Updated: November 21, 2024
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Rates updated:
Nov 21, 2024
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Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In just a few clicks, MoneyGeek’s car insurance calculator can help you acquire a quick estimate of car insurance costs in Wisconsin.
MoneyGeek also analyzed how insurers calculate car insurance premiums in Wisconsin. We studied various factors and how they affect insurance costs to help you understand how your profile affects your premium.
You’ll spend approximately 10–15 minutes to get a finalized car insurance quote from an insurance company in Wisconsin, as the process requires entering a lot of personal information.
MoneyGeek’s Wisconsin car insurance calculator provides an estimate of your car insurance cost by month or year quickly. It calculates the price based on your age, driving record, vehicle type and coverage levels.
Our calculator reveals how adding a teen driver, age of driver and credit score have the biggest impact on car insurance rates in Wisconsin. However, the strongest factor for you may change depending on your profile.
In Wisconsin, the most affordable car insurance provider for you depends on several factors, but MoneyGeek’s car insurance calculator gives a close estimate. AAA offers Wisconsin’s cheapest widely available car insurance for MoneyGeek’s average driver at approximately $299 per year.
However, price doesn’t determine a policy’s overall value. You should also consider the company’s customer service reputation and available coverages before deciding to buy.
Use MoneyGeek’s car insurance calculator to get car insurance estimates or check our collection of sample driver types to find the cheapest car insurance in Wisconsin.
MoneyGeek broke down the average cost of car insurance in Wisconsin to help you understand how the state’s car insurance rates compare to others.
If you’re looking for the best car insurance companies in Wisconsin, regardless of cost, MoneyGeek ranked insurers that balance affordability and service quality.
Car insurance providers in Wisconsin use a variety of factors when determining car insurance rates. The most important factors in pricing your premium are adding a teen driver, age of driver and credit score. Notably, adding a teen driver in Wisconsin can increase your rate by as much as 3x.
In Wisconsin, adding a teen driver to your policy significantly increases your car insurance premium. Insurers consider teen drivers as risky to insure due to their inexperience. As such, your rates can increase by 3x if you add a teen driver to your policy.
A driver’s age is an important factor that insurance companies consider when pricing policies. Younger drivers tend to have less experience, so they pay more than middle-aged drivers.
In Wisconsin, a young driver (aged 19-20) pays around 2.6x more per year than a 40-year-old driver.
Insurance companies in Wisconsin do consider coverage levels and the deductible amount when calculating your rate. In general, the more protection you get, the more expensive your policy becomes.
A state minimum liability-only policy is the most affordable auto insurance in Wisconsin, while full coverage with 100/300/100 liability limits and a $500 deductible is the most expensive. On average, your coverage level can increase your price by 2.1x.
Your credit score matters when determining car insurance rates in Wisconsin — that may be because people with poor credit scores could have missed payments in the past or have a high amount of debt.
In Wisconsin, you get the cheapest car insurance if you have excellent credit. Conversely, having poor credit can increase your rates by 2.3x.
Insurance companies do review your driving record when calculating your car insurance rates. If you’ve had a DUI, a speeding ticket or an accident, insurers consider you riskier to insure and charge you more.
In Wisconsin, a clean record results in the cheapest rates, while a violation can cause your car insurance to be 2x more per year.
The amount of insurance you buy greatly affects your car insurance premium. Knowing how much car insurance you need in Wisconsin can help you balance affordability and protection.
Wisconsin requires bodily injury liability insurance, property damage liability insurance and uninsured/underinsured motorist coverage. However, you should assess if those are enough for your situation and consider buying additional liability and collision coverage for added security.
You can look up Wisconsin’s minimum car insurance requirements to know how much insurance you need to buy at the very least.
A state minimum policy in Wisconsin only covers $25,000 for bodily injury per person, up to $50,000 per accident. It doesn’t have comprehensive and collision insurance, which covers damages to your car.
If that’s not enough, you should consider increasing your liability limits and purchasing additional coverage.
To ensure financial protection in case of a major accident, you may need to increase your coverage beyond Wisconsin’s state minimum.
In Wisconsin, a policy with $300,000 bodily injury liability per accident costs roughly $534 per year. Meanwhile, a minimum liability policy costs approximately $443 per year.
You should decide whether you need to buy a full coverage policy, which includes comprehensive and collision insurance. Wisconsin does not require it, but auto lenders may make you have it for leased or financed cars.
In Wisconsin, adding comprehensive and collision coverage with a $1,000 deductible costs around $314 per year. You can consider dropping a full coverage policy if you’ll pay hundreds of dollars per year for a car that’s only worth a few thousand dollars.
Wisconsin does require uninsured and underinsured motorist coverage, which covers accidents with drivers who have no insurance or insufficient insurance. It is helpful since 13.3% of drivers in Wisconsin are uninsured.
Additionally, you can buy medical payments coverage if you need protection against the cost of medical expenses from a vehicular crash.
MoneyGeek answers some frequently asked questions about car insurance rates to help you understand how to calculate insurance premiums in Wisconsin.
You can obtain a quote from a car insurance company by providing personal and vehicle information. Alternatively, you can use MoneyGeek’s Wisconsin car insurance calculator.
In Wisconsin, adding a teen driver, age of driver and credit score are the factors that have the strongest effect on your car insurance rates.
You need to know Wisconsin’s minimum auto insurance requirements and decide whether you need higher liability limits and comprehensive and collision coverage (full coverage) to protect your car.
MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Wisconsin. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.
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.
