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 2024
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.
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 $1,839 per year for full coverage and $435 per year for minimum coverage, whereas drivers nationwide pay an average of $2,388 and $664, 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 $1,839 for full coverage and $435 for minimum coverage.
- Wisconsin drivers pay 12 percent less for full coverage and 16 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 92 percent more, while a speeding ticket increases average premiums by 20 percent more.
What would you like to do today?
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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Menomonee Falls | $1,642 | -11% |
| Sheboygan | $1,512 | -19% |
| Mequon | $1,662 | -10% |
| Hartford | $1,657 | -10% |
| Juneau | $1,657 | -10% |
| Watertown | $1,635 | -12% |
| Woodland | $1,695 | -8% |
| Brookfield | $1,650 | -11% |
| Campbellsport | $1,676 | -9% |
| Horicon | $1,650 | -11% |
| Pewaukee | $1,631 | -12% |
| Slinger | $1,606 | -13% |
| Sussex | $1,628 | -12% |
| Cedarburg | $1,610 | -13% |
| Hartland | $1,633 | -12% |
| Nashotah | $1,638 | -12% |
| Newton | $1,613 | -13% |
| Lakewood | $1,933 | +5% |
| Neopit | $1,931 | +5% |
| Townsend | $1,922 | +4% |
| Algoma | $1,717 | -7% |
| Woodman | $1,964 | +7% |
| Arlington | $1,719 | -7% |
| Dalton | $1,927 | +5% |
| Fall River | $1,739 | -6% |
| Markesan | $1,867 | +2% |
| North Freedom | $1,916 | +4% |
| Minong | $2,222 | +19% |
| Oshkosh | $1,499 | -20% |
| Eldorado | $1,634 | -12% |
| Embarrass | $1,889 | +3% |
| Marion | $1,946 | +6% |
| Tisch Mills | $1,880 | +2% |
| Washington Island | $1,674 | -9% |
| Abbotsford | $1,917 | +4% |
| Bryant | $1,918 | +4% |
| Colby | $1,936 | +5% |
| Deerbrook | $1,921 | +4% |
| Junction City | $1,866 | +2% |
| Ogema | $2,100 | +13% |
| Pelican Lake | $1,951 | +6% |
| Port Edwards | $1,839 | +0% |
| Woodford | $1,953 | +6% |
| Madison | $1,604 | -14% |
| Bagley | $1,941 | +5% |
| Bloomington | $1,936 | +5% |
| Kieler | $1,918 | +4% |
| Burnett | $1,645 | -11% |
| Barneveld | $1,958 | +6% |
| Gratiot | $1,926 | +5% |
| Fontana | $1,737 | -6% |
| Lake Geneva | $1,724 | -6% |
| New Munster | $1,788 | -3% |
| North Prairie | $1,651 | -11% |
| Palmyra | $1,658 | -10% |
| Waukesha | $1,648 | -11% |
| Milwaukee | $2,362 | +25% |
| Dousman | $1,652 | -11% |
| Silver Lake | $1,758 | -4% |
| Wausaukee | $2,106 | +14% |
| Egg Harbor | $1,673 | -9% |
| Bristol | $1,793 | -3% |
| Elm Grove | $1,645 | -11% |
| Helenville | $1,648 | -11% |
| New Berlin | $1,672 | -10% |
| Mukwonago | $1,635 | -12% |
| Muskego | $1,644 | -11% |
| Oak Creek | $1,786 | -3% |
| Pleasant Prairie | $1,784 | -3% |
| Zenda | $1,730 | -6% |
| Abrams | $1,812 | -1% |
| Athelstane | $2,115 | +14% |
| Foxboro | $2,175 | +17% |
| Haugen | $2,181 | +17% |
| Iron River | $2,226 | +19% |
| Maple | $2,232 | +19% |
| Rice Lake | $2,153 | +16% |
| Weyerhaeuser | $2,163 | +16% |
| Winter | $2,182 | +17% |
| Fond Du Lac | $1,546 | -17% |
| Racine | $1,799 | -2% |
| Avalon | $1,641 | -11% |
| Beloit | $1,564 | -16% |
| Blue River | $1,975 | +7% |
| Brooklyn | $1,689 | -8% |
