Cheap Auto Insurance in Madison, Wisconsin (2024)

USAA offers the cheapest car insurance in Madison, with minimum-coverage policies as low as $21 per month.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated May 16, 2024

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Cheapest recent rates near Madison, Wisconsin

Drivers using Insurify have found quotes as cheap as $23/mo for liability only and $45/mo for full coverage in Madison and other Wisconsin cities.

*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on May 16, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Madison, Wisconsin within the last 10 days. Last updated on May 16, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 16, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of auto insurance in Madison, Wisconsin, is $60 for a liability-only policy and $125 for full coverage. This is on par with the state average of $61 for liability coverage and $140 for a full-coverage policy.

Wisconsin drivers pay lower rates than the overall national average rate, perhaps partially due to the state’s at-fault system. Ultimately, the cost of your auto insurance policy will vary depending on your driving record, marital status, credit history, and the type of vehicle you drive.[1]

Here’s what you should know about finding auto coverage in Madison.

Quick Facts
  • USAA, Auto-Owners, and State Farm are the three cheapest insurers in Madison.

  • Wisconsin law allows auto insurers to consider your credit information when determining your premium.[2]

  • Because Wisconsin is an at-fault state, the driver who caused the accident is responsible for covering the costs of the other driver’s resulting injury and vehicle damage.[3]

Best car insurance companies in Madison

Car insurance rates can vary quite a bit depending on the company you choose. Overall, USAA, State Farm, and Auto-Owners offer the best car insurance options for Madison drivers.

But the best auto insurance policy for you depends on your specific insurance needs, so it’s a good idea to compare your coverage options and speak to an insurance agent about your options.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA4.7$43$22Veterans
State Farm4.6$45$23Safe drivers
Auto-Owners4.3$46$23New vehicles
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$21/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$42/mo

USAA has been in business for more than 100 years and receives high ratings for customer satisfaction. The company offers low rates for active-duty military members, veterans, and their families. Nearly 9,000 veterans currently live in Madison, so many drivers in the city can benefit from coverage from USAA.

Pros
  • High customer satisfaction ratings

  • Discount of up to 30% via SafePilot safe driving program

Cons
  • Exclusive eligibility requirements for active-duty military members, veteranas, and their families

  • No 24/7 customer phone support

Read our USAA review
Richard - May 15, 2024
Verified

Simply the Best

Outstanding in every way.

James - May 14, 2024
Verified

Compliance with Florida Law

I recently sold my Lexus and attempted to remove it from my insurance policy. I was told that I first had to surrender the plates and registration, which I had already done in compliance with Florida law. I believe this should reduce my monthly insurance payment.

Herb - May 14, 2024
Verified

Frustration

It's hard to get them to access my accounts - it's also difficult to set up passwords.

Best insurer for safe drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$43/mo

State Farm offers insurance products in all 50 states and gives policyholders numerous opportunities to save on auto insurance. Safe drivers can use the Drive Safe & Save program to save up to 30% on car insurance. The company offers customizable coverage and bundling opportunities.

Pros
  • Rideshare insurance available

  • Above-average J.D. Power customer satisfaction rating in the North Central region

Cons
  • Doesn’t offer gap insurance 

  • Potentially not the most affordable option for drivers with traffic violations

Read our State Farm review
Marie - May 15, 2024
Verified

Terrible

If you have a claim, they will drop you.

Mike - May 15, 2024
Verified

Increased Monthly Premium

There isn't much customer loyalty; discounts are negligible.

Charles - May 15, 2024
Verified

Good but Pricey

The price went up 36% this year and 15% last year, but the coverage is good and the claims seem to be fair. I use insurance that is better than the state requirements.

Best insurer for new vehicles: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$22/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo

Founded in 1916, Auto-Owners offers policyholders Purchase Price Guarantee, Total Loss, and gap insurance coverages, which can all benefit owners of new cars. If your financed, newer vehicle is totaled, these coverages can help you receive the original cost of the vehicle and pay off any remaining loan or lease balance. Additionally, Auto-Owners at least 13 discounts, including savings tied to how you pay for coverage, whether you bundle policies, and more.

