Car insurance premiums in Wisconsin can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Wisconsin by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Wisconsin
The Hyundai Venue and Honda CR-V are the cheapest vehicles to insure in Wisconsin, closely followed by the Honda HR-V and Chevrolet TrailBlazer, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Wisconsin and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Venue | $725 |
| Honda CR-V | $740 |
| Honda HR-V | $743 |
| Chevrolet TrailBlazer | $757 |
| Volkswagen Tiguan | $760 |
| Subaru Outback | $764 |
| Toyota Corolla Cross | $768 |
| Mazda CX-5 | $770 |
| Subaru Crosstrek | $774 |
| Chevrolet Trax | $774 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Wisconsin
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Wisconsin
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $817 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Versa, which costs $871, and the Honda Accord, which costs $882 to insure.
Below, you’ll find the most affordable sedans to insure in Wisconsin and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $817 |
| Nissan Versa | $871 |
| Honda Accord | $882 |
| Volkswagen Jetta | $885 |
| Honda Civic Sedan | $895 |
| Toyota Camry | $902 |
| Nissan Sentra | $913 |
| Volkswagen Jetta GLI | $913 |
| Toyota Corolla | $917 |
| Kia Forte | $924 |
| Mazda 3 Sedan | $924 |
| Chevrolet Malibu | $935 |
| Mitsubishi Mirage G4 | $952 |
| Hyundai Elantra | $958 |
| Nissan Altima | $964 |
| Kia K5 | $969 |
| Hyundai Sonata | $1,015 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Wisconsin
The Honda CR-V and Honda HR-V are the cheapest SUVs to insure in Wisconsin, with an average cost of $740 and $743 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $740 |
| Honda HR-V | $743 |
| Chevrolet TrailBlazer | $757 |
| Volkswagen Tiguan | $760 |
| Toyota Corolla Cross | $768 |
| Mazda CX-5 | $770 |
| Subaru Crosstrek | $774 |
| Chevrolet Trax | $774 |
| Toyota RAV4 | $777 |
| Mazda CX-30 | $780 |
| Subaru Forester | $788 |
| Hyundai Kona | $788 |
| Jeep Wrangler | $788 |
| Honda Passport | $789 |
| Ford Escape | $789 |
| Honda Pilot | $789 |
| Volkswagen Taos | $789 |
| Kia Sportage | $794 |
| Hyundai Tucson | $797 |
| Buick Encore GX | $797 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Wisconsin
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $822.
See the table below for average full coverage car insurance rates of different sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $822 |
| Honda Civic Si | $967 |
| Chevrolet Camaro | $1,005 |
| Ford Mustang | $1,122 |
| Toyota GR86 | $1,150 |
| Toyota GR Corolla | $1,151 |
| Subaru BRZ | $1,171 |
| BMW Z4 | $1,194 |
| Subaru WRX | $1,211 |
| Honda Civic Type R | $1,218 |
| Toyota GR Supra | $1,230 |
| Porsche 718 Boxster | $1,282 |
| Chevrolet Camaro ZL1 | $1,347 |
| Chevrolet Corvette | $1,381 |
| Porsche 718 Cayman | $1,532 |
| Jaguar F-Type | $1,742 |
| Chevrolet Corvette Z06 | $1,768 |
| Nissan Z | $1,849 |
| Porsche 911 | $1,981 |
| Porsche 911 Turbo | $2,090 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Wisconsin
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $846 for a full coverage six-month policy. It is followed by the Volvo XC40 ($867) and Lincoln Corsair ($911).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $846 |
| Volvo XC40 | $867 |
| Lincoln Corsair | $911 |
| Cadillac XT4 | $929 |
| Cadillac XT5 | $936 |
| Acura MDX | $941 |
| Audi Q3 | $942 |
| Lexus RX | $943 |
| Acura Integra | $964 |
| Volvo XC60 | $972 |
| BMW X3 | $987 |
| Mercedes-Benz GLA-Class | $991 |
| Lexus NX | $992 |
| BMW X2 | $1,004 |
| Cadillac XT6 | $1,011 |
| Mercedes-Benz GLB-Class | $1,021 |
| Acura TLX | $1,035 |
| Infiniti QX50 | $1,046 |
| Mercedes-Benz GLC-Class | $1,064 |
| Audi A3 | $1,066 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Wisconsin
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,605 annually, which breaks down to $217 monthly.
The table below highlights the most affordable EVs to insure in Wisconsin, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $868 |
| Kia Niro EV | $893 |
| Volkswagen ID.4 | $907 |
| Hyundai Kona Electric | $915 |
| Chevrolet Silverado EV | $947 |
| Nissan Leaf | $961 |
| Toyota bZ4X | $1,022 |
| Ford F-150 Lightning | $1,076 |
| Genesis Electrified GV70 | $1,095 |
| Hyundai Ioniq 5 | $1,107 |
| Audi Q4 e-tron | $1,119 |
| Toyota Mirai | $1,159 |
| Cadillac LYRIQ | $1,169 |
| Ford Mustang Mach-E | $1,180 |
| Mercedes-Benz EQB | $1,205 |
| Kia EV6 | $1,216 |
| Chevrolet Blazer EV | $1,229 |
| Hyundai Ioniq 6 | $1,242 |
| Subaru Solterra | $1,261 |
| Audi Q8 e-tron | $1,274 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Wisconsin
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $2,980 to insure a Subaru Outback, while insuring a Honda CR-V costs $3,003 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Wisconsin?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $868 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $893 for the Kia Niro EV for the same coverage.
Which SUVs are the cheapest to insure in Wisconsin?
In Wisconsin, insuring a Honda CR-V SUV costs about $740 for six months, making it one of the most affordable options. The Honda HR-V and Chevrolet TrailBlazer also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Wisconsin?
The Subaru Outback, Honda CR-V, Hyundai Venue and Subaru Crosstrek are some of the cheapest cars to insure for 18-year-olds in Wisconsin. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Nissan GT-R can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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