may be a good option if you want lower-than-average premiums along with a variety of coverage options and discounts.

Progressive provides options such as loan/lease payoff, custom parts and equipment coverage, and ridesharing coverage in addition to standard car insurance coverage. You may also be able to lower your premiums by having continuous insurance, getting a quote online, purchasing your policy online, insuring multiple vehicles, and using automatic payment withdrawals.

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