Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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 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.

Updated Mar 28, 2023
Pay less for auto insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Location-Icon
Lock Secure Your information is secure
Compare quotes from reliable carriers
+ MORE
User
Provide some info to get offers
We only ask for info that can impact your rate so we can share accurate and personalized offers.
Insurance Auto
Select your policy
Compare and move forward with as many offers as you want from a list of trusted carriers.
Congrats
Settle your rate and policy details
Once you’ve decided on a carrier, wrap up the process online or on the phone with a trusted agent. 
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

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
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.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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. 

Estimate your car insurance cost in Wisconsin

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.

Calculate your monthly car insurance payment

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

Caret DownCaret Up
Please select age
Lock Secure Data protected by bank-level security.
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

Frequently asked questions

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X
Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Insurance Editor