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Kailey Hagen has been writing about small businesses and finance for almost 10 years, with her work appearing on USA Today, CNN Money, Fox Business, and MSN Money. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.
All Wisconsin drivers need car insurance, but finding the right coverage can be a challenge. You can make the task easier by focusing your search on the best Wisconsin auto insurance providers. Here's a look at which companies offer the most affordable rates for several common driver profiles.
Female drivers pay about $1,655 annually for Wisconsin auto insurance while their male counterparts pay slightly more, at $1,674 per year. This is based on the profiles of a 35-year-old male and female driver with a clean record.
Geico offers these drivers a much affordable rate -- just $846 per year for women and $850 for men.
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The following companies also offer low-cost car insurance in Wisconsin:
Integrity Insurance's average annual premium of $1,378 for drivers with a single accident on their record bests the state average of $2,333 for these drivers by a considerable margin.
These drivers can also find cheap car insurance quotes in Wisconsin with the following insurers:
Drivers with one prior speeding ticket can expect to pay about $2,097 per year for Wisconsin auto insurance. But those who choose Geico could get coverage for much less -- about $1,184 per year on average.
These companies also offer some of the best car insurance in Wisconsin to drivers with speeding tickets:
The typical 18-year-old driver with a clean record pays about $4,821 per year for Wisconsin auto insurance. But SECURA Insurance can offer teens and young drivers the same coverage for about $2,602 per year.
These insurers also make the list of the best car insurance companies in Wisconsin for teen drivers:
Senior drivers typically have some of the cheapest car insurance in Wisconsin, with premiums averaging about $1,497 per year. But Geico can help these drivers score an even better deal. Their typical 65-year-old customer with a clean record pays just $762 per year.
Seniors can also score affordable car insurance in Wisconsin with these companies:
Cheap liability car insurance in Wisconsin will run drivers about $448 on average. But those who choose Integrity Insurance may be able to get coverage for as little as $184 per year.
Drivers can also find great deals on Wisconsin minimum car insurance with these companies:
Drivers with poor credit will see their Wisconsin auto insurance rates climb to about $2,805 per year on average. But those who go with Geico could get coverage for a more reasonable $1,639 per year.
These companies also offer cheap auto insurance in Wisconsin to drivers with poor credit:
Answering the question, "How much is car insurance in Wisconsin?" isn't as straightforward as you might think. Rates vary significantly based on the driver's history, the vehicle type, and where they live within the state, among other things.
While the state's average annual premium is $2,023, a little below the national average of $2,646, your premium could be higher or lower than this.
| Average Rate Category | Wisconsin | National Average |
|---|---|---|
| Overall | $2,023 | $2,646 |
| Young drivers | $4,821 | $5,988 |
| 1 accident on driving record | $2,334 | $3,092 |
| 1 speeding ticket on driving record | $2,097 | $2,766 |
Drivers should familiarize themselves with these Wisconsin car insurance laws:
When two or more vehicles get in an accident in Wisconsin, the driver found to be at fault is responsible for paying the medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurance for medical expenses, regardless of who caused the accident. Costs can quickly exceed state-minimum coverage, which is why it's usually a good idea to purchase a little more.
Wisconsin drivers who don't have insurance could face fines of up to $500 if they're caught by law enforcement. Drivers who provide fraudulent proof of insurance could face fines of up to $5,000.
All drivers must carry at least the following Wisconsin auto insurance coverage:
Drivers must have at least:
In addition, drivers must have at least $10,000 of property damage liability coverage to pay for another person's property that they wreck in an accident.
If you want the cheapest car insurance in Wisconsin, these tips can help:
Here are a few other things to keep in mind when shopping for Wisconsin auto insurance:
About 13% of Wisconsin drivers flout the law and drive without insurance. Even if you're not one of them, this should concern you. If you're hit by a driver who doesn't have insurance, you could have to pay for the full cost of the accident out of pocket. That's why it's a good idea to add uninsured motorist coverage. This protects the policyholder if they're hit by an uninsured driver. Underinsured motorist coverage goes hand in hand with this. It kicks in if the policyholder is hit by a driver who doesn't have enough insurance to pay for the full cost of the accident.
State minimum coverage will protect you from problems with law enforcement, but it may not be enough to pay all the bills in severe accidents. It also provides no coverage for the driver's vehicle. Consider adding collision coverage to help pay for vehicle repairs following an accident with another car. Comprehensive coverage is another option. This pays to repair the policyholder's vehicle if they hit an animal or if their vehicle is stolen, vandalized, or damaged by severe weather.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
