Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Travelers offers the most affordable car insurance at $1,089 per year.
This guide makes buying car insurance in Wisconsin easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Wisconsin works and how much insurance you need.
- Travelers provides the most affordable annual rates for full coverage car insurance in Wisconsin, costing $1,089 per year.
- In Wisconsin, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Wisconsin costs $365 annually for limits of 25/50/10, while liability-only coverage costs $425 per year for limits of 50/100/50.
- In Wisconsin, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 44%, a DUI raising rates by 75%, and an at-fault accident by up to 53%.
How much is car insurance in Wisconsin?
In Wisconsin, drivers pay an average of $139 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Wisconsin by coverage level
In Wisconsin, the cost of car insurance can vary depending on how much coverage you purchase. Wisconsin drivers need at least the minimum insurance coverage limits of 25/50/10 to legally drive.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Wisconsin, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Wisconsin car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $30 | $365 |
| Liability Only – 50/100/50 BI/PD | $35 | $425 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $139 | $1,664 |
State minimum car insurance in Wisconsin
Wisconsin’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum coverage in Wisconsin costs $365 a year but doesn’t provide much protection for drivers. Wisconsin drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Wisconsin must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Wisconsin
According to CarInsurance.com data, liability-only car insurance costs $425 in Wisconsin for limits 50/100/50.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Wisconsin
On average, premiums for full coverage car insurance in Wisconsin cost $1,664 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Wisconsin
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Wisconsin have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Wisconsin car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Wisconsin by car model
Car insurers in Wisconsin use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Wisconsin.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Wisconsin
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Wisconsin drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,619 annually.
Drivers aged 16-19 pay $4,155 more for car insurance than Wisconsin drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,774 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,553 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,619 annually in Wisconsin.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,613 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Wisconsin
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Wisconsin, a DUI conviction lead to increased rates and you may see a rate hike of up to 75% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Wisconsin, be prepared for your car insurance rates to rise by up to 44% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Wisconsin following driving incidents:
- Speeding ticket: Up to 44% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 53% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Wisconsin for high-risk drivers
In Wisconsin, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,434 |
| Travelers | $1,645 |
| Erie Insurance | $1,770 |
| Nationwide | $2,300 |
| Geico | $2,398 |
| State Farm | $2,787 |
| Farmers | $3,310 |
| Progressive | $3,723 |
| Allstate | $4,078 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Wisconsin
In Wisconsin, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Compare the best car insurance options in Wisconsin by getting quotes from different insurance companies.
In the table below, see an overview of various car insurance companies in Wisconsin, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $319 | $372 | $1,089 |
| Geico | $215 | $250 | $1,195 |
| Nationwide | $337 | $346 | $1,287 |
| Erie Insurance | $207 | $241 | $1,313 |
| West Bend Mutual | $296 | $320 | $1,373 |
| Acuity Insurance | $314 | $352 | $1,933 |
| Progressive | $371 | $433 | $2,128 |
| Farmers | $566 | $782 | $2,139 |
| State Farm | $438 | $519 | $2,378 |
| Allstate | $747 | $816 | $2,515 |
| USAA | $215 | $249 | $984 |
Car insurance rates by city in Wisconsin
Webster is the most expensive city in Wisconsin, with an average car insurance rate of $2,033 a year. Combined Locks is the cheapest city for Wisconsin drivers at an average rate of $1,303 annually.
Car insurance rates vary by city in Wisconsin for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
The table below shows the average annual car insurance premiums for Wisconsin’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $892 |
| Travelers | $1,043 |
| Geico | $1,068 |
| Erie Insurance | $1,173 |
| Nationwide | $1,477 |
| West Bend Insurance Company | $1,494 |
| Progressive | $1,837 |
| Acuity Insurance | $1,901 |
| State Farm | $2,145 |
| Allstate | $2,565 |
| Farmers | $2,568 |
How much does car insurance cost in Wisconsin per month?
Car insurance in Wisconsin costs an average of $139 a month for a full coverage policy with limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $30 |
| Liability Only – 50/100/50 BI/PD | $35 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $139 |
Final thoughts on choosing car insurance in Wisconsin
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Wisconsin. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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