One of the benefits of living in the Badger State is that car insurance is much less expensive than elsewhere. The average cost of car insurance in Wisconsin is about $442 cheaper than the national average for full coverage policies.
However, Wisconsin has a high percentage of uninsured drivers, so it may be wise to spend a little more to get more coverage to protect yourself and your vehicle.
- The average cost of car insurance in Wisconsin is $1,087 per year for full coverage policies.
- 13.3% of drivers within the state are uninsured.
- Teen drivers pay an average of $3,454 per year for insurance.
- How much does car insurance cost in Wisconsin?
- Average cost of car insurance in Wisconsin by provider
- How does credit score affect car insurance rates in Wisconsin?
- Average car insurance rates for high-risk drivers in Wisconsin
- How does age affect car insurance rates in Wisconsin?
- Wisconsin car insurance rates by city
- WI’s minimum car insurance requirements
- How to save money on car insurance in Wisconsin
- FAQs about car insurance costs in WI
How much does car insurance cost in Wisconsin?
Car insurance in Wisconsin is generally cheaper than it is in the rest of the country. The average cost for full coverage — which includes comprehensive, collision, and liability protection — is $1,087, nearly 29% lower than the national average of $1,529. For state-minimum liability policies, the average is just $383 per year.
|Avg. cost for full coverage||Avg. cost for minimum coverage||Cheapest insurance provider|
|Avg. for young drivers||Avg. cost for seniors||Avg. for high-risk drivers|
Average cost of car insurance in Wisconsin by provider
Many companies offer car insurance in Wisconsin. Besides national insurers like Allstate or Progressive, Wisconsin residents can get coverage through smaller insurers like Erie or West Bend. Sometimes, you may qualify for lower premiums through a smaller company than a big-name insurer.
For example, Erie Insurance issues policies in just 12 states, but it had the lowest average rates for full coverage and state-minimum policies in Wisconsin.
|Provider||Full coverage||Minimum liability coverage|
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How does credit score affect car insurance rates in Wisconsin?
Like other states, Wisconsin’s laws allow insurers to consider driver credit scores when setting their premiums. If you have less-than-stellar credit, you’ll likely pay more for coverage. We found that those with scores below 650 paid more than double the state average.
|Credit health||Avg. annual premium|
Average car insurance rates for high-risk drivers in Wisconsin
If an insurer thinks you’re more likely to be involved in an accident or submit a claim, you’re considered a high-risk driver. As a result, the company will charge you higher premiums.
In Wisconsin, driving under the influence (DUI) convictions, at-fault accidents, and speeding tickets can raise your premiums by $44 to $77.17 per month.
|Violation||Avg. annual premium before violation*||Avg. annual premium after violation||Avg. cost increase|
*Assumes clean driving record with good credit
How does age affect car insurance rates in Wisconsin?
Statistics show teens are more likely to be involved in serious accidents than any other age group. Consequently, car insurance premiums for teens tend to be significantly more expensive than they are for other drivers.
In Wisconsin, the average premium for an 18-year-old driver is $3,808 — over three times higher than the average premium for drivers in their 40s.
|Age||Avg. annual premium|
Wisconsin car insurance rates by city
Areas where crime and vandalism are common tend to have higher premiums than others. In Wisconsin, this effect is especially evident in Milwaukee.
According to NeighborhoodScout, Milwaukee has a crime rating index of one, meaning that 99% of cities in the U.S. are safer. With such a high crime rating, it makes sense that the average premium for Milwaukee residents is about $700 higher than the state average.
|City||Avg. annual full-coverage premium|
WI’s minimum car insurance requirements
Car insurance is a legal requirement in most of the country, including Wisconsin. In Wisconsin, drivers must have insurance that meets the following minimums:
- $25,000 of bodily injury protection for one person
- $50,000 of bodily injury protection for two or more people
- $10,000 in property damage
Wisconsin has a higher percentage of uninsured drivers — according to the Insurance Research Council, 13.3% of drivers in the state are uninsured — so the state also requires uninsured motorist protection that matches the above liability requirements.
You may need to purchase a policy with higher liability limits and comprehensive collision insurance to protect yourself and your car.
How to save money on car insurance in Wisconsin
To save money on your car insurance in Wisconsin, follow these tips:
- Lower your coverage limits: If you have an older, paid-off vehicle, you can save money by reducing your comprehensive and collision limits or purchasing a liability-only policy. Just be sure you can comfortably afford to repair or replace your vehicle if you’re in an accident before canceling the other coverages.
- Increase your deductible: If you have an emergency fund, you may be able to save more money by increasing your deductible. By raising it from $500 to $1,000, for example, you could lower your premiums.
- Talk to your agent: If your insurance is too expensive, contact your agent and explain your situation. The agent may be able to identify different ways to save money, such as completing a safe driving course or taking advantage of paperless billing discounts.
- Enroll in a usage-based insurance (UBI) policy: UBI, also known as pay-per-mile coverage, bases your premiums on how much and how safely you drive. So if you are a safe driver, you could potentially save a significant amount of money. In Wisconsin, insurers like Allstate, Progressive, and State Farm offer UBI coverage.
- Check other options: Whether you’ve never had insurance before or have had the same insurer for a while, it’s wise to shop around. Rates vary by insurer, so request quotes from the best car insurance companies to find the lowest rates.
Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in WI
Is car insurance expensive in WI?
Car insurance in Wisconsin is fairly inexpensive. You can get a full coverage policy for just $1,087 per year, which is about $442 lower than the national average. And state-minimum coverage averages just $383 per year.
How much is car insurance per month in WI?
The average cost of car insurance in Wisconsin is $90.58 per month for full coverage insurance. If you opt for a liability-only policy that meets the state’s minimum requirements, the average cost is $31.92 per month.
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