Where the Wisconsin Market Stands
Wisconsin auto insurance has seen upward rate pressure in recent years as carriers worked to restore underwriting margins after elevated loss costs. Branch's February 2026 announcement of a -15% average rate decrease is the first confirmed carrier cut in our Wisconsin auto tracker. The filing also introduced a new advanced quote discount structure: 10% for policies quoted 3–7 days ahead of the effective date, and 16% for policies quoted 8–60 days ahead — replacing the prior future effective date discount.
| Carrier | Direction | Magnitude | Effective (NB / Ren) | Source |
|---|---|---|---|---|
| Branch | Cut: Cut | -15% | NB: Feb 13, 2026 Ren: Mar 25, 2026 | Carrier bulletin |
| Progressive | Cut: Cut | -4.1% | NB: Dec 12, 2025 Ren: Feb 5, 2026 | Filing |
| Travelers | Flat: Flat | — | — | SERFF review |
| GEICO | Cut: Cut | -4.1% | NB: Apr 3, 2026 Ren: May 29, 2026 | Filing |
- DirectionCut: CutMagnitude -15%EffectiveNB: Feb 13, 2026Ren: Mar 25, 2026Source Carrier bulletin
- ProgressiveDirectionCut: CutMagnitude -4.1%EffectiveNB: Dec 12, 2025Ren: Feb 5, 2026Source Filing
- TravelersDirectionFlat: FlatMagnitude —Effective—Source SERFF review
- GEICODirectionCut: CutMagnitude -4.1%EffectiveNB: Apr 3, 2026Ren: May 29, 2026Source Filing
Why Rates Are Moving
Branch's -15% reduction signals improved loss experience in Wisconsin. The simultaneous restructuring of the advance quote discount — replacing a flat future-effective-date discount with a tiered structure based on how far in advance the policy is quoted — rewards agents and policyholders who plan ahead. The 16% tier (8–60 days out) is available on top of the new lower base rate, making Branch's Wisconsin auto pricing more competitive than it has been in prior years.
We will continue tracking additional Wisconsin carriers as filings are confirmed. If you have a Wisconsin auto renewal coming, a comparative quote is the fastest way to determine whether your current carrier's rate is in line with the market.
