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The average cost of basic liability car insurance in Wisconsin is $1,906 per year. Opting for full-coverage car insurance in Wisconsin will leave you with an average cost of $1,849 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
The average cost of basic liability car insurance in Wisconsin is $1,906 per year. Opting for full-coverage car insurance in Wisconsin will leave you with an average cost of $1,849 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Wisconsin
The best way to save on auto insurance in Wisconsin is to compare quotes from at least three insurance companies.
The reason? Car insurance premiums are highly personalized. Every insurance company looks at a ton of variables when setting your rate, but they weigh those variables differently, so three different companies could quote you wildly different rates for the same coverage.
A bad credit score, a high-crime ZIP code, or a history of violations and accidents could all lead to higher rates; a clean driving record or good credit history could lower them. The only way to find the best rate is to compare quotes.
Below are real quotes and savings that Jerry users found in Wisconsin.
| Quote Date | Car | Before Jerry | After Jerry | City | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|
| March 16, 2023 | Nissan Pathfinder S | $700/mo. | $157/mo. | Sun Prairie | Amy L. | 48 | Progressive |
| March 15, 2023 | Honda Civic LX | $547/mo. | $342/mo. | Milwaukee | Annie B. | 24 | Progressive |
| March 10, 2023 | Mazda 6 Grand Touring Reserve | $134/mo. | $90/mo. | Onalaska | Edgar H. | 27 | Progressive |
| March 2, 2023 | Ford Ranger XL | $146/mo. | $86/mo. | Lake Nebagamon | Eric M. | 54 | Progressive |
| February 28, 2023 | Toyota Tacoma Double Cab | $285/mo. | $63/mo. | North Prairie | Eliza H. | 24 | Dairyland |
Best car insurance companies in Wisconsin
Because insurance premiums are so individualized, the best car insurance company isn’t the same for every driver in Wisconsin. What’s more, it’s important to keep customer service and claims handling in mind in addition to the average cost of a policy.
GEICO, State Farm, and Progressive typically have the lowest average Wisconsin car insurance rates, but the best company for you will depend on your driver profile. Allstate and Erie Insurance, on the other hand, tend to get better customer reviews for their service.
The makeup of your household also matters. Families with military members can often get the best rates from USAA. Got a teen behind the wheel? Nationwide has your back with the lowest average rates for young drivers. And if anyone in your household has a serious driving violation like a DUI on their driving record, you should take a look at companies that specialize in high-risk auto insurance such as National General.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Kemper | $2,644 | $1,214 | |
| Dairyland | $3,113 | $869 | |
| Clearcover | $2,348 | $848 | |
| Progressive | $2,379 | $782 | |
| National General | $2,310 | $776 | |
| Safeco | $2,209 | $762 | |
| State Auto | $2,549 | $715 | |
| Travelers | $1,936 | $581 | |
| Nationwide | $1,988 | $545 | |
| Allstate | $1,937 | $540 | |
| Compare Prices | |||
Wisconsin car insurance FAQs
Is car insurance high in Wisconsin?
No. On average, drivers in Wisconsin pay $940 per year for full coverage car insurance—which is lower than the national average.
Is insurance cheaper once you are 25?
No matter where you live, car insurance is almost always cheaper once you turn 25. This assumes that your driving record, vehicle, location, and other personal details remain the same. On average, you could end up spending more than $1,000 less on your annual premium after turning 25.
How much car insurance do I need in Wisconsin?
To comply with Wisconsin insurance laws, you’ll need to pick up a liability insurance policy with limits of 25/50/10. In other words, you’ll need $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. You’ll also need uninsured motorist (UM) coverage with limits of $25,000 of bodily injury per person and $50,000 of bodily injury per accident.
How much does car insurance cost in Wisconsin?
Car insurance is fairly cheap in Wisconsin, with the state average cost of car insurance well below the national average.
Low population density across the state and moderate insurance requirements both keep coverage affordable overall. That said, it’s possible to see higher rates in the Badger State due to a high number of uninsured drivers and the potential for severe weather.
Here’s a rundown of what you need to know about car insurance in Wisconsin.
Wisconsin car insurance requirements
In order to legally operate a motor vehicle in Wisconsin, you must carry proof of insurance that includes at least $25,000 per person/ $50,000 per accident of bodily injury liability coverage and $10,000 per accident of property damage liability.
How much insurance do I need in Wisconsin?
In Wisconsin, you must have a minimum of $25,000 of bodily injury coverage, $50,000 of bodily injury liability per accident, and $10,000 of coverage for property.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Wisconsin a no-fault state?
