All Wisconsin drivers need auto insurance, but finding the right coverage can be a challenge. You can make it easier for yourself by focusing your research on the best Wisconsin auto insurance providers. Here’s a look at the companies that offer the most affordable rates for several common driver profiles.
- Ideal for typical drivers: Geico
- Ideal for drivers who have had accidents in the past: Integrity assurance
- Ideal for drivers who have already received speeding tickets: Geico
- Ideal for young drivers: SECURA insurance
- Ideal for senior drivers: Geico
- Ideal for drivers looking for minimal coverage: Integrity assurance
- Ideal for drivers with low credit: Geico
Ideal for typical drivers: Geico
Female drivers pay about $ 1,655 per year for Wisconsin auto insurance, while their male counterparts pay a little more, at $ 1,674 per year. This is based on the profiles of a 35 year old male and female with no criminal records.
Geico offers these drivers a very affordable rate – just $ 846 per year for women and $ 850 for men. The following companies also offer low cost auto insurance in Wisconsin:
- Integrity insurance, which costs women on average about $ 1,046 per year and men about $ 1,123 per year
- Progressive, which charges women an average annual premium of $ 1,234 while men pay $ 1,239 per year
Ideal for drivers who have had accidents in the past: Integrity Assurance
The average annual Integrity Insurance premium of $ 1,378 for drivers with a single accident on their record far exceeds the state average of $ 2,333 for these drivers.
These drivers can also find cheap auto insurance quotes in Wisconsin from the following insurers:
- American Family, where drivers with an accident pay about $ 1,547 per year on average
- Geico, which averages these drivers about $ 1,567 per year for Wisconsin auto insurance
Ideal for drivers who have already received speeding tickets: Geico
Drivers who have previously received a speeding ticket can expect to pay around $ 2,097 per year for Wisconsin auto insurance. But those who choose Geico could get coverage for a lot less – about $ 1,184 a year on average.
These companies also offer some of the best auto insurance in Wisconsin for drivers with speeding tickets:
- Integrity Insurance, where these drivers pay around $ 1,311 per year
- SECURA Insurance, where drivers with a speeding ticket pay around $ 1,321 per year
Ideal for young drivers: SECURA Assurance
The typical 18-year-old driver with a clean criminal 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 list the best Wisconsin auto insurance companies for teenage drivers:
- West Bend Insurance, where teens pay an average of about $ 2,788 per year for Wisconsin auto insurance
- American Family, where the average annual premium for these drivers is $ 2,806
Ideal for senior drivers: Geico
Older drivers typically have the cheapest auto insurance in Wisconsin, with premiums of around $ 1,497 per year. But Geico can help these pilots get an even better deal. Their typical 65-year-old client with a clean criminal record pays only $ 762 per year.
Seniors can also purchase affordable auto insurance in Wisconsin from these companies:
- Progressive, where the typical 65-year-old driver pays around $ 995 per year
- West Bend Insurance, where seniors pay around $ 1,200 on average
Ideal for drivers looking for minimal coverage: Integrity Assurance
Cheap liability insurance in Wisconsin will cost drivers around $ 448 on average. But those who choose integrity insurance can get coverage for as little as $ 184 per year.
Drivers can also find great deals on Wisconsin minimum auto insurance from these companies:
- Geico, where minimum coverage costs around $ 235 per year
- Progressive, where drivers can get minimum state coverage for $ 284 per year
Best for drivers with low credit: Geico
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 amount of $ 1,639 per year.
These companies also offer cheap auto insurance in Wisconsin for drivers with low credit:
- Integrity insurance, where drivers with poor credit pay about $ 1,764 per year on average
- SECURA Insurance, where these drivers have average annual premiums of $ 1,805
Average Cost of Auto Insurance in Wisconsin Compared to National Average
Answer the question “How much does auto insurance cost in Wisconsin?” Is not as simple as you might think. Rates vary widely depending on the driver’s history, type of vehicle, and where they live in the state, among others.
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 that value.
Wisconsin Auto Insurance Laws
Drivers should be familiar with these Wisconsin auto insurance laws:
Wisconsin is a responsible state
When two or more vehicles have an accident in Wisconsin, the responsible driver is responsible for paying medical bills for all parties involved. This is different from no-fault states where each driver bills their own insurance for medical bills, regardless of who caused the accident. Costs can quickly exceed the state’s minimum coverage, which is why it’s usually a good idea to buy a little more.
Consequences of driving without insurance in Wisconsin
Drivers in Wisconsin who don’t have insurance could face fines of up to $ 500 if caught by law enforcement. Drivers who provide fraudulent proof of insurance can face fines of up to $ 5,000.
Wisconsin minimum coverage requirements
All drivers must have at least the following Wisconsin auto insurance coverage:
Liability coverage for bodily injury
Drivers must have at least:
- $ 25,000 in bodily injury liability coverage per person
- $ 50,000 liability coverage for bodily injury per accident
Liability coverage for property damage
In addition, drivers must have at least $ 10,000 of property damage liability coverage to pay for someone else’s property that they destroy in an accident.
How To Get Cheap Auto Insurance In Wisconsin
If you want the cheapest car insurance in Wisconsin, these tips can help:
- Get quotes from multiple companies. Each has its own system for evaluating a driver’s candidacy. This is why you get different auto insurance quotes from each company. The only way to know for sure which one is offering you the lowest rate is to get quotes from multiple companies and compare them side by side.
- Claim all applicable discounts. While most insurers automatically apply insurance discounts to qualifying drivers’ premiums, some drivers may be required to register. For example, the company can give a discount to policyholders who agree to have a monitoring device installed in their vehicles.
- Increase your deductible. Auto insurance deductibles are the out-of-pocket expenses you pay when you file a claim, while the premiums are your monthly costs. Usually, when a driver increases his Wisconsin auto insurance deductible, his premiums drop.
Other things to consider when looking for auto insurance in Wisconsin
Here are a few other things to keep in mind when shopping for auto insurance in Wisconsin:
More than 13% of Wisconsin drivers don’t have insurance
About 13% of Wisconsin drivers break the law and drive without insurance. Even if you’re not one of them, it should be about you. If you are struck by a driver who has no insurance, you may have to pay the full cost of the accident out of pocket. This is why it is a good idea to add coverage for uninsured motorists. This protects the policyholder if he is struck by an uninsured driver. Hand in hand with this is coverage for underinsured motorists. It comes into play if the policyholder is struck by a driver who does not have enough insurance to pay the full cost of the accident.
There are a lot of holes in the minimum state coverage
The state’s minimum coverage will protect you from law enforcement issues, but it may not be enough to pay all the bills in the event of a serious accident. It also does not provide coverage for the driver’s vehicle. Consider adding collision coverage to help pay for vehicle repairs following an accident with another car. Full coverage is another option. This pays to repair the insured’s vehicle if it hits an animal or if their vehicle is stolen, vandalized or damaged by inclement weather.