Drivers in Wisconsin enjoy some of the most beautiful scenery in the country. On top of that, average auto insurance costs here are still lower than the national average, even after recent year-over-year premium increases reported by the Bureau of Labor Statistics. Even with cheap car insurance rates, drivers should review more than just a company’s premium when shopping for coverage. To help determine the best car insurance company for their needs, drivers may want to consider a carrier’s coverage options, financial strength, complaint performance, and customer satisfaction ratings (see AM Best, NAIC Complaint Index, and J.D. Power).
The 4 Best Car Insurance Companies in Wisconsin
To find the best car insurance in Wisconsin, we looked at current statewide averages from Bankrate and cross-checked recent market snapshots from The Zebra and Insurify. We also factored in each company’s J.D. Power customer satisfaction score, AM Best financial strength rating, available coverages, and discount traits.
- USAA: Best for Military-Centric Options
- State Farm: Best for Local Agents
- Travelers: Best for Optional Coverages
- Progressive: Best for Discounts
Compare the Best Car Insurance Companies in Wisconsin
While we chose these four carriers as some of the best in the state based on our research methodology, the best carrier for you could vary depending on what features you are looking for. Shopping around and comparing auto insurance quotes can be a good way to find the best fit for your needs. The Wisconsin Office of the Commissioner of Insurance also publishes an Auto Insurance Premium Comparison showing wide price differences for identical driver profiles, reinforcing the value of getting multiple quotes.
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA | $199 | $785 | A++ | 895** | |
| Pin State Farm | $231 | $785 | A++ | 851 | |
| Pin Travelers | $308 | $886 | A++ | 825 | |
| Pin Progressive | $277 | $919 | A+ | 842 |
Information updated November 2025
*Current statewide averages (source-dependent): about $1,400–$1,550 per year for full coverage and about $350–$420 for minimum coverage in Wisconsin (Bankrate; The Zebra; Insurify).
**J.D. Power’s 2024 U.S. Auto Insurance Satisfaction study for the North Central Region. Based on a 1,000-point scale. USAA is not eligible for official ranking due to eligibility restrictions.
USAA
Best for Military-Centric Options
Why We Chose It
Why we chose it
Pros
- Low average full and minimum coverage premiums
- High J.D. Power customer satisfaction score
- Superior AM Best financial strength
Cons
- Eligibility restrictions
- Limited discounts advertised
- Limited add-on options advertised
Other Policies Offered
- Home
- Flood
- Motorcycle
- ATV
- Life
Standout Discounts Available
- Good student
- Clean driving record
- Military installation
- Emergency deployment
State Farm
Best for Local Agents
Why We Chose It
Why we chose it
Pros
- Local agents available
- Numerous discounts
- Low average premiums
Cons
- Fewer optional coverages than some competitors
- No gap coverage
- Higher-than-average overall complaint index score from the NAIC
Other Policies Offered
- Home
- Condo
- Business owners
- Boat
- Pet medical
Standout Discounts Available
- Drive Safe & Save
- Steer Clear
- Student at school
- Accident-free
Travelers
Best for Optional Coverages
Why We Chose It
Why we chose it
Pros
- Numerous endorsements available
- Numerous discounts available
- Superior AM Best financial strength
Cons
- Lower-than-average J.D. Power customer satisfaction score
- Lower-than-average J.D. Power claims satisfaction score
- Rideshare coverage not available in Wisconsin
Other Policies Offered
- Home
- Landlord
- Travel
- Pet medical
- Valuable items
Standout Discounts Available
- Homeownership
- Hybrid/electric car
- Continuous insurance
- Early quote
Progressive
Best for Discounts
Why We Chose It
Why we chose it
Pros
- Numerous discounts offered
- Higher-than-average J.D. Power customer satisfaction score
- May have options for high-risk drivers
Cons
- Average full coverage premium is the highest on our list
- Financial strength is not as high as some other carriers
- Below-average J.D. Power claims satisfaction score
Other Policies Offered
- Boat
- Classic car
- Mexico auto
- Mobile home
- Life
Standout Discounts Available
- Snapshot
- Online quote
- Sign online
- Paperless
*Current statewide averages (source-dependent): about $1,400–$1,550 per year for full coverage and about $350–$420 for minimum coverage in Wisconsin (Bankrate; The Zebra; Insurify).
**J.D. Power’s 2024 U.S. Auto Insurance Satisfaction study for the North Central Region. Based on a 1,000-point scale. USAA is not eligible for official ranking due to eligibility restrictions.
