The cost of car insurance in Wisconsin varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,089 a year for full coverage.
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 get a clear idea of how car insurance in Wisconsin works and how much coverage you need.
- 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%.
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
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 insurance is the least expensive coverage and meets the minimum legal requirements in Wisconsin, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Wisconsin car insurance costs for three different coverage levels.
| 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
In Wisconsin, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $10,000 of 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 insurance coverage requirements to stay 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 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Wisconsin
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living 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.
As a result, people living in higher-risk neighborhoods of Wisconsin have to pay more than those living where the risks are lower.
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 ( Liability - Minimum)
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 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.
See how much you’ll pay for car insurance for your specific 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Wisconsin drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,619 annually.
Wisconsin drivers aged 16-19 pay $4,155 more for insurance premiums than 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.
If you receive a speeding ticket in Wisconsin, be prepared for your car insurance rates to rise by up to 44% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider 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
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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
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.
Begin your search for the top car insurance policy in Wisconsin by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Wisconsin, along with 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 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?
In Wisconsin, a full coverage car insurance policy with 100/300/100 limits typically costs about $139 per month.
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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
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 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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