No, Wisconsin is an at-fault state that gives you the option of buying no-fault coverage. If you purchase personal injury protection (PIP), and are involved in an accident, you and your passengers will have medical expenses paid for immediately, regardless of who is at fault for the accident or if you have health insurance.
If you do not opt for this coverage, the at-fault driver’s insurance will pay for you and your passengers' injuries, once their insurance company accepts liability and confirms that there is enough coverage.
Under Wisconsin law, the only type of car insurance you must buy is liability insurance. But a liability-only policy won’t allow you to submit a claim for damage to your own vehicle, so it’s usually a good idea to add collision insurance and comprehensive coverage for a so-called “full coverage policy.” Even though full coverage car insurance isn’t required by state law, it’s often a requirement from lenders for a financed car—and it’s a good idea for anyone with a valuable vehicle.
Want to see what the added costs might look like? Check out the graph below.
Can you get cheap car insurance with a DUI or speeding ticket in Wisconsin?
If you have a violation on your driving record, you’re likely to pay a higher rate for car insurance. Anything from a speeding ticket to a DUI or reckless driving charge can cause your premium to increase.
Points can remain on your Wisconsin driving record for five years. If you rack up enough points, your insurance company will consider you a high-risk driver and could raise your annual premium or even drop you for a serious violation.
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $1,829 | $603 |
| Seat Belt | $3,556 | $1,967 |
| Eluding Police | $3,278 | $1,243 |
| Illegal Turn | $2,791 | $1,207 |
| Racing/Drag Racing | $2,482 | $1,191 |
| Driving on Sus. License | $2,657 | $1,002 |
| Failure to Obey Traffic Sign | $2,425 | $817 |
| Improper Passing | $2,793 | $749 |
| Careless Driving | $2,242 | $708 |
| Speeding under 15 | $2,223 | $705 |
Insurance Cost With a DUI in Wisconsin
If you get a DUI in Wisconsin, you can expect your car insurance to increase by an average of $85.08 monthly.
Read Wisconsin DUI Information:
Insurance Cost With a Reckless Driving Citation in Wisconsin
If you receive a reckless driving citation, you can expect your insurance to rise to an average of $53.92 per month.
Read Wisconsin Reckless Driving Information:
Wisconsin auto insurance rates by age
Teen drivers pay some of the highest rates for auto insurance in Wisconsin. The reason is simple: insurance companies charge more for risky drivers, and a lack of experience makes for a high risk of both accidents and violations.
Middle-aged drivers typically have the cheapest car insurance rates, but that doesn’t mean you have to wait until you hit that mid-life crisis to get affordable car insurance. A clean driving history, a good GPA, or a driver training course can all lower rates for drivers under age 25.
How can young drivers save money on car insurance in Wisconsin?
- Shopping around for the lowest rates
- Maintaining a clean driving record
- Getting good grades in school
- Shopping around for the lowest rates
- Maintaining a clean driving record
- Getting good grades in school
Wisconsin auto insurance rates by city
Car insurance is fairly affordable in Wisconsin—but Milwaukee insurance costs aren’t the same as Madison insurance costs, which are different from Green Bay insurance costs.
Why does your insurance rate change depending on your location? Accident statistics can affect the cost of even basic liability coverage, since densely populated cities tend to see more accidents and thus more claims. If you have full coverage, you’ll find that the cost of your policy depends partly on crime rates and weather patterns in your area.
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Appleton | $2,331 | $1,008 |
| Eau Claire | $1,687 | $761 |
| Green Bay | $1,730 | $516 |
| Janesville | $2,335 | $1,246 |
| Kenosha | $1,790 | $696 |
| Madison | $1,854 | $705 |
| Milwaukee | $2,052 | $718 |
| Neenah | $1,466 | $554 |
| Racine | $1,750 | $570 |
| Waukesha | $2,225 | $993 |
Least Expensive Cities in Wisconsin
Stevens Point is the least expensive city in Wisconsin for car insurance. Annual car insurance costs in Sheridan will cost you an average of $561.
City with Highest Rates of Accidents in Wisconsin
Racine has the highest accident rates in Wisconsin—8.95% of drivers have a prior no-fault accident already on their record. More accidents means higher policy rates.
Read Wisconsin Accident Information:
Cities with the Longest Commute Times in Wisconsin
Windlake has the longest commute time in Wisconsin with drivers seeing an average commute of 34.7 minutes. More time in the car means more chances to be in an accident, which may lead to higher rates.
