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Average Cost of Car Insurance in Wisconsin for 2026

Wisconsin car insurance is relatively affordable, but extra coverage may be worthwhile due to the state's high rate of uninsured drivers.

By Kat Tretina , Edited by Gabriela Walsh

Updated June 5, 2026

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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 $126, compared to the national average of $187 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.

Key takeaways

The average cost of car insurance in Wisconsin is $126 per month for full coverage policies.
13.3% of drivers within the state are uninsured.
Teen drivers pay an average of $228 per month for full coverage policies.

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 $126, compared to the national average of $187. For state-minimum liability policies, the average is just $57 per month.

Avg. cost for full coverage	Avg. cost for liability coverage
$126/month	$57/month

Avg. full coverage cost for teen drivers	Avg. full coverage cost for seniors (60s)	Avg. full coverage cost for drivers with an accident on their record
$228/month	$105/month	$163/month

Average cost of car insurance in Wisconsin by provider

Many companies offer car insurance in Wisconsin. Besides national insurers like Allstate, State Farm, or Liberty Mutual, Wisconsin residents can get coverage through smaller insurers like Auto-Owners or Erie.

It's always best to compare quotes from multiple carriers to find the best policy and rate for your unique situation. Larger insurers often offer bundling discounts, while smaller carriers may provide lower rates on individual policies. The companies listed below offer a snapshot of some of the typical insurance rates in Wisconsin, but your quote will depend on your specific driving profile.

Provider	Avg. full coverage	Avg. minimum liability coverage
American Family	$88/month	$44/month
GEICO	$82/month	$41/month
Auto-Owners	$62/month	$31/month
State Farm	$61/month	$31/month
Erie	$81/month	$41/month
USAA	$58/month	$30/month

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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. full coverage premium
Poor (550-649)	$158/month
Average (650-699)	$133/month
Good (700-749)	$123/month
Excellent (750+)	$108/month

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.

Violation	Avg. full coverage premium before violation*	Avg. full coverage premium after violation
At-fault accident	$126/month	$163/month
DUI	$126/month	$160/month
Speeding ticket	$126/month	$159/month

*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 monthly premium for a 17-year-old driver is $228 for full coverage — around double the average premium for drivers in their 40s.

Age	Avg. full coverage premium
17	$228/month
25	$167/month
30	$139/month
40	$129/month
60	$105/month

Wisconsin car insurance rates by city

Areas where crime and vandalism are common tend to have higher full coverage 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 hundreds higher than the state average.

City	Avg. full coverage premium
Milwaukee	$179/month
Madison	$112/month
Kenosha	$124/month

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.

Methodology

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

Is car insurance expensive in WI?

Car insurance in Wisconsin is fairly inexpensive. You can get a full coverage policy for just $126 per month, compared to the national average of $187.

Why might uninsured motorist coverage be especially important in Wisconsin?

With a significant share of drivers on the road lacking insurance, uninsured motorist coverage can help cover your expenses if you're hit by someone who can't pay for the damages they cause.