How Much Does Car Insurance Cost In Wisconsin?

On average, drivers pay $165 per month for car insurance in Wisconsin, according to 2021 rates.

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Average Cost of Car Insurance in Wisconsin

Anyone traveling through Wisconsin might visit the sandy beaches along Lake Michigan, the farmland in the east, or Timms Hill, the state's highest point. Most Wisconsinites leave the outdoors for three-day weekends and make most trips to work, school, and the grocery store instead.

Over 57 percent of the Badger State's 5.8 million people live in the Greater Milwaukee, Madison, or Appleton metros. People expect traffic in the big cities, but even the rural towns get a taste of the busyness. Even with all the activity, Wisconsin ties with Montana for the 13th-cheapest insurance in the nation.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16550%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

What Is the Average Cost of Car Insurance in Wisconsin by Age?

At $282, the average monthly rates for Wisconsin teens may seem high. However, that figure is lower than what teenage drivers pay in many other states. Young adults in their 20s see a $100 price cut as they add to their driving experience and are at lower risk of accidents or other adverse driving events.

Wisconsinites in their 30s, 40s, and 50s see the price slip below the state average. But it's those in their 70s who really should dance about their rates. They pay less than $100 per month, a $65 savings over the average. There's another bump once you hit 80, but on average older Wisconsin residents still pay less than what teenagers and young adults do.

AgeAvg. Monthly Rate
Teens$282
20s$179
30s$143
40s$144
50s$150
60s$104
70s$99
>80s$110

What Is the Average Cost of Car Insurance in Wisconsin by Gender?

Men pay one percent more than women in Wisconsin for their car insurance.That averages out to a difference of $2s in monthly car insurance premiums between men and women.

GenderAvg. Monthly Rate
Male$166
Female$164

Does Marital Status Influence the Average Cost of Car Insurance in Wisconsin?

Can you think of 25 reasons to marry? How about $25 per month?

Experts and economists say that tying the knot leads to a higher average net worth and greater financial stability. In Wisconsin, married couples pay $25 less on average than singletons for car insurance.

Marital StatusAvg. Monthly Rate
Married$146
Single$171

What Are the Minimum Car Insurance Requirements in Wisconsin?

Wisconsin requires you have liability insurance to cover injuries and property damage caused to others. The law says you must have $25,000 in bodily injury liability per person and $50,000 per accident, $10,000 in property damage liability per accident, $25,000 in uninsured motorist bodily per person, and $50,000 in uninsured motorist bodily per accident. To protect your vehicle, buy comprehensive and collision coverage.

wisconsin

How Does Credit History Affect Wisconsin Car Insurance Rates?

Insurance companies in Wisconsin can use your credit score to determine your car insurance rate. Most states allow for the same practice.

Generally, better credit means a lower car insurance bill. Drivers with average credit pay more than those with poor credit, but that's most likely due to people with better credit buying more coverage and financing more expensive vehicles. Once you hit an 800 credit score, you arrive in the excellent category and save over $30 per month compared to the state average.

Credit HistoryAvg. Monthly Rate
Poor$160
Average$178
Good$159
Excellent$132

What Is the Average Cost of Car Insurance in Wisconsin for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Wisconsin will pay $16 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $30. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$155
At-Fault Accident$185
Speeding$171

Tips for Researching Wisconsin Car Insurance Rates

The Badger State's prices and premiums will vary by your location, company, and car. The Wisconsin State Journal said Dane County was the fastest-growing in the state, and the state's overall population is steadily rising. Will insurance prices rise as well?

Wisconsinites hoping for a good deal should try Insurify’s comparison tool. You'll get 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

FAQs - Wisconsin Car Insurance

Why is car insurance so expensive in Wisconsin?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Wisconsin?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Wisconsin. Insurify analyzed the latest data for the five most populous cities in Wisconsin to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Wisconsin?

'The way to find the carrier with the best auto insurance ratings in Wisconsin and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Wisconsin?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.