Estimating the cost of car insurance in Wisconsin depends on factors such as age, driving record, ZIP code, and the vehicle you drive.
CarInsurance.com’s auto insurance rate calculator uses your basic details to estimate car insurance costs in Wisconsin for three different coverage levels: Full coverage, liability only (limits of 50/100/50) and state minimum coverage. Use the calculator below to find your average insurance rates.
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- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Wisconsin.
- The average annual cost of a full coverage policy in Wisconsin with liability limits of 100/300/100 is $1,664 or $139 per month.
- Minimum liability coverage in Wisconsin costs around $365 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Wisconsin: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in Wisconsin?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Wisconsin by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,205 |
| Electric | $2,322 |
| Hatchback | $1,545 |
| Hybrid | $1,800 |
| Luxury Car | $2,454 |
| Luxury SUV | $2,082 |
| Minivan | $1,542 |
| Performance SUV | $2,562 |
| Sedan | $1,650 |
| Sports Car | $2,589 |
| Station Wagon | $1,940 |
| SUV | $1,523 |
| Truck | $1,729 |
| Van | $1,383 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in Wisconsin by make and model.
Insurance rates by car model
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Wisconsin car insurance estimates for used cars
In Wisconsin, the cost to insure a used car is typically lower than for a new vehicle because its depreciation decreases the replacement cost. Insurance premiums will vary depending on the vehicle’s age, make, model and driving history, so it’s a good idea to get quotes from multiple companies to find the most affordable option.
Estimate your car insurance rates for used vehicles in Wisconsin using the calculator below based on your car’s make and model.
Average insurance rates for your used car
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FAQ: How to estimate car insurance rates before buying a car in Wisconsin
How much auto insurance do I need in Wisconsin?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $10,000 per accident |
How much does car insurance cost in Wisconsin per month?
In Wisconsin, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $139 a month. On the other hand, state minimum coverage costs $30 and liability policy with limits 50/100/50 is $35 monthly.
Does your age impact how much you pay for insurance in Wisconsin?
Young drivers in Wisconsin typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
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Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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