Key Takeaways

• Bristol West, Gainsco, National General and Progressive offer some of the cheapest car insurance in Wisconsin.
• The average cost of minimum coverage in Wisconsin is around $115 per month.
• Compare quotes from multiple insurers to find cheap car insurance in Wisconsin.

You may find cheap car insurance in Wisconsin from insurers like Bristol West, Gainsco, National General and Progressive. These companies were among the most affordable options in the state, according to real quotes for Jerry customers.

Here are more cheap insurers in Wisconsin for both minimum and full coverage, plus by age, driving history and credit score.

Cheap liability car insurance in Wisconsin

In Wisconsin, minimum liability car insurance offers a practical way to meet state requirements without overextending your budget. It provides compensation for others’ injuries or property loss if you’re responsible for an accident, but not for your own car. This option is frequently selected by those who want to reduce costs while staying compliant. Wisconsin drivers should get quotes from several insurers to find the best value available.

These are the cheapest car insurance companies in Wisconsin for minimum coverage, according to Jerry’s data.

Car insurance requirements in Wisconsin

Wisconsin’s car insurance requirements are:

• $25,000 for bodily injury of one person.
• $50,000 for bodily injury of more than one person.
• $10,000 for property damage.
• Uninsured motorist coverage of at least $25,000 in bodily injury coverage for one person and $50,000 for more than one person.

Cheap full coverage car insurance in Wisconsin

Looking for budget-friendly full coverage car insurance in Wisconsin means weighing cost against necessary coverage. Full coverage typically includes liability, collision and comprehensive insurance. These protect you from situations like accidents, icy road incidents and theft for both your vehicle and other driver’s cars. It’s a great choice for drivers with vehicles that would be expensive to replace. Wisconsin residents should compare quotes from multiple insurers to make sure they’re getting strong coverage without overspending.

These are the cheapest car insurance companies in Wisconsin for full coverage, according to Jerry’s data.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Average car insurance costs for young drivers in Wisconsin

In Wisconsin, new drivers often pay more for car insurance because providers consider them less predictable and more prone to mistakes. With little or no driving history, rates reflect the uncertainty insurers face but over time, premiums decrease as experience grows. Wisconsin youth should explore good student discounts and low-mileage savings plans.

Below are the average costs of car insurance in Wisconsin for drivers between 18 and 24.

Cheap liability car insurance in Wisconsin for a 20-year-old

Wisconsin drivers at age 20 may consider liability-only insurance a smart way to meet state mandates without overspending. If they’re not driving a valuable car, there’s often less need for more expensive coverage. It can be a streamlined choice for those prioritizing affordability.

These are the cheapest car insurance companies in Wisconsin for 20-year-olds with minimum coverage, according to Jerry’s data.

Cheap full coverage in Wisconsin for a 20-year-old

In Wisconsin, full coverage could benefit a 20-year-old driving through snow, ice and deer-heavy areas. It helps cover the kinds of damage that aren’t addressed by basic policies and makes it easier to recover from setbacks without breaking the bank. It’s a good fit for those just learning the ropes of financial responsibility.

Below are the cheapest auto insurers in Wisconsin for 20-year-olds with full coverage.

Average auto insurance costs for mature drivers in Wisconsin (25-54)

Wisconsin drivers who’ve been behind the wheel for many years without issue are typically rewarded with lower rates. Insurers interpret this as a strong signal of good judgment and risk management and it often results in better pricing.

Below are the average costs of car insurance for drivers in Wisconsin between the ages of 25 to 54.

Cheapest liability car insurance in Wisconsin for a 35-year-old

A 35-year-old in Wisconsin may opt for liability-only coverage if they’ve kept a steady driving record with an aging vehicle. Seasonal driving challenges like snow and ice are less intimidating after years of experience. They may feel full coverage isn’t needed anymore and this path provides basic protection without added financial burden.

Here are the most affordable insurers in Wisconsin for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.

Cheapest full coverage in Wisconsin for a 35-year-old

In Wisconsin, a 35-year-old might choose full coverage to deal with snow, ice and busy highways. Protecting a car from seasonal wear and tear helps preserve its longevity and this type of insurance also assists with sudden repair costs to your own vehicle. It’s a practical way to stay prepared for year-round driving.

Here are the most affordable insurers in Wisconsin for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.

Average car insurance costs for older drivers in Wisconsin (55+)

Senior drivers in Wisconsin might notice insurance increases as age-related challenges like slower reaction times affect winter driving. Snow and ice already demand caution, and diminished agility can compound the risks. Insurers consider these trends when updating policies.

