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 expert advice and tools needed to succeed throughout animation ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the proofreader. Our goal is to give you the best advice to help you make bright personal finance decisions. We follow rigorous guidelines to ensure that our column content is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We prize your trust. Our mission is to provide readers with accurate and unbiased information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column contentedness to ensure the information you ’ ra reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive mastermind compensation from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ ra putting your interests inaugural. Our award-winning editors and reporters create honest and accurate subject to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer service, policy features and savings opportunities — sol you can feel confident about which provider is correct for you. Bankrate follows a nonindulgent column policy, so you can trust that we ’ ra putting your interests first. All of our content is authored by highly qualify professionals and reviewed by topic matter experts, who ensure everything we publish is aim, accurate and worthy of your believe. Founded in 1976, Bankrate has a long track record of helping people make bright fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people assurance in which actions to take adjacent. 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 data, please see our Insurance disclosure. Wisconsin is forever tied to automotive history ascribable to its engine plant in Kenosha dating back to 1902. nowadays, closely 4.3 million licensed drivers fill Wisconsin ’ s roads with vehicles, all insured under different car indemnity providers. On average, full coverage car insurance costs $1,186 per year in Wisconsin, according to 2021 data pulled from Quadrant Information Services. Based on rate data, coverage options and other factors, Bankrate’s top two picks for the best car insurance for Wisconsin drivers are USAA and Auto-Owners. While cable car insurance costs in Wisconsin are relatively humble on average, choosing the right car policy coverage may be particularly crucial for many motorists. According to the Wisconsin Division of Motor Vehicle, over 4,000 claims were made against uninsured motorists final class, leading to more than $ 23 million in damages and court fees. not having the proper car insurance can put you at fiscal hazard. As part of Bankrate ’ s deputation to make insurance accessible and easy to understand, we reviewed and collected rates from some of the best car indemnity companies in Wisconsin to help you narrow your search .
Best car insurance in companies in Wisconsin
To find the best car insurance in Wisconsin, our insurance editorial team began by determining the most popular providers in Wisconsin by grocery store share. We use entrust third-party consumer ratings from the 2020 J.D. Power Auto Claims Study to gauge customer satisfaction. We besides collected current quoted premiums from Quadrant Information Services and reviewed fiscal forte scores from AM Best, Standard and Poor ’ randomness and Moody ’ sulfur. last, we combined these data points into our proprietorship Bankrate Score — scored out of 5.0 points — which weighs a supplier ’ s performance to assess its competitiveness in the marketplace. From our research, USAA, Auto-Owners, Geico, Travelers and Allstate stand out for their great policy offerings in Wisconsin. *Not officially ranked by J.D. Power due to eligibility restrictions.
USAA
USAA may be the number one choice for military families in Wisconsin due to its low median premiums and dedicated coverage for military avail members. The company systematically earns high customer satisfaction scores and even earns our highest Bankrate sexual conquest from the providers mentioned. This is in no little separate due to its dependable claims handling and strong reputation in the insurance industry. Although membership and coverage eligibility with USAA depend on military association, for drivers who qualify, it could help to know that they are covered no matter where they are in the U.S. or flush while on deployment. Learn more: USAA Insurance review
Auto-Owners
Auto-Owners is the third-highest ranking company in the J.D. Power Auto Claims Study and ties for second base with two other top companies on our list, with a Bankrate Score of 4.6. Wisconsin policyholders are likely to find those competitive ranks translate to a convinced customer service experience and dependable claims processing. While alone offering coverage in 26 states, including Wisconsin, Auto-Owners is known for its “ No Problem ” service motto, meaning that Wisconsin drivers can take advantage of a choice customer know. additionally, there is a “ plus ” package for drivers to include multiple authoritative coverages in a single, competitively-priced policy. Learn more: Auto-Owners Insurance recapitulation
Geico
Geico systematically ranks as one of the best policy companies for low-cost premiums for all demographics, careless of credit score, driving history or location. coverage is relatively basic compared to other providers in terms of add-ons and supernumerary features. however, Geico customers have bountiful options for savings. For exercise, according to Geico, Wisconsin drivers may save up to 23 % on a share of their premium for having air bags or an anti-theft system installed. Geico is besides one of the few companies that include discounts for military personnel and federal employees. For standard car insurance, Wisconsin drivers may find Geico to be a bang-up option.
