In Wisconsin, the average annual cost for full coverage car insurance is $1,082, while minimum coverage costs around $428. Your insurance rate varies based on age, coverage level, location, driving record and credit history.
How Much Is Car Insurance in Wisconsin? (December 2024)
Updated: December 19, 2024
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Key Takeaways
In Wisconsin, the average annual cost for full coverage car insurance is $1,082, which is notably more affordable than the national average of $1,370, highlighting a difference that signals potential savings for Wisconsin drivers.
In Wisconsin, the average annual cost for minimum car insurance coverage is $428, or $36 monthly, which is significantly lower than the national average of $630 annually or $52 monthly, highlighting the state's affordable insurance market due to factors like low auto theft rates and fewer uninsured drivers.
In Wisconsin, American Family offers the most affordable full coverage car insurance at approximately $564 annually, while Dairyland provides the most expensive option at $2,315 per year.
Why Trust MoneyGeek? We analyzed data and quotes from Quadrant Information Services and the Wisconsin Office of the Commissioner of Insurance to get the most precise average costs for various Wisconsin drivers.
These rates reflect the average cost of car insurance in Wisconsin as of December 2024.
44,496Quotes Analyzed
19Companies Compared
54ZIP Codes
Average Car Insurance Costs in Wisconsin
In Wisconsin, full coverage car insurance costs around $1,082 annually. Knowing these averages helps you assess if your quote is fair. Compare car insurance quotes to find the best balance of price and coverage.
The table below shows what you might pay for minimum and full coverage each month and year in Wisconsin.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,082 | $90 |
| 100/300/100 Liability Only | $556 | $46 |
| State Minimum Liability Only | $428 | $36 |
Why Are Car Insurance Rates Moderate in Wisconsin?
Wisconsin prices are relatively affordable compared to the national average cost of car insurance. For 100/300/100 full coverage with a $1,000 deductible, drivers in Wisconsin pay an average annual premium of $1,082, or $90 monthly, which is lower than the national average of $1,370 annually or $114 monthly. The average annual premium for state minimum coverage is about $428, or $36 monthly, compared to the national average of $630 annually, or $52 monthly.
The insurance costs can be attributed to factors such as Wisconsin's low incidence of auto thefts, few uninsured drivers and the competitive nature of the state's insurance market, alongside less dense traffic and generally low incidence of car theft and accidents due to low population density.
Average Car Insurance Costs in Wisconsin by Company
Car insurance rates vary widely between companies in Wisconsin. For example, American Family offers the lowest full coverage premium at around $564 annually, while Dairyland has the highest at $2,315 per year.
To find the cheapest car insurance in Wisconsin, compare quotes from different insurers. Cost differences reflect how each company assesses risk, so shopping around can help you save money.
Data filtered by:Results filtered by:
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Coverage:Full Coverage
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Age Group:30-59
| American Family | $564 | $47 |
| AAA | $570 | $48 |
| Travelers | $701 | $58 |
| GEICO | $713 | $59 |
| Acuity | $777 | $65 |
| West Bend Mutual | $844 | $70 |
| Erie | $866 | $72 |
| IMT Insurance Company | $925 | $77 |
| Auto-Owners Insurance Co | $926 | $77 |
| Chubb | $960 | $80 |
| Nationwide | $1,062 | $88 |
| State Farm | $1,209 | $101 |
| Allstate | $1,260 | $105 |
| Progressive | $1,310 | $109 |
| Western National | $1,413 | $118 |
| Farmers | $1,427 | $119 |
| Kemper | $1,639 | $137 |
| Dairyland | $2,315 | $193 |
Average Car Insurance Costs in Wisconsin by Coverage Level
The cost of car insurance in Wisconsin is also influenced by the level of coverage you select. For instance, the average monthly cost for minimum coverage is around $36, while securing 100/300/100 full coverage with a $1,000 deductible averages $90 per month. Full coverage insurance is often recommended as it provides more comprehensive financial protection against unforeseen events.