| Darlington | $1,933 | +5% |
| Deerfield | $1,523 | -19% |
| New Glarus | $1,866 | +1% |
| Black Creek | $1,715 | -7% |
| Greenleaf | $1,626 | -12% |
| Gresham | $1,913 | +4% |
| Potter | $1,629 | -12% |
| Shiocton | $1,771 | -4% |
| Sobieski | $1,745 | -5% |
| Denmark | $1,642 | -11% |
| Randolph | $1,743 | -5% |
| Roberts | $1,977 | +7% |
| Fence | $2,172 | +17% |
| Lena | $1,863 | +1% |
| Little Chute | $1,472 | -22% |
| Marinette | $1,957 | +6% |
| Mountain | $1,938 | +5% |
| Dunbar | $2,086 | +13% |
| Keshena | $1,907 | +4% |
| Oneida | $1,577 | -15% |
| Porterfield | $2,024 | +10% |
| Pound | $2,065 | +12% |
| Wrightstown | $1,609 | -13% |
| Baileys Harbor | $1,680 | -9% |
| Avoca | $1,990 | +8% |
| Belleville | $1,658 | -10% |
| Footville | $1,584 | -15% |
| Hollandale | $1,976 | +7% |
| Lake Mills | $1,615 | -13% |
| Lowell | $1,661 | -10% |
| Middleton | $1,583 | -15% |
| Oregon | $1,537 | -18% |
| Deer Park | $2,102 | +13% |
| Armstrong Creek | $2,153 | +16% |
| De Pere | $1,501 | -20% |
| Florence | $2,164 | +16% |
| Goodman | $2,085 | +13% |
| Kimberly | $1,470 | -22% |
| Niagara | $2,091 | +13% |
| Brussels | $1,738 | -6% |
| Casco | $1,753 | -5% |
| Little Suamico | $1,780 | -3% |
| Pulaski | $1,739 | -6% |
| Suring | $1,915 | +4% |
| Tilleda | $1,923 | +4% |
| Ripon | $1,658 | -10% |
| Wautoma | $1,936 | +5% |
| Burlington | $1,646 | -11% |
| Rothschild | $1,628 | -12% |
| Schofield | $1,642 | -11% |
| Stratford | $1,856 | +1% |
| Tigerton | $2,007 | +9% |
| Willard | $2,022 | +10% |
| Wisconsin Rapids | $1,839 | +0% |
| Heafford Junction | $2,155 | +16% |
| Phillips | $2,072 | +12% |
| Blair | $2,084 | +13% |
| Camp Douglas | $1,975 | +7% |
| Wonewoc | $1,998 | +8% |
| Amery | $2,197 | +18% |
| New Richmond | $2,035 | +10% |
| Woodville | $2,028 | +10% |
| Bonduel | $1,816 | -1% |
| Coleman | $2,052 | +11% |
| Kaukauna | $1,481 | -22% |
| Shawano | $1,814 | -1% |
| Green Bay | $1,505 | -20% |
| Amherst | $1,898 | +3% |
| Antigo | $1,883 | +2% |
| Auburndale | $1,824 | -1% |
| Bowler | $1,960 | +6% |
| Edgar | $1,859 | +1% |
| Elcho | $1,952 | +6% |
| Gilman | $2,123 | +14% |
| Hatley | $1,922 | +4% |
| Hewitt | $1,814 | -1% |
| Pearson | $1,948 | +6% |
| Baldwin | $2,004 | +9% |
| Drummond | $2,255 | +20% |
| Frederic | $2,243 | +20% |
| Ladysmith | $2,156 | +16% |
| Lake Nebagamon | $2,235 | +19% |
| Solon Springs | $2,226 | +19% |
| Bear Creek | $1,874 | +2% |
| Plainfield | $1,928 | +5% |
| Poy Sippi | $1,939 | +5% |
| Redgranite | $1,933 | +5% |
| Spencer | $1,861 | +1% |
| Stetsonville | $2,003 | +9% |
| Wittenberg | $1,996 | +8% |
| Butternut | $2,177 | +17% |
| Crandon | $2,140 | +15% |
| Gile | $2,153 | +16% |
| Minocqua | $1,888 | +3% |
| Park Falls | $2,063 | +12% |
| Saint Germain | $2,134 | +15% |
| La Crosse | $1,740 | -5% |
| Cudahy | $1,958 | +6% |
| Delavan | $1,704 | -8% |
| East Troy | $1,716 | -7% |
| Twin Lakes | $1,735 | -6% |
| Walworth | $1,706 | -7% |
| Williams Bay | $1,722 | -7% |
| Darien | $1,636 | -12% |
| Eagle | $1,640 | -11% |
| Genesee Depot | $1,677 | -9% |
| Kenosha | $1,822 | -1% |
| Waterford | $1,643 | -11% |
| Woodworth | $1,814 | -1% |
| Janesville | $1,543 | -17% |
| Merrimac | $1,900 | +3% |
| Sextonville | $2,005 | +9% |
| South Wayne | $1,923 | +4% |
| Manitowoc | $1,594 | -14% |
| Whitelaw | $1,630 | -12% |
| Galloway | $2,158 | +16% |
| Loyal | $1,988 | +8% |
| Merrill | $1,851 | +1% |
| Plover | $1,810 | -2% |
| Ringle | $1,845 | +0% |
| Eagle River | $2,146 | +15% |
| Hawkins | $2,139 | +15% |
| Kennan | $2,093 | +13% |
| Mercer | $2,156 | +16% |
| Woodruff | $2,024 | +10% |
| Cataract | $1,983 | +8% |
| Platteville | $1,899 | +3% |
| Mauston | $1,973 | +7% |
| East Ellsworth | $2,111 | +14% |
| Ellsworth | $2,017 | +9% |
| Hager City | $2,016 | +9% |
| Hudson | $1,975 | +7% |
| Hilbert | $1,612 | -13% |
| Pembine | $2,098 | +13% |
| Sun Prairie | $1,533 | -18% |
| Hazel Green | $1,893 | +3% |
| Cazenovia | $2,052 | +11% |
| Pardeeville | $1,775 | -4% |
| Union Center | $1,996 | +8% |
| Wisconsin Dells | $1,891 | +3% |
| Hammond | $1,987 | +8% |
| Brantwood | $2,093 | +13% |
| Long Lake | $2,149 | +16% |
| Three Lakes | $1,928 | +5% |
| Arkdale | $1,958 | +6% |
| Bangor | $1,906 | +4% |
| Dodge | $2,027 | +10% |
| La Farge | $2,064 | +12% |
| Wilmot | $1,750 | -5% |
| Combined Locks | $1,469 | -22% |
| Oconto Falls | $1,834 | -0% |
| Zachow | $1,834 | -0% |
| Cross Plains | $1,545 | -17% |
| Brandon | $1,643 | -11% |
| Loganville | $1,992 | +8% |
| New Lisbon | $1,987 | +8% |
| Boscobel | $1,988 | +8% |
| Sinsinawa | $1,939 | +5% |
| Stitzer | $1,934 | +5% |
| Portage | $1,766 | -4% |
| Cambria | $1,802 | -2% |
| Dellwood | $1,974 | +7% |
| Fennimore | $1,939 | +5% |
| Wauzeka | $2,007 | +9% |
| Eden | $1,647 | -11% |
| Fredonia | $1,643 | -11% |
| Johnson Creek | $1,612 | -13% |
| Kewaskum | $1,649 | -11% |
| Mayville | $1,660 | -10% |
| Argyle | $1,939 | +5% |
| Belmont | $1,901 | +3% |
| Black Earth | $1,606 | -13% |
| Cottage Grove | $1,524 | -19% |
| Valders | $1,614 | -13% |
| Birnamwood | $2,004 | +9% |
| Rudolph | $1,830 | -0% |
| Summit Lake | $1,938 | +5% |
| Tomahawk | $1,899 | +3% |
| Westboro | $2,053 | +11% |
| Hurley | $2,138 | +15% |
| Waupaca | $1,927 | +5% |
| Muscoda | $2,007 | +9% |
| Spring Green | $1,961 | +6% |
| Dodgeville | $1,925 | +5% |
| Benet Lake | $1,806 | -2% |
| Franklin | $1,778 | -3% |
| Big Bend | $1,625 | -12% |
| Rio | $1,756 | -5% |
| Rock Springs | $1,961 | +6% |
| Forest Junction | $1,603 | -14% |
| Green Valley | $1,931 | +5% |
| Peshtigo | $1,994 | +8% |
| Beldenville | $2,057 | +11% |
| Prescott | $1,984 | +8% |
| River Falls | $1,949 | +6% |
| Nichols | $1,699 | -8% |
| Oconto | $1,849 | +1% |
| Seymour | $1,688 | -9% |
| Sherwood | $1,549 | -17% |
| Suamico | $1,576 | -15% |
| Saint Nazianz | $1,633 | -12% |
| Babcock | $1,957 | +6% |
| Custer | $1,901 | +3% |
| Dorchester | $1,978 | +7% |
| Irma | $1,912 | +4% |
| Owen | $1,989 | +8% |
| Juda | $1,765 | -4% |
| Milton | $1,643 | -11% |
| Mineral Point | $1,944 | +6% |
| Sharon | $1,703 | -8% |
| Waterloo | $1,626 | -12% |
| Collins | $1,638 | -12% |
| Stevens Point | $1,788 | -3% |
| Catawba | $2,101 | +13% |
| Glidden | $2,178 | +17% |
| Hazelhurst | $1,915 | +4% |
| Montreal | $2,141 | +15% |
| Eastman | $2,009 | +9% |
| Gays Mills | $2,067 | +12% |
| Waukau | $1,704 | -8% |
| Francis Creek | $1,620 | -13% |
| Marshfield | $1,801 | -2% |
| Gleason | $1,919 | +4% |
| Marathon | $1,811 | -2% |
