Wisconsin Car insurance calculator

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If you drive in Wisconsin, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Wisconsin car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Wisconsin, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Wisconsin:

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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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.

Does your vehicle model affect car insurance rates in Wisconsin?

A vehicle’s make and model can significantly impact car insurance rates. Insurers consider various factors, including a vehicle’s make and model, when determining premiums.

For example, full coverage for a Honda Accord LX costs $1,763 per year, while the average premium for a Honda CR-V in Wisconsin is $1,480 – a difference of $283.

Does your car’s model year affect insurance rates in Wisconsin?

In Wisconsin, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,776 per year, while the 2024 model costs $1,736 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Wisconsin is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

Bodily injury liability per person and per accident
Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Wisconsin can lead to fines, license suspension and even vehicle impoundment.

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

Green Bay

Madison

Milwaukee

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How your car’s trim affects insurance rates in Wisconsin

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Wisconsin, full coverage car insurance for a 2023 Honda Accord LX costs $2,776 a year, while the higher-end Accord EX-L trim costs $2,402 annually – a difference of $374 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding.

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Car insurance estimate in Wisconsin

Drivers in Wisconsin pay an average of $2,026 per year or $169 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Wisconsin. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,026	$169
Liability Only – 50/100/50 BI/PD	$479	$40
State Minimum BI/PD	$407	$34
Non-Owners	$290	$24

How car insurance prices compare across Wisconsin cities

Car insurance premiums in Wisconsin can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $2,674 per year in Milwaukee, compared to $1,576 in Menasha.

Top 20 cities with cheapest car insurance rates in Wisconsin

City	Avg. Annual Premium	Avg. Monthly Premium
Menasha	$1,576	$131
Greenleaf	$1,595	$133
Kimberly	$1,639	$137
Combined Locks	$1,648	$137
Neenah	$1,648	$137
Two Rivers	$1,656	$138
Howard	$1,659	$138
Appleton	$1,664	$139
De Pere	$1,666	$139
Little Chute	$1,666	$139
Green Bay	$1,670	$139
Whitelaw	$1,687	$141
Wrightstown	$1,688	$141
Kaukauna	$1,689	$141
Oshkosh	$1,716	$143
Shiocton	$1,722	$144
Adell	$1,724	$144
Tisch Mills	$1,729	$144
Hobart	$1,741	$145
Hilbert	$1,742	$145

Top 20 cities with most expensive car insurance in rates Wisconsin

City	Avg. Annual Premium	Avg. Monthly Premium
Milwaukee	$2,674	$223
Benoit	$2,435	$203
Hertel	$2,410	$201
Washburn	$2,393	$199
Cornucopia	$2,390	$199
Webster	$2,382	$198
Ladysmith	$2,369	$197
Viroqua	$2,362	$197
Whitefish Bay	$2,344	$195
Mikana	$2,329	$194
De Soto	$2,325	$194
Trego	$2,317	$193
Hayward	$2,315	$193
Springbrook	$2,308	$192
Shell Lake	$2,306	$192
Stone Lake	$2,305	$192
Genoa	$2,302	$192
Gile	$2,299	$192
Mercer	$2,299	$192
Sarona	$2,298	$192

Want to know what you’ll pay? Try our Wisconsin car insurance calculator

Our Wisconsin car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

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

Washington, D.C.$3,394/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

Shivani Gite

Contributing Writer

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.

On this page

How to use our car insurance calculator to estimate your rates in Wisconsin:
Does your vehicle model affect car insurance rates in Wisconsin?
Does your car's model year affect insurance rates in Wisconsin?
How your car's trim affects insurance rates in Wisconsin
Car insurance estimate in Wisconsin
How car insurance prices compare across Wisconsin cities
Want to know what you'll pay? Try our Wisconsin car insurance calculator

Wisconsin car insurance calculator