Adding comprehensive and collision coverage will raise your premiums, yet choosing higher deductibles can offset some of these additional costs. The deductible amount you select applies individually to each comprehensive and collision claim you file, enabling some control over insurance expenses.
| State Minimum Liability Only | $428 | $36 |
| 100/300/100 Liability Only | $556 | $46 |
| 300/500/300 Liability Only | $708 | $59 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $982 | $82 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $997 | $83 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,082 | $90 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,095 | $91 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,098 | $91 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,180 | $98 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,195 | $100 |
| 100/300/1000,000 - 500 comp_coll | $1,196 | $100 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,294 | $108 |
Minimum Car Insurance Requirements in Wisconsin
In Wisconsin, minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, $10,000 for property damage per accident and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident.
$25,000 for bodily injury liability per person
This is the minimum amount required to cover expenses related to injuries you may cause to one person in an accident.
$50,000 for bodily injury liability per accident
Wisconsin requires this amount for injuries to multiple people in a single accident.
$10,000 for property damage liability per accident
This coverage helps pay for damages to someone else's property that you might cause while driving.
$25,000 uninsured motorist bodily injury per person
This is the minimum coverage for injuries caused by an uninsured driver in an accident with one person injured.
$50,000 uninsured motorist bodily injury per accident
Wisconsin requires this coverage for accidents involving an uninsured driver with multiple people injured.
Average Car Insurance Costs in Wisconsin by City
Your location in Wisconsin can also impact your car insurance premiums. Full coverage in Green Bay costs around $850 per year, while in Milwaukee, it's about $1,477. Factors influencing insurance rates in Wisconsin include driving records, driver age and the car's make and model.
Average Car Insurance Costs in Wisconsin by Age
In Wisconsin, younger drivers aged 22 to 29 face the highest premiums, averaging $1,428 annually.
Costs decline with age, reflecting experience and decreased risk. Drivers aged 30 to 59 see a reduction to an average of $1,082 annually, while senior drivers enjoy the lowest rates at around $1,058 per year.
Data filtered by:Results filtered by:
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Coverage:100/300/100 Full Cov. w/$1,000 Ded.
| 22-29 | $1,428 | $119 |
| 30-59 | $1,082 | $90 |
| 60 + | $1,058 | $88 |
Average Car Insurance Costs in Wisconsin for Teens
Age and gender impact car insurance rates in Wisconsin. The average annual cost for a 16-year-old male driver added to a family policy is $2,423, the highest among all age groups.
Teenagers under 18 typically need a parent or guardian to co-sign for car insurance, making individual policies less common. However, if a 16-year-old male opts for an individual policy, the premium rises to $5,777.
Average Car Insurance Costs in Wisconsin for New Cars
The average annual cost for full coverage car insurance is $940 for a 2012 model and $1,327 for a 2022 model. The increase is due to the higher actual cash value, repair costs and theft risk of newer cars.
Experts recommend comprehensive and collision coverage for newer models to protect against a broader range of damage and losses beyond minimum coverage.
Data filtered by:Results filtered by:
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Coverage:Full Coverage
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Age Group:30-59
| 2012 Vehicle | $940 | $78 |
| 2022 Vehicle | $1,327 | $111 |
ACTUAL CASH VALUE
Your vehicle's actual cash value (ACV) determines the payout from your insurer for a comprehensive or collision claim. It reflects your vehicle's current worth, considering depreciation. Insurance covers up to the ACV, minus any deductible, if your car is totaled or stolen.
Average Car Insurance Costs in Wisconsin by Driving Record
In Wisconsin, car insurance costs vary with your driving record:
- With a ticket: $1,419 per year; $118 per month
- With an at-fault accident: $1,626 per year; $135 per month
- With a DUI: $1,670 per year; $139 per month
Violations will raise your premiums, with more severe offenses resulting in higher costs. For example, a DUI affects rates for 10 years in Wisconsin, while a speeding ticket impacts rates for a shorter time.
Check the table below for average rates based on driving records, coverage and age.
Data filtered by:Results filtered by:
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Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Select
Age Group:30-59
| Clean | $1,082 | $90 |
| Ticket | $1,419 | $118 |
| At-fault Accident | $1,626 | $135 |
| DUI | $1,670 | $139 |
Average Car Insurance Costs in Wisconsin by Credit Score
A good credit score can greatly affect your car insurance costs. Drivers with excellent credit pay about $654 annually, while those with poor credit might pay $1,565 per year.
