- The average cost of car insurance in Wisconsin is $1,664 a year or $139 per month, based on our data analysis.
- Minimum liability coverage in Wisconsin costs around $365 annually for limits of 25/50/10, while liability-only coverage costs $425 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Wisconsin, costing $1,089 per year.
- In Wisconsin, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 44%, a DUI raising rates by 75%, and an at-fault accident by up to 53%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $1,089 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Wisconsin. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Wisconsin and how much you need.
How much is car insurance in Wisconsin?
CarInsurance.com data found that drivers in Wisconsin pay $139 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Wisconsin based on driver profile:
- Teen drivers in Wisconsin pay the most — about $481 a month or $5,774 a year.
- Young drivers in their 20s pay an average of $223 monthly or $2,672 annually, for car insurance.
- Senior drivers pay around $134 monthly or $1,613 a year.
- A speeding ticket can increase your rates to $192 monthly or $2,307 annually.
- An at-fault accident increases car insurance rates to $211 a month or $2,534 a year.
- Poor credit drivers usually see their car insurance costs increase to $268 monthly or $3,220 annually.
Average cost of auto insurance in Wisconsin by coverage level
In Wisconsin, the cost of car insurance can vary depending on how much coverage you purchase. Wisconsin drivers need at least the minimum insurance coverage limits of 25/50/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Wisconsin. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Wisconsin for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $30 | $365 |
| Liability Only – 50/100/50 BI/PD | $35 | $425 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $139 | $1,664 |
State minimum car insurance in Wisconsin
Wisconsin laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for property damage liability.
In Wisconsin, you can get state minimum car insurance for $365 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Wisconsin must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Wisconsin
Liability-only car insurance costs $425 in Wisconsin for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Wisconsin
On average, premiums for full coverage car insurance in Wisconsin cost $1,664 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Wisconsin
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Wisconsin have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Wisconsin
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Wisconsin by car model
Wisconsin car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Wisconsin.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Wisconsin
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Wisconsin drivers aged 30 to 60 have the lowest average auto insurance rates at $1,619 annually.
Drivers aged 16-19 pay $4,155 more for car insurance than Wisconsin drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,774 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,553 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,619 annually in Wisconsin.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,613 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Wisconsin
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Wisconsin can increase your premiums by up to 75% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Wisconsin, you’ll likely see an increase in your car insurance premium by up to 44% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Wisconsin after driving incidents:
- Speeding ticket: Up to 44% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 53% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Wisconsin for high-risk drivers
In Wisconsin, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Wisconsin
In Wisconsin, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Wisconsin by getting quotes from different insurance companies.
Below are the details of Wisconsin car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $319 | $372 | $1,089 |
| GEICO | $215 | $250 | $1,195 |
| Nationwide | $337 | $346 | $1,287 |
| Erie Insurance | $207 | $241 | $1,313 |
| West Bend Mutual | $296 | $320 | $1,373 |
| Acuity Insurance | $314 | $352 | $1,933 |
| Progressive | $371 | $433 | $2,128 |
| Farmers | $566 | $782 | $2,139 |
| State Farm | $438 | $519 | $2,378 |
| Allstate | $747 | $816 | $2,515 |
| USAA | $215 | $249 | $984 |
Car insurance rates by city in Wisconsin
Webster is the priciest city in Wisconsin for car insurance, costing an average of $2,033 annually. On the other hand, Combined Locks is the most affordable city, where drivers pay an average of $1,303 per year for car insurance.
Car insurance premiums differ across cities in Wisconsin and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Wisconsin’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Wisconsin per month?
The average cost of a full-coverage car insurance policy in Wisconsin costs $139 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $35 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $139 |
Final thoughts on choosing car insurance in Wisconsin
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Wisconsin.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Wisconsin. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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