Read Commuting Insurance Information:
Wisconsin auto insurance rates by vehicle type
The more your vehicle costs to repair, the more it’ll cost to insure it. That’s why luxury vehicles, older or imported cars, and any vehicle with lower safety and reliability ratings might have a higher insurance rate—and the same goes for any car with a reputation for risky driving.
Good news for Wisconsin truck lovers: Ford F-150 insurance costs are among the cheapest for any vehicle! By comparison, BMW 328i insurance costs are fairly steep due to expensive repairs and, well, the reputation that follows BMW drivers.
Check out the features below to see where you and your vehicle stand.
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Hyundai Sonata SE | $2,298 | $1,161 |
| Honda Civic Sport | $2,801 | $1,075 |
| Nissan Sentra S | $2,138 | $768 |
| Ford Focus SE | $1,925 | $742 |
| Chevrolet Impala LT | $1,926 | $598 |
Most Popular Car in Wisconsin
The most popular vehicle in Wisconsin is the Ford F-150. The average F-150 2022 driver pays $1,180 a year in car insurance. If this seems pricey, let Jerry find you a cheaper price in seconds.
Read more about your Ford F-150:
Do you need more than the minimum coverage in Wisconsin?
If your auto insurance policy stops with Wisconsin’s required liability coverage limits, you’re legally protected from the consequences of driving without insurance. But will minimum coverage give you all the financial protection you need?
Probably not. Although a liability-only policy is the cheapest kind of car insurance in Wisconsin, it could leave you seriously underinsured if you’re in a major at-fault accident. The average cost of a hospital stay following a car accident is $60,000—well under the bodily injury limits required by Wisconsin law.
Wisconsin’s state minimum insurance coverage also leaves your vehicle unprotected. Without collision and comprehensive coverage, you won’t be able to submit claims for damage to your own vehicle. And without uninsured motorist coverage, you’ll be out of luck if the driver who hits you doesn’t carry car insurance (about 13% of all Wisconsin drivers).
Not sure what types of additional coverage to add to your policy? Check out the features below.
Wisconsin is ranked 19th for least traffic, which isn’t too bad. Nobody likes sitting in traffic, and that is the same for any rush-hour fender-benders. Make sure your commute is as stress-free as possible with proper collision coverage.
Read more about Wisconsin Traffic:
In 2020, there were approximately 9,393 vehicles reported stolen in Wisconsin. If your car is stolen, you want to make sure you have adequate comprehensive coverage to ease the pain from any auto theft.
13.30% of drivers in Wisconsin are underinsured or uninsured—that’s 13.29% too high. Be responsible against irresponsible drivers. Uninsured/underinsured motorist coverage protects you in the event someone else can’t.
Read information about uninsured drivers:
Wisconsin residents rate the state a 5.67/10 for road quality. Regular roads don’t always mean a regular drive. Be ready for anything with roadside assistance.
How to save money on auto insurance in Wisconsin
Lowering your Wisconsin car insurance costs doesn’t have to mean sacrificing coverage. Here are a few strategies to help.
Shop around for quotes
Comparing car insurance quotes is the best way to be sure you’re getting the lowest rate. Most insurance agents recommend comparing at least three quotes from different companies to find the best rate for you.
It’s especially important to compare auto insurance quotes after a major life event, such as a move or a change in marital status. You might also want to compare quotes if you recently got rid of a poor credit score, purchased a home, or sold a vehicle.
MORE: Is the Jerry app legit?
Look for discounts
If you’ve ever heard a commercial talk about bundling homeowners and auto insurance, you’re already familiar with one of the most popular car insurance discounts in Wisconsin! But multi-policy discounts are just the tip of the savings iceberg.
Most auto insurance providers offer a wide range of discounts, many of which can be stacked for extra savings. Check out the list below for a few to look out for:
Clean Driving Record Discounts
Clean Driving Record Discounts
Having a clean driving record can set you ahead of your peers. If you drive safely and have little to no prior claims, your carrier will reward you with reduced prices.
Bundling Discounts
Bundling Discounts
Car insurance customers who also get multiple insurance policies with the same carrier can get a bundling discount.
Loyalty Discounts
Loyalty Discounts
Sticking with your current provider (and driving well) can lead to a decrease in rates for drivers in Wisconsin.
Increase your deductible
For drivers with full coverage insurance, a higher deductible could mean lower monthly payments.
Basic liability insurance doesn’t come with a deductible, but collision and comprