Average Car Insurance Cost in Wisconsin (2024)

The average cost of car insurance in Wisconsin is $140 per month for full-coverage insurance and $65 per month for liability-only auto insurance coverage. The state average for both full coverage and liability-only coverage is less than the national average of $202 per month for full-coverage auto insurance and $105 per month for liability-only insurance.

Wisconsin’s traffic fatalities are among the lowest rates in the U.S.^[1] Furthermore, Wisconsin’s alcohol-impaired driving fatality rate is also less than many other states.^[2] Both of these rates can help explain why insurance costs are comparatively cheaper in the Badger State.

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What’s the average cost of car insurance in Wisconsin?

The overall average cost of car insurance in Wisconsin is $103 per month.

Various factors affect the average annual cost of auto insurance premiums in Wisconsin, including the state’s weather patterns, uninsured motorist rates, number of claims filed, and accident rates.^[4] Furthermore, you’ll likely see price differences between liability coverage and full coverage; a full-coverage policy generally costs more but comes with more protection.

The table below shows the average cost of car insurance from different auto insurers in Wisconsin.

How Wisconsin car insurance rates have changed over the past two years

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 by city

Insurance companies consider an area’s crime rate and the risk of theft or vandalism when determining car insurance premiums. Metropolitan and urban areas in Wisconsin tend to have more expensive average car insurance rates than rural areas because of the higher risk of accidents and theft in populated cities.

For example, average car insurance rates are more expensive in Milwaukee, which is the state’s largest city and located in a county with the most reported accidents in 2020.^[5]

The table below shows average car insurance rates for different cities in Wisconsin.

Average Wisconsin car insurance rates by age

A driver’s age also affects their car insurance rates. Younger drivers and seniors have a higher risk of an accident, so they tend to pay more expensive rates.

For young drivers, inexperience and risk-taking behaviors increase their risk of accidents.^[6] For seniors, delayed reaction time and health issues can make being on the roads more dangerous.^[7]

The table below shows average monthly auto insurance rates for Wisconsin drivers based on age.

How gender affects car insurance rates in Wisconsin

Gender shows a statistical connection with car accident risk as well. In general, men drive more often and have more collisions, both of which cause their insurers to charge them higher rates.

The gender gap between male and female auto insurance premiums is especially substantial for younger male drivers, who pay some of the highest insurance rates of any motorists.^[8] The table below shows average premiums of Wisconsin drivers based on age and gender.

How your driving record affects car insurance rates in Wisconsin

Your past driving record influences your auto insurance rates. Insurers view incidents on your driving record — like driving under the influence (DUI), speeding tickets, and at-fault accidents — as an indicator of how likely you are to file a claim in the future.

The more incidents you have, the higher your premiums.^[4] Avoiding crashes and other high-risk behaviors can be one of the best ways to get the cheapest car insurance rates.

The table below shows how Wisconsin average car insurance rates change with different driving records.

Average Wisconsin car insurance rates by marital status

Married couples often bundle their car insurance with home or renters insurance and insure multiple cars under one policy, leading to discounts on their auto insurance. This causes married people to pay less for car insurance than single drivers.

The table below shows how much married and single Wisconsinites pay on average for car insurance.

Average Wisconsin car insurance rates by credit tier

Insurance companies in Wisconsin can and do use credit information when setting insurance rates.^[3] Drivers with good or excellent credit scores tend to pay less for car insurance than drivers with poor credit scores. You can increase your credit score by paying your credit accounts on time and keeping your credit utilization ratio less than 30%.

The table below shows average Wisconsin auto insurance premiums based on credit tier.

Wisconsin car insurance FAQs