| Nelsonville | $1,967 | +7% |
| Wausau | $1,648 | -11% |
| Eland | $1,969 | +7% |
| Jump River | $2,287 | +22% |
| Medford | $2,040 | +10% |
| New Holstein | $1,624 | -12% |
| Plymouth | $1,584 | -15% |
| Saukville | $1,602 | -14% |
| Millston | $1,990 | +8% |
| Taylor | $2,014 | +9% |
| Altoona | $1,622 | -13% |
| Boyceville | $2,115 | +14% |
| Chetek | $2,171 | +17% |
| Fall Creek | $1,945 | +6% |
| Gilmanton | $2,082 | +12% |
| Chippewa Falls | $1,619 | -13% |
| Cameron | $2,158 | +16% |
| Centuria | $2,207 | +18% |
| Waunakee | $1,509 | -20% |
| Benton | $1,903 | +3% |
| Cassville | $1,936 | +5% |
| Cuba City | $1,883 | +2% |
| Beaver Dam | $1,645 | -11% |
| Friendship | $1,952 | +6% |
| Lime Ridge | $2,037 | +10% |
| Shell Lake | $2,231 | +19% |
| Superior | $2,021 | +9% |
| Turtle Lake | $2,168 | +16% |
| Berlin | $1,888 | +3% |
| Butte Des Morts | $1,688 | -9% |
| Coloma | $1,949 | +6% |
| Downsville | $2,094 | +13% |
| Elk Mound | $1,975 | +7% |
| Mondovi | $2,094 | +13% |
| Pigeon Falls | $2,060 | +11% |
| Thorp | $2,016 | +9% |
| Almena | $2,156 | +16% |
| Ontario | $2,018 | +9% |
| Rockland | $1,931 | +5% |
| Steuben | $2,028 | +10% |
| Eau Claire | $1,628 | -12% |
| Bloomer | $2,022 | +10% |
| Dallas | $2,195 | +18% |
| Elmwood | $2,099 | +13% |
| Forestville | $1,731 | -6% |
| Kewaunee | $1,717 | -7% |
| Mishicot | $1,633 | -12% |
| Sister Bay | $1,671 | -10% |
| Aniwa | $1,925 | +5% |
| Elton | $1,936 | +5% |
| Afton | $1,598 | -14% |
| Albany | $1,849 | +1% |
| Evansville | $1,739 | -6% |
| Linden | $1,938 | +5% |
| Livingston | $1,925 | +5% |
| Reeseville | $1,663 | -10% |
| Rewey | $1,943 | +6% |
| Sauk City | $1,761 | -4% |
| Shullsburg | $1,915 | +4% |
| Caledonia | $1,738 | -6% |
| Hales Corners | $1,774 | -4% |
| Baraboo | $1,893 | +3% |
| Briggsville | $1,942 | +5% |
| Fairwater | $1,668 | -10% |
| Fox Lake | $1,654 | -11% |
| Lake Tomahawk | $1,906 | +4% |
| Land O Lakes | $2,169 | +16% |
| Ferryville | $2,049 | +11% |
| Holmen | $1,761 | -4% |
| Kendall | $1,982 | +8% |
| Blanchardville | $1,971 | +7% |
| Fort Atkinson | $1,609 | -13% |
| Jefferson | $1,605 | -14% |
| Mount Horeb | $1,627 | -12% |
| Pickerel | $2,014 | +9% |
| Star Prairie | $2,193 | +18% |
| Houlton | $1,999 | +8% |
| Amberg | $2,095 | +13% |
| Crivitz | $2,088 | +13% |
| Gillett | $1,869 | +2% |
| Krakow | $1,843 | +0% |
| Clyman | $1,645 | -11% |
| Hustisford | $1,664 | -10% |
| Malone | $1,604 | -14% |
| Tunnel City | $1,980 | +7% |
| Conrath | $2,203 | +18% |
| Durand | $2,101 | +13% |
| Independence | $2,088 | +13% |
| Bruce | $2,192 | +18% |
| Cable | $2,248 | +20% |
| Comstock | $2,177 | +17% |
| Cornucopia | $2,150 | +16% |
| Rosendale | $1,634 | -12% |
| Fish Creek | $1,674 | -9% |
| New Franken | $1,622 | -13% |
| Cedar Grove | $1,585 | -15% |
| Iron Ridge | $1,663 | -10% |
| Kohler | $1,520 | -19% |
| Lomira | $1,630 | -12% |
| Oostburg | $1,511 | -20% |
| Random Lake | $1,635 | -12% |
| Theresa | $1,637 | -12% |
| Franksville | $1,726 | -6% |
| Greendale | $1,798 | -2% |
| Salem | $1,791 | -3% |
| Readstown | $2,056 | +11% |
| Stoddard | $1,973 | +7% |
| Bay City | $2,067 | +12% |
| Colfax | $2,072 | +12% |
| Downing | $2,139 | +15% |
| Eau Galle | $2,101 | +13% |
| Eleva | $2,042 | +10% |
