- The average cost of car insurance in Wisconsin is $2,343 a year or $195 per month, based on our data analysis.
- Minimum liability coverage in Wisconsin costs around $743 annually for limits of 25/50/10, while liability-only coverage costs $888 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Wisconsin, costing $1,607 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 89%, and an at-fault accident by up to 50%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that GEICO offers the most affordable car insurance at $1,607 per year.
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 car insurance works in Wisconsin and how much you need.
How much is car insurance in Wisconsin?
In Wisconsin, drivers pay an average of $195 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.
See how rates change in Wisconsin based on driver profile:
- Teen drivers in Wisconsin pay the most – about $716 a month or $8,595 a year.
- Young drivers in their 20s pay an average of $314 monthly or $3,768 annually, for car insurance.
- Senior drivers pay around $198 monthly or $2,381 a year.
- A speeding ticket can increase your rates to $281 monthly or $3,373 annually.
- An at-fault accident increases car insurance rates to $294 a month or $3,523 a year.
- Poor credit drivers usually see their car insurance costs increase to $371 monthly or $4,450 annually.
Average cost of auto insurance in Wisconsin by coverage level
In Wisconsin, the cost of car insurance can vary depending on how much coverage you purchase. Wisconsin drivers need at least the minimum insurance coverage limits of 25/50/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Wisconsin. However, they don’t offer much 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 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $62 | $743 |
| Liability Only – 50/100/50 BI/PD | $74 | $888 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $195 | $2,343 |
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 coverage in Wisconsin costs $743 a year but doesn’t provide much protection for drivers. Wisconsin drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Wisconsin must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Wisconsin
According to CarInsurance.com data, liability-only car insurance costs $888 in Wisconsin for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Wisconsin
On average, premiums for full coverage car insurance in Wisconsin cost $2,343 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.
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.
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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Wisconsin pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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 ( Full - 100/300/100)
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Estimate car insurance in Wisconsin by car model
Wisconsin car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper 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.
Find out how much car insurance costs for your car 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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
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 $2,268 annually.
Car insurance for drivers aged 16-19 costs $6,327 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 $8,595 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,600 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,268 per year in Wisconsin.
- For senior drivers: Drivers age 65 and older can expect to pay $2,381 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Wisconsin
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Wisconsin, a DUI conviction lead to increased rates and you may see a rate hike of up to 89% as insurers categorize 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.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 44% increase
- DUI conviction: 89% increase
- At-fault accident (bodily injury and property damage): 50% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
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.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to 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.
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
In Wisconsin, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
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 |
|---|---|---|---|
| GEICO | $324 | $431 | $1,607 |
| Nationwide | $902 | $958 | $1,824 |
| Erie Insurance | $448 | $512 | $1,926 |
| Rural Mutual Insurance | $448 | $548 | $1,983 |
| Auto-Owners | $617 | $693 | $2,379 |
| West Bend Insurance Company | $832 | $891 | $2,637 |
| Farmers | $1,113 | $1,561 | $2,834 |
| Allstate | $1,330 | $1,459 | $2,916 |
| Acuity Insurance | $681 | $948 | $2,994 |
Car insurance rates by city in Wisconsin
Milwaukee is Wisconsin’s most expensive city for car insurance at an average cost of $2,921 annually. Appleton is the state’s least expensive city, with an average car insurance rate of $1,839 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.
Find below the average annual car insurance cost for drivers in some of Wisconsin’s major 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?
Car insurance in Wisconsin costs an average of $195 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $62 |
| Liability Only – 50/100/50 BI/PD | $74 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $195 |
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.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Wisconsin.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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