Wisconsin Auto Insurance Rates
Median premium: $590/6mo across 12 carriers and 896 ZIP codes.
Premiums range from $464 to $1,210 — a 2.6x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$590
per 6 months
ZIP Codes
896
with rate data
Carriers
12
rated in WI
Price Spread
2.6x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $444 | 896 ZIPs | 100% | |
| 2 | GEICO | $463 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $524 | 0 ZIPs | 0% | |
| 4 | Auto-Owners | $555 | 0 ZIPs | 0% | |
| 5 | State Farm | $568 | 0 ZIPs | 0% | |
| 6 | American Family | $586 | 0 ZIPs | 0% | |
| 7 | Progressive | $595 | 0 ZIPs | 0% | |
| 8 | Farmers | $639 | 0 ZIPs | 0% | |
| 9 | Nationwide | $679 | 0 ZIPs | 0% | |
| 10 | Travelers | $691 | 0 ZIPs | 0% | |
| 11 | Liberty Mutual | $709 | 0 ZIPs | 0% | |
| 12 | Allstate | $802 | 0 ZIPs | 0% |
1
$444USAA#1 in 896 ZIPs (100%)
2
$463GEICO#1 in 0 ZIPs (0%)
3
$524Erie Insurance#1 in 0 ZIPs (0%)
4
$555Auto-Owners#1 in 0 ZIPs (0%)
5
$568State Farm#1 in 0 ZIPs (0%)
6
$586American Family#1 in 0 ZIPs (0%)
7
$595Progressive#1 in 0 ZIPs (0%)
8
$639Farmers#1 in 0 ZIPs (0%)
9
$679Nationwide#1 in 0 ZIPs (0%)
10
$691Travelers#1 in 0 ZIPs (0%)
11
$709Liberty Mutual#1 in 0 ZIPs (0%)
12
$802Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Wisconsin
| City | Avg Median | ZIPs |
|---|---|---|
| Cottage Grove | $464 | 1 |
| Deforest | $464 | 1 |
| Mc Farland | $464 | 1 |
| Middleton | $464 | 1 |
| Morrisonville | $464 | 1 |
Most Expensive Cities in Wisconsin
| City | Avg Median | ZIPs |
|---|---|---|
| Winter | $786 | 1 |
| Weyerhaeuser | $786 | 1 |
| Webster | $786 | 1 |
| Washburn | $786 | 1 |
| Wascott | $786 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$890/6mo
53295 (Milwaukee)
Cheapest ZIP
$464/6mo
53527 (Cottage Grove)
2.6x
Price Spread
The most expensive ZIP in Wisconsin costs 2.6x more than the cheapest. Your ZIP code matters more than you think.
Wisconsin Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Wisconsin
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Access ZIP-level rate data across all 12 carriers, 896 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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