| Fairchild | $2,036 | +10% |
| Prairie Farm | $2,219 | +19% |
| Whitehall | $2,049 | +11% |
| Brill | $2,348 | +24% |
| Kellnersville | $1,647 | -11% |
| Arpin | $1,860 | +1% |
| Lancaster | $1,907 | +4% |
| Doylestown | $1,754 | -5% |
| Grand Marsh | $1,979 | +7% |
| La Valle | $2,006 | +9% |
| Lyndon Station | $1,975 | +7% |
| Montello | $1,974 | +7% |
| Oxford | $2,003 | +9% |
| Edgerton | $1,662 | -10% |
| Sayner | $2,156 | +16% |
| Alma | $2,105 | +14% |
| Cashton | $1,986 | +8% |
| Adell | $1,662 | -10% |
| Belgium | $1,617 | -13% |
| Chilton | $1,611 | -13% |
| Delafield | $1,619 | -13% |
| Elkhart Lake | $1,608 | -13% |
| Mount Calvary | $1,629 | -12% |
| Sheboygan Falls | $1,508 | -20% |
| Exeland | $2,204 | +18% |
| Hertel | $2,262 | +21% |
| Milltown | $2,201 | +18% |
| Ojibwa | $2,192 | +18% |
| South Range | $2,131 | +15% |
| Trego | $2,223 | +19% |
| Caroline | $1,970 | +7% |
| Hancock | $1,950 | +6% |
| Withee | $2,011 | +9% |
| Rhinelander | $1,883 | +2% |
| Glen Flora | $2,182 | +17% |
| Iron Belt | $2,164 | +16% |
| Tony | $2,154 | +16% |
| Fountain City | $2,033 | +10% |
| Galesville | $1,986 | +8% |
| Genoa | $2,015 | +9% |
| Reedsburg | $1,950 | +6% |
| Clayton | $2,193 | +18% |
| Cushing | $2,213 | +18% |
| Westfield | $1,980 | +7% |
| Clear Lake | $2,170 | +17% |
| Glenwood City | $2,094 | +13% |
| Osceola | $2,187 | +17% |
| Somerset | $2,054 | +11% |
| Brillion | $1,613 | -13% |
| Cecil | $1,830 | -0% |
| Unity | $1,883 | +2% |
| Fifield | $2,071 | +12% |
| Laona | $2,163 | +16% |
| Manitowish Waters | $2,151 | +16% |
| Presque Isle | $2,168 | +16% |
| Verona | $1,573 | -16% |
| Mount Sterling | $2,033 | +10% |
| Sparta | $1,905 | +4% |
| Plum City | $2,108 | +14% |
| Ridgeland | $2,145 | +15% |
| Strum | $2,075 | +12% |
| Spooner | $2,229 | +19% |
| Poplar | $2,154 | +16% |
| Almond | $1,925 | +5% |
| Bancroft | $1,902 | +3% |
| Clintonville | $1,894 | +3% |
| Ogdensburg | $1,992 | +8% |
| Cascade | $1,655 | -11% |
| Grafton | $1,606 | -14% |
| Oakfield | $1,632 | -12% |
| Oconomowoc | $1,618 | -13% |
| Port Washington | $1,590 | -15% |
| West Bend | $1,615 | -13% |
| Thiensville | $1,699 | -8% |
| Blue Mounds | $1,648 | -11% |
| High Bridge | $2,178 | +17% |
| Mikana | $2,225 | +19% |
| Radisson | $2,203 | +18% |
| Siren | $2,219 | +19% |
| Appleton | $1,497 | -20% |
| Green Lake | $1,832 | -0% |
| Hortonville | $1,673 | -9% |
| Iola | $1,983 | +8% |
| Larsen | $1,656 | -10% |
| Menasha | $1,482 | -21% |
| Neshkoro | $1,958 | +6% |
| Orfordville | $1,715 | -7% |
| Plain | $2,003 | +9% |
| Prairie Du Sac | $1,822 | -1% |
| Boulder Junction | $2,133 | +15% |
| Brownsville | $1,630 | -12% |
| Butler | $1,724 | -6% |
| Germantown | $1,661 | -10% |
| Kiel | $1,629 | -12% |
| North Lake | $1,674 | -9% |
| Browntown | $1,843 | +0% |
| Cambridge | $1,525 | -19% |
| Brodhead | $1,766 | -4% |
| Gotham | $2,001 | +8% |
| Upson | $2,166 | +16% |
| Cochrane | $2,050 | +11% |
| Hustler | $2,006 | +9% |
| Chili | $1,939 | +5% |
| Rosholt | $1,957 | +6% |
| Cobb | $1,932 | +5% |
| Hanover | $1,615 | -13% |
| Lone Rock | $2,001 | +8% |
| Montfort | $1,929 | +5% |
| Stoughton | $1,522 | -19% |
| Reedsville | $1,653 | -11% |
| Amherst Junction | $1,941 | +5% |
| Athens | $1,904 | +3% |
| Blenker | $1,901 | +3% |
| Curtiss | $1,974 | +7% |
| Hannibal | $2,206 | +18% |
| Lublin | $2,059 | +11% |
| Mattoon | $1,973 | +7% |
| Neillsville | $1,978 | +7% |
| Highland | $1,958 | +6% |
| Lodi | $1,722 | -7% |
| Marshall | $1,531 | -18% |
| Monroe | $1,796 | -2% |
| Morrisonville | $1,584 | -15% |
| Ixonia | $1,645 | -11% |
| Neosho | $1,670 | -10% |
| Bassett | $1,765 | -4% |
| Hillsboro | $2,058 | +11% |
| Windsor | $1,512 | -19% |
| Conover | $2,152 | +16% |
| Harshaw | $1,925 | +5% |
| Star Lake | $2,192 | +18% |
| Arcadia | $2,020 | +9% |
| Black River Falls | $1,972 | +7% |
| Ettrick | $2,063 | +12% |
| Hixton | $2,006 | +9% |
| Wales | $1,615 | -13% |
| Whitewater | $1,648 | -11% |
| Dickeyville | $1,902 | +3% |
| Potosi | $1,921 | +4% |
| Prairie Du Chien | $1,940 | +5% |
| White Lake | $1,939 | +5% |
| Mellen | $2,163 | +16% |
| Phelps | $2,149 | +16% |
| Mount Hope | $1,948 | +6% |
| Adams | $1,956 | +6% |
| Columbus | $1,698 | -8% |
| Endeavor | $1,961 | +6% |
| Hillpoint | $2,003 | +9% |
| Van Dyne | $1,555 | -17% |
| Wild Rose | $1,929 | +5% |
| Winnebago | $1,545 | -17% |
| Allenton | $1,615 | -13% |
| Cleveland | $1,597 | -14% |
| Jackson | $1,643 | -11% |
| Saint Cloud | $1,641 | -11% |
| Arena | $1,957 | +6% |
| De Forest | $1,499 | -20% |
| Edmund | $1,952 | +6% |
| Clinton | $1,639 | -11% |
| Dane | $1,581 | -15% |
| Mc Farland | $1,536 | -18% |
| Mazomanie | $1,624 | -12% |
| Monticello | $1,854 | +1% |
| Richland Center | $2,009 | +9% |
| Waupun | $1,644 | -11% |
| Dresser | $2,193 | +18% |
| Saint Croix Falls | $2,204 | +18% |
| Wilson | $2,063 | +11% |
| Mindoro | $1,953 | +6% |
| Wilton | $1,989 | +8% |
| Arkansaw | $2,128 | +15% |
| Sheldon | $2,212 | +18% |
| Ashland | $2,119 | +14% |
| Gordon | $2,273 | +21% |
| La Pointe | $2,124 | +14% |
| Odanah | $2,136 | +15% |
| Washburn | $2,125 | +14% |
| Neenah | $1,492 | -21% |
| Sullivan | $1,647 | -11% |
| Trevor | $1,754 | -5% |
| Colgate | $1,602 | -14% |
| Glenbeulah | $1,643 | -11% |
| Hubertus | $1,622 | -13% |
| Lannon | $1,633 | -12% |
| Okauchee | $1,652 | -11% |
| Richfield | $1,610 | -13% |
| Rubicon | $1,673 | -9% |
| Waldo | $1,602 | -14% |
| Saint Francis | $2,020 | +9% |
| Elkhorn | $1,707 | -7% |
| Genoa City | $1,740 | -6% |
| South Milwaukee | $1,840 | +0% |
| Union Grove | $1,709 | -7% |
| Winneconne | $1,697 | -8% |
| Weyauwega | $1,937 | +5% |
| Grantsburg | $2,218 | +19% |
| Marengo | $2,172 | +17% |
| Stone Lake | $2,196 | +18% |
| Webster | $2,246 | +20% |
| Manawa | $1,963 | +7% |
| New London | $1,879 | +2% |
| Soldiers Grove | $2,062 | +11% |
| Trempealeau | $1,991 | +8% |
| Cadott | $2,041 | +10% |
| Maiden Rock | $2,090 | +13% |
| Nelson | $2,118 | +14% |
| New Auburn | $2,155 | +16% |
| Birchwood | $2,194 | +18% |
| Couderay | $2,187 | +17% |
| Viola | $2,051 | +11% |
| Westby | $2,020 | +9% |
| Cornell | $2,120 | +14% |
| Holcombe | $2,196 | +18% |
| Osseo | $2,052 | +11% |
| Wheeler | $2,142 | +15% |
| Barron | $2,172 | +17% |
| Necedah | $1,995 | +8% |
| Norwalk | $1,988 | +8% |
| Onalaska | $1,679 | -9% |
| Warrens | $1,997 | +8% |
| Augusta | $2,027 | +10% |
| Jim Falls | $2,016 | +9% |
| Knapp | $2,100 | +13% |
| Menomonie | $1,999 | +8% |
| Spring Valley | $2,076 | +12% |
| Stanley | $2,100 | +13% |
| Stockholm | $2,129 | +15% |
| Bayfield | $2,151 | +16% |
| Benoit | $2,200 | +18% |
| Ridgeway | $1,959 | +6% |
| Ellison Bay | $1,680 | -9% |
| Luxemburg | $1,717 | -7% |
| Sturgeon Bay | $1,672 | -10% |
| Milladore | $1,868 | +2% |
| Nekoosa | $1,916 | +4% |
| Mason | $2,237 | +20% |
| Springbrook | $2,220 | +19% |
| King | $1,969 | +7% |
| Leopolis | $1,904 | +4% |
| Pickett | $1,650 | -11% |
| Pine River | $1,933 | +5% |
| Readfield | $1,892 | +3% |
| Kansasville | $1,674 | -9% |
| Sturtevant | $1,770 | -4% |
| Scandinavia | $1,977 | +7% |
| Cumberland | $2,184 | +17% |
| Danbury | $2,220 | +19% |
| Hayward | $2,192 | +18% |
| Port Wing | $2,220 | +19% |
| Fremont | $1,860 | +1% |
| Mather | $2,021 | +9% |
| Viroqua | $2,025 | +10% |
| West Salem | $1,734 | -6% |
| Boyd | $2,091 | +13% |
| Barronett | $2,205 | +18% |
| Brule | $2,223 | +19% |
| Ephraim | $1,679 | -9% |
| Maplewood | $1,926 | +5% |
| Maribel | $1,647 | -11% |
| Two Rivers | $1,601 | -14% |
| Brokaw | $1,750 | -5% |
| Granton | $1,962 | +6% |
| Greenwood | $1,992 | +8% |
| Mosinee | $1,828 | -1% |
| Phlox | $1,907 | +4% |
| Pittsville | $1,941 | +5% |
| Rib Lake | $2,039 | +10% |
| Vesper | $1,897 | +3% |
| Argonne | $2,147 | +15% |
| Clam Lake | $2,240 | +20% |
| Lac Du Flambeau | $2,127 | +15% |
| Mc Naughton | $1,894 | +3% |
| Prentice | $2,105 | +14% |
| Alma Center | $1,991 | +8% |
| Coon Valley | $1,898 | +3% |
| De Soto | $2,023 | +10% |
| Saxon | $2,162 | +16% |
| Tripoli | $1,957 | +6% |
| Wabeno | $2,156 | +16% |
| Chaseburg | $2,023 | +10% |
| Glen Haven | $1,935 | +5% |
| Elroy | $1,994 | +8% |
| Poynette | $1,738 | -6% |
| Friesland | $1,818 | -1% |
| Melrose | $2,023 | +10% |
| Tomah | $1,909 | +4% |
| Humbird | $2,026 | +10% |
| Merrillan | $2,008 | +9% |
| Pepin | $2,138 | +15% |
| Balsam Lake | $2,216 | +19% |
| Grand View | $2,239 | +20% |
| Herbster | $2,205 | +18% |
| Luck | $2,222 | +19% |
| Sarona | $2,213 | +18% |
| Greenville | $1,595 | -14% |
| Omro | $1,639 | -11% |
| Princeton | $1,904 | +4% |
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
$3,901
|
Average minimum coverage premium in Wisconsin
$1,040
|
|
Age 18
|
Average annual full coverage premium in Wisconsin
$5,733
|
Average minimum coverage premium in Wisconsin
$1,509
|
|
Age 20
|
Average annual full coverage premium in Wisconsin
$4,372
|
Average minimum coverage premium in Wisconsin
$1,041
|
|
Age 25
|
Average annual full coverage premium in Wisconsin
$2,407
|
Average minimum coverage premium in Wisconsin
$555
|
|
Age 30
|
Average annual full coverage premium in Wisconsin
$1,981
|
Average minimum coverage premium in Wisconsin
$449
|
|
Age 40
|
Average annual full coverage premium in Wisconsin
$1,855
|
Average minimum coverage premium in Wisconsin
$432
|
|
Age 50
|
Average annual full coverage premium in Wisconsin
$1,699
|
Average minimum coverage premium in Wisconsin
$403
|
|
Age 60
|
Average annual full coverage premium in Wisconsin
$1,626
|
Average minimum coverage premium in Wisconsin
$398
|
|
Age 70
|
Average annual full coverage premium in Wisconsin
$1,779
|
Average minimum coverage premium in Wisconsin
$461
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in AL
