On this page
The cheapest car insurance in Wisconsin is Progressive at $122 a month for full coverage, according to InsuranceQuotes and Quadrant, and National General at $117 a month, according to Experian. For liability-only coverage, Progressive is cheapest at $22 a month, per InsuranceQuotes, and Liberty Mutual Agency is cheapest at $50 a month, per Experian. The cheapest company changes with the dataset because each one prices a different driver, and the honest answer is that the cheapest carrier in Wisconsin is usually Progressive, Erie, or GEICO, with USAA cheapest of all for the military families who can buy it. Wisconsin is one of the cheaper states for car insurance, and the gap between the cheapest and the most expensive carrier is more than $100 a month.
This post is the cheapest lane, not the cost lane. Our Wisconsin homeowners guide covers the house side of the same household, and this post covers the car. It compares the cheapest carrier in each dataset, explains why the winners change, breaks out the cheapest carrier by driver type and by city, and spells out the minimum coverage Wisconsin requires.
Who has the cheapest car insurance in Wisconsin?
Progressive is the cheapest full coverage carrier in the InsuranceQuotes dataset, and National General is cheapest in Experian’s. The two disagree because they price different drivers. InsuranceQuotes prices a 40-year-old with a clean record, 100/300/100 limits, and $500 deductibles, using rates insurers filed with state regulators. Experian prices quotes sold through its marketplace in September 2026. ValuePenguin prices a 30-year-old man and puts American Family cheapest at $119 a month. SoFi prices a 30-year-old man with a clean record and puts GEICO cheapest at $110 a month. Insurify prices real-time quotes and puts USAA cheapest at $55 a month for full coverage, but USAA only sells to military families.
| Source | Cheapest full coverage | Cheapest liability-only | Driver priced |
|---|---|---|---|
| InsuranceQuotes / Quadrant | Progressive $122/mo | Progressive $22/mo | 40-year-old clean, 100/300/100, $500 deductibles |
| Experian | National General $117/mo | Liberty Mutual Agency $50/mo | Marketplace quotes, Sep 2026 |
| ValuePenguin | American Family $119/mo | Erie $28/mo | 30-year-old man |
| SoFi / Quadrant | GEICO $110/mo | Not listed | 30-year-old man, clean record |
| Insurify | USAA $55/mo | USAA $29/mo | Real-time quotes, military eligible only |
| Luva / Quadrant | USAA $102/mo, GEICO $102/mo | Not listed | 35-year-old clean, good credit |
Read the table as a shortlist, not a ranking. Progressive, Erie, GEICO, American Family, and National General all appear at or near the top in at least one dataset, and any of them can be cheapest for a specific driver in a specific ZIP code. USAA is cheapest in every dataset that includes it, at $55 a month for full coverage per Insurify and $88 a month per InsuranceQuotes, but it is limited to military members, veterans, and their families. For everyone else, the practical shortlist is Progressive, Erie, and GEICO, plus American Family if you want a local agent. American Family is headquartered in Madison and is cheapest in 85 percent of Wisconsin cities, per ValuePenguin, which makes it the regional carrier to check alongside the nationals.
Why the cheapest carrier keeps changing
The cheapest carrier changes because the datasets price different drivers, and each insurer prices different drivers differently. A 40-year-old with a clean record gets Progressive at $122 a month in InsuranceQuotes. A 30-year-old man gets American Family at $119 in ValuePenguin and GEICO at $110 in SoFi. A real-time quote shopper gets National General at $117 in Experian. None of these is wrong. They are different drivers, and insurers have different appetites for each one. Progressive prices the 40-year-old well. GEICO prices the 30-year-old well. American Family prices its home-state drivers well.
The coverage level changes the winner too. For liability-only coverage, Progressive is cheapest at $22 a month in InsuranceQuotes, Erie is cheapest at $28 in ValuePenguin, and Liberty Mutual Agency is cheapest at $50 in Experian. The same driver can have a different cheapest carrier for minimum coverage and for full coverage, because each insurer prices the comprehensive and collision part of the policy differently. The lesson is to compare the same coverage level across carriers, and to compare both levels if you are deciding between them. A carrier that is cheapest for minimum coverage is not necessarily cheapest for full coverage, and the gap between the two is where the money is.
