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25 Years of insurance experience
78.5M Quotes reviewed
170 Insurance providers evaluated
34.5K ZIP codes analyzed

If you’re in Wisconsin, your monthly cost for full coverage car insurance is $169, which adds up to $2,026 per year. For minimum coverage, expect to pay an average of $34 monthly, or $407 a year.

Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle.

If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.

Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates.

Average car insurance cost in Wisconsin

If you live in Wisconsin can expect to pay an average of $169 per month for full coverage car insurance – that’s $2,026 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $34 monthly or $407 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.

Cheapest car insurance companies in Wisconsin

Travelers provides the lowest full coverage rates, for an average cost of $1,284 per year or $107 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.

GEICO also offers affordable insurance coverage to Wisconsin drivers at an average cost of $1,376 a year or $115 per month.

Although these insurers offer some of the most affordable average rates in Wisconsin, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage.

Affordable car insurance providers in Wisconsin

Graph
Table
Company nameAverage per month costAverage annual cost
Travelers$107$1,284
GEICO$115$1,376
Nationwide$152$1,825
West Bend Insurance Company$154$1,844
Erie Insurance$163$1,951
Acuity Insurance$205$2,464
Farmers$222$2,664
Allstate$244$2,923
Progressive$297$3,563
USAA*$98$1,176
*USAA is only available to military community members and their families.
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Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Wisconsin

Your car insurance cost largely comes down to the coverage limits you pick.

If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $34 a month, or about $407 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.

For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.

On average, drivers in Wisconsin pay around $169 per month, or roughly $2,026 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.

Coverage limitsAverage annual cost
State minimum liability-only$407
Liability only$479
Full coverage$2,026
Non-owner state minimum liability$290
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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Wisconsin by city

Average car insurance cost in Wisconsin by city

Because car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Milwaukee, Racine or Kenosha, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.

On the other hand, drivers in cities like Appleton or Green Bay pay significantly low insurance rates, on average between $1,664 and $1,670 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.

CityAverage annual cost
Appleton$1,664
Green Bay$1,670
Oshkosh$1,716
Waukesha$1,799
Janesville$1,830
Madison$1,935
Eau Claire$1,945
Kenosha$2,049
Racine$2,090
Milwaukee$2,674
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Average car insurance cost in Wisconsin by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Wisconsin, based on age and gender.

Average car insurance cost in Wisconsin for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Wisconsin pays an average of $4,313 annually for car insurance, compared to $4,009 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $2,376 per year for male drivers and $2,261 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$4,313$4,009
21$3,480$3,185
22$3,193$2,962
23$2,984$2,802
24$2,846$2,709
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Average car insurance cost in Wisconsin for adult drivers

An adult driver aged 25-60 in Wisconsin pays $2,020 annually for full coverage, or around $168 each month. Women in the same age group pay $1,998 per year or $166 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$2,376$2,261
30$2,173$2,152
35$2,070$2,044
40$2,008$2,043
45$1,963$1,992
50$1,885$1,879
55$1,849$1,861
60$1,845$1,767
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Average car insurance cost in Wisconsin for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,860 annually, while women pay $1,749.

By 70, average rates go up to $2,003 for men and $1,885 for women. At age 75, costs increase further, reaching $2,191 for men and $2,066 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,860$1,749
70$2,003$1,885
75$2,191$2,066
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Minimum car insurance requirements in Wisconsin

Whether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Wisconsin can help you avoid fines and make smarter choices about your coverage.

Drivers in Wisconsin must carry at least the following minimum coverage limits to meet the state’s legal requirements:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $10,000

Cheapest cars to insure in Wisconsin

Insurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.

Hyundai Venue has the lowest premium, at an average of $1,451 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $1,480.

The table below shows the cheapest cars to insure and their average annual rates.

Make ModelAverage annual premium
Hyundai Venue$1,451
Honda CR-V$1,480
Honda HR-V$1,486
Chevrolet TrailBlazer$1,514
Volkswagen Tiguan$1,519
Subaru Outback$1,529
Toyota Corolla Cross$1,537
Mazda CX-5$1,539
Subaru Crosstrek$1,548
Chevrolet Trax$1,549
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Most expensive cars to insure in Wisconsin

Maserati Quattroporte stands out as the most expensive car to insure in Wisconsin, with an average annual cost of $6,020.

The table below shows the most expensive vehicles to insure in Wisconsin along with their average annual insurance costs.

Make ModelAverage annual premium
Maserati Quattroporte$6,020
Maserati Ghibli$5,530
Audi e-tron GT$4,845
Nissan GT-R$4,769
Audi RS7$4,706
Porsche 911 GT3$4,560
Audi S8$4,436
Audi RS6$4,378
BMW X6 M$4,366
Tesla Model S$4,352
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Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

  • Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
  • State minimum limits
  • Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

  • Young drivers aged 20-24
  • Adult drivers aged 25-26
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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