Average Cost of Car Insurance in Wisconsin for 2026

Your age, location within Wisconsin, and driving record represent fixed factors that insurers use to calculate your premium. Coverage level choices, deductible amounts and which insurance company you select remain under your direct control. 

In this article:

• State Rates vs. National Average
• Is Wisconsin Car Insurance Expensive?
• Cheapest Companies in Wisconsin
• Cost by City
• Cost by Age and Gender
• Cost by Driving Record
• Cost by Credit Score
• Cost by Coverage Level
• Cost by Vehicle

Wisconsin drivers pay $87 per month for full coverage car insurance and $36 per month for minimum coverage. Both coverage options in Wisconsin cost less than the national average.

Wisconsin drivers save $455 per year compared to the national average for full coverage and $296 less for minimum coverage. Eight states offer more affordable full coverage than Wisconsin, ranking it ninth for overall affordability.

No, car insurance is not expensive in Wisconsin, which ranks 9th out of 51 states for full coverage affordability. 42 states have higher average rates than Wisconsin.

Wisconsin's rates are affected by harsh winter weather that increases accident risks, a moderate uninsured driver rate of around 10.4%, and growing urban density. Milwaukee, the state's largest city, pushes up statewide averages due to higher traffic volumes, theft rates, and collision frequency in the metro area (see rates by city).

Vermont offers the cheapest full coverage at $75 per month, while Florida is the most expensive at $243 per month. Wisconsin ranks above Indiana and below North Dakota in terms of affordability.

GEICO is Wisconsin's most affordable car insurance option, charging $53 per month for full coverage and $20 per month for minimum coverage, which comes to 42% less than the state average. Travelers and Erie Insurance round out the top three cheapest insurers for Wisconsin drivers.

Comparing multiple insurers can uncover savings since each company uses different formulas to calculate premiums. The same driver profile might receive quotes that vary by hundreds of dollars.

Read more: Cheapest and Best Car Insurance Companies in Wisconsin

Car insurance rates vary considerably across Wisconsin's largest cities depending on where you call home. Milwaukee and Racine drivers have the highest costs at $126 and $96 per month for full coverage. Appleton and Oshkosh offer the most affordable rates among the state's 10 largest metros at $73 and $74 per month.

Appleton's lower population density and reduced traffic congestion help keep full coverage rates affordable in this smaller Wisconsin city. Milwaukee drivers have higher premiums due to dense urban traffic, elevated theft rates and the increased accident frequency that comes with the state's largest metropolitan area. The gap between the most and least expensive of Wisconsin's 10 most populous cities reaches $53 per month, or $636 per year.

Young drivers in Wisconsin can save over $3,000 per year by staying on family policies instead of getting individual coverage, with 16-year-old males saving $3,563 annually. Age and gender affect car insurance rates in Wisconsin, where adding a 16-year-old male to a family policy costs $4,868 per year compared to $4,580 for females. Both amounts represent roughly three to four times adult rates in Wisconsin. Premiums drop steadily through the early 20s and level off around age 25.

The table displays average annual premiums when a young driver joins a household policy shared with two 50-year-old parents. Toggle between male and female rates using the dropdown menu to compare costs by gender. A 16-year-old male purchasing individual coverage pays $8,431 per year, which is $3,563 more than the $4,868 family policy rate for the same driver.

A DUI adds $74 per month to full coverage premiums in Wisconsin, representing an 80% increase over a clean driving record. Even a speeding ticket pushes rates up by 28%, making any violation costly for Wisconsin drivers. Your driving history directly determines whether you'll pay $92 per month with a clean record or have much higher premiums after violations.

Insurers in Wisconsin evaluate your driving violations as indicators of future claim risk. Drivers with tickets or accidents on their record have higher car insurance rates because companies price policies based on that increased risk.

Drivers with bad credit pay $234 per month for full coverage in Wisconsin, nearly three times the $85 that drivers with good credit pay. The state allows insurers to use credit-based insurance scores when setting premiums, creating substantial rate differences for Wisconsin residents.

Low-income Wisconsin drivers with poor credit scores can reduce their car insurance premiums by working to improve their credit. Wisconsin allows insurers to use credit-based scoring when setting rates, so a better credit score can lead directly to lower premiums in Wisconsin.

Wisconsin drivers pay $61 more per month when upgrading from basic minimum liability coverage to a high-limit full coverage policy, with costs ranging from $39 to $111 per month. The cheapest option covers state-required liability limits, while the most expensive tier includes 300/500/300 liability limits plus comprehensive and collision coverage.

A Tesla Model Y costs $189 per month to insure in Wisconsin, compared to $113 for a Ford F-150. That 67% difference shows how much your vehicle choice affects your premium. Both models rank among the best-selling vehicles nationally by sales volume. Your rate will depend on your vehicle and its safety features, repair costs and theft rates.

A Tesla Model Y costs $189 per month for full coverage in Wisconsin, compared to $113 for a Ford F-150, creating a $76 monthly difference. Electric vehicles cost more to insure because specialized battery repairs, limited parts availability and higher claim severity drive up costs for insurers. Drivers who prioritize affordable coverage can save roughly $69 per month by choosing a Honda Civic or Toyota Camry over a Model Y.

Below are the questions drivers ask most when trying to understand what affects their premiums.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.