$4,383
|
Average minimum coverage premium in AL
$1,440
|
|
Age 18
|
Average annual full coverage premium in AL
$6,078
|
Average minimum coverage premium in AL
$1,845
|
|
Age 20
|
Average annual full coverage premium in AL
$3,902
|
Average minimum coverage premium in AL
$1,146
|
|
Age 25
|
Average annual full coverage premium in AL
$2,700
|
Average minimum coverage premium in AL
$755
|
|
Age 30
|
Average annual full coverage premium in AL
$2,211
|
Average minimum coverage premium in AL
$588
|
|
Age 40
|
Average annual full coverage premium in AL
$2,096
|
Average minimum coverage premium in AL
$565
|
|
Age 50
|
Average annual full coverage premium in AL
$1,837
|
Average minimum coverage premium in AL
$525
|
|
Age 60
|
Average annual full coverage premium in AL
$1,848
|
Average minimum coverage premium in AL
$521
|
|
Age 70
|
Average annual full coverage premium in AL
$2,021
|
Average minimum coverage premium in AL
$603
|
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.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in Wisconsin
$3,747
|
|
Age 17
|
Avg. annual premium for drivers in Wisconsin
$3,507
|
|
Age 18
|
Avg. annual premium for drivers in Wisconsin
$3,203
|
|
Age 19
|
Avg. annual premium for drivers in Wisconsin
$2,893
|
|
Age 20
|
Avg. annual premium for drivers in Wisconsin
$2,749
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in Wisconsin
$5,561
|
|
Age 19
|
Avg. annual premium for drivers in Wisconsin
$4,559
|
|
Age 20
|
Avg. annual premium for drivers in Wisconsin
$4,114
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 74 percent more |
| Age 19 | 58 percent more |
| Age 20 | 50 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
$1,839
|
Percentage increase from Wisconsin avg. annual premium*
0%
|
|
Avg. annual premium* in Wisconsin
$2,212
|
Percentage increase from Wisconsin avg. annual premium*
20%
|
|
|
Avg. annual premium* in Wisconsin
$2,577
|
Percentage increase from Wisconsin avg. annual premium*
40%
|
|
|
Avg. annual premium* in Wisconsin
$3,538
|
Percentage increase from Wisconsin avg. annual premium*
92%
|
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
$3,334
|
Percentage change from Wisconsin average annual premium*
81%
|
|
|
Average
|
Avg. annual premium* in Wisconsin
$2,033
|
Percentage change from Wisconsin average annual premium*
11%
|
|
Avg. annual premium* in Wisconsin
$1,839
|
Percentage change from Wisconsin average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in Wisconsin
$1,537
|
Percentage change from Wisconsin average annual premium*
-16%
|
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
$1,839
|
|
|
Avg. annual premium* in Wisconsin
$1,725
|
|
|
Avg. annual premium* in Wisconsin
$1,542
|
|
|
BMW 330i
|
Avg. annual premium* in Wisconsin
$2,239
|
|
Toyota Prius
|
Avg. annual premium* in Wisconsin
$1,888
|
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.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?
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.
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
Methodology
Bankrate utilizes Quadrant Information Services to analyze October 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:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.