Car insurance costs in Wisconsin vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Travelers offers the cheapest annual rates for full coverage car insurance in Wisconsin at $1,089 annually.
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 auto insurance in Wisconsin works and how much insurance you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Wisconsin, at $1,089 per year.
- In Wisconsin, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- 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.
- 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%.
How much is car insurance in Wisconsin?
In Wisconsin, drivers pay an average of $139 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Wisconsin by coverage level
Car insurance costs in Wisconsin can differ based on the coverage limit. To legally drive, Wisconsin residents must adhere to the minimum liability limits of 25/50/10.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum car insurance cost in Wisconsin is $365 a year. However, this basic coverage only offers limited protection. Wisconsin drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Wisconsin must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Wisconsin
The average cost of liability-only insurance in Wisconsin is $425 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Wisconsin
The average annual premium in Wisconsin is $1,664 for a full coverage policy with 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.
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- Wisconsin car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Wisconsin?
- Cheap car insurance for seniors in Wisconsin
- Car insurance discounts in Wisconsin; 16% potential savings
- What’s the cheapest car insurance in Wisconsin?
Calculate the cost of car insurance in Wisconsin
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Wisconsin have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Wisconsin Car Insurance Rates by ZIP Code
Estimate car insurance in Wisconsin by car model
Car insurers in Wisconsin use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Wisconsin, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,619 annually.
Car insurance for drivers aged 16-19 costs $4,155 more annually than Wisconsin drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,619 per year in Wisconsin.
- For senior drivers: Drivers age 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Wisconsin, a DUI conviction often results in higher premiums and you may see an increase of up to 75% as insurers perceive you as a high-risk 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’s a breakdown of how much your car insurance rate goes up in Wisconsin following driving incidents:
- Speeding ticket: Up to 44% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 53% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Wisconsin for high-risk drivers
High-risk drivers in Wisconsin pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
Company Name | Insurance Rates |
---|---|
USAA | $1,434 |
Travelers | $1,645 |
Erie Insurance | $1,770 |
Nationwide | $2,300 |
Geico | $2,398 |
State Farm | $2,787 |
Farmers | $3,310 |
Progressive | $3,723 |
Allstate | $4,078 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Compare car insurance quotes in Wisconsin
Drivers in Wisconsin can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Compare the best car insurance options in Wisconsin by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Wisconsin and their average 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 Wisconsin’s most expensive city for car insurance at an average cost of $2,033 annually. Combined Locks is the state’s least expensive city, with an average car insurance rate of $1,303 annually.
Car insurance costs differ from city to city in Wisconsin, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Wisconsin.
Select your city below to see the insurance company and its average full coverage rates.
Company Name | Insurance Rates |
---|---|
USAA | $892 |
Travelers | $1,043 |
Geico | $1,068 |
Erie Insurance | $1,173 |
Nationwide | $1,477 |
West Bend Insurance Company | $1,494 |
Progressive | $1,837 |
Acuity Insurance | $1,901 |
State Farm | $2,145 |
Allstate | $2,565 |
Farmers | $2,568 |
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.