Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Wisconsin
Jerry is a free app trusted by 9,037 Wisconsin drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Wisconsin car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $381 a month for full coverage. But in Wisconsin, Jerry drivers pay less:
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$44 to $98 per month for state-mandated minimum coverage.
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$109 to $239 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Wisconsinites save an average of $1,075 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Wisconsin car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Wisconsin you live. Here are some full coverage rates that Jerry drivers in Wisconsin have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Wisconsin homeowners deal with severe thunderstorms, occasional tornadoes, and harsh winters with heavy snowfall and ice. Bundling home and auto insurance is one of the simplest ways to keep your combined insurance costs in check.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Wisconsin drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Wisconsin, it pays to see what’s out there.
That matters in Wisconsin, where Milwaukee and Madison drivers face different conditions and costs than those in Green Bay, the Fox Valley, or the more rural northern part of the state. Lake-effect snow, deer collisions and severe summer storms all play a role in what Wisconsin drivers pay. Jerry works with Wisconsin drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 11 trusted insurers in the Badger State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Wisconsin drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Wisconsin
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Wisconsin car insurance coverage requirements
Drivers in Wisconsin are legally required to carry liability insurance and uninsured motorist protection. State minimum requirements include:
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$25,000 for bodily injury of one person.
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$50,000 for bodily injury of more than one person.
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$10,000 for property damage.
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Uninsured motorist coverage of at least $25,000 in bodily injury coverage for one person and $50,000 for more than one person.
While this is the minimum coverage you need to buy in Wisconsin before you can legally drive, many Jerry drivers actually choose higher liability limits, along with comprehensive and collision coverage. When you also consider that nearly 16% of Wisconsin drivers are uninsured or underinsured, it may also be wise to bump up the limits on your uninsured/underinsured motorist (UM/UIM) protection.
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Coverage definitions
Factors affecting Wisconsin car insurance rates in 2026
Winter driving hazards
Wisconsin’s long winter season means months of slick roads, and crash frequency climbs right along with the snowfall. Collision coverage pays to repair your car after a winter accident, and in a state where winter driving is routine, we recommend keeping it active year-round.
Deer collisions
Wisconsin consistently ranks among the top states for deer-related crashes, especially in fall and early winter. Comprehensive coverage typically pays for animal impacts, so it’s an important layer if you drive outside city centers or commute on darker two-lane roads.
Rural crash severity
Rural highways and two-lane routes often involve higher speeds and fewer barriers, and when crashes happen on these roads, they tend to be more severe. Make sure your liability limits can handle a serious accident, not just the state minimum.
Uninsured drivers
Nearly one in six Wisconsin drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Lake-effect snow bands and low visibility
In parts of the state, lake-effect snow can roll in fast, dropping visibility quickly and creating sudden pileup conditions. Slow down before visibility drops and leave extra following distance. Keep collision coverage active and set a deductible you can afford, because these situations turn into claims fast.
Potholes and spring road damage
Freeze-thaw cycles leave Wisconsin roads riddled with potholes by early spring, punishing tires, wheels and suspension. Keep your tires in good shape, drive cautiously on rough pavement and set a deductible you can comfortably cover if a claim comes up.
Average cost of car insurance in major Wisconsin cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $244 | |
| $131 | |
| $177 | |
| $175 | |
| $121 | |
| $128 | |
| $111 | |
| $105 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Wisconsin quotes in as little as 2 minutes.
Learn more about driving in Wisconsin
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How to get a temporary license plate in Wisconsin.
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What to know about gifting a car in Wisconsin.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
FAQ
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Is Wisconsin an at-fault insurance state?
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Does Wisconsin allow electronic proof of insurance?
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.