Average Car Insurance Cost in Wisconsin (2024 Annual/Monthly Rates)

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57M Quotes reviewed

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34.5K ZIP codes analyzed

If you’re looking for car insurance rates in Wisconsin, the average annual premium is $1,664, per year or $139 monthly. This contrasts with the national average of $1,895, highlighting a variation of $231. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.

This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Wisconsin, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes.

Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.

Average annual cost
$1,664

Average per month cost
$139

Average cost for state minimum coverage
$365 / Year

Cheapest car insurance company
Travelers($1,089 / Year)

Average cost for young drivers
$2,672 / Year

Average cost for Senior drivers
$1,613 / Year

Key Takeaways

The average car insurance cost in Wisconsin is $1,664 per year, based on Insure.com’s analysis.
In Wisconsin, the average premium for car insurance is $139 per month.
Travelers has the cheapest car insurance rates in Wisconsin, at an average annual rate of $1,089 a year.

Average car insurance cost in Wisconsin per month

In Wisconsin, the monthly rate for car insurance is $139.

This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Wisconsin, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.

Cheapest car insurance companies in Wisconsin

According to Insure.com’s rate analysis, Travelers offers the most affordable car insurance premiums in Wisconsin. The average annual cost is $1,089, or $91 per month. The second-best option available is GEICO, offering insurance at an average cost of $100 per month.

The table below lists the other available car insurance companies that offer car insurance in Wisconsin, along with their average cost per month and average annual cost.

Affordable car insurance providers in Wisconsin

Graph

Table

Company name	Average per month cost	Average annual cost
Travelers	$91	$1,089
GEICO	$100	$1,195
Nationwide	$107	$1,287
Erie Insurance	$109	$1,313
West Bend Insurance Company	$114	$1,373
Acuity Insurance	$161	$1,933
Progressive	$177	$2,128
Farmers	$178	$2,139
State Farm	$198	$2,378
Allstate	$210	$2,515
USAA*	$82	$984

*USAA is only available to military community members and their families.

Read our guide to cheap car insurance companies

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

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

Car insurance rates in Wisconsin are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $425 per year in Wisconsin.

As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Wisconsin amounts to $1,664 per year.

If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Wisconsin, the average annual cost for non-owner state minimum liability coverage is $230.

For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $365 in Wisconsin.

1State minimum:$365

2Liability only:$425

3Full coverage:$1,664

4Non-owners:$230

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

Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.

The table below depicts the top popular cities in Wisconsin:

City	Average annual cost
Appleton	$1,318
Eau Claire	$1,491
Green Bay	$1,325
Janesville	$1,437
Kenosha	$1,628
Madison	$1,524
Milwaukee	$2,013
Oshkosh	$1,357
Racine	$1,649
Waukesha	$1,425

Average car insurance cost in Wisconsin by age of the driver

Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Wisconsin, the average annual rate for young drivers is $2,672, whereas for seniors, it is $1,613. The rate for young drivers exceeds that of senior drivers by $1,059.

Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.

Average car insurance cost in Wisconsin for young drivers

In Wisconsin, the auto insurance premium for female young drivers averages at $2,548 annually, or $212 monthly, while male young drivers face a yearly rate of $2,796, or a monthly average of $233.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
20	$3,601	$3,216
21	$2,915	$2,624
22	$2,659	$2,429
23	$2,466	$2,281
24	$2,336	$2,190

Average car insurance cost in Wisconsin for senior drivers

In Wisconsin, the annual car insurance cost for senior female drivers is $1,573 or $131 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,654 per year, with a monthly average of $138.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,518	$1,460
70	$1,640	$1,562
75	$1,803	$1,696

Minimum car insurance requirements in Wisconsin

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Wisconsin Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Wisconsin:

Bodily injury per person: $25,000
Bodily injury per accident: $50,000
Personal property coverage per person: $10,000

Cheapest cars to insure in Wisconsin

According to Insure.com data study, Mazda CX-30 has the lowest premium of $1,311. Hyundai Venue is followed closely at $1,319 per year. The difference in the cost of insuring these two models is $8 annually.

Make	Model	Average annual premium
Mazda	CX-30	$1,311
Hyundai	Venue	$1,319
Honda	HR-V	$1,322
Toyota	Corolla Cross	$1,345
Chevrolet	TrailBlazer	$1,346
Honda	CR-V	$1,359
Volkswagen	Tiguan	$1,361
Hyundai	Kona	$1,365
Mazda	CX-5	$1,368
Ford	Maverick	$1,370

Most expensive cars to insure in Wisconsin

The Maserati Quattroporte, at an average annual premium of $5,386, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,075 annually.

Make	Model	Average annual premium
Maserati	Quattroporte	$5,386
Maserati	Quattroporte Trofeo	$5,344
Maserati	Ghibli Trofeo	$5,202
Audi	R8 Performance	$5,038
Maserati	Ghibli	$4,484
BMW	Alpina B8	$4,218
Porsche	Taycan GTS	$4,212
Maserati	Levante Trofeo	$4,167
Porsche	Panamera Turbo S E-Hybrid	$4,098
Tesla	Model S Plaid	$4,078

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have 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 a full coverage policy with limits of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed