Affordable Auto Insurance In Wisconsin: Best Options

Wisconsin drivers pay less than the national average for auto insurance. The average car insurance premium in Wisconsin is $1,145 per year, but this can vary depending on factors such as age, driving history, location, and credit score.

The cheapest car insurance companies in Wisconsin for minimum coverage include GEICO, Rural Mutual, and Erie. For full coverage, the cheapest companies are USAA, Erie, and Geico.

Cheapest car insurance for young drivers

Young drivers in Wisconsin can expect to pay more for car insurance than older adults. This is because insurance companies view young drivers as high-risk due to their lack of driving experience.

According to MarketWatch, 16-year-olds in Wisconsin pay about $5,431 per year for full-coverage car insurance if they have their own policy. The cheapest car insurance for young drivers in Wisconsin is offered by Auto-Owners Insurance, with an average annual premium of $5,312.

However, young drivers can save money by sharing a policy with their parents. A shared policy can reduce premiums by around 62% compared to separate insurance plans.

For 17-year-olds, the cheapest car insurance in Wisconsin is also offered by Auto-Owners Insurance, with an average annual premium of $5,922.

For 18-year-olds, the cheapest car insurance is offered by Geico, West Bend, and Erie Insurance, with an average annual premium of $5,312.

For 19-year-olds, the cheapest car insurance is offered by Geico, West Bend, and Erie Insurance, with an average annual premium of $4,544.

For 21-year-olds, the cheapest car insurance is offered by Geico, Erie Insurance, and West Bend, with an average annual premium of $3,592.

For 25-year-olds, the cheapest car insurance is offered by Geico, Erie Insurance, and West Bend, with an average annual premium of $2,515.

In addition to age, other factors that can affect car insurance rates for young drivers in Wisconsin include gender, driving history, and credit score. Female drivers generally pay lower premiums than male drivers due to lower accident and violation rates. A clean driving record and a good credit score can also help young drivers obtain cheaper car insurance.

Cheapest car insurance for drivers with poor credit

In Wisconsin, some insurance companies consider your credit score when calculating your auto insurance rates. Drivers with poor credit scores are seen as riskier to insure and are charged higher rates.

USAA and Geico offer the most affordable premiums for drivers with poor credit in Wisconsin, with average annual rates of $1,291 and $1,317, respectively. These rates are significantly lower than the statewide average of $2,322 per year.

Other affordable options for drivers with poor credit in Wisconsin include:

• West Bend Mutual Company
• State Farm
• Auto-Owners Insurance Company

Cheapest car insurance for drivers with a DUI

If you have a DUI on your record, you will want to find affordable car insurance. In Wisconsin, car insurance rates increase by 59% on average after a DUI. That's an average of $75 more per month for full coverage insurance. You may also need to get SR-22 insurance, which costs between $15 and $50.

The cheapest car insurance in Wisconsin for drivers with a DUI is from State Farm, with an average rate of $1,101 per year. Allstate has the highest rates for this group of drivers, at $3,184 per year.

• Erie: $130 per month for full coverage.
• Chubb: $1,028 per year for full coverage.
• American Family: $752 per year for full coverage.

Cheapest car insurance for minimum coverage

When it comes to minimum coverage car insurance in Wisconsin, there are a few companies that offer affordable rates. Here are some of the cheapest options:

• Rural Mutual: According to MarketWatch, Rural Mutual offers the cheapest minimum coverage in Wisconsin at an average rate of $23 per month or $276 per year. They have strong local coverage with over 150 agents in the state.
• Erie Insurance: Erie Insurance is another affordable option for minimum coverage. Their rates are similar to Rural Mutual, with an average of $24 per month for a 30-year-old male driver. They also have great customer service and are highly rated by J.D. Power.
• Geico: While Geico is known for having the cheapest full coverage in Wisconsin, they also offer competitive rates for minimum coverage. Their average rate is $32 per month, according to NerdWallet.
• USAA: USAA offers extremely affordable rates, with an average annual premium of $702 for minimum coverage. However, their policies are only available to military members, veterans, and their families.
• American Family: American Family, also known as AmFam, is another option for minimum coverage. Their rates are slightly higher than the previous companies, with an average of $28 per month for minimum liability insurance.

When shopping for car insurance, it's important to consider not only the price but also the company's customer service, coverage options, and your own personal needs. It's always a good idea to get quotes from multiple companies and compare their offerings before making a decision.

Cheapest car insurance for full coverage

When it comes to finding the cheapest car insurance for full coverage in Wisconsin, several providers emerge as consistently affordable options. Here are four to six paragraphs with a detailed and instructive overview of the topic.

Cheapest Full Coverage Car Insurance in Wisconsin

According to recent analyses, Geico, Erie, and USAA offer the most affordable rates for full coverage car insurance in Wisconsin. Geico's average rate is $908 per year, while Erie's full coverage costs $83 per month, or $45 less than the state average. USAA, catering to military members, offers even lower rates, with an average annual premium of $730.

Factors Affecting Rates

It's important to note that rates can vary based on personal factors such as age, driving record, and location. For example, young drivers in their 20s tend to have higher insurance rates, while seniors over 65 benefit from lower premiums. Additionally, drivers with speeding tickets or accidents on their records will likely experience higher rates.

Cheapest by Driver Profile

The cheapest full coverage option for you will depend on your specific profile. For instance, Geico offers the best rates for 35-year-old drivers with a clean driving history, while Erie is the most affordable for 20-year-olds. If you're a teen driver, consider Erie or Auto-Owners, as their rates are significantly lower than the state average for young drivers.

Comparison Shopping

To ensure you're getting the best deal, it's recommended to compare quotes from multiple insurers. Aside from the previously mentioned companies, Rural Mutual, State Farm, and American Family are also worth considering, depending on your circumstances. By shopping around and taking advantage of discounts, you can find the cheapest full coverage car insurance in Wisconsin that suits your needs.

Additional Considerations

While cost is an important factor when choosing car insurance, it's not the only consideration. Customer service is also crucial, as you want a company that will make the claims process smooth and stress-free. Companies like Erie and USAA receive high marks for customer satisfaction. Furthermore, if you're a military member or veteran, USAA is an exclusive and affordable option.

By considering your personal factors, comparing rates, and reviewing customer service ratings, you can make an informed decision about the cheapest full coverage car insurance in Wisconsin that meets your needs.

Frequently asked questions