Below are the average costs of car insurance for drivers in Wisconsin 55 and older.

Cheapest liability car insurance in Wisconsin for a 65-year-old

In Wisconsin, older drivers may prefer liability-only coverage as a way to reduce costs while maintaining legal protection. This approach covers the essentials and suits a more reserved driving routine. It’s a popular option among retirees managing budgets and risks.

These are the cheapest car insurance companies in Wisconsin for 65-year-olds with minimum coverage, according to Jerry’s data.

Cheapest full coverage in Wisconsin for a 65-year-old

A 65-year-old in Wisconsin may opt for full coverage to protect against icy roads and accident risks. Maintaining financial stability by preventing costly repairs can be vital during the retirement years. Many seniors rely on their vehicles for errands and appointments, appreciating the peace of mind of full coverage insurance provides.

Here are the most affordable insurers in Wisconsin for 65-year-olds with full coverage policies, according to real car insurance quotes for Jerry customers.

Cheapest car insurance in Wisconsin by driving history

Insurance companies in Wisconsin rely on your driving history to assess how likely you are to file a claim. If your record includes several incidents, it may affect your insurance eligibility. Insurers use this to calculate rates and determine risk and it’s a major part of how your policy is shaped.

Cheap car insurance for drivers with clean records in Wisconsin

Wisconsin drivers who maintain clean records often benefit from preferred insurance plans. Responsible driving pays off over time and a good history helps keep premiums low and options open.

These are the cheapest car insurance companies in Wisconsin for drivers with clean driving histories, according to Jerry’s data.

Cheapest car insurance with a speeding ticket in Wisconsin

Speeding in Wisconsin can impact your insurance profile, even if it seems like a minor issue. These infractions are seen as red flags by insurers and they may prompt premium adjustments or closer reviews of your policy. Each violation contributes to your risk level.

Here are the most affordable insurers in Wisconsin for those with a speeding ticket, according to real quotes for Jerry customers.

Cheapest car insurance after an at-fault accident with no injury in Wisconsin

Being at fault in an accident without injuries still affects how insurers rate you. Property damage claims result in costs that insurers must manage and these accidents may lead to higher premiums. They can remain on your driving history and are considered in renewals.

Below are the cheapest auto insurers in Wisconsin for people with an at-fault accident with no injury on their driving record.

Cheapest auto insurance after an at-fault accident with injury in Wisconsin

Accidents involving injuries where you're at fault in Wisconsin are considered high-risk events. They often lead to costly claims and legal complexities. Insurers respond with increased premiums and revised terms and these incidents influence your long-term record.

Here are the most affordable insurers in Wisconsin for those with an at-fault accident with injury, according to real quotes for Jerry customers.

Cheapest car insurance with a DUI in Wisconsin

A DUI in Wisconsin is a major offense that insurance companies take seriously. It marks you as a high-risk driver and reduces available policy options and most insurers will raise your rates significantly.

These are the cheapest car insurance companies in Wisconsin for drivers with a DUI, according to Jerry’s data.

Average auto insurance costs for Wisconsin drivers with other violations

Other violations in Wisconsin, such as failing to stop or driving with a revoked license, are tracked by insurers as well. These infractions suggest unsafe behavior and over time, repeated violations lead to higher costs, while safe driving habits help maintain better rates.

Below are average car insurance costs in Wisconsin for other driving violations.

Cheapest auto insurance for low credit scores in Wisconsin

Wisconsin drivers may experience higher insurance rates if they have low credit scores. It suggests potential challenges with consistency and responsibility and insurers use this data to inform their pricing structure. A stronger score usually helps you secure better rates.

Below are the most affordable insurers in Wisconsin for drivers with a credit score below 550.

Learn more: How a credit-based insurance score works

How to find cheap car insurance in Wisconsin

Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.

You can also try these tips to lower your auto insurance costs:

• Ask your insurer about discounts you qualify for.
• Pay your policy in full.
• Install a telematics app on your phone. 
• Improve your credit score.
• Bundle your home and car insurance policies with the same company. 

More: Best car insurance companies

Factors that affect car insurance costs in Wisconsin

How much you pay for coverage depends on a variety of factors, including your:

• ZIP code.
• Driving history.
• Vehicle’s year, make, and model.
• Claims history.
• Car usage and miles driven.
• Deductible amount.

More: How car insurance rates are calculated

Cheapest car insurance data 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.

On this page

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