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Average cost of car insurance in Wisconsin for 2025

Updated Jul 01, 2025
The average annual cost of Wisconsin car insurance is $1,921 for full coverage and $454 for minimum coverage.
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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.

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How much is car insurance in Wisconsin? 

If you need to insure a car in Wisconsin, you're in for some good news. Rates in the state tend to be noticeably lower than the national average. Based on our analysis of Quadrant Information Services data, Wisconsin drivers typically pay around $1,921 annually for full coverage and $454 for minimum coverage. To put that in perspective, that's well below the national averages of $2,677 and $807 respectively.

Wisconsin's cheaper rates stem partly from its relatively uncrowded roads and spread-out population, which generally means fewer accidents and claims. Of course, your individual premium will depend on several factors specific to you and your vehicle. Everything from your driving record and credit history to the type of car you drive and where you live in the state can impact what you'll pay. The Bankrate team will help break down these factors and explore how you can find the most affordable coverage for your situation.

Key takeaways

  • The average annual cost of insurance in the Badger State is $1,921 for full coverage and $454 for minimum coverage.
  • Wisconsin drivers pay 19 percent less for full coverage and 32 percent less for minimum coverage compared to the national average.
  • Drivers living in Milwaukee pay an average of 29 percent more, while those in Waukesha pay 9 percent less than the state average.
  • Being convicted of a DUI in Wisconsin increases the average driver’s rate by 106 percent more, while a speeding ticket increases average premiums by 20 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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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

Your age and gender can significantly impact your cost of auto insurance in WI. Young drivers (especially teens and young adults starting their own policy) typically face the steepest rates. It's simply a numbers game: less experience behind the wheel often means insurers take on more risk to supply you coverage. By contrast, drivers in their 40s through 70s usually enjoy much friendlier premiums, having proven themselves as lower-risk customers over years of driving.

Gender plays its part, too. Male drivers, particularly young ones, tend to pay more than women of the same age. Insurance companies base this on decades of data showing that men are more likely to take risks on the road. Given how these factors affect pricing, it's worth exploring multiple insurers to find one that views your particular age and gender combination most favorably.

Age 16*
Average annual full coverage premium in Wisconsin
$4,089
Average minimum coverage premium in Wisconsin
$1,078
Age 18
Average annual full coverage premium in Wisconsin
$6,507
Average minimum coverage premium in Wisconsin
$1,567
Age 20
Average annual full coverage premium in Wisconsin
$4,562
Average minimum coverage premium in Wisconsin
$1,072
Age 25
Average annual full coverage premium in Wisconsin
$2,488
Average minimum coverage premium in Wisconsin
$579
Age 30
Average annual full coverage premium in Wisconsin
$2,082
Average minimum coverage premium in Wisconsin
$473
Age 40
Average annual full coverage premium in Wisconsin
$1,941
Average minimum coverage premium in Wisconsin
$450
Age 50
Average annual full coverage premium in Wisconsin
$1,788
Average minimum coverage premium in Wisconsin
$426
Age 60
Average annual full coverage premium in Wisconsin
$1,713
Average minimum coverage premium in Wisconsin
$421
Age 70
Average annual full coverage premium in Wisconsin
$1,855
Average minimum coverage premium in Wisconsin
$481
Age 40
Average annual full coverage premium in Wisconsin
$1,941
Average minimum coverage premium in Wisconsin
$450
Age 50
Average annual full coverage premium in Wisconsin
$1,788
Average minimum coverage premium in Wisconsin
$426
Age 60
Average annual full coverage premium in Wisconsin
$1,713
Average minimum coverage premium in Wisconsin
$421
Age 70
Average annual full coverage premium in Wisconsin
$1,855
Average minimum coverage premium in Wisconsin
$481
*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
$4,265
Average minimum coverage premium in AL
$1,282
Age 18
Average annual full coverage premium in AL
$5,838
Average minimum coverage premium in AL
$1,639
Age 20
Average annual full coverage premium in AL
$3,855
Average minimum coverage premium in AL
$1,031
Age 25
Average annual full coverage premium in AL
$2,487
Average minimum coverage premium in AL
$635
Age 30
Average annual full coverage premium in AL
$2,182
Average minimum coverage premium in AL
$530
Age 40
Average annual full coverage premium in AL
$2,028
Average minimum coverage premium in AL
$501
Age 50
Average annual full coverage premium in AL
$1,901
Average minimum coverage premium in AL
$476
Age 60
Average annual full coverage premium in AL
$1,821
Average minimum coverage premium in AL
$466
Age 70
Average annual full coverage premium in AL
$1,981
Average minimum coverage premium in AL
$541
Age 40
Average annual full coverage premium in AL
$2,028
Average minimum coverage premium in AL
$501
Age 50
Average annual full coverage premium in AL
$1,901
Average minimum coverage premium in AL
$476
Age 60
Average annual full coverage premium in AL
$1,821
Average minimum coverage premium in AL
$466
Age 70
Average annual full coverage premium in AL
$1,981
Average minimum coverage premium in AL
$541
*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
$3,917
Age 17
Avg. annual premium for drivers in Wisconsin
$3,627
Age 18
Avg. annual premium for drivers in Wisconsin
$3,302
Age 19
Avg. annual premium for drivers in Wisconsin
$2,926
Age 20
Avg. annual premium for drivers in Wisconsin
$2,784
*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
$6,083
Age 19
Avg. annual premium for drivers in Wisconsin
$4,767
Age 20
Avg. annual premium for drivers in Wisconsin
$4,284
*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 84 percent more
Age 19 63 percent more
Age 20 54 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.

The table below shows how various incidents can affect Wisconsin's average cost of car insurance compared to maintaining a clean driving record.

Clean driving record
Avg. annual premium* in Wisconsin
$1,921
Percentage increase from Wisconsin avg. annual premium*
0%
Avg. annual premium* in Wisconsin
$2,314
Percentage increase from Wisconsin avg. annual premium*
20%
Avg. annual premium* in Wisconsin
$2,719
Percentage increase from Wisconsin avg. annual premium*
42%
Avg. annual premium* in Wisconsin
$3,951
Percentage increase from Wisconsin avg. annual premium*
106%
*The rates reflected are for full coverage policies.

Car insurance rates in Wisconsin by credit score

Another factor that impacts your cost of car insurance in WI 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
$3,390
Percentage change from Wisconsin average annual premium*
76%
Average
Avg. annual premium* in Wisconsin
$2,099
Percentage change from Wisconsin average annual premium*
9%
Avg. annual premium* in Wisconsin
$1,921
Percentage change from Wisconsin average annual premium*
0%
Excellent
Avg. annual premium* in Wisconsin
$1,651
Percentage change from Wisconsin average annual premium*
-14%
*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
$1,921
Avg. annual premium* in Wisconsin
$1,868
Avg. annual premium* in Wisconsin
$1,712
BMW 330i
Avg. annual premium* in Wisconsin
$2,474
Toyota Prius
Avg. annual premium* in Wisconsin
$2,024
*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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Methodology

How to save on car insurance in Wisconsin

Wisconsin drivers looking for ways to save on car insurance might consider the following strategies:

  • Raise your deductible: A higher deductible typically means lower monthly premiums. One thing to keep in mind here is to be sure you can handle the larger out-of-pocket expense if you need to file a claim.
  • Shop around for quotes: Insurance rates can vary dramatically between companies, even for identical coverage. Spending some time gathering quotes could save you hundreds of dollars a year. Before automatically renewing, ensure your insurer is still providing you with the best policy for the right price.
  • Leverage discounts: Most insurers offer various discounts, from bundling your home and auto policies to going paperless. These savings could really add up. Even if you already have some discounts, check annually. You might qualify for new ones you didn't before.
  • Consider telematics programs: If you're confident in your driving habits or don't rack up many miles, you could look into usage-based insurance programs. These track your driving through an app or device and could lead to savings for safe, low-mileage drivers.
  • Maintain good credit: Your credit score affects your insurance rates in Wisconsin, whether you like it or not. Keeping your credit healthy can help keep your premiums in check.

Frequently asked questions

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze July 2025 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 full coverage limits with bundling and paperless billing discounts applied: 

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor II, Insurance