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Best & Cheapest Wisconsin Car Insurance as Rated by Customers in 2020

4.89 ★★★★★
27 customer reviews
rated their claim's experience positively
4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.23 ★★★★★
109 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.05 ★★★★★
2230 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.58 ★★★★★
239 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.51 ★★★★★
41 customer reviews
rated their claim's experience positively
3.22 ★★★★★
67 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

While we see advertisements from auto insurance companies on a daily basis promising low rates and great coverage in Wisconsin, it can be tough to truly know which one is the best company for you. Unless you’ve had a car insurance policy from a company previously, how can you know how it treats its policyholders? Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Wisconsin. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Wisconsin car insurance companies.

In the table above, you can sort through all the Wisconsin auto insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Wisconsin car insurance rankings.

Interested in learning more about one of these Wisconsin auto insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

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Among these most popular companies in Wisconsin, State Farm is the cheapest car insurance option for both male and female teen drivers on average.

Company Female teen rates Male teen rates
Acuity, a Mutual Insurance Company $2,183 $2,181
Allstate Insurance $1,429 $1,904
American Family Insurance $1,172 $1,210
Progressive $1,506 $1,654
State Farm Insurance Company $842 $989

These rates are based on profiles for 18-year-old male and female drivers in Wisconsin. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest auto insurance rates for a married couple in Wisconsin?

American Family offers the cheapest car insurance rates for married couples in Wisconsin on average when compared with the largest car insurers in the state. The table below displays average Wisconsin auto insurance rates for married couples with two cars on a policy from the five most popular companies in the state.

Company Married couple rates
Acuity, a Mutual Insurance Company $1,510
Allstate Insurance $1,651
American Family Insurance $1,026
Progressive $1,782
State Farm Insurance Company $1,358

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Wisconsin?

Among the five largest companies in the state, American Family provides the cheapest car insurance rates in Wisconsin for male and female senior drivers on average.

Company Female senior rates Male senior rates
Acuity, a Mutual Insurance Company $894 $826
Allstate Insurance $1,032 $1,126
American Family Insurance $618 $617
Progressive $875 $904
State Farm Insurance Company $654 $654

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Wisconsin for car insurance

There are many factors that contribute to what your car insurance rates are. For drivers in Wisconsin, car insurance rates vary based on your location. The cheapest area in Wisconsin for car insurance on average is Sheboygan Falls. In the table below, you can see the top 10 cheapest areas in Wisconsin for car insurance based on average rates for a single adult.

Area Car insurance rates
Sheboygan Falls $894
Sheboygan $900
Neenah $900
Kohler $902
Oostburg $904
Kimberly $910
Cedar Grove $914
Green Bay $917
Plymouth $917
Menasha $918

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Wisconsin for car insurance

Since different areas of Wisconsin have different crime rates and number of accidents, auto insurance rates vary based on the location you live in. On average, the most expensive area in Wisconsin for car insurance is Brill. The table below displays the top 10 most expensive areas in Wisconsin for car insurance based on average rates for a single adult.

Area Car insurance rates
Brill $1,445
Jump River $1,407
Hannibal $1,395
Galloway $1,387
Heafford Junction $1,382
Milwaukee $1,377
Mikana $1,272
Maplewood $1,264
Hertel $1,240
Spooner $1,229

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wisconsin will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Wisconsin

Wisconsin requires drivers to have liability insurance and uninsured motorist coverage. Wisconsin auto insurance companies also are required to offer you underinsured motorist coverage, but you can reject this coverage. If you choose to add it to your policy, underinsured motorist coverage would cover any costs that are above the limits of the driver who is at fault in the accident. The minimum limits for this coverage are $50,000 per person and $100,000 per accident.

Wisconsin’s minimum limits for the required liability and uninsured motorist coverages are listed below, but it’s important to consider purchasing higher limits. These minimums likely wouldn’t be enough to fully cover you in the event of a costly accident.

You also should consider adding optional coverages such as collision insurance, comprehensive insurance, medical payments and roadside assistance when selecting your policy.

Wisconsin state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $10,000 per accident

Bodily injury caused by an uninsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Wisconsin’s uninsured motorist percentage

Uninsured motorist coverage is required in Wisconsin, so it’s worthwhile to know exactly what it covers. This coverage would kick in to pay for injuries you or any of your passengers suffer in a hit-and-run accident or an accident caused by a driver without insurance. In Wisconsin, 14.3 percent of drivers don’t have insurance, according to 2015 data from the Insurance Information Institute.

How auto insurance rates are calculated in Wisconsin

When searching and comparing quotes from the best auto insurance companies in Wisconsin, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your auto insurance in Wisconsin

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Wisconsin car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Wisconsin

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.