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Average cost of car insurance in Wisconsin for 2024

Updated Nov 13, 2024
The average annual cost of Wisconsin car insurance is $1,869 for full coverage and $442 for minimum coverage.
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How much is car insurance in Wisconsin? 

Bankrate’s insurance editorial team reviewed premium data from Quadrant Information Services to find out how much car insurance is in Wisconsin and how it compares to other states. Per our research, average car insurance premiums in WI are cheaper than the national average. Drivers here pay $1,869 per year for full coverage and $442 per year for minimum coverage, whereas drivers nationwide pay an average of $2,458 and $678, respectively.

Cheap car insurance rates in Wisconsin may be attributed in part to the state's lower population density and less congested roadways, resulting in fewer accidents. However, your insurance rate could be higher or lower than average based on several factors like 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 auto insurance.

Key takeaways

  • The average annual cost of insurance in the Badger State is $1,869 for full coverage and $442 for minimum coverage.
  • Wisconsin drivers pay 13 percent less for full coverage and 17 percent less for minimum coverage compared to the national average.
  • Drivers living in Milwaukee pay an average of 28 percent more, while those in Waukesha pay 10 percent less than the state average.
  • Being convicted of a DUI in Wisconsin increases the average driver’s rate by 95 percent more, while a speeding ticket increases average premiums by 21 percent more.

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Wisconsin car insurance rates by city

Wisconsin car insurance premiums can vary by city. These differences may reflect changes in regional weather patterns, repair costs, crime rates, population density and more. Below are average rates in some of  Wisconsin's largest cities.

City Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Average car insurance costs by age and gender in Wisconsin

In Wisconsin, car insurance companies use age and sex when determining how much to charge for auto insurance. Typically, younger drivers have less experience and are more likely to get into accidents, which leads to higher rates than older drivers pay. Similarly, male drivers are more likely to exhibit risky driving habits; as such, they see higher rates than female drivers. Overall, drivers between 40 and 70 typically pay the least for insurance, with the average car insurance cost in Wisconsin being the lowest for 60-year-old women.

Age 16*
Average annual full coverage premium in Wisconsin
$4,012
Average minimum coverage premium in Wisconsin
$1,070
Age 18
Average annual full coverage premium in Wisconsin
$5,856
Average minimum coverage premium in Wisconsin
$1,544
Age 20
Average annual full coverage premium in Wisconsin
$4,440
Average minimum coverage premium in Wisconsin
$1,060
Age 25
Average annual full coverage premium in Wisconsin
$2,456
Average minimum coverage premium in Wisconsin
$573
Age 30
Average annual full coverage premium in Wisconsin
$2,029
Average minimum coverage premium in Wisconsin
$464
Age 40
Average annual full coverage premium in Wisconsin
$1,892
Average minimum coverage premium in Wisconsin
$440
Age 50
Average annual full coverage premium in Wisconsin
$1,745
Average minimum coverage premium in Wisconsin
$417
Age 60
Average annual full coverage premium in Wisconsin
$1,669
Average minimum coverage premium in Wisconsin
$412
Age 70
Average annual full coverage premium in Wisconsin
$1,826
Average minimum coverage premium in Wisconsin
$475
Age 40
Average annual full coverage premium in Wisconsin
$1,892
Average minimum coverage premium in Wisconsin
$440
Age 50
Average annual full coverage premium in Wisconsin
$1,745
Average minimum coverage premium in Wisconsin
$417
Age 60
Average annual full coverage premium in Wisconsin
$1,669
Average minimum coverage premium in Wisconsin
$412
Age 70
Average annual full coverage premium in Wisconsin
$1,826
Average minimum coverage premium in Wisconsin
$475
*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 16*
Average annual full coverage premium in AL
$4,350
Average minimum coverage premium in AL
$1,453
Age 18
Average annual full coverage premium in AL
$5,962
Average minimum coverage premium in AL
$1,858
Age 20
Average annual full coverage premium in AL
$3,865
Average minimum coverage premium in AL
$1,150
Age 25
Average annual full coverage premium in AL
$2,671
Average minimum coverage premium in AL
$756
Age 30
Average annual full coverage premium in AL
$2,177
Average minimum coverage premium in AL
$587
Age 40
Average annual full coverage premium in AL
$2,036
Average minimum coverage premium in AL
$558
Age 50
Average annual full coverage premium in AL
$1,800
Average minimum coverage premium in AL
$520
Age 60
Average annual full coverage premium in AL
$1,828
Average minimum coverage premium in AL
$519
Age 70
Average annual full coverage premium in AL
$1,995
Average minimum coverage premium in AL
$601
Age 40
Average annual full coverage premium in AL
$2,036
Average minimum coverage premium in AL
$558
Age 50
Average annual full coverage premium in AL
$1,800
Average minimum coverage premium in AL
$520
Age 60
Average annual full coverage premium in AL
$1,828
Average minimum coverage premium in AL
$519
Age 70
Average annual full coverage premium in AL
$1,995
Average minimum coverage premium in AL
$601
*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
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Bankrate’s take: Car insurance rates are based on risk, so insurers charge more for drivers they believe are more likely to file a claim. Statistically, male drivers, especially young male drivers, get into more accidents, which means insurers charge higher premiums for male drivers than females.

Cost considerations for young drivers in Wisconsin

Because younger people have limited driving experience, they tend to pay some of the highest premiums. Minors cannot get car insurance on their own; they must be added to a parent or guardian’s policy — and it’s not cheap. Once a driver turns 18, they may purchase their own policy. However, it’s typically much more economical to remain on their parents’ insurance as long as they’re able. Some insurers require that young drivers live in the same home as the policyholder to be eligible, though.

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Age 16*
Avg. annual premium for drivers in Wisconsin
$3,851
Age 17
Avg. annual premium for drivers in Wisconsin
$3,612
Age 18
Avg. annual premium for drivers in Wisconsin
$3,298
Age 19
Avg. annual premium for drivers in Wisconsin
$2,944
Age 20
Avg. annual premium for drivers in Wisconsin
$2,798
*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 18
Avg. annual premium for drivers in Wisconsin
$5,659
Age 19
Avg. annual premium for drivers in Wisconsin
$4,616
Age 20
Avg. annual premium for drivers in Wisconsin
$4,169
*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 Avg. annual premium difference for drivers on their own policy
Age 18 72 percent more
Age 19 57 percent more
Age 20 49 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Wisconsin?

Because insurance is all about risk, insurers review your driving history when calculating your rate. Those with clean driving records pay less for insurance because they are viewed as less likely to get into accidents or file claims. In contrast, things like speeding tickets, accidents and DUIs will cause your rate to increase. The more serious the incident, the greater the upcharge, and you may even be required to file an SR-22 certificate to get back on the road.

Here, the table shows how different incidents can impact your rates compared to having a clean driving record.

Clean driving record
Avg. annual premium* in Wisconsin
$1,869
Percentage increase from Wisconsin avg. annual premium*
0%
Avg. annual premium* in Wisconsin
$2,253
Percentage increase from Wisconsin avg. annual premium*
21%
Avg. annual premium* in Wisconsin
$2,633
Percentage increase from Wisconsin avg. annual premium*
41%
Avg. annual premium* in Wisconsin
$3,639
Percentage increase from Wisconsin avg. annual premium*
95%
*The rates reflected are for full coverage policies.

Car insurance rates in Wisconsin by credit score

Another factor that impacts your car insurance rate in Wisconsin is your credit history. Statistics have shown that those with less-than-optimal credit are more likely to file claims. Therefore, insurers charge drivers with excellent credit less and drivers with average or poor credit more. On average, the rate increase for poor credit is particularly severe in Wisconsin.

Avg. annual premium* in Wisconsin
$3,406
Percentage change from Wisconsin average annual premium*
82%
Average
Avg. annual premium* in Wisconsin
$2,073
Percentage change from Wisconsin average annual premium*
11%
Avg. annual premium* in Wisconsin
$1,869
Percentage change from Wisconsin average annual premium*
0%
Excellent
Avg. annual premium* in Wisconsin
$1,571
Percentage change from Wisconsin average annual premium*
-16%
*Rates reflect full coverage policies.

Wisconsin car insurance rates by vehicle type

The make and model of the vehicle you drive impacts your car insurance rate, as well. A vehicle’s value, safety ratings, repair costs, theft rate and more are taken into consideration. That said, if you're in the market for a new car, considering average insurance rates by make and model may help you keep your car insurance bills in check.

Avg. annual premium* in Wisconsin
$1,869
Avg. annual premium* in Wisconsin
$1,761
Avg. annual premium* in Wisconsin
$1,586
BMW 330i
Avg. annual premium* in Wisconsin
$2,276
Toyota Prius
Avg. annual premium* in Wisconsin
$1,919
*Rates reflect full coverage policies.

Estimate your car insurance cost in Wisconsin

Auto insurance is a significant part of the cost of owning a car. You’ll need to buy coverage before you’re legally allowed to drive. While reviewing average rates is helpful, figuring out how much you’ll actually pay can be tricky. Bankrate’s calculator tool can provide a more accurate estimate.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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How to save on car insurance in Wisconsin

Wisconsin drivers looking for ways to save on car insurance 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.

Frequently asked questions

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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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