Wisconsin drivers pay an average of $1,186 annually for full coverage and $332 annually for minimum car insurance. Of course, premiums are influenced by a variety of factors, but the big four are which car insurance company you choose, your age, city and driving history. This means that the best Wisconsin car insurance company often varies from one driver to the next.
How much does car insurance cost in Wisconsin?
Your state’s insurance requirements is only one of many factors that influences the amount you pay for car insurance. Other factors that affect Wisconsin auto insurance rates are your age, marital status and the amount of coverage you opt for, but there are a multitude of factors that could have an impact:
- Your city
- Driving history
- Deductible
- Discounts
- Insurance provider
- Marital status
- Credit score
The average cost of car insurance in Wisconsin is $332 per year for minimum coverage and $1,186 per year for full, which is considerably less than the national annual averages of $565 and $1,674 for the same coverage types, respectively. Out of all 50 states, Wisconsin is the sixth cheapest for premiums.
Wisconsin car insurance rates by company
Below are the average car insurance rates in Wisconsin with each major car insurance provider. As rates can vary drastically, shopping around is generally good practice and could help you land the cheapest provider.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| AAA | $235 | $1,184 |
| Acuity | $331 | $1,241 |
| Allstate | $483 | $1,594 |
| American Family | $447 | $901 |
| Auto-Owners | $374 | $1,256 |
| Chubb | $498 | $1,559 |
| Erie | $218 | $922 |
| Farmers | $343 | $1,248 |
| Geico | $227 | $1,031 |
| Hastings Mutual | $349 | $890 |
| MetLife | $552 | $1,879 |
| Pekin | $200 | $862 |
| Penn National | $235 | $1,100 |
| Progressive | $277 | $919 |
| Rockford Mutual | $208 | $946 |
| Rural Mutual | $246 | $1,070 |
| Secura | $304 | $959 |
| Sentry | $518 | $2,020 |
| State Farm | $231 | $785 |
| Travelers | $308 | $886 |
| USAA | $199 | $785 |
| West Bend | $277 | $952 |
| Western National | $218 | $1,541 |
Wisconsin car insurance rates by city
The rates below are the average amounts drivers pay in Wisconsin’s top 20 most populated cities. The table shows how each Wisconsin city compares rate-wise to the state average price for full coverage, which is $1,186 per year.
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Milwaukee | $1,525 | 29% |
| Madison | $1,025 | -14% |
| Appleton | $984 | -17% |
| Kenosha | $1,185 | 0% |
| Green Bay | $972 | -18% |
| Waukesha | $1,054 | -11% |
| Oshkosh | $983 | -17% |
| Eau Claire | $1,041 | -12% |
| Racine | $1,191 | 0% |
| Janesville | $1,005 | -15% |
| Sheboygan | $978 | -18% |
| West Allis | $1,294 | 9% |
| La Crosse | $1,117 | -6% |
| Fond du Lac | $996 | -16% |
| Beloit | $1,029 | -13% |
| West Bend | $1,040 | -12% |
| Wausau | $1,067 | -10% |
| Wauwatosa | $1,374 | 16% |
| Neenah | $973 | -18% |
| Brookfield | $1,048 | -12% |
Wisconsin car insurance rates by age
While not the only factor that determines the cost of a premium, age plays a vital role in underwriting. Wisconsin drivers could expect their premium to be in the ballpark of the amounts below for each age range.
| Age | Average annual premium in Wisconsin |
|---|---|
| Age 16* | $1,701 |
| Age 18 | $3,664 |
| Age 20 | $2,609 |
| Age 25 | $1,506 |
| Age 30 | $1,296 |
| Age 40 | $1,230 |
| Age 50 | $1,130 |
| Age 60 | $1,069 |
| Age 70 | $1,170 |
*16-year-old calculated on parent’s policy disclosure.
Wisconsin car insurance rates by driving record
Generally, a speeding ticket, accident and a DUI will all increase your premium by a significant amount. Furthermore, if you have previous convictions, you may pay considerably more for insurance than someone without any.
| Driving incident | Average annual full coverage premium in Wisconsin | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,407 | 17% |
| Accident | $1,568 | 28% |
| DUI | $2,207 | 60% |
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: Your car insurance provider most likely offers a variety of deductible levels. If you increase your deductible, you will decrease your monthly premium. Just keep in mind that you will receive less of an insurance payout if you get into an accident.
- Drive an older car: Older cars do not cost as much to replace and are typically less to insure. To truly maximize your savings, you may be able to qualify for safety feature discounts (such as air-bag discounts and anti-lock brake discounts).
- 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 it might help to compare the same coverages across companies.
- Compare discounts: Though two companies may offer the same discounts, you may get more savings with one provider over another. To see how much you could save with each discount, you will likely need to speak with an agent to get the bottom line.
Frequently asked questions
Is it difficult to switch car insurance providers?
You can generally switch your car insurance provider in about nine steps. As is usually the case, you will likely want to start the process off by conducting your own research based on your criteria. Insurance experts recommend that new coverage is purchased before your current policy expires. Otherwise, a gap in coverage could lead to increased rates.
Which company offers the cheapest car insurance in Wisconsin?
The cheapest car insurance company in Wisconsin will vary from one person to the next, which is why shopping around helps ensure the best rate. This can also change based on your ZIP code, as there may be more local insurance provider agents in one place versus another. However, on average, Wisconsin drivers tend to find the cheapest premiums with the Erie, USAA, Geico, State Farm and Wisconsin’s Automobile Club.
How much is car insurance in Wisconsin per month?
Car insurance expenses are going to vary from person to person. However, if we work off the average amounts drivers pay — $1,186 per year for full coverage and $332 per year for minimum coverage — then costs are:
- $98.83 per month on average for full coverage
- $27.67 per month on average for minimum coverage
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Share