Pros
  • Above-average J.D. Power customer satisfaction rating in the North Central region

  • Multiple available coverages to help protect new cars

Cons
  • Not available in every state

  • Online quotes not available

Read our Auto-Owners review
James - May 14, 2024
Verified

Excellent

I'm quite satisfied, I'm just getting a quote from you.

Charles - May 14, 2024
Verified

Average

They're no different than any other company. They give a good price, then start raising your rates.

Duncan - May 11, 2024
Verified

Price Skyrocketed

They had very competitive pricing until 2024, but not after that.

How to get the cheapest car insurance in Madison

Insurance companies look at a variety of factors to determine your auto insurance rates. Insurers use different parameters, but most look at your driving history, location, age, and deductible.

Here are five ways to find lower rates on car insurance in Madison:

  • Choose a higher deductible. You’ll pay an out-of-pocket deductible before your insurance company pays an insurance claim. The higher your deductible, the less you’ll pay each month for auto insurance.

  • Choose a safer car. Most insurance companies will lower your premium if your car has safety features like airbags, anti-lock brakes, and alarm systems.

  • Take advantage of low-mileage discounts. If your annual mileage is below average, you may qualify for a low-mileage discount.

  • Bundle your insurance coverage. Another way to save is by bundling your auto policy with home insurance, renters insurance, or life insurance.

  • Shop around. Different insurance companies offer different rates and discounts, so you should shop around among different insurers. An online comparison tool is a good way to compare rates from multiple insurers simultaneously.

Cheapest liability-only car insurance in Madison: USAA

Liability-only car insurance covers the other driver’s vehicle damages and medical expenses if you cause an auto accident. It doesn’t pay for any of your car repairs or medical bills you incur.[4]

Because liability insurance is less expensive than full coverage, some drivers choose it to save money on auto insurance. It makes the most sense for drivers with inexpensive or older vehicles.

Here are the cheapest options for liability-only insurance in Madison.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA21
Auto-Owners22
State Farm22
Erie28
GEICO29
American Family31
Mile Auto33
Chubb36
Farmers43
Nationwide43
Safeco43
Clearcover46
Progressive50
Midvale Home & Auto53
Travelers55
Liberty Mutual56
National General61
Allstate62
Dairyland65
The General76
Bristol West78
Direct Auto80
State Auto82
Foremost97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Madison: USAA

Full-coverage auto insurance typically includes liability, collision, and comprehensive insurance. It offers you the most protection if you have an auto accident. Full-coverage insurance can also kick in for damages from vandalism, theft, falling objects, and more.

Because full-coverage insurance comes with more robust protection, it costs more than liability-only insurance. Here are some of the cheapest full-coverage quotes for Madison drivers.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA42
State Farm43
Auto-Owners44
Mile Auto52
Erie57
GEICO58
American Family62
Chubb71
Safeco72
Clearcover76
Farmers84
Nationwide84
Midvale Home & Auto99
Progressive101
Travelers108
Liberty Mutual121
Allstate122
National General143
State Auto144
Direct Auto147
The General158
Dairyland189
Bristol West214
Foremost250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Wisconsin

All Wisconsin drivers must meet the state’s minimum liability requirements to drive a car in the state. Operating a motor vehicle without insurance will result in a fine of $500.

Here are the state’s minimum legal requirements:[5]

CoverageMinimum Requirements
Property damage liability$10,000 per accident
Bodily injury liability$25,000 per person and $50,000 per accident

Liability-only insurance doesn’t provide enough coverage for many drivers. If you want additional protection, you should consider the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist coverage

    Uninsured motorist coverage protects you if you have an accident with an uninsured or underinsured driver who doesn’t have sufficient coverage for your damages and injury.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage, also called MedPay, can cover medical bills and hospital visits for you and your passengers following an accident. It can even kick in to cover funeral expenses.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have a car accident, collision coverage pays to repair or replace your vehicle, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damage and loss related to non-collision incidents. For example, comprehensive insurance covers vehicle repairs or replacement costs if it’s damaged in a storm, stolen, or broken into.[6]

Cheapest car insurance for drivers with an incident

Many factors influence your car insurance premiums, but your driving history may have the biggest effect. Drivers with a clean record pay the lowest rates for auto insurance. If you have a history of driving incidents — like speeding tickets, driving under the influence (DUI) charges, or at-fault accidents — you can expect to pay more for insurance.

