Car Insurance After an Accident in Wisconsin: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Wisconsin increases insurance by 35%, raising full coverage from $1,494/year to $2,017/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$125/mo
After At-Fault Accident (+35%)
$168/mo
Cheapest Companies After Accident in Wisconsin
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $124/mo | $1,493/yr | Military families |
| Erie Insurance | $133/mo | $1,593/yr | Rate lock guarantee |
| GEICO | $138/mo | $1,654/yr | Clean driving record |
| Progressive | $148/mo | $1,775/yr | Telematics savings |
| State Farm | $153/mo | $1,835/yr | Good students |
| Travelers | $160/mo | $1,916/yr | Multiple discounts |
| Nationwide | $175/mo | $2,098/yr | Bundling home + auto |
| Farmers | $182/mo | $2,178/yr | Signal telematics |
| Allstate | $188/mo | $2,259/yr | Accident forgiveness |
| Liberty Mutual | $198/mo | $2,380/yr | New car replacement |
USAACheapest
Monthly
$124/mo
Annual
$1,493/yr
Best for: Military families
Erie Insurance
Monthly
$133/mo
Annual
$1,593/yr
Best for: Rate lock guarantee
GEICO
Monthly
$138/mo
Annual
$1,654/yr
Best for: Clean driving record
Progressive
Monthly
$148/mo
Annual
$1,775/yr
Best for: Telematics savings
State Farm
Monthly
$153/mo
Annual
$1,835/yr
Best for: Good students
Travelers
Monthly
$160/mo
Annual
$1,916/yr
Best for: Multiple discounts
Nationwide
Monthly
$175/mo
Annual
$2,098/yr
Best for: Bundling home + auto
Farmers
Monthly
$182/mo
Annual
$2,178/yr
Best for: Signal telematics
Allstate
Monthly
$188/mo
Annual
$2,259/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$198/mo
Annual
$2,380/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses