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Wisconsin Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

How Much Does Car Insurance Cost In Wisconsin?

On average, car insurance rates for drivers in Wisconsin are $165 per month, and $1974 per year. The average rates make Wisconsin the 39th most expensive state in the country for car insurance rates and 35% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

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.

Best Wisconsin Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Wisconsin and has selected the following providers and quotes as the best rates for drivers in Wisconsin.

Cheapest CompaniesQuotes
Progressive$23
State Farm$73
Travelers$84
Nationwide$91
American Family$106

Wisconsin Car Insurance Rates by City

For drivers in Wisconsin, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Wisconsin.

CityAvg. Monthly Rate
Appleton$108
Eau Claire$117
Green Bay$113
Janesville$127
Kenosha$150
Madison$124
Milwaukee$214
Oshkosh$121
Racine$160
Waukesha$128

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

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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

Minimum Car Insurance Requirements in Wisconsin

All motor vehicles operated or parked on Wisconsin roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Wisconsin[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Wisconsin is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorist bodily injury
  • $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Wisconsin, drivers are only required to purchase coverage for bodily injury.

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.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Wisconsin Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Sources

  1. Wisconsin Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022