Insurers use your credit score as a risk indicator. A good credit score is between 670 and 739, and an excellent score is 740 or higher. Lower scores, categorized as fair (580 to 669) or poor (below 580), often lead to higher premiums.
Data filtered by:Results filtered by:
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Coverage:100/300/100 w/ $1000 Deductible
Select
Age Group:30-59
| Excellent | $654 | $54 |
| Good | $800 | $67 |
| Fair | $992 | $83 |
| Below Fair | $1,219 | $102 |
| Poor | $1,565 | $130 |
Factors Affecting Car Insurance Rates in Wisconsin
Understand how these key elements affect your car insurance premiums in Wisconsin to help reduce your rates:
- Driving Record: A clean driving record can result in lower car insurance rates, while tickets and accidents typically lead to higher premiums.
- Credit Score: Insurers often use credit scores as a risk indicator; a higher score may lower car insurance costs.
- Age and Gender: Younger drivers and males usually face higher rates due to perceived increased accident risk.
- Vehicle Type: Your car's make, model and age can affect insurance rates. Newer, more expensive vehicles might be costlier to insure.
- Location: Your ZIP code matters, as areas with higher crime or accident rates might have higher car insurance prices.
- Mileage: The more you drive, the higher the risk of an accident, which could lead to increased insurance rates.
- Collision Insurance: Adding collision coverage to your policy can protect you against vehicle damage costs but may raise your premium.
- Comprehensive Insurance: Opting for comprehensive coverage provides broader protection, including theft and natural disasters, which might increase your rate.
- Coverage Level: Opting for more than the minimum coverage can provide better protection but will also increase your insurance costs.
How to Save Money on Car Insurance in Wisconsin
Compare quotes, raise your deductible and use discounts to lower your premiums for minimum coverage and comprehensive policies in Wisconsin.
Compare Quotes
Gather quotes from multiple insurers to find the most affordable rates. Comparing can lead to the cheapest car insurance in Wisconsin.
Maintain a Clean Driving Record
Avoid traffic violations and accidents to benefit from lower premiums, as insurers favor safe and responsible drivers.
Bundle Policies
Combine auto insurance with other policies, such as home or renters insurance, to receive discounts and reduce overall costs.
Increase Deductibles
Opt for higher deductibles to decrease monthly premiums, but ensure you can afford the deductible if you need to make a claim.
Seek Out Discounts
Inquire about discounts for good drivers, students, military personnel or those affiliated with certain organizations to lower insurance rates.
Consider Vehicle Factors
Choose a car that is less expensive to insure. Safety features, low repair costs and a low risk of theft can lead to savings.
Review Coverage Annually
Regularly assess your coverage needs and adjust your policy to avoid paying for unnecessary protection or missing potential savings.
FAQ: Car Insurance Costs in Wisconsin
Get answers about what impacts the average cost of car insurance in Wisconsin and how to find affordable rates.
What are the minimum car insurance requirements in Wisconsin?
Drivers in Wisconsin must have a minimum of $25,000 in bodily injury liability per person, $50,000 per accident, and $10,000 for property damage liability per accident. Additionally, uninsured motorist coverage of $25,000 per person and $50,000 per accident is required. For more details, visit minimum car insurance requirements.
What is the average cost of full coverage and minimum coverage auto insurance in Wisconsin?
The average annual cost for full coverage auto insurance in Wisconsin is $1,082, which breaks down to about $90 per month. For minimum coverage, the yearly cost is approximately $428 or $36 monthly.
What is the average cost of car insurance for a 22-year-old in Wisconsin?
On average, a 22-year-old in Wisconsin spends around $1,428 annually, or $119 monthly, for full coverage. If opting for minimum coverage, the cost is about $556 per year, equating to $46 per month.
What are the cheapest car insurance companies in Wisconsin?
For those looking for minimum coverage, AAA and Acuity offer the most affordable rates in Wisconsin, with average yearly costs of $248 and $269, respectively.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.