Find Car Insurance in Madison After an Accident

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Cheapest car insurance for drivers with a speeding ticket: USAA

Speeding is one of the biggest causes of auto accidents. On average, 18,000 speeding-related crashes occur in Wisconsin every year, according to the Wisconsin Department of Transportation. If you receive a speeding ticket in Madison, you may face a fine between $200 and $800, depending on the violation.[7]

Your insurance premiums will also usually increase after receiving a speeding ticket. In Madison, you might pay $95 per month for a liability-only policy with a speeding ticket on your record.

The following table compares monthly liability quotes for Madison drivers with clean records versus those with speeding violations.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
USAA2129
Auto-Owners2230
State Farm2230
Erie2839
GEICO2940
American Family3142
Mile Auto3348
Chubb3650
Farmers4359
Nationwide4359
Safeco4360
Clearcover4664
Progressive5069
Midvale Home & Auto5375
Travelers5576
Liberty Mutual5684
National General6192
Allstate6285
Dairyland6590
The General76105
Bristol West78106
Direct Auto80111
State Auto82122
Foremost97146
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

At-fault accidents are another driving incident that cause premiums to increase. Every time you file a claim request for an at-fault accident, your insurance company has to pay for repairs to your vehicle and the other driver’s vehicle. This makes you more expensive to insure, and your insurer could decide not to renew your policy if you have multiple at-fault accidents.[8]

Madison drivers with an at-fault accident pay a monthly average of $94 for liability-only insurance. Here are the cheapest liability insurance options for Madison drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
USAA2129
Auto-Owners2231
State Farm2231
Erie2840
GEICO2941
American Family3143
Mile Auto3350
Chubb3651
Farmers4360
Nationwide4361
Safeco4358
Clearcover4668
Progressive5071
Midvale Home & Auto5378
Travelers5577
Liberty Mutual5685
National General6185
Allstate6287
Dairyland6591
The General76108
Bristol West78107
Direct Auto80114
State Auto82126
Foremost97148
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is a major offense in Wisconsin, and your first incident would result in a fine between $150 and $300. You’d also face driver’s license revocation for six to nine months.[9] Additional violations will lead to higher fines and possible jail time.

Your auto insurance rates typically increase significantly after you get a DUI, and in some cases, your insurer may drop you as a customer. If you’ve been convicted of a DUI, you might pay as much as $106 per month in Madison for a minimum coverage policy.

Here are some of the cheapest liability-only quotes for Madison drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
USAA2136
Auto-Owners2238
State Farm2238
Erie2848
GEICO2950
American Family3153
Mile Auto3352
Chubb3662
Farmers4374
Nationwide4374
Safeco4374
Clearcover4679
Progressive5086
Midvale Home & Auto5391
Travelers5595
Liberty Mutual5696
National General61105
Allstate62107
Dairyland65112
The General76131
Bristol West78134
Direct Auto80138
State Auto82141
Foremost97167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Your age can affect your car insurance premium. Most people see their auto insurance rates decrease after the age of 35. But once you reach 75, rates can start creeping back up again because senior drivers are more likely to have a car accident and face injury.[10]

A liability-only policy for a senior driver in Madison costs $38 per month, on average.

Fortunately, seniors can save money on auto insurance by enrolling in an approved defensive driving course or taking advantage of low-mileage discounts. Here are the cheapest insurers for senior drivers in Madison.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1530
State Farm1529
USAA1529
Erie1837
GEICO2040
American Family2142
Mile Auto2234
Chubb2345
Nationwide2855
Farmers2957
Safeco3051
Progressive3163
Clearcover3253
Midvale Home & Auto3565
Travelers3874
Liberty Mutual3984
National General43101
Allstate4486
Dairyland46133
Direct Auto5499
Bristol West55150
State Auto5597
The General55114
Foremost66171
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teen drivers pay some of the highest rates for auto insurance due to their lack of driving experience. Motor vehicle crashes are the leading cause of death for U.S. teens. Drivers between the ages of 16 and 19 have a fatal crash rate nearly three times as high as drivers older than 20.[11]

Teenage and young drivers in Madison pay a monthly average of $98 for liability-only coverage. Young drivers can find more affordable car insurance by earning good student discounts or driving a safe vehicle. Joining your parents’ existing insurance policy is another way to secure the best rate.

