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Non-owner auto insurance in Wisconsin is $248 annually, which is $132 lower than the national average, according to a 2023 rate analysis by Insure.com.

Many companies offer these policies in Wisconsin, such as Erie Insurance, Geico and State Farm.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Wisconsin.

How much does non-owner car insurance cost in Wisconsin?

It’s usually less expensive to buy a non-owner insurance policy than regular car insurance because insurance companies consider non-owner policyholders less of a risk due to their limited access to a vehicle.

On average in the United States, it’s $1,682 per year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you may cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. This applies to drivers with clean driving records and good credit scores. In Wisconsin, the cost is $1,325.

On the other hand, non-owner auto insurance costs $248 a year in Wisconsin and $380 on average in the U.S.

But there are different variables when considering the rates, such as which insurer you buy from, your age and driving history and also where in Wisconsin you live.

Which insurer offers the cheapest non-owner insurance rates in Wisconsin?

Wisconsin’s least expensive non-owner insurance policy is offered by USAA at $91 a year.

At $442 a year, Kemper Insurance charges the highest rate for non-owner insurance in the state.

You should compare quotes from multiple insurers to find the best price. The cheapest non-owner policies available in Wisconsin are listed below.

Cheapest non-owner insurance rates in Wisconsin

CompanyAverage annual premium
USAA$91
Auto-Owners$94
Erie Insurance$105
Geico$108
State Farm$133

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Wisconsin by age?

Age is also important when it comes to pricing. Statistically, young drivers are riskier because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Wisconsin, a 45-year-old will pay $242 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,042 on average.

Average non-owner auto insurance rates in Wisconsin by age and gender

AgeMaleFemale
16$1,111$973
17$900$800
18$758$677
19$559$494
20$485$435
21$386$349
22$360$329
23$336$314
24$318$302
25$280$279
30$264$260
35$256$255
40$248$247
45$242$241
50$237$235
55$230$227
60$232$228
65$251$238
70$278$263
75$308$285

Which Wisconsin cities have the cheapest non-owner car insurance?

There’s a great deal of variation from city to city regarding rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

Below are charts displaying the cities in Wisconsin that have the least and most expensive non-owner auto insurance rates.

The 20 Wisconsin cities with the lowest non-owner auto insurance rates

Cities in WisconsinLowest non-owner car insurance rates
Fifield$203
Kennan$203
Phillips$203
Brantwood$205
Catawba$205
Hurley$205
Montreal$205
Park Falls$205
Ashland$206
Ogema$206
Washburn$206
Iron Belt$207
La Pointe$207
Mellen$207
Prentice$207
Saxon$207
Bayfield$208
Mason$208
Mercer$208
Cornucopia$209

The 20 Wisconsin cities with the highest non-owner car insurance rates

Cities in WisconsinHighest non-owner car insurance rates
Milwaukee$421
West Allis$374
Wauwatosa$369
St. Francis$363
Whitefish Bay$360
Greenfield$357
Kenosha$352
Cudahy$349
Greendale$348
Racine$348
Pleasant Prairie$346
Benet Lake$342
Franklin$342
Hales Corners$342
Oak Creek$342
South Milwaukee$341
Woodworth$340
Sturtevant$339
Mount Pleasant$338
Bristol$333

How much is non-owner auto insurance in Wisconsin’s 10 biggest cities?

The biggest cities in Wisconsin can have significantly different non-owner insurance rates. The non-owner insurance cost in Milwaukee is the highest at $421, but Eau Claire has the least expensive rates among the largest cities in the state at $237.

Non-owner car rates in Wisconsin’s 10 largest cities

10 largest cities in WisconsinNon-owner car rates
Milwaukee$421
Kenosha$352
Racine$348
Waukesha$295
Madison$274
Janesville$259
Oshkosh$252
Appleton$251
Green Bay$248
Eau Claire$237

How non-owner insurance rates in Wisconsin compare to rates in other states

The rates for non-owner auto insurance will differ from state to state. The average non-owner insurance rate in Wisconsin is $248, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.

Non-owner auto insurance rates in the 10 most populous states

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

How to get non-owner car insurance in Wisconsin

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

  1. Contact a car insurance agent about the coverage
  2. Supply your basic driving history
  3. Review the information you receive on the insurers and rates
  4. Choose the policy that best meets your needs
  5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“The best way to find any insurance is to shop around and price match,” says Marlon Moss, a licensed agent at A Plus Insurance.

Below are some insurance companies with contact numbers to call for a non-owner insurance quote.

  • State Farm: 800-782-8332
  • Geico: 800-207-7847
  • Progressive: 888-671-4405
  • Allstate: 800-726-6033.
  • USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.