You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the proofreader. Our finish is to give you the best advice to help you make ache personal finance decisions. We follow rigid guidelines to ensure that our column contentedness is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. sol, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We measure your reliance. Our mission is to provide readers with accurate and indifferent data, and we have editorial standards in invest to ensure that happens. Our editors and reporters thoroughly fact-check editorial message to ensure the information you ’ ra read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a nonindulgent column policy, so you can trust that we ’ re putting your interests inaugural. Our award-winning editors and reporters create honest and accurate content to help you make the right field fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy beginning. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is properly for you. Bankrate follows a stern editorial policy, so you can trust that we ’ re putting your interests first. All of our contented is authored by highly qualify professionals and reviewed by topic matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long lead criminal record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making serve and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. In 2019, the most recent year with available data, the state of Wisconsin saw over 145,000 cable car crashes that injured about 29,000 people. tragically, over 500 people lost their lives. If you live in The Badger State, car insurance is a legal necessity. not only does having a policy mean you will be able to drive legally, but you will besides have fiscal protection should you cause an accident. On average, drivers in Wisconsin pay $332 annually for minimum coverage and $1,186 annually for full coverage. If you are shopping for cheap car insurance in Wisconsin, knowing what companies tend to offer first gear average rates might be helpful. Bankrate ’ s indemnity editorial team researched the cheapest car insurance in Wisconsin to help you find coverage that fits your budget .
The cheapest car insurance in Wisconsin
In our search for the cheapest car indemnity in Wisconsin, we first obtained current premium information from Quadrant Information Services for the largest policy companies in the state by market contribution. We besides reviewed third-party rankings, coverage offerings and available discounts. Based on our research, the take after companies are among the cheapest in Wisconsin :
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $199 | $785 |
| Erie | $218 | $922 |
| Geico | $227 | $1,031 |
| State Farm | $231 | $785 |
| Progressive | $277 | $919 |
USAA
USAA sells car indemnity entirely to military personnel, their families and veterans. If you qualify for coverage, you may be eligible for some of the cheapest rates in Wisconsin. additionally, USAA systematically receives high customer satisfaction scores from J.D. Power, although the carrier wave is not eligible for official rank due to its eligibility restrictions. On average, drivers who switch to USAA save over $ 700 per class. The party besides offers discounts for being a safe driver, being a good student, garaging a vehicle on a military base, insuring a new vehicle, taking a driver educate course, driving under a certain issue of miles each year and being a long-time customer. Learn more : USAA Insurance review
Erie
Erie is known for offering exhaustive coverage and great discounts plus low rates. Both Erie ’ s minimum coverage and full coverage average premiums are lower than Wisconsin ’ s average rates. Erie sells its insurance through a nationally network of 13,000 agents, which may be appealing if you like handling your insurance needs in person. With Erie, you may have access to discounts for insuring multiple vehicles, being a young driver, driving infrequently, having a car with condom equipment and paying your annual bounty in wide. Erie besides has a “ Rate Lock guarantee ” and a vanish deductible program that could round out your policy.
