Average Car Insurance Cost in Wisconsin (2024)
Drivers in Wisconsin pay $104 per month, on average, for car insurance.
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Written byChristy Rakoczy
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Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
The average cost of car insurance in Wisconsin is $143 per month for full-coverage insurance and $64 per month for liability-only auto insurance coverage. The state average for both full coverage and liability-only coverage is less than the national average of $204 per month for full-coverage auto insurance and $104 per month for liability-only insurance.
Wisconsin’s traffic fatalities are among the lowest rates in the U.S.[1] Furthermore, Wisconsin’s alcohol-impaired driving fatality rate is also less than many other states.[2] Both of these rates can help explain why insurance costs are comparatively cheaper in the Badger State.
Quick Facts
The average cost of minimum coverage car insurance in Wisconsin is $64 per month, and the average cost of full-coverage car insurance is $143.
Insurance companies in Wisconsin can use your credit information to determine your auto insurance rates.[3]
Auto insurance premiums are cheaper in Madison than in Milwaukee or Kenosha.
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What’s the average cost of car insurance in Wisconsin?
The overall average cost of car insurance in Wisconsin is $104 per month.
Various factors affect the average annual cost of auto insurance premiums in Wisconsin, including the state’s weather patterns, uninsured motorist rates, number of claims filed, and accident rates.[4] Furthermore, you’ll likely see price differences between liability coverage and full coverage; a full-coverage policy generally costs more but comes with more protection.
The table below shows the average cost of car insurance from different auto insurers in Wisconsin.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| USAA | $22 | $42 |
| Auto-Owners | $23 | $44 |
| State Farm | $23 | $43 |
| Erie | $30 | $58 |
| GEICO | $31 | $58 |
| American Family | $33 | $63 |
| Mile Auto | $35 | $56 |
| Chubb | $38 | $72 |
| Farmers | $44 | $85 |
| Nationwide | $45 | $86 |
| Clearcover | $48 | $78 |
| Progressive | $53 | $101 |
| Travelers | $57 | $109 |
| Root | $63 | $109 |
| Allstate | $65 | $123 |
| Dairyland | $65 | $203 |
| Safeco | $66 | $106 |
| GAINSCO | $69 | $272 |
| Bristol West | $73 | $208 |
| Direct Auto | $81 | $185 |
| The General | $85 | $197 |
| State Auto | $86 | $163 |
| National General | $89 | $182 |
| Liberty Mutual | $109 | $178 |
| Foremost | $122 | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Wisconsin car insurance rates by city
Insurance companies consider an area’s crime rate and the risk of theft or vandalism when determining car insurance premiums. Metropolitan and urban areas in Wisconsin tend to have more expensive average car insurance rates than rural areas because of the higher risk of accidents and theft in populated cities.
For example, average car insurance rates are more expensive in Milwaukee, which is the state’s largest city and located in a county with the most reported accidents in 2020.[5]
The table below shows average car insurance rates for different cities in Wisconsin.
Average Wisconsin car insurance rates by age
A driver’s age also affects their car insurance rates. Younger drivers and seniors have a higher risk of an accident, so they tend to pay more expensive rates.
For young drivers, inexperience and risk-taking behaviors increase their risk of accidents.[6] For seniors, delayed reaction time and health issues can make being on the roads more dangerous.[7]
The table below shows average monthly auto insurance rates for Wisconsin drivers based on age.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Wisconsin
Gender shows a statistical connection with car accident risk as well. In general, men drive more often and have more collisions, both of which cause their insurers to charge them higher rates.
The gender gap between male and female auto insurance premiums is especially substantial for younger male drivers, who pay some of the highest insurance rates of any motorists.[8] The table below shows average premiums of Wisconsin drivers based on age and gender.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $278 | $227 |
| 35 | $132 | $124 |
| 50 | $105 | $102 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Wisconsin
Your past driving record influences your auto insurance rates. Insurers view incidents on your driving record — like driving under the influence (DUI), speeding tickets, and at-fault accidents — as an indicator of how likely you are to file a claim in the future.
The more incidents you have, the higher your premiums.[4] Avoiding crashes and other high-risk behaviors can be one of the best ways to get the cheapest car insurance rates.
The table below shows how Wisconsin average car insurance rates change with different driving records.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $62 | $138 |
| With accident | $89 | $197 |
| With speeding ticket | $83 | $185 |
| With DUI | $96 | $214 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Wisconsin
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $47/mo for full coverage in Wisconsin.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Wisconsin car insurance rates by marital status
Married couples often bundle their car insurance with home or renters insurance and insure multiple cars under one policy, leading to discounts on their auto insurance. This causes married people to pay less for car insurance than single drivers.
The table below shows how much married and single Wisconsinites pay on average for car insurance.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $56 | $126 |
| Single | $63 | $139 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Wisconsin car insurance rates by credit tier
Insurance companies in Wisconsin can and do use credit information when setting insurance rates.[3] Drivers with good or excellent credit scores tend to pay less for car insurance than drivers with poor credit scores. You can increase your credit score by paying your credit accounts on time and keeping your credit utilization ratio less than 30%.
The table below shows average Wisconsin auto insurance premiums based on credit tier.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Poor | $96 | $214 |
| Average | $62 | $138 |
| Good | $56 | $126 |
| Excellent | $48 | $48 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Wisconsin car insurance FAQs
Check out Insurify’s guide to first-time driver car insurance, and read the answers to common questions about auto insurance in Wisconsin below.
What is the average cost of car insurance in Wisconsin?
The average cost of car insurance in Wisconsin is $143 per month for full coverage and $64 per month for liability only.
What is the cheapest car insurance in Wisconsin?
The cheapest car insurance companies in Wisconsin are USAA, Auto-Owners, and State Farm. These insurers have monthly liability rates of $22, $23, and $23, respectively. However, the best way to find the cheapest car insurance rates for your situation is to compare quotes from at least three different auto insurance companies to find the one that offers you the lowest rates for the coverage you need.
Do car insurance rates vary by county in Wisconsin?
Yes. Car insurance companies consider location when setting premiums because the area’s rate of vandalism, accidents, and car thefts affect auto insurance claims.
For example, average auto insurance rates in Madison are just $101 per month, while Milwaukee’s average rates are $150 per month. Milwaukee is the state’s largest city, and the county it’s located in reported more car accidents than any other county in the state in 2020.[5]
What are the best auto insurance companies in Wisconsin?
The best auto insurance companies in Wisconsin depend on what your priorities are when buying coverage. State Farm has some of the cheapest rates and may be good for drivers who want the best deal. However, USAA, Erie, and Grange Insurance have the highest ratings in J.D. Power’s Customer Satisfaction survey for the North Central states.[9]
Drivers should consider what’s important to them and work with an insurance agency or research insurance quotes online to find the best auto insurer that meets their needs.
What are the car insurance requirements in Wisconsin?
Wisconsin requires 25/50/10 minimum car insurance. This translates to $25,000 per person and $50,000 per accident in bodily injury liability coverage and $10,000 per accident in property damage liability coverage.[10]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- IIHS. "Fatality Facts 2021 State by state."
- NHTSA. "Traffic Safety Facts 2020 Data."
- Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information."
- III. "What determines the price of an auto insurance policy?."
- Wisconsin Department of Transportation. "Final year-end crash statistics by county."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Business Magazin. "Gender disparity in car insurance premiums – who pays more?."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- Wisconsin Department of Transportation. "Minimum insurance requirements."
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Christy Rakoczy
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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