Cheapest by carrier: the full table
InsuranceQuotes gives the cleanest carrier-by-carrier comparison, because it prices the same driver with the same coverage across six major insurers plus three more. Progressive is cheapest at $122 a month for full coverage, followed by Erie at $157, GEICO at $168, Acuity at $195, American Family at $230, and Allstate at $235. USAA at $88 and Travelers at $96 are cheaper than all six, but USAA is military only, and Travelers is priced from a different sample. Auto-Owners is most expensive in this table at $221 a month, which is worth noting because Auto-Owners is the cheapest home insurer in neighboring Michigan. The two lines are priced separately, and a cheap home insurer is not necessarily a cheap auto insurer.
| Insurer | Full coverage monthly | Liability-only monthly |
|---|---|---|
| Progressive | $122 | $22 |
| Erie | $157 | $30 |
| GEICO | $168 | Not listed |
| Acuity | $195 | Not listed |
| Auto-Owners | $221 | Not listed |
| American Family | $230 | Not listed |
| Allstate | $235 | Not listed |
| USAA (military only) | $88 | Not listed |
| Travelers | $96 | Not listed |
Experian’s table tells the same story from the marketplace side. National General is cheapest for full coverage at $117 a month, followed by Liberty Mutual Agency at $126, GEICO at $135, Root at $143, and Progressive at $147. For minimum coverage, Liberty Mutual Agency is cheapest at $50 a month, followed by National General at $54 and GEICO at $59. The state average in Experian’s data is $138 a month, or $1,660 a year, which sits between InsuranceQuotes’ $184 and MoneyGeek’s $87. The range across datasets is wide, from $87 to $187 a month for the state average, because MoneyGeek prices a lower-limit profile and Freeway prices actual policies rather than quotes. The carrier ranking is more stable than the average, and Progressive, Erie, and GEICO sit near the top in all of them.
Cheapest by driver type and by city
The cheapest carrier changes with the driver. Insurify’s real-time quotes put USAA cheapest overall at $29 a month for liability and $55 for full coverage, with Auto-Owners and State Farm next at $30 a month for liability. For seniors, USAA is cheapest at $23 a month. For drivers with excellent credit, USAA is cheapest at $25 a month. For drivers after a speeding ticket, USAA is cheapest at $38 a month. USAA wins every category it appears in, which is why the military eligibility question matters so much. If you can buy USAA, start there. If you cannot, the next cheapest in most categories are Auto-Owners, State Farm, and Progressive.
The city gap is the other lever. Milwaukee is the most expensive city in Wisconsin, and Green Bay is the cheapest. InsuranceQuotes puts Milwaukee at $244 a month for full coverage, Madison at $171, and Green Bay at $149. Freeway’s actual-policy data puts Milwaukee at $234 a month for full coverage, Madison at $168, and Green Bay at $129. ValuePenguin puts the cheapest city in the state at $136 a month in Kimberly, a small village outside Appleton, and notes that average quotes vary by as much as $92 a month from one city to the next. American Family is the cheapest carrier in 85 percent of Wisconsin cities, per ValuePenguin, including Milwaukee and Madison, which makes it the carrier to check first if you live in a metro area.
| City | InsuranceQuotes full monthly | Freeway full monthly | Insurify full monthly |
|---|---|---|---|
| Milwaukee | $244 | $234 | $188 |
| Madison | $171 | $168 | $118 |
| Green Bay | $149 | $129 | $104 |
| Kenosha | $184 | Not listed | Not listed |
| Racine | $183 | Not listed | Not listed |
Milwaukee costs more because it is bigger, denser, and has higher theft and accident rates. Milwaukee County is the most expensive county in InsuranceQuotes’ data at $231 a month, while Brown County, home to Green Bay, is cheapest at $153. The Fox Valley and Green Bay area cost least. A Milwaukee driver pays about $95 a month more than a Green Bay driver for the same coverage, or about $1,140 a year. That gap is worth more than most discounts, and it is decided by address alone.
Wisconsin minimums, and what they do not cover
Wisconsin requires liability limits of 25/50/10. That is $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability per accident. The state also requires uninsured motorist bodily injury coverage of 25/50 on every policy, which pays for your injuries if you are hit by a driver with no insurance. Wisconsin is an at-fault state, so the driver who causes a crash pays for the damage. About 10 to 12 percent of Wisconsin drivers are uninsured, per MoneyGeek and the Insurance Research Council, which is below the national average of 13 percent but still high enough that the uninsured motorist requirement matters. Driving uninsured in Wisconsin carries fines of up to $500.
