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Find the Best Car Insurance Companies in Southern Wisconsin

Crashes in Wisconsin have been on the rise in recent years. Many residents of Beaver Dam, Portage, Baraboo and other towns purchase more than just minimum insurance coverage to help them avoid costly payments in case of an accident. WiscNews has partnered with ConsumerAffairs to create this guide by comparing consumer reviews and local availability of 16 businesses and choosing six favorites from the top car insurance companies in southern Wisconsin.

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Compare Southern Wisconsin Car Insurance Companies

Southern Wisconsin car insurance costs and quotes

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In southern Wisconsin, car insurance policies can cost anywhere from $450 to $1,600 per year. A lot goes into calculating this cost, including a driver’s age, sex, marital status, ZIP code, vehicle details and more. Insurers may also use credit information when calculating rates.

We’ve collected some example quotes for car insurance costs in several towns in Wisconsin at the time of publishing. These rates are for a 35-year-old unmarried woman who owns a 2015 Honda Civic that she drives for personal use. She rents her home, is employed full time and has a college degree. She has no history of accidents or tickets. Your own quote will vary depending on several factors — the following quotes are just examples.

Comprehensive ($250K/$500K/$100K): This type of insurance covers collision, comprehensive and liability, meaning almost any accident will be covered. This type of insurance is the most expensive, but Wisconsinites who can afford it have the best coverage.

  • Baraboo (53913): $590
  • Beaver Dam (53916): $624
  • Columbus (53925): $612
  • Juneau (53039): $628
  • Portage (53901): $660

Liability ($50K/$100K/$50K): This type of insurance covers another driver’s injuries or vehicle damage if you’re determined to be at fault for the accident.

  • Baraboo (53913): $482
  • Beaver Dam (53916): $498
  • Columbus (53925): $496
  • Juneau (53039): $502
  • Portage (53901): $538

State minimum: ($25K/$50K/$10K): This type of insurance is the minimum required by the state of Wisconsin, including liability and uninsured motorist coverage.

  • Baraboo (53913): $442
  • Beaver Dam (53916): $464
  • Columbus (53925): $456
  • Juneau (53039): $458
  • Portage (53901): $498

Driving in southern Wisconsin

Car insurance is required by law, so Wisconsin drivers must at least have the state minimum coverage. Here are a few driving difficulties you might face in Wisconsin and how car insurance can help mitigate some risk.

Crashes in Wisconsin

According to data from the Wisconsin Department of Transportation, car crashes have been steadily increasing over recent years. In 2018, Wisconsin saw 144,212 crashes, resulting in 41,124 injuries and 576 fatalities, according to the state’s Department of Transportation. Car insurance protects you financially if you injure someone or damage their property in a car accident, and collision coverage helps you pay for your own car repairs.

Road conditions in Wisconsin

Drivers in southern Wisconsin face snowy and icy road conditions every winter. This increases the number of car accidents, exposing Wisconsinites to big financial hits if they don’t have adequate car insurance coverage.

Vehicle theft in Wisconsin

Recently, car thefts have been on the rise in 8 of 10 of Wisconsin’s most populous counties. Neighborhoods in cities around the state may see higher insurance rates as a result of the increased risk of car theft. If you live in a neighborhood where car thefts have occurred, confirm that your car insurance policy covers car theft.

What is the minimum auto insurance coverage in southern Wisconsin?

In Wisconsin, drivers are required to have a minimum of 25K/50K/10K liability insurance. This means the policy must cover at least $25,000 in case of injury or death of one person, $50,000 for injury or death of more than one person and $10,000 for property damage. State law also requires drivers to carry uninsured motorist coverage in the amount of $25,000 for one person and $50,000 for two or more people for bodily injury.

Southern Wisconsin car insurance FAQ

Who has the cheapest auto insurance?

Of the companies we featured on this guide, GEICO had the cheapest car insurance for a 35-year-old female at the time of publishing. Your actual rate will vary depending on personal and vehicle information.

What is recommended for car insurance coverage?

It is not recommended to get just the minimum required coverage, since it doesn’t cover any of your personal costs in an at-fault accident. Most providers recommend $50K/$100K/$50K liability coverage. You may also choose to purchase collision, comprehensive and medical payments coverage for additional protection.

How can I save on car insurance?

Most insurance providers offer a wide variety of discounts you might qualify for. When getting a quote, ask about these savings opportunities and make sure all available discounts are applied. The most common discounts are for being a safe driver, enrolling in automatic payment, being a good student, insuring multiple cars or bundling policies.

How much liability insurance do I need?

By law, you must have a minimum of 25K/50K/10K liability insurance in Wisconsin. You may need more coverage depending on the value of your assets and your desire for more financial protection.

What does full coverage car insurance consist of?

Full coverage car insurance includes liability, collision and comprehensive coverage and even other coverages. This will protect you in nearly any car accident, whether you’re at fault or not.

Southern Wisconsin car insurance company information

EverQuote

EverQuote is an online policy comparison tool that lets consumers shop rates from insurance providers like Esurance, AAA, Farmers, Mercury Insurance, Nationwide, American Family Insurance, Progressive and Liberty Mutual. Once customers choose a compatible policy, they connect with a local agent who answers questions and helps complete the purchase. This free-to-use tool lets budget-conscious consumers compare policies at a variety of coverage levels.

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Progressive

Progressive serves Wisconsinites both online and through its network of agents. The company’s policies feature accident forgiveness programs and flexible payment plans. Coverage is available for cars, motorcycles, RVs and boats. The company has discounts for paperless billing, safe drivers, customer loyalty and more.

Progressive

GEICO

GEICO is a leading auto insurance provider, offering savings opportunities on policies with any level of coverage. The company provides discounts for good drivers, safe cars and more. Visit GEICO’s website to get an instant quote and purchase a policy online, or contact a local Wisconsin agent to set up a policy in person.

GEICO

State Farm Auto Insurance

State Farm is a popular insurance provider with an emphasis on customer service and affordable prices. Consumers may request a quote online or work with a local Wisconsin agent to get pricing on an insurance policy. Drivers may qualify for a number of savings options, including safe driving discounts and good student savings.

State Farm Auto Insurance

Allstate Auto Insurance

Allstate provides auto insurance policies for cars, motorcycles and off-road vehicles in southern Wisconsin. Get an instant quote online and purchase a policy right away. Wisconsin residents may also contact a local agent for more detailed assistance. Policyholders can add the accident forgiveness option, sign up for a deductible rewards program and tack on other extra features to a policy.

Allstate Auto Insurance

USAA Auto Insurance

USAA provides a car insurance option for both former and current military members and their families. Policies come with flexible payment options and a variety of discounts to reduce rates. Accident forgiveness and custom comprehensive coverage are available on all policies. Ask about military-specific discounts, like savings for storing a vehicle at a base.

USAA Auto Insurance