Here are the cheapest options for teenage drivers in Madison.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA3366
State Farm3569
Auto-Owners3672
GEICO4386
Erie4591
American Family52103
Mile Auto6196
Chubb63125
Nationwide70136
Farmers72141
Clearcover85141
Progressive86174
Safeco86144
Midvale Home & Auto88164
Travelers94185
Liberty Mutual99215
Allstate103203
Dairyland103301
National General109254
The General117242
Bristol West126346
State Auto138243
Direct Auto139256
Foremost163421
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Madison

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Madison car insurance quotes by credit tier

Wisconsin is one of many states that allows insurance companies to consider credit history when determining insurance premiums. Some research shows that drivers with bad credit file more insurance claims, which is why insurers may adjust rates accordingly.

Drivers with excellent or good credit scores pay less for auto insurance than people with poor credit scores. Here’s what Madison drivers can expect to pay for full-coverage car insurance by credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Madison?

Madison's car insurance rates are on part with Wisconsin's state averages, but lower than national averages. In Madison, full coverage averages $125 per month while liability-only coverage is $60 per month. Wisconsin's averages are $140 for full coverage and $57 for minimum coverage, while the national averages are $215 and $104, respectively.

Wisconsin car insurance rates can vary depending on your city and your ZIP code. For example, if you live in a city with higher rates of vandalism, you can expect to pay more for auto insurance. You’ll also pay more for insurance if you live in a big city than in a small town.

More cities in Wisconsin

Here are monthly rates in some other Wisconsin cities.

CityFull CoverageLiability Only
Kenosha$142$69
Milwaukee$206$91
Racine$136$73
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Madison car insurance FAQs

Before you compare quotes from multiple insurers, you should decide how much coverage you need. The following information should help you navigate the process of buying cheap car insurance in Madison, Wisconsin.

  • How much is car insurance in Madison, Wisconsin?

    The overall average cost of car insurance in Madison is $93 per month. On average, Madison drivers pay $60 per month for liability coverage and $125 for full-coverage insurance, according to Insurify data.

  • Who has the cheapest car insurance in Madison?

    USAA offers the cheapest car insurance quotes in Madison, with liability-only rates starting at $21 per month. Madison drivers can also find affordable coverage through the city's second- and third-cheapest insurers, Auto-Owners and State Farm, which have minimum-coverage rates as low as $22 and $22, respectively.

    Your actual quotes may be higher or lower than average, based on factors specific to you like your age, gender, and driving history.

  • What are the best car insurance companies in Madison?

    USAA, State Farm, and Auto-Owners are among the best insurers offering coverage for Madison drivers. All three offer competitive rates, have good financial strength ratings from AM Best, and IQ scores of 4 (out of 5) or better. That said, the best insurer for you may be different, based on your individual rating factors and coverage needs. Comparing quotes from multiple companies is the best way to find the coverage you need at an affordable price.

  • How much is car insurance in Wisconsin per month?

    Car insurance in Wisconsin costs $101 per month, on average. Drivers in the state pay $61 per month for liability coverage and $140 for full-coverage insurance.

  • What is the minimum coverage for car insurance in Wisconsin?

    Wisconsin drivers must carry a minimum of $10,000 per accident in property damage liability coverage, as well as $25,000 per person and $50,000 per accident in bodily injury liability coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information."
  3. NOLO. "Wisconsin Car Insurance Requirements."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. State of Wisconsin Department of Transportation. "Minimum insurance requirements."
  6. Insurance Information Institute. "What is covered by a basic auto insurance policy?."
  7. State of Wisconsin Department of Transportation. "Speeding."
  8. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  9. State of Wisconsin Department of Transportation. "OWI AND RELATED ALCOHOL AND DRUG OFFENSE PENALTIES (AS OF OCTOBER 1, 2020)."
  10. Centers for Disease Control and Prevention. "Older Adult Drivers."
  11. Centers for Disease Control and Prevention. "Teen Drivers: Get the Facts."
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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