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Average cost of car insurance in Wisconsin for 2023
The average annual cost of Wisconsin car insurance is $1,292 for full coverage and $358 for minimum coverage.
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What To Know First
Bankrate’s editorial team includes licensed insurance agents with decades of combined industry expertise. We analyzed data from Quadrant Information Services across various driver profiles and ZIP codes to reveal the average cost of car insurance in Wisconsin. Drivers in the Badger State pay an average of $1,292 per year for full coverage and $358 for minimum coverage. These average rates are low compared to the national annual average of $2,014 for full coverage and $622 for minimum coverage. Some key takeaways from our driver profile analysis include:
- Compared to the national average, Wisconsin drivers pay 36 percent less for full coverage and 42 percent less for minimum coverage.
- While drivers living in Milwaukee pay an average of 7 percent more than the state average, Waukesha driver rates are 10 percent below the average.
- Drivers in Wisconsin with poor credit pay an average of 336 percent more than drivers with good credit.
- Being convicted of a DUI in Wisconsin increases the average driver’s rate by 74 percent, while a speeding ticket conviction increases average premiums by 17 percent.
On This Page
- How much is car insurance in Wisconsin?
- Wisconsin car insurance rates by city
- Average car insurance costs by age and gender in Wisconsin
- How does driving record impact the cost of car insurance in Wisconsin?
- Car insurance rates in Wisconsin by credit score
- Wisconsin car insurance rates by vehicle type
- How to save on car insurance in Wisconsin
- Estimate your car insurance cost in Wisconsin
- Frequently asked questions
How much is car insurance in Wisconsin?
The average cost of car insurance in Wisconsin is cheaper than the national average for both full and minimum coverage. These low rates may be attributed, in part, to the state's lower population density, which may lead to less congested roadways and fewer accidents. Your rates may vary from these averages based on your individual rating factors, such as your age, gender, vehicle type, credit history, ZIP code and driving record. Keep reading to explore how your personal rating factors may influence your Wisconsin car insurance rates.
| Average minimum coverage premium in Wisconsin | Average annual full coverage premium in Wisconsin |
|---|---|
| $358 | $1,292 |
Compare auto insurance rates
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Wisconsin car insurance rates by city
Your Wisconsin car insurance rates can vary by city and ZIP code. These differences may reflect changes in regional weather patterns, repair costs, crime rates, population density and more. Below are average rates in five of Wisconsin's largest cities.
| Wisconsin city | Average annual full coverage premium | Percentage change from Wisconsin average annual full coverage premium |
|---|---|---|
| Kenosha | $1,281 | -1% |
| Madison | $1,281 | -1% |
| Milwaukee | $1,387 | 7% |
| Racine | $1,291 | 0% |
| Waukesha | $1,166 | -10% |
Average car insurance costs by age and gender in Wisconsin
Although drivers' age and gender are not rating criteria in all states, car insurance companies in Wisconsin can use these factors to determine premiums. Female drivers generally pay less than males of the same age since they statistically exhibit less risky driving behaviors than men. In both genders, drivers from ages 40 to 70 typically pay the least for car insurance. The tables below compare rates by age and gender across various age groups.
| Age | Average monthly full coverage premium in Wisconsin | Average annual full coverage premium in Wisconsin |
|---|---|---|
| Age 16* | $244 | $2,931 |
| Age 18 | $375 | $4,495 |
| Age 20 | $253 | $3,037 |
| Age 25 | $140 | $1,674 |
| Age 30 | $114 | $1,370 |
| Age 40 | $109 | $1,306 |
| Age 50 | $101 | $1,207 |
| Age 60 | $95 | $1,144 |
| Age 70 | $105 | $1,255 |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
| Age | Average monthly full coverage premium in Wisconsin | Average annual full coverage premium in Wisconsin |
|---|---|---|
| Age 16* | $225 | $2,696 |
| Age 18 | $321 | $3,846 |
| Age 20 | $218 | $2,611 |
| Age 25 | $130 | $1,555 |
| Age 30 | $111 | $1,330 |
| Age 40 | $107 | $1,279 |
| Age 50 | $100 | $1,194 |
| Age 60 | $94 | $1,126 |
| Age 70 | $104 | $1,242 |
Cost considerations for young drivers in Wisconsin
Young drivers usually pay the highest car insurance costs because of their lack of driving experience. However, young drivers may be able to save money by remaining insured on their parents' policy rather than their own. That being said, some carriers require drivers to live in the same house as their parents to be listed on their policy.
| Age | Average annual premium for drivers on their parents' policy in Wisconsin | Average annual premium for drivers on their own policy in Wisconsin |
|---|---|---|
| Age 16 | $2,814 | N/A* |
| Age 17 | $2,658 | N/A* |
| Age 18 | $2,392 | $4,171 |
| Age 19 | $2,089 | $3,115 |
| Age 20 | $1,985 | $2,824 |
*16- and 17-year-old drivers must be on their parents’ policy.
How does driving record impact the cost of car insurance in Wisconsin?
Your driving record has an impact on your premiums, and incidents like speeding tickets, accidents and DUIs may all indicate to your carrier that you are riskier to insure. If you have a speeding ticket, accident or DUI on your record, you may pay considerably more for insurance. The more severe the incident, the more dramatic the rate increase typically is.
| Driving incident | Average annual full coverage premium in Wisconsin | Percentage increase from Wisconsin average annual full coverage premium |
|---|---|---|
| Clean driving record | $1,292 | N/A |
| Speeding ticket | $1,509 | 17% |
| Accident | $1,721 | 33% |
| DUI | $2,246 | 74% |
Car insurance rates in Wisconsin by credit score
Another factor that doesn’t apply in all states, but does in Wisconsin, is credit history. Carriers may see poor credit as an indication that you are riskier to insure. The average rate increase for poor credit is particularly severe in Wisconsin. While the national average full coverage rate increase between good credit and poor credit is 73 percent, the average rate increase in Wisconsin is over 330 percent.
| Credit tier | Average annual full coverage premium in Wisconsin | Percentage change from Wisconsin average annual full coverage premium |
|---|---|---|
| Poor | $5,631 | 336% |
| Average | $1,442 | 12% |
| Good | $1,292 | N/A |
| Excellent | $1,076 | -17% |
Wisconsin car insurance rates by vehicle type
The make and model of the vehicle you choose to drive impacts your car insurance rates. A car's value, safety ratings, repair costs, theft rates and more may impact your premium. You probably won't buy a new vehicle to lower your rates, but if you're already in the market for a new car, considering average rates by make and model may help you narrow down a more budget-friendly choice.
| Vehicle | Average annual full coverage premium in Wisconsin |
|---|---|
| Toyota Camry | $1,292 |
| Ford F-150 | $1,113 |
| Honda Odyssey | $1,125 |
| BMW 330i | $1,681 |
| Toyota Prius | $1,380 |
How to save on car insurance in Wisconsin
Wisconsin drivers looking for cheap car insurance or ways to save might consider the following strategies:
- Increase your deductible: Raising one or more of your deductibles will likely lower your premium, but bear in mind that you will have to pay more out of pocket in the event of a claim.
- Compare providers: Insurance providers charge drivers different rates because each has its own pricing algorithm. You cannot assume you will be charged the same amount wherever you go, so most insurance experts recommend comparing quotes from different carriers for the same coverage choices to find the cheapest company for you.
- Compare discounts: Though two companies may offer the same discounts, you may get more savings with one provider over another. Many insurance experts recommend reviewing potential discounts from your carrier each year to see if you qualify for any additional savings opportunities.
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