Minimum coverage is cheap, and it is also thin. It pays for damage you cause to other people and their property, and it pays nothing for damage to your own car. A driver with minimum coverage who hits a deer, slides into a ditch on an icy road, or has a car stolen pays for all of it out of pocket. Full coverage adds collision and comprehensive, and the gap between the two is the real decision. InsuranceQuotes puts liability-only at $46 a month and full coverage at $184 a month for its benchmark driver, a $138 a month difference. MoneyGeek puts the gap at $36 against $87, a $51 difference on its lower-limit profile. Insurify puts it at $57 against $125, a $68 difference. The gap is worth pricing for your own car, because an older car with low value may not justify full coverage, while a newer car almost always does.
A worked example: Milwaukee versus Green Bay
Take a 40-year-old driver with a clean record, 100/300/100 limits, and $500 deductibles. In Milwaukee, InsuranceQuotes puts full coverage at $244 a month, or $2,928 a year. In Green Bay, the same coverage is $149 a month, or $1,788 a year. That is a $1,140 a year difference for the same driver and the same car. Now change the carrier. In Milwaukee, Progressive averages $122 a month statewide for full coverage against Allstate at $235, a $113 a month difference, or $1,356 a year. A Milwaukee driver who switches from Allstate to Progressive saves more than a Green Bay driver saves by moving cities. The two moves together are worth over $2,000 a year, and neither requires changing the coverage level. The cheapest move in Wisconsin is always the carrier, then the city, then the coverage level, in that order.
Key takeaways
The cheapest car insurance in Wisconsin is Progressive at $122 a month for full coverage, per InsuranceQuotes and Quadrant, and National General at $117 a month, per Experian. For liability-only, Progressive is cheapest at $22 a month, per InsuranceQuotes. USAA is cheapest overall at $55 a month for full coverage, per Insurify, but only for military families. Erie and GEICO are the other carriers that sit near the top in every dataset. Milwaukee is the most expensive city at $244 a month, and Green Bay is cheapest at $149. Wisconsin requires 25/50/10 liability plus 25/50 uninsured motorist coverage, and driving uninsured carries fines up to $500. The state average for full coverage runs $87 to $187 a month depending on the dataset, and the carrier you pick matters more than the average. For the house side, see our Wisconsin homeowners cost guide. For other states, see our cheapest car insurance in Minnesota guide, our cheapest car insurance in Florida guide, our cheapest car insurance in California guide, and our Virginia car insurance guide. The external benchmark for this post is InsuranceQuotes and Quadrant’s Wisconsin rates page.
Frequently asked questions
What is the cheapest car insurance in Wisconsin?
Progressive at $122 a month for full coverage, per InsuranceQuotes and Quadrant, and National General at $117 a month, per Experian. For liability-only, Progressive is cheapest at $22 a month, per InsuranceQuotes. USAA is cheapest overall at $55 a month for full coverage, per Insurify, but only for military members, veterans, and their families.
How much is car insurance in Wisconsin per month?
The state average for full coverage runs $87 to $187 a month depending on the dataset, because each one prices a different driver. InsuranceQuotes puts it at $184 a month, Experian at $138, Insurify at $125, and MoneyGeek at $87 on a lower-limit profile. For minimum liability, the range is $36 to $57 a month.
What is the minimum car insurance required in Wisconsin?
Liability limits of 25/50/10, which is $25,000 of bodily injury per person, $50,000 per accident, and $10,000 of property damage. Wisconsin also requires uninsured motorist bodily injury coverage of 25/50 on every policy. Driving uninsured carries fines of up to $500.
Is car insurance cheaper in Milwaukee or Green Bay?
Green Bay is much cheaper. InsuranceQuotes puts full coverage at $244 a month in Milwaukee and $149 a month in Green Bay, a difference of about $1,140 a year for the same driver. Freeway’s actual-policy data puts Milwaukee at $234 and Green Bay at $129. Madison sits between the two at $171 a month, per InsuranceQuotes.
Does USAA have the cheapest car insurance in Wisconsin?
Yes, in every dataset that includes it. Insurify puts USAA at $55 a month for full coverage and $29 a month for liability-only. InsuranceQuotes puts it at $88 a month for full coverage. The catch is eligibility. USAA only sells to military members, veterans, and their families, so most drivers need the next cheapest option, which is usually Progressive, Erie, or GEICO.
Should I buy minimum coverage or full coverage in Wisconsin?
It depends on the car’s value. Minimum coverage pays for damage you cause to others and nothing for your own car. Full coverage adds collision and comprehensive, which pay for crashes, theft, hail, and hitting a deer. The gap runs $51 to $138 a month depending on the dataset. An older car with low value may not justify full coverage, while a newer car almost always does.