Learn more : Erie Insurance follow-up
Geico
Geico ’ second average broad coverage premium may be the highest on our list, but it is calm below Wisconsin ’ south average full moon coverage agio. Geico is besides well known for offering a wide crop of discounts that might help you save. You might be able to save for being a member of the military, being a federal employee, having certain safety features on your car and insuring more than one car or policy. If you like to handle your policy needs digitally, Geico may be a full option. The caller ’ sulfur mobile app is highly rated on both the App Store and Google Play. You can file a title, request wayside aid, see your ID cards and make changes to your policy, all from within the app. Learn more : Geico Insurance review
State Farm
express farm is a democratic policy ship’s company in Wisconsin, and it is the biggest supplier in the area, with 16.19 % of the market contribution. If you are looking for cheap full coverage, State Farm may be a good option ; the company ties with USAA for the lowest-priced average broad coverage pace on our list. State Farm offers many savings opportunities, including two safe driver discounts programs, Drive Safe & Save for adults and Steer Clear for drivers under 25. There are besides discounts for safe drivers, estimable students, bundling policies, insuring multiple vehicles and being a student away at school. Learn more : state farm Insurance review
Progressive
Progressive is the largest personal car insurance company in Wisconsin, writing about 20 % of all private passenger car policies. If you are looking for below-average premiums coupled with numerous coverage options and discounts, progressive might be a estimable choice. In addition to the standard car insurance coverage, Progressive offers options like loan/lease wages, custom parts and equipment coverage and ridesharing coverage. You may besides be able to reduce your premiums by having continuous insurance, getting your quotation mark on-line, buying your policy on-line, insuring multiple vehicles and taking advantage of automatic requital withdrawals. Learn more : liberal Insurance review
Minimum coverage requirements for Wisconsin drivers
car policy is a legal requirement in Wisconsin, as it is in most states. Drivers must carry at least 25/50/10 personal liability indemnity. This means that, to drive legally in Wisconsin, you must carry at least :
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $10,000 property damage
Drivers who purchase minimal coverage frequently pay some of the lowest rates. however, price is not the merely gene when purchasing an car indemnity policy. Wisconsin ’ s minimum indemnity necessity may not be enough to cover the broad cost of an at-fault accident. If you cause an accident and the cost of the damages and injuries exceeds your policy amount, you are responsible for those bills out of pocket. To better protect your finances, most policy agents recommend that you purchase higher liability limits if you are able to. additionally, minimum coverage indemnity does not include any coverage for your fomite. If you need or want coverage for your own vehicle you will need full coverage, which includes comprehensive and collision coverages. Talk to your agent regarding the proper level of insurance for your needs .
How to get cheap car insurance in Wisconsin
There are several ways that drivers can find bum car policy in Wisconsin. Besides choosing an low-cost provider, hera are some option ways to get cheap coverage :
- Get multiple quotes: Take your time evaluating insurance providers and get quotes from several companies. Comparing quotes side-by-side is one of the best ways to determine which company can give you the lowest rate for the coverage you need.
- Look for discounts: Look for insurance companies that offer discounts for which you qualify. Some common car insurance discounts include being claims-free, bundling policies and insuring multiple vehicles.
- Raise your credit score: Insurance companies look at your credit score when they calculate your premium. Improving your credit score might lower your car insurance premium.
- Take a driver training course: Many car insurance companies offer savings for drivers who complete an approved driving training or defensive driving course.
- Increase your deductibles: If you have full coverage, your auto policy has two deductibles: one for collision and one for comprehensive. When you opt for higher deductibles, your premium will generally decrease. However, it is important to be aware that your deductible is the amount that you will pay out of pocket if you file a claim for damage to your own vehicle. Choose a deductible that you feel comfortably paying if you are in an accident.
Although Wisconsin ’ s average premiums are lower than the home average, saving money may inactive be a priority for you. Utilizing these tips might help you find coverage for a price that fits your budget .
Frequently asked questions
What is the best car insurance in Wisconsin?
The best car indemnity company in Wisconsin will be unlike for each driver. It depends on your budget, the total of coverage you need and the type of coverage you need, deoxyadenosine monophosphate well as your personal military rank factors like your age, driving history and gender. You may want to shop around and compare providers based on their personal criteria to find the best match .
What is the average cost of car insurance in the U.S.?
In the United States, the average driver pays $ 1,674 per annum for wax coverage car insurance and $ 565 per annum for minimum coverage. In Wisconsin, the average driver pays $ 1,186 per year for fully coverage policy and $ 332 per annum for minimum coverage. Wisconsin drivers pay significantly less for car policy compared to the average american. The state is actually one of the cheapest states in the country for car insurance .
How do I get a car insurance quote in Wisconsin?
Getting a car policy quote is a relatively elementary march. Most policy companies have an free on-line quotation mark instrument, where you input some basic data about yourself and your vehicle, but you may besides need to call a company or visit a local means. Be prepared to provide your name, birthday and address, a well as your car ’ mho class, make, and exemplary, mileage, and vehicle identification number ( VIN ). You might besides be asked for your Social Security phone number, which is used to check your accredit score.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive read, good credit and the postdate wax coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each state ’ mho requirements. Our al-qaeda profile drivers own a 2019 Toyota Camry, change five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes .