Good news for Wisconsin drivers: Jerry’s latest data shows that liability coverage in the Badger State averages about $265 per month. Over the past year we’ve helped 3,381 Wisconsin drivers lower their premiums, and those who switch with Jerry save an average of $179 annually without giving up the protection they need.
Jerry compares quotes from up to 9 trusted insurers in Wisconsin to build your policy and help you secure your best price in minutes.
Save on Wisconsin insurance with Jerry.
What Wisconsin drivers are paying right now
Wisconsin’s insurance prices shift more than many drivers expect. Rural stretches in the Driftless Area, heavy winter weather, high deer-collision rates and dense commuter traffic around Milwaukee and Madison all shape what you pay. Even two drivers with similar profiles can end up with very different premiums depending on their ZIP code and driving patterns.
Jerry tracks live quotes across Wisconsin to show you what drivers are paying today. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates periodically. In Wisconsin, seasons, road conditions and small changes in your driving profile can all move your renewal price.
4 easy ways Jerry helps Wisconsin drivers save on car insurance
Finding the cheapest car insurance policy is one thing. Understanding exactly what drives that number is where real savings happen.
Jerry makes that easy by comparing real offers, surfacing discounts you might not realize you qualify for and showing you exactly where you can save without cutting essential coverage.
Here are our top tips to help you spend less and worry less.
| How to save | Average Wisconsin driver savings |
|---|---|
| Compare quotes | 40% to 69% |
| Stack discounts | 28% to 52% |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 12% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Wisconsin’s risk mix is unique. Snow-covered highways, long rural commutes, high-speed interstates, frequent deer strikes and rising repair costs all influence how insurers price your policy. Because each company weighs these risks differently, quotes for the same driver can vary dramatically.
Comparing rates side by side with Jerry is the fastest way to make sure you aren’t overpaying.
Here’s where Wisconsin drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Wisconsin drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 60% | 41% |
| Founders insurance | 13% | 16% |
| Gainsco | 13% | 37% |
| Bristol West | 7% | 34% |
| Safeco | 7% | 21% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Drivers in Madison suburbs, Milwaukee neighborhoods and rural counties face very different claim patterns. Jerry shows these pricing gaps instantly so you can pick the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Wisconsin drivers qualify for multiple discounts like safe driving, multi-vehicle, paperless billing, student savings, bundled home and auto, anti-theft devices and more. But insurers don’t always apply every discount automatically.
Jerry uncovers the savings you’re eligible for so nothing gets missed.
Key takeaway: Stacking discounts often saves more than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Your deductible choice has a major impact on your premium. Wisconsin drivers deal with icy interstates, lake-effect snow, slick secondary roads and abundant wildlife, so choose a deductible you can truly afford if you need to file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find the right deductible for your vehicle:
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Review your car’s value (Jerry updates this every month).
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Choose an out-of-pocket number you can realistically cover.
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Compare how each deductible level affects your premium in real time.
The Jerry difference: Jerry shows live pricing for multiple deductible options so you can balance cost and protection with confidence.
Jerry Agent Tip 4: Avoid a coverage lapse
A lapse in insurance doesn’t just leave you unprotected, it raises your future premiums. Jerry data shows that Wisconsin drivers who let their coverage lapse see their rates increase by 12% on average, and some insurers raise prices even more.
The best strategy is simple: choose a policy you can maintain month after month. Jerry shows real-time prices across multiple coverage levels so you can pick something sustainable and avoid penalty pricing down the road.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Wisconsin requires 25/50/10 liability coverage, but that minimum won’t protect your own vehicle if you’re hit by a deer or damaged in a storm. That’s why many drivers choose more than minimum coverage for better protection.
Here are the coverage tiers you can choose from when shopping around:
Minimum
$43 – $92/mo
Meets state liability requirements but doesn’t protect your own car.
Preferred
$116 – $237/mo
Offers higher liability limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your comfort around risk and your vehicle’s value. Jerry shows real-time pricing for every tier so you can choose confidently.
The cheapest Wisconsin policy is liability-only, but affordable add-ons can make a major difference when winter weather or wildlife collisions strike.
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Coverage definitions
Wisconsin insurance factors at a glance
Wisconsin’s driving environment directly affects what you pay for insurance. Insurers look closely at rural accident severity, winter conditions and wildlife exposure when determining rates.
Snow and ice
Wisconsin’s long winters drive up collision claims and repair costs.
Deer collisions
The state consistently ranks high for deer-related crashes, making comprehensive coverage important.
Rural crash severity
High-speed highway miles mean added risk, and the need for higher coverage limits.
Uninsured drivers
Nearly 16% of Wisconsin drivers are uninsured, making UM/UIM valuable.
Wisconsin Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t dictate your rate forever. We work with insurers that consider your full profile and automatically re-shop your policy as your record improves.
If you got a ticket
Wisconsin assigns points for speeding and other moving violations, and accumulating too many can impact your license. Even a single ticket can raise your premium for years depending on severity. Some drivers may lower the impact by completing a state-approved traffic safety course.
Once a violation clears from your record, Jerry shops for better prices automatically.
Here are the average rate increases we’ve seen for Wisconsin drivers after a ticket:
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Speeding under 15: 11%
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Speeding over 15: 35%
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Failure to obey traffic sign: 22%
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Reckless driving: 86%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Wisconsin is an at-fault state. An at-fault crash typically increases premiums by 2% and those higher rates often last three to five years. Jerry helps you secure your best price now and re-shops your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI causes some of the steepest insurance increases in Wisconsin. Most drivers see their premiums rise by 12%, and the impact can last several years.
Jerry finds carriers that offer more reasonable high-risk pricing and re-shops your policy as your record improves.
Here are the five cheapest insurers for Wisconsin drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $120 | Yes | |
| $139 | Yes | |
| $179 | Yes | |
| $253 | Yes | |
| $326 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Wisconsin
Wisconsin may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and you’ll see only insurers that handle the filing. Most charge around $25 per year for the certificate.
Car Insurance with Bad Credit
Wisconsin allows insurers to use credit-based insurance scores when setting premiums. Your credit can influence what you pay, but it’s just one factor. Your driving record, insurance history, mileage and coverage level all matter as well.
Keeping continuous coverage, avoiding violations and choosing the right deductible often have a bigger impact than credit alone. Jerry helps you compare prices instantly so you always get your best rate.
Average rates in Wisconsin by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Wisconsin’s blend of winter weather, rural roadways, wildlife exposure and busy commuter corridors means the best insurance isn’t the cheapest number. It’s the policy that fits how you actually drive.
Jerry makes it simple to build a policy tailored to Wisconsin and re-shops automatically whenever your price can improve.
Get Wisconsin coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
