Car insurance in bustling Milwaukee is twice the cost of coverage in the cheapest parts of the state. Even so, the difference in rates as you compare insurance companies can be substantial no matter where you live. You can compare your ZIP code to others with the map below.
Wisconsin state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Uninsured motorist bodily injury
Underinsured motorist bodily injury
Wisconsin Car Insurance Rates by ZIP Code & City
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
What you need to know about car insurance in Wisconsin
Penny Gusner CarInsurance.com Consumer Analyst
Wisconsin Car Insurance Laws
Wisconsin actually reduced its liability insurance requirements recently -- cutting the $100,000 per person bodily injury limit to $25,000 and the property damage limit from $15,000 to $10,000 -- and also made formerly mandatory underinsured motorist coverage optional.
These changes may make a very basic policy cheaper but do not provide adequate coverage for anyone with a home, family or substantial savings. If you were to hit a newer car and inflict even minor injuries on its driver, those limits would be quickly exhausted and your finances exposed.
Don't bag a deer with your car: A Wisconsin driver's odds of hitting a deer are among the highest in the country at 1 in 78, according to State Farm data. You are not covered for damage unless you have comprehensive coverage.
A long memory: Most convictions remain on your Wisconsin motor vehicle record for five years, but some serious offenses, such as Operating While Intoxicating (OWI) are there for 55 years.
Double your points: Drivers who hold probationary Wisconsin licenses are assessed double the demerit points after the first offense.
Age restrictions: Restrictions for owning and insuring a car are the same in Wisconsin. A minor can do both, but only with the consent of a parent or guardian.
Uninsured motorist penalties for Wisconsin: You may be fined up to $500 and your license and registration may be suspended.
Proof of insurance via smartphone: Wisconsin law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.
Largest car insurance companies in Wisconsin by market share
Company / Group
Direct Premiums Written ($)
Market Share (%)
Amer Family Insurance Group
Progressive Insurance Group
State Farm Group
Berkshire Hathaway Insurance
Allstate Insurance Group
Acuity A Mutual Insurance Company
Farmers Insurance Group
West Bend Mutual Insurance Company
Liberty Mutual Insurance Companies
Auto Club Group
Source: A.M. Best market share rankings are based on direct premiums written in 2013.