Learn more: Geico Insurance inspection
Travelers
alike to Geico, Travelers is an excellent choice for basic coverage and several discount options. It may be worth noting that Travelers does not rank as highly in customer claims atonement, with a score 10 points below the diligence median. however, as an indemnity company that offers one of the lowest median rates in the state based on quoted premiums, below-average customer atonement scores may not be the biggest concern for some Wisconsin drivers. Policyholders may besides gain extra confidence in knowing that, for two back-to-back years, Travelers has won a CIO 100 award, which recognizes organizations making valuable technical school innovations to drive business. Travelers ’ award in 2020 was extended for its exercise to make the underwrite serve more efficient and accurate. Learn more: Travelers Insurance review
Allstate
Coming in with the highest average annual rate on our list, Allstate offers assorted on-line tools to help customers get quotes, improve their drive and save money on their bounty. Policyholders rank Allstate ’ s claims processing above the diligence modal. however, the company besides has a slightly above-average complaint index, exceeding the diligence average of 1.0 by .3 points. While customers may want to be mindful of customer service experiences, Allstate ’ second policies are easily personalizable. They can be expanded to cover your vehicle ’ s sound systems, which includes larceny and wrong to video and good equipment. Learn more: Allstate Insurance review
Average car insurance cost in Wisconsin
In Wisconsin, the average annual monetary value of car indemnity is $ 1,186 for full coverage, or about $ 99 monthly, about $ 500 less than the national modal of $ 1,674 for fully coverage. minimum coverage in Wisconsin costs an median of $ 332 annually, which is besides well less than the national average of $ 565 annually .
| Average annual premium for minimum coverage in Wisconsin | Average annual premium for full coverage in Wisconsin |
|---|---|
| $332 | $1,186 |
Wisconsin ’ s low modal rates may be partially due to its lower risk of fatal accidents. The Insurance Institute for Highway Safety ( IIHS ) reported 566 fatalities resulting from car accidents in Wisconsin for 2019, which lands somewhere on the lower goal of the scale compared to some other states with a higher rate of car fatalities. furthermore, only 38 % of Wisconsin accidents resulting in passenger fatality included delirious passengers. This is well lower than some states, like New Hampshire, where unrestrained occupants made up 62 % of passenger fatalities .
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Wisconsin city Average annual premium for full coverage Average annual premium for minimum coverage Green Bay, Wisconsin $972 $322 Kenosha, Wisconsin $1,185 $435 Madison, Wisconsin $1,025 $329 Milwaukee, Wisconsin $1,525 $533
How to find the best car insurance in Wisconsin
When it comes to finding great car policy, Wisconsin drivers will find that the right supplier largely depends on individual circumstances. Everyone ’ sulfur fiscal video and indemnity history search different. Because of this, drivers may even find that the best insurance provider for them changes every then much because of changing personal circumstances. however, there are at least three steps any person can take to begin narrowing down their options :
- Assess your situation. Some drivers may need an affordable coverage option for an older vehicle, while others may be looking for robust policies to sufficiently insure a newly purchased vehicle. Regardless of your circumstances, it helps to take time to consider what kind of insurance you are looking for, as some providers specialize in dealing with certain coverages or driver profiles.
- Determine your insurance wants and needs. You may initially set out wanting the lowest cost coverage possible. However, as you continue your research, you may find that choosing a provider that offers coverage options you need, such as rideshare insurance, is non-negotiable. Settling on what aspects may be necessary versus “nice to haves” could come in handy when deciding your best option.
- Compare multiple quotes. Because each insurer weighs rating factors differently, it is generally a good idea to compare at least a few quotes from different insurers. By selecting the same coverage amounts, you could get an accurate depiction of how your insurance expenses may vary with each company.
Consider minimum insurance requirements in Wisconsin
Like most states, drivers in Wisconsin have car indemnity laws to abide by, which requires minimum indebtedness policy limits. As Wisconsin is an at-fault state of matter, these include limits for property damage and bodily injury or death liability. By nonpayment, you have to purchase at least the state ’ s requested minimums. however, many policy experts recommend purchasing more than the minimal policy limits to protect yourself better financially. If you are uncertain how much car policy is right for you, talk with a accredited agent .
