Average Car Insurance Cost in Wisconsin (2025)
Drivers in Wisconsin pay an average monthly rate of $99 for car insurance.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Although car insurance is an unavoidable expense for Wisconsin drivers, the average cost of this coverage falls well below the national average of $151 per month. The state’s distance from the coast and lack of recurring natural disasters, like hurricanes, might account for these lower rates.
Although Wisconsin’s rates are relatively affordable compared to the rest of the country, full-coverage premiums for Badger State drivers increased by 22% between 2023 and 2024.
Here’s what you should know about car insurance for Wisconsin drivers, including average car insurance costs and how to compare quotes.
Quick Facts
The average cost of minimum-coverage car insurance in Wisconsin is $66 per month, and the average cost of full-coverage car insurance is $132.
Drivers in Milwaukee face higher average rates than drivers in the less populated cities of Madison and Racine.
Annually, drivers in Wisconsin pay averages of $793 for minimum coverage and $1,581 for full-coverage insurance.
How much is car insurance in Wisconsin?
Wisconsin drivers pay an average monthly rate of $99, or $1,187 annually, for car insurance. For a minimum-coverage policy, the average monthly rate is $66, which works out to an annual rate of $793. But drivers seeking a full-coverage policy with comprehensive coverage and collision coverage pay an average of $132 per month, or $1,581.
Although you’ll need a policy that meets the state’s minimum requirements to drive legally, purchasing a full-coverage policy may make more sense. A full-coverage policy is more robust and includes comprehensive and collision coverage in addition to bodily injury and property damage liability coverage.
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How Wisconsin car insurance rates have changed over the past two years
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To find car insurance rates in Wisconsin and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Wisconsin rose to $1,700 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Wisconsin.
See how Wisconsin car insurance prices have changed over the past two years below.
Average Wisconsin Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Wisconsin car insurance rates by city
With an average rate of $103 per month for minimum coverage, Milwaukee drivers tend to pay the most for car insurance in the Badger State. That’s significantly more than Madison drivers, who pay an average of $69 per month for a liability-only policy.
Rates can vary from city to city due to a range of factors. For example, higher rates of vandalism and accidents within a city could increase average rates.[1]
The table below showcases the average monthly rate for different Wisconsin cities.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Madison | $69 | $126 |
| Kenosha | $81 | $132 |
| Racine | $82 | $134 |
| Milwaukee | $103 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Wisconsin car insurance rates by age and gender
Older drivers with more experience behind the wheel pay lower car insurance rates than their younger peers. Teen drivers often face the highest insurance costs, which typically decrease over time with age. For example, a 16-year-old driver will likely pay significantly more for car insurance than a 60-year-old driver.
As a group, women tend to get into fewer car accidents than men. For that reason, women sometimes earn lower rates than their male counterparts.
The table below highlights the average monthly rates by age and gender for auto insurance in Wisconsin.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $137 | $290 |
| 18 | $119 | $252 |
| 20 | $90 | $190 |
| 25 | $81 | $170 |
| 30 | $72 | $151 |
| 40 | $63 | $133 |
| 50 | $54 | $113 |
| 60 | $46 | $98 |
| 70+ | $45 | $96 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $129 | $273 |
| 18 | $113 | $238 |
| 20 | $84 | $178 |
| 25 | $76 | $161 |
| 30 | $68 | $143 |
| 40 | $59 | $125 |
| 50 | $50 | $107 |
| 60 | $44 | $92 |
| 70+ | $43 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Wisconsin
Although everyone has their own vehicle preferences, some models are more popular than others. Several types of trucks and SUVs are the most popular for Wisconsin drivers, according to Edmunds.[2]
The table below highlights the average monthly rates for insurance coverage for the most popular vehicles in the state.
Vehicle | Average Monthly Quote |
|---|---|
| Chevrolet Silverado | $141 |
| Ford F-Series | $133 |
| Honda CR-V | $119 |
| Ram 1500/2500/3500 | $158 |
| Toyota RAV4 | $130 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Wisconsin
Insurance companies consider your driving record when determining rates. In general, drivers with an incident on their record face higher rates than people with a clean driving history. Common incidents associated with a high-risk driver include accidents, speeding tickets, and DUIs.
After an incident like an at-fault accident, your car insurance rates will likely increase. If you want to earn the lowest possible rates, do your best to maintain a clean driving record.
The table below shows average full-coverage rates for a sample driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $202 | 47% |
| With speeding ticket | $205 | 50% |
| With DUI | $229 | 67% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Insurance companies in Wisconsin can consider your credit information when determining your car insurance rates. Drivers with good or excellent credit generally pay less for car insurance than drivers with poor credit.[3]
This trend holds true in Wisconsin. The table below highlights how drivers with better credit tend to pay less for car insurance coverage. Compare average monthly rates below.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $48 $48 Good $56 $126 Fair $62 $138 Poor $96 $214 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Wisconsin
You can use the following strategies to find cheap car insurance in Wisconsin:
Shop around
Compare quotes across multiple insurance companies to find the best rates for your unique situation. Insurers determine premiums differently, so comparing multiple options is a good way to find cheap car insurance.
Increase your deductible
A higher deductible often leads to a lower insurance premium. If you have the funds on hand to cover a higher deductible after an accident, this option might help you lock in savings on coverage.
Look for discounts
Most insurance companies offer a selection of discount opportunities. Never hesitate to ask if you qualify for savings.
Bundle your coverage
When you buy car insurance and another insurance product through the same insurance company, you can earn a bundling discount. For example, if you currently insure your car and home through different insurers, finding a coverage option for both through the same insurance company could lead to a discount.
Opt for minimum coverage
If it makes sense for your situation, consider switching to a car insurance policy that meets Wisconsin’s minimum coverage requirements for bodily injury and property damage liability. But keep in mind that only full coverage helps pay for repairs to your vehicle after an accident. You’ll pay for your repairs out of pocket if you have a minimum-coverage policy.
Pay up front
Some insurance companies offer a discount if you pay annually instead of paying a monthly rate.
Wisconsin average car insurance cost FAQs
The following information can help answer your remaining questions about Wisconsin car insurance.
The average rate for car insurance in Wisconsin is $1,187 per year. On average, Wisconsin drivers pay an annual rate of $793 for a liability-only policy and $1,581 for a full-coverage policy.
USAA offers Wisconsin drivers the cheapest rates, at an average of $22 per month for a liability-only policy. If you’re looking for cheap car insurance, you may want to purchase an auto policy that meets only the minimum requirements.
Wisconsin drivers pay an average rate of $99 per month for auto insurance. On average, car insurance in Wisconsin costs $66 per month for liability-only coverage and $132 for full coverage.
The best car insurance company varies based on your situation. But USAA, Erie, Nationwide, Westfield Insurance, COUNTRY Financial, and State Farm all earned above-average marks in the 2024 J.D. Power U.S. Auto Insurance Study.
Wisconsin requires drivers to carry $25,000 per person and $50,000 per accident in bodily injury liability and $10,000 per accident in property damage liability coverage.[4] A minimum-coverage policy is generally much cheaper than full-coverage insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Edmunds. "Most popular cars in America."
- Wisconsin Office of the Insurance Commissioner. "Understanding How Insurance Companies Use Credit Information."
- State of Wisconsin Department of Transportation. "Minimum insurance requirements."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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