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Geico provides the cheapest full coverage car insurance in Wisconsin at about $749 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Your specific rates may vary, but the average full coverage car insurance premium in Wisconsin is $125 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Wisconsin is no exception. Wisconsin drivers are required to carry at least the minimum amount of liability coverage—$10,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Wisconsin?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Wisconsin, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Wisconsin

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Wisconsin is 11% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Wisconsin by company

Geico offers the cheapest full coverage car insurance in Wisconsin an average of $749 per year. It’s 50% less expensive than the average full coverage car insurance cost in Wisconsin. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Geico$749
USAA$771
Nationwide$802
Travelers$970
State Farm$1,011
American Family$1,112
Auto-Owners$1,281
Erie Insurance$1,292
Allstate$1,633
Automobile Club MI$1,755
Progressive$1,999
Kemper Insurance$2,392
Farmers Insurance$2,610

Full coverage car insurance cost in Wisconsin by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Wisconsin

Drivers living in the ZIP code 53206 pay the highest premiums at about $2,452 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Wisconsin.

ZIP codeFull coverage insurance cost
53206$2,452
53216$2,433
53205$2,374
53210$2,362
53212$2,302
53208$2,235
53233$2,214
53204$2,178
53218$2,145
53203$2,122

Least expensive ZIP codes for car insurance in Wisconsin

54313 ZIP code in Wisconsin has the cheapest full coverage auto insurance cost at an average price of $1,159 annually. Know the least expensive ZIP codes for car insurance in Wisconsin below.

ZIP codeFull coverage insurance cost
54313$1,159
54904$1,160
54915$1,167
54136$1,169
54302$1,169
54901$1,169
54304$1,170
54301$1,171
54914$1,174
54902$1,176

Wisconsin full coverage car insurance rate by age

Young drivers in Wisconsin tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 403% more than a 40-year-old mature driver in Wisconsin, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$5,653
Young drivers (age 20-24)$2,632
Adult drivers (age 25-64)$1,524
Senior drivers (age 65+)$1,404

Read our Guide to car insurance for teens for more information

Car insurance rates in Wisconsin by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Wisconsin

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 37% or $670 in Wisconsin, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$797$93017%$132
State Farm$1,243$1,3519%$108
Nationwide$1,079$1,45835%$379
Geico$857$1,52678%$669
Erie$1,530$1,5300%$0
American Family$1,209$1,57430%$365
Travelers$1,117$1,65548%$537
Auto-Owners$1,341$2,41380%$1,072
Allstate$2,066$2,54823%$482
Automobile Club of MI$1,377$2,902111%$1,525
Progressive$2,187$3,02238%$836
Farmers$3,290$4,22128%$931
Kemper$3,538$4,30522%$766
Auto Club Entreprises$2,170$4,639114%$2,469

Cheapest full coverage car insurance after an accident in Wisconsin

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

USAA offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1151 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
USAA$797$1,15144%$353
American Family$1,209$1,2090%$0
State Farm$1,243$1,45917%$216
Auto-Owners$1,341$1,56917%$229
Travelers$1,117$1,61845%$501
Geico$857$1,69798%$841
Nationwide$1,079$1,81368%$734
Erie$1,530$1,87222%$341
Automobile Club of MI$1,377$2,806104%$1,429
Allstate$2,066$3,52571%$1,459
Progressive$2,187$3,83475%$1,647
Auto Club Entreprises$2,170$4,483107%$2,313
Kemper$3,538$5,34951%$1,811
Farmers$3,290$5,43165%$2,142

Cheapest full coverage car insurance after a DUI conviction in Wisconsin

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,243$1,3519%$108
USAA$797$1,44982%$651
American Family$1,209$1,57430%$365
Travelers$1,117$1,77459%$656
Geico$857$2,174154%$1,317
Erie$1,530$2,21245%$682
Nationwide$1,079$2,338117%$1,259
Auto-Owners$1,341$2,53289%$1,192
Progressive$2,187$2,55517%$369
Allstate$2,066$2,63027%$564
Kemper$3,538$3,7145%$175
Farmers$3,290$6,599101%$3,309
Automobile Club of MI$1,377$6,681385%$5,304
Auto Club Entreprises$2,170$10,992406%$8,822

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Wisconsin.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.