Consider lender requirements
Although the state requires only liability insurance, individual lenders or lienholders much require drivers purchase wide coverage car indemnity policies for finance or lease vehicles. Because indebtedness indemnity does not include fiscal protections for price to your car itself, adding comprehensive and collision coverages helps prevent loan default. additionally, drivers may purchase gap indemnity to cover the dispute between a vehicle ’ s actual cash value and an indemnity claim payout should the vehicle be stolen, hard damaged or totaled .
Consider driver risk impacts
Insurers basal car insurance rates on an assessment of hazard. Factors considered “ bad, ” such as being a young or adolescent driver, having a speeding ticket or getting a DUI, broadly result in exorbitant rates. If these gamble factors apply to you, it could help to seek providers that are known to offer better rates for these circumstances. additionally, some providers offer multiple discounts that are not driving-based, such as making timely payments, which could help you earn a better rate .
Car insurance discounts in Wisconsin
There are multiple options to save on Wisconsin cable car insurance, many of which are available from most major providers. In general, discounts relate to driving habits, payments and loyalty .
- Young driver discounts: Most providers will offer at least one discount for young drivers to help reduce premiums. These may include discounts for good grades, attending college away from home or safe-driving programs for drivers under 21.
- Safe driver discounts: While you can generally earn better premiums by maintaining a clean driving record, you could also apply for safe driver programs. Many insurers have telematics devices or apps that track your driving habits, calculating a discount based on behaviors like soft braking and driving at the posted speed limit.
- Other discounts: There are a variety of discounts, some of which may be more unique to some providers. For example, some insurers may offer discounts for insuring an electric vehicle, while others may offer options exclusively available to affiliation groups.
Frequently asked questions
What is the cheapest car insurance company in Wisconsin?
In general, collecting and comparing quotes from multiple providers is the best direction to in full gauge which company offers you the best rate for your desire coverage. however, our research found that for many state drivers, USAA, Erie and Geico offer the cheap car insurance in Wisconsin on average. Speaking with an policy agent can help you determine other important considerations before settling on a policy and exact coverage amounts .
Is car insurance required in Wisconsin?
Yes, car indemnity is legally required in Wisconsin, unless you opt to provide a chemical bond, a certificate of lodge for money or securities, or a certificate of self-insurance to satisfy the fiscal duty law. If you do not opt to satisfy the fiscal province law in one of those ways, residents must have car insurance coverage for bodily injury, property damage and uninsured motorists at 25/50/10/25/50. coverage for underinsured motorists, medical expense coverage, collision and comprehensive is optional .
What is the best car insurance in Wisconsin?
You may decide that the best car indemnity provider for you is the one with the most utilitarian types of coverage and competitive agio. however, every Wisconsin driver is probably to prioritize different factors. Experts recommend receiving quotes from multiple insurers to help in the decision-making process .
What information is needed in order to get car insurance in Wisconsin?
To get a quote for Wisconsin car indemnity, you will need to include your address, the type of vehicle you want to insure ( make, mannequin and year ), marital condition, driving criminal record and any information about the vehicle that could make you eligible for discounts, like safety features on your car .
How can I save money on car insurance in Wisconsin?
The car indemnity providers we evaluated on this list all offer discounts for customers in Wisconsin. Drivers can much save money by bundling their policies, paying their policy in full, insuring a new cable car, having a scavenge drive record and owning their own base. Check out each supplier ’ randomness deduction page for a wax list of the savings they offer .
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 record, good recognition and the following full 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 minimum coverage limits, Bankrate used minimum coverages that meet each state ’ sulfur requirements. Our nucleotide visibility drivers own a 2019 Toyota Camry, change five days a week and drive 12,000 miles per annum. These are sample distribution rates and should only be used for comparative purposes .
Bankrate Scores
Bankrate scores primarily reflect a burden membership of industry standard ratings for fiscal intensity ( AM Best, S & P, Moody ’ mho ) and customer experience ( J.D. Power, NAIC ), in summation to average quote rates from Quadrant Information Services. The J.D. Power studies utilize include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team ’ s extensive inquiry and analysis provided a secondary assessment of each insurance company ’ randomness on-line and mobile resources and policy management options, which besides contributed to overall ratings .