The Average Cost of Car Insurance in Wisconsin
Current statewide averages reported by recent market trackers show Wisconsin drivers paying about $1,400–$1,550 per year for full coverage and roughly $350–$420 per year for minimum coverage, depending on the source and driver profile (Bankrate; The Zebra; Insurify). Wisconsin remains below the U.S. average across these sources. Premiums have risen sharply since earlier benchmarks — the motor vehicle insurance index is up about 19% year over year — helping explain why 2021 figures are now outdated (BLS CPI).
Top 3 Cheapest Car Insurance Companies in Wisconsin
| Company | Average Annual Full Coverage Premium* |
| USAA | Typically varies by profile; statewide average ≈ $1,400–$1,550 |
| State Farm | Typically varies by profile; statewide average ≈ $1,400–$1,550 |
| Pekin | Typically varies by profile; statewide average ≈ $1,400–$1,550 |
*City- and company-level premiums vary by source; see current statewide estimates from The Zebra and Insurify.
Top 3 Most Expensive Car Insurance Companies in Wisconsin
| Company | Average Annual Full Coverage Premium* |
| Sentry | Often above statewide average for some profiles; compare multiple quotes |
| Allstate | Often above statewide average for some profiles; compare multiple quotes |
| Chubb | Often above statewide average for some profiles; compare multiple quotes |
*City- and company-level premiums vary by source; see current statewide estimates from The Zebra and Insurify.
Top 3 Cheapest Cities for Car Insurance in Wisconsin
| City | Average Annual Full Coverage Premium* |
| Kimberly | Often below statewide average |
| Combined Locks | Often below statewide average |
| Sheboygan Falls | Often below statewide average |
*City-level costs fluctuate by method and source; see examples from The Zebra and Insurify.
Top 3 Most Expensive Cities for Car Insurance in Wisconsin
| City | Average Annual Full Coverage Premium* |
| Milwaukee | Typically higher than statewide average |
| Brown Deer | Often higher than statewide average |
| Shorewood | Often higher than statewide average |
*City-level costs fluctuate by method and source; see examples from The Zebra and Insurify.
Key Things to Know About Car Insurance in Wisconsin
While shopping for insurance doesn’t have to be difficult, understanding a few basic things about your state can help make the process easier. For example, Wisconsin’s estimated share of uninsured drivers was about 14% in 2022, according to the Insurance Research Council (up from 13.3% in 2019), so you may want to consider opting for higher-than-state-minimum uninsured motorist coverage. Because of the state’s northern location, you might also want to think about winter weather risks to your car and how to insure against them — for example, collision typically covers crashes on snow or ice and comprehensive can cover hail, falling ice/branches, animal strikes, and many glass claims; roadside assistance and rental reimbursement can also help during winter repair delays (NAIC winter driving guide).
Wisconsin Car Insurance Requirements
Wisconsin requires that drivers carry an auto insurance policy with at least the following minimum coverages and limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Your insurance agent may recommend that you purchase higher coverage limits if you can afford them. Minimum limits will allow you to drive legally, but offer very little financial protection.
Car Insurance Coverage Options
If you have a loan or lease on your vehicle, you’ll probably need comprehensive coverage and collision coverage on your policy. Adding these two coverages makes your policy “full coverage,” and most financial institutions require full coverage. Even if your car is paid off, you might still want to consider full coverage, or at least comprehensive. Comprehensive coverage could pay for damage to your vehicle caused by snow, ice, summer storms, or hitting a deer. For winter-related risks, collision typically applies to sliding-on-ice crashes, while comprehensive often applies to hail, falling ice/branches, animal strikes, and many windshield claims; ADAS windshield calibration requirements can add cost and time to glass repairs (CCC Crash Course 2025).
Depending on the company you choose and your lifestyle, you might also want to add some true extras — meaning these coverages aren’t likely to be required by your state or lender — to your policy. Things like roadside assistance, car rental coverage, ridesharing coverage, and gap coverage could be good to have, depending on your circumstances. Working with a licensed insurance professional could help you figure out the best options for you.
Frequently asked questions
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers. We also reference independent benchmarks, including J.D. Power customer satisfaction, AM Best financial strength, and the NAIC Complaint Index, alongside Wisconsin’s own OCI premium comparison.
As for average pricing, we use multiple current sources for Wisconsin — notably Bankrate, The Zebra, and Insurify. Because each source uses different driver profiles, coverage limits, deductibles, and time windows, we present statewide averages as a range rather than a single point estimate.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, we refer to Wisconsin’s statutory requirements and regulator guidance (Wis. Stat. § 344.33; Wis. Stat. § 632.32; OCI Auto Insurance). Our base profile drivers own a Toyota Camry, commute five days a week, and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
