Best Cheap Car Insurance in Wisconsin 2022 – Forbes Advisor


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Looking for a good price on car insurance in Wisconsin? We’ve rated 14 auto insurance companies so you know which direction to go.

Related: The best car insurance companies

Finding Cheap Car Insurance in Wisconsin

Cheap car insurance in Wisconsin for good drivers

Good Wisconsin drivers who want cheap auto insurance should try quotes from USAA and Geico. Of the companies in our analysis, both had rates below $1,000 on average, but USAA is only available to veterans, military personnel and their families.

Related: Cheap car insurance

Cheap car insurance in Wisconsin for drivers with a speeding ticket

A speeding ticket increases Wisconsin auto insurance rates by an average of 29%. You can save money by getting quotes from companies like USAA, Geico, and State Farm. Of the companies we reviewed, they had the lowest rates for drivers with a recent speeding ticket.

Wisconsin Cheap Car Insurance for Drivers Who Have Caused an Injury Crash

Auto insurance rates increase by more than $600 on average after an at-fault injury accident in Wisconsin. That’s a 50% rate hike. It’s a good idea to get quotes from State Farm and auto owners if you’re looking for cheaper auto insurance after an accident. If you qualify, USAA is also a good choice.

Cheap Wisconsin Car Insurance for Drivers with a DUI

A DUI is a costly mistake in Wisconsin. You can expect your rates to increase by an average of almost $1,000.

If you have a DUI on your record, try State Farm, Geico, and Travelers, which had the best rates among the companies we reviewed. USAA is a good choice for those with a military affiliation.

Cheap Wisconsin Car Insurance for Drivers with Bad Credit

Wisconsin drivers with bad credit pay double, on average, compared to drivers with good credit. Insurance companies generally charge drivers with bad credit more because they are considered more likely to file claims. But you can always find cheaper Wisconsin car insurance by comparing car insurance quotes.

Geico may be a prudent choice for drivers with poor credit in Wisconsin, with rates less than half the state average among the companies we’ve reviewed. Secura and Rural Mutual are worth considering, as is USAA for those who qualify.

Whichever company you choose, find out about auto insurance discounts to help lower your coverage costs.

Wisconsin Cheap Car Insurance to Add a Teen Driver

Parents who add a teenager to their policy may be shocked at how their auto insurance rates skyrocket. Average car insurance rates for parents in Wisconsin go up 141% when they put a teenager on contract. That’s another $2,000 a year for auto coverage. Still, comparison shopping can often help you find better rates.

Secura and American Family have affordable rates for parents adding a teen, so check with those insurers to see if you can save. You should also request a list of available discounts to ensure you maximize savings.

Related: Best Cheap Car Insurance for Teenagers

Cheap car insurance in Wisconsin for young drivers ages 18-25

Young drivers looking for cheaper auto insurance quotes should check out quotes from Geico, Secura, and State Farm. USAA is also a good choice for young pilots who are qualifying. You may also be able to get cheaper car insurance in Wisconsin by getting student car insurance discounts if you are in school.

Cheap Car Insurance in Wisconsin for Drivers Age 65 and Older

Car insurance companies often increase rates for older drivers as they get older, but you can always save on coverage by checking other insurers’ rates.

Senior Wisconsin drivers looking for cheap auto insurance should check out quotes from Geico and State Farm. Military personnel, veterans, and their families may find better rates with USAA.

Related: Best car insurance for seniors

Cheapest Vehicles for Insurance in Wisconsin

With the right type of car, you can potentially save money on auto insurance. In Wisconsin, the Jeep Wrangler JL Sport, Subaru Forester 2.5i, and Jeep Compass Latitude are among the best cheap insurance options, based on average rates for the top 50 selling 2021 models. The 20 cheapest are below.

The cars with the most expensive insurance in Wisconsin among popular vehicles are the Tesla Model S Performance ($3,029 per year) and the Lexus ES 300H ($1,875 per year).

Related: The most and least expensive cars to insure nationwide

Minimum car insurance required in Wisconsin

Car owners in Wisconsin must have auto liability insurance. This essential type of coverage pays for damages and injuries you cause to others in a car accident. It also pays for your own legal defense in case you are sued due to a car accident.

Car owners in Wisconsin must purchase liability with at least:

  • $25,000 for bodily injury to a person.
  • $50,000 for bodily injury to several people in an accident.
  • $10,000 for property damage in an accident.

This is usually written as 25/50/10.

It’s wise to buy more than Wisconsin’s minimum liability requirements. If you cause a car accident with multiple injuries, medical costs could quickly exceed policy limits and you could be responsible for the rest. It’s best to buy higher policy limits to protect your assets, like your home and your savings.

Car owners in Wisconsin are also required to carry uninsured motorist (UM) insurance. If a driver without liability insurance hits you, that coverage pays for your medical expenses. It also covers you if you are hit by a fleeing driver. You must have at least $25,000 for one person bodily injury and $50,000 for multiple person bodily injury in an accident (known as 25/50).

What else should I have?

Underinsured Motorist (UIM) coverage. This coverage is similar to UM, but it covers your medical expenses when someone hits you who has car insurance, but it is insufficient. Wisconsin auto insurance companies must offer you this coverage, but you can decline it in writing. Generally, this is a good cover to have.

Collision and comprehensive insurance. These types of coverage pay for auto repairs for a wide range of issues, such as car accidents, vandalism, fires, floods, hail, riots, falling objects, and animal collisions. Comprehensive coverage also pays after car theft.

If you have an auto loan or lease, your lender or leasing company will most likely require you to have collision and comprehensive insurance.

Medical payments (MedPay). This covers medical and funeral costs for you and your passengers resulting from a car accident, regardless of who is at fault. Wisconsin insurance companies must offer you this coverage, but you can decline it in writing.

Summary: Car Insurance Required in Wisconsin

Can I show my insurance ID card from my phone?

Wisconsin lets you use your phone to show an auto insurance ID card. Check with your auto insurance company to see if they offer a mobile app that includes access to electronic ID cards.

Factors Allowed in Wisconsin Auto Insurance Rates

Auto insurance companies typically look at your driving record, past claims, vehicle model and more when setting rates. In Wisconsin, insurers can also use these factors.

How many uninsured drivers are there in Wisconsin?

About 13% of Wisconsin drivers do not have car insurance, according to the Insurance Research Council. If they hit you, you can try to chase them. Or you can use your uninsured motorist coverage for injuries and your collision coverage for vehicle damage.

Penalties for driving without car insurance

If you are caught driving without insurance in Wisconsin, you could be fined up to $500.

When can a vehicle be totaled?

Wisconsin auto insurance companies can determine if a car is a total loss when the damage exceeds 70% of its market value.

Troubleshoot insurance issues

If you have an unresolved dispute with an auto insurance company, you can file a complaint with the Wisconsin Office of the Insurance Commissioner.

Methodology

To find the cheapest auto insurance companies in Wisconsin, we used rates from Quadrant Information Services, an insurance data and analytics provider. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 per person liability coverage, $300,000 per accident and $100,000 property damage liability coverage, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and all perils with a deductible of $500.

The companies assessed for Wisconsin were Acuity, Allstate, Auto Club Group, Auto-Owners, Erie, Farmer, Geico, Progressive, Rural Mutual, Secura, State Farm, Travelers, USAA and West Bend Mutual. Rate analysis was performed in October 2021.

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