In Wisconsin, the average annual cost for full coverage car insurance is $1,078, while state minimum coverage averages at $427. These rates are $218 and $168 less than the national averages, respectively.
Average Cost of Car Insurance in Wisconsin
Updated: December 26, 2024
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Key Takeaways
Drivers in Wisconsin pay about 17% less for full coverage car insurance compared to the national average.
For minimum coverage, Wisconsin drivers pay about 28% less than the national average.
The average cost of car insurance in the Badger State is $1,078 for full coverage and $427 for minimum coverage, making it one of the more affordable states.
How Much Is Car Insurance in Wisconsin?
| Full Coverage | $1,078 | $1,296 | -17% |
| State Minimum Liability Only | $427 | $595 | -28% |
Read More: Average Cost of Car Insurance
Wisconsin Car Insurance Rates by Coverage Level
Your choice of state minimum or full coverage impacts your car insurance rates in the Badger State. Raising your liability limits and adding full coverage increases your rate, but opting for higher deductibles can help lower your premium. Below are the average minimum coverage and full coverage rates in Wisconsin for policies with varying deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,288 | $500 |
| 100/300/100 | Full Coverage | $1,191 | $0 |
| 300/500/300 | Full Coverage | $1,190 | $1,500 |
| 300/500/300 | Full Coverage | $1,175 | $1,000 |
| 100/300/100 | Full Coverage | $1,093 | $1,500 |
| State Minimum | Full Coverage | $1,090 | $500 |
| 100/300/100 | Full Coverage | $1,078 | $1,000 |
| State Minimum | Full Coverage | $993 | $1,500 |
| State Minimum | Full Coverage | $977 | $1,000 |
| 300/500/300 | Liability Only | $705 | $0 |
| 100/300/100 | Liability Only | $554 | $0 |
| State Minimum | Liability Only | $427 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Wisconsin Car Insurance Cost by City
Car insurance rates in Wisconsin can change due to crime, traffic and weather. In Green Bay, you'll find an annual full coverage rate of $850, while Madison and Milwaukee are at $970 and $1,477, respectively. Below, we compare car insurance rates for Wisconsin cities to the state average.
| Green Bay | $850 | -55% | $381 | -65% |
| Madison | $970 | -49% | $429 | -61% |
| Milwaukee | $1,477 | -23% | $681 | -38% |
Average Wisconsin Car Insurance Cost by Age
In Wisconsin, your age can drive up your car insurance costs. Drivers at 25 pay roughly 32% more for state minimum coverage and 32% more for full coverage than those aged 40. Compared to 65-year-olds, they face a 25% hike for minimum coverage and a 35% increase for full coverage.
| 25 | $1,423 | $555 |
| 40 | $1,078 | $427 |
| 65 | $1,053 | $446 |
In most places, age can change how much you pay for car insurance. But in California, Massachusetts and Hawaii, your age won't affect the cost of your minimum coverage.
Car Insurance Costs in Wisconsin for Young Drivers by Gender
Wisconsin young drivers face higher car insurance costs due to increased accident risks. Those aged 18 to 25 pay an average of $1,252 annually when added to a family policy, which is 34% less than an individual policy at $1,673.
Gender also influences car insurance rates for young Wisconsin residents. On average, females aged 18 to 25 pay $1,573 per year, which is less than the $1,773 males pay. Below, find the average car insurance costs for young drivers in Wisconsin, broken down by gender.
Car Insurance Costs in Wisconsin for Young Females
For an 18-year-old female driver in Wisconsin, the average annual cost for full coverage is $1,311 when added to a family policy. For an individual policy, the rate rises to $3,000.
| 18 | $3,000 | $1,311 | -56% |
| 19 | $1,967 | $1,511 | -23% |
| 20 | $1,722 | $1,322 | -23% |
| 21 | $1,366 | $1,063 | -22% |
| 22 | $1,259 | $1,202 | -5% |
| 23 | $1,177 | $1,123 | -5% |
| 24 | $1,121 | $1,069 | -5% |
| 25 | $974 | $931 | -4% |
Car Insurance Costs in Wisconsin for Young Males
With average rates of $3,429 per year for an individual full coverage policy, 18-year-old males pay the highest premiums. Adding them to a family policy costs $1,506, saving 56% annually.
| 18 | $3,429 | $1,506 | -56% |
| 19 | $2,284 | $1,709 | -25% |
| 20 | $1,972 | $1,475 | -25% |
| 21 | $1,563 | $1,184 | -24% |
| 22 | $1,418 | $1,327 | -6% |
| 23 | $1,288 | $1,204 | -6% |
| 24 | $1,204 | $1,126 | -6% |
| 25 | $1,026 | $962 | -6% |
Average Wisconsin Car Insurance Cost by Driving Record
In Wisconsin, car insurance costs can jump from 15% to 49% if you have a driving offense. We show how rates for at-fault accidents, speeding tickets and DUIs stack up against a spotless driving record.
| At-Fault Accident | $1,619 | -15% | $652 | -41% |
| DUI | $1,664 | -13% | $690 | -37% |
| Ticket | $1,413 | -26% | $562 | -49% |
Read More: High-Risk Car Insurance in Wisconsin
Average Wisconsin Car Insurance Cost by Credit Score
Your credit-based insurance score greatly affects your car insurance rates in Wisconsin. Annual premiums for full coverage can be as low as $842 for drivers with excellent credit, but soar to $2,052 for those with poor credit.
| Excellent | $842 | -56% | $273 | -75% |
| Good | $1,038 | -46% | $325 | -70% |
| Fair | $1,285 | -33% | $404 | -63% |
| Below Fair | $1,582 | -17% | $498 | -55% |
| Poor | $2,052 | 8% | $612 | -44% |
CREDIT SCORES AND YOUR PREMIUM
A credit score of 670 to 739 indicates financial stability and may result in lower insurance premiums for Wisconsin drivers. In states like Hawaii, Massachusetts, Maryland, California and Michigan, insurers are prohibited from using credit scores to determine rates. Meanwhile, North Carolina, Oregon, Washington, Utah and Nevada allow credit scores to be considered only in specific situations.
Average Wisconsin Car Insurance Cost by Company
Car insurance costs can vary a lot from one company to another, even in the same state. For those in Wisconsin, American Family provides the most affordable average annual full coverage at $564. On the other end, Dairyland's average premium is $2,329, which is 32% above the state's average.
| American Family | $564 | $317 |
| AAA | $565 | $243 |
| Travelers | $701 | $355 |
| GEICO | $712 | $268 |
| Acuity | $777 | $269 |
| West Bend Mutual | $844 | $366 |
| Erie | $866 | $316 |
| IMT Insurance Company | $925 | $429 |
| Auto-Owners Insurance Co | $941 | $373 |
| Chubb | $960 | $422 |
| Nationwide | $1,062 | $539 |
| State Farm | $1,206 | $429 |
| Allstate | $1,233 | $753 |
| Progressive | $1,304 | $333 |
| Farmers | $1,358 | $525 |
| Western National | $1,413 | $284 |
| Kemper | $1,639 | $657 |
| Dairyland | $2,329 | $815 |
Average Wisconsin Car Insurance Cost by Vehicle Age
In Wisconsin, newer cars often cost more to insure because they're worth more and cost more to fix or replace if stolen. Full coverage averages $1,327 a year for new models, while a 10-year-old car averages $940.
| 10-Year-Old Vehicle | $940 | $413 |
| New Model Vehicle | $1,327 | $406 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your vehicle represents its worth as assessed by your insurer right before any damage. During a comprehensive or collision claim, this value is used to determine your vehicle's repair or replacement payout, less any deductible. This ensures the claim matches the car's fair market value.
Read More: Used Car Insurance
Wisconsin Car Insurance Rates Explained
In Wisconsin, car insurance rates are compared to the national average to show if they're more affordable or costlier. We'll also break down the factors impacting the price of full coverage and state minimum policies. A driver's credit-based insurance score can significantly influence these costs.
Is Car Insurance Expensive in Wisconsin?
Car insurance in Wisconsin is affordable, with an average full coverage cost of $90 per month. It's 17% cheaper than the national average for a full coverage policy.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Wisconsin vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Wisconsin Average Cost
Full Coverage Car Insurance
$90WI Car Insurance Is Expensive:$18 saved
This is 17% less expensive.
Why Are Car Insurance Rates Expensive in Wisconsin?
Wisconsin's car insurance prices may seem steep due to factors like urbanization and harsh weather, which lead to more claims. These conditions, along with strict legal standards for minimum coverage, contribute to the overall cost for residents.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Wisconsin
While average rates reflect how laws and the economy affect car insurance in Wisconsin, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
A clean driving record can lower insurance premiums. Avoiding traffic violations and accidents shows insurers that you're a low-risk driver.
Age and Gender
Younger drivers and males often face higher rates. If you fall into these categories, look for discounts or consider a policy that rewards safe driving.
Credit History
Insurers often use credit scores to assess risk. A higher credit score can lead to better rates. Pay bills on time and reduce debt to improve your score.
Vehicle Type
For better insurance rates, opt for a vehicle with a strong safety record and lower repair costs.
Location
Living in areas with lower crime and accident rates can positively impact insurance costs. If you move to such an area in Wisconsin, inform your insurer.
Coverage Level
A higher deductible can lower your premium, but ensure you can afford it in case of a claim. Tailor your coverage to your needs and risk tolerance.
Marital Status
Married policyholders often receive lower rates due to perceived stability. Notify your insurer of a change in marital status to potentially lower your premiums.
State Law
Wisconsin has specific insurance requirements. Ensure you have the state-mandated minimum coverage but also consider additional protection if it fits your budget and needs.
Read More: Wisconsin Car Insurance Calculator
Minimum Car Insurance in Wisconsin
Wisconsin's average for state minimum car insurance is $427, below the national average of $595. Below is a table of the minimum requirements for Wisconsin drivers.
Wisconsin Car Insurance Requirements
In Wisconsin, you need minimum coverage auto insurance. It includes $25,000 for bodily injury per person, $50,000 per accident and $10,000 for property damage. You also need uninsured motorist coverage of $25,000 per person and $50,000 per accident.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Medical expenses if you cause an accident |
$50,000 for bodily injury liability per accident | Multiple injuries in a single incident |
$10,000 for property damage liability per accident | Cost of repairs to other vehicles or property |
$25,000 uninsured motorist bodily injury per person | Injuries if you're hit by a driver without insurance |
$50,000 uninsured motorist bodily injury per accident | Injuries to all parties if you're hit by an uninsured driver |
How to Lower Car Insurance Costs in Wisconsin
- 1
Compare Multiple Quotes
Reviewing quotes from different insurers helps you find affordable car insurance, potentially saving you hundreds of dollars each year.
- 2
Lower Your Risk Profile
Clean driving records with no at-fault accidents or moving violations can significantly reduce premiums, as insurers consider you a lower risk.
- 3
Adjust Your Coverage
Assessing your coverage needs ensures you pay only for necessary protection, such as choosing higher deductibles or usage-based policies for reduced mileage.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, defensive driving courses and policy bundling to lower your premiums.
- 5
Consider the Car You Drive
Choosing a vehicle with high safety ratings and lower repair costs can reduce car insurance rates.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Wisconsin: Bottom Line
Wisconsin drivers pay about $1,078 yearly for full coverage car insurance, cheaper than the $1,296 national average. Rates depend on your car, where you live, driving history and other factors. Overall, the state offers more affordable insurance options compared to many others.
Wisconsin Car Insurance Rates: FAQ
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?
In Wisconsin, minimum car insurance requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $10,000 for property damage liability. Furthermore, drivers must carry uninsured motorist coverage with a minimum of $25,000 per person and $50,000 per accident.
What is the average cost of full coverage and minimum coverage auto insurance in Wisconsin?
In Wisconsin, the average annual cost for full coverage auto insurance is $1,078 while the state minimum coverage averages at $427. These rates are notably lower than the national averages.
What is the average cost of car insurance for a 25-year-old in Wisconsin?
The average cost of minimum coverage car insurance for a 25-year-old in Wisconsin is $555, while full coverage averages $1,423. These rates are slightly lower than the state averages.
What are the cheapest car insurance companies in Wisconsin?
American Family offers the most affordable car insurance in Wisconsin, with full coverage at an annual premium of $564 and state minimum coverage at $317. Choosing the cheapest option can be attractive, but it's crucial to ensure adequate coverage to protect against significant financial loss.
Wisconsin Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Wisconsin:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Wisconsin:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $10,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
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.