How much is car insurance in Wisconsin?

The average cost of car insurance in Wisconsin is $1,664 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.

For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.

Wisconsin drivers who only want to carry the minimum car insurance can expect to pay an average of $365. However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.

"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.

Average annual premium$1,664
Average monthly premium$139
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Wisconsin car insurance rates by company

Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Wisconsin car insurance rates vary significantly from company to company.

The table below compares average Wisconsin car insurance rates from top-rated companies for different coverage levels. On average, Erie Insurance is the cheapest car insurance company in Wisconsin.

CompanyState minimumLiability-onlyFull coverage
Erie Insurance$207$241$1,313
Geico$215$250$1,195
West Bend Insurance Company$296$320$1,373
Acuity Insurance$314$352$1,933
Travelers$319$372$1,089
Nationwide$337$346$1,287
Progressive$371$433$2,128
State Farm$438$519$2,378
Farmers$566$782$2,139
Allstate$747$816$2,515
USAA$215$249$984
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Wisconsin car insurance costs by coverage level

Generally, Wisconsin minimum car insurance is the cheapest option. However, it won’t protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.

Compare Wisconsin car insurance costs based on coverage level below.

State minimum car insurance$365
Liability-only car insurance$425
Full coverage car insurance$1,664
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Wisconsin car insurance by driver profile

Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.

In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.

This table compares average car insurance rates in Wisconsin based on driver profiles. The highest rates in Wisconsin are for drivers with Bad credit.

Profile groupsAverage annual premiumAnnual premium for profile$ Increase% Increase
At-fault accident$1,664$2,535$87152%
Bad credit$1,664$3,221$1,55794%
Careless driving$1,664$2,513$84951%
Claims$1,664$1,929$26516%
DUI$1,664$2,899$1,23574%
Reckless driving$1,664$2,908$1,24475%
Speeding$1,664$2,290$62638%
Texting ticket$1,664$2,068$40424%
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Wisconsin car insurance rates by age group

Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Wisconsin car insurance rates. Rates decrease considerably with age and experience behind the wheel.

The table below shows average Wisconsin car insurance rates by age.

Age groupFull coverage car insurance
Teens (16-19)$5,774
Young Adults (20-24)$2,672
Adults (25-60)$1,661
Seniors (65-75)$1,613
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How much does car insurance cost in Wisconsin per month?

The average monthly cost of Wisconsin car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.

Coverage levelAverage monthly premium
State Minimum BI/PD$30
Liability Only - 50/100/50 BI/PD$35
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll$139
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Wisconsin car insurance discounts

Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Wisconsin.

Check out the available car insurance discounts in Wisconsin below and see how much you can save on average.

Discount type Premium before discount Premium after discount $ Saving 
Air Bags$1,895$1,889$6
Anti-Theft Device$1,895$1,866$29
Daily Commute$1,895$1,813$82
Days Advanced Purchase$1,895$1,744$151
Days Per Week Driven$1,895$1,845$50
Education$1,895$1,744$151
Electronic Funds Transfer$1,895$1,807$88
Homeowner$1,895$1,731$164
Lower Annual Mileage$1,895$1,794$101
Loyalty - Years Renewal With Company$1,895$1,748$147
Marital Status$1,895$1,733$162
Multi Policy$1,895$1,687$208
Paperless/Electornic Documents$1,895$1,799$96
Payment Type$1,895$1,742$153
Primary Use$1,895$1,761$134
Profession$1,895$1,715$180
Safety Devices$1,895$1,847$48
Telematics$1,895$1,654$241
Years Insured$1,895$1,321$574
Years Licensed$1,895$1,411$484
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Car insurance requirements in Wisconsin

Wisconsin requires a minimum amount of car insurance, including:

  • 25/50/10 in liability coverage to pay for bodily injuries and property damages you cause in an accident.

Remember, the minimum coverage required by Wisconsin law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.

State minimum requirements25/50/10
State minimum car insurance$365
Liability-only car insurance$425
Full coverage car insurance$1,664
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Car insurance rates in Wisconsin by model year

The vehicle you drive also affects Wisconsin car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.

See how the model and age of the vehicle affect Wisconsin car insurance rates below.

L O A D I N G
CompanyStyleAverage annual premium
State Farm2WD 4 Door Sedan Automatic Turbo$981
Geico2WD 4 Door Sedan Automatic Turbo$993
Nationwide2WD 4 Door Sedan Automatic Turbo$1,292
Progressive2WD 4 Door Sedan Automatic Turbo$1,811
Farmers2WD 4 Door Sedan Automatic Turbo$1,895
Allstate2WD 4 Door Sedan Automatic Turbo$2,299
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Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Wisconsin to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.

Compare Wisconsin car insurance rates with other states

Alabama
$1,860 /year
Alaska
$1,676 /year
Arizona
$1,812 /year
Arkansas
$1,957 /year
California
$2,416 /year
Colorado
$2,337 /year
Connecticut
$1,725 /year
Delaware
$2,063 /year
Florida
$2,694 /year
Georgia
$1,970 /year
Hawaii
$1,517 /year
Idaho
$1,428 /year
Illinois
$1,532 /year
Indiana
$1,515 /year
Iowa
$1,630 /year
Kansas
$1,900 /year
Kentucky
$2,228 /year
Louisiana
$2,883 /year
Maine
$1,175 /year
Maryland
$1,746 /year
Massachusetts
$1,726 /year
Michigan
$2,266 /year
Minnesota
$1,911 /year
Mississippi
$2,008 /year
Missouri
$1,982 /year
Montana
$2,193 /year
Nebraska
$1,902 /year
Nevada
$2,060 /year
New Hampshire
$1,265 /year
New Jersey
$1,902 /year
New Mexico
$2,049 /year
New York
$1,870 /year
North Carolina
$1,741 /year
North Dakota
$1,665 /year
Ohio
$1,417 /year
Oklahoma
$2,138 /year
Oregon
$1,678 /year
Pennsylvania
$1,872 /year
Rhode Island
$2,061 /year
South Carolina
$2,009 /year
South Dakota
$2,280 /year
Tennessee
$1,677 /year
Texas
$2,043 /year
Utah
$1,825 /year
Vermont
$1,319 /year
Virginia
$1,469 /year
Washington
$1,608 /year
Washington, D.C.
$2,157 /year
West Virginia
$2,005 /year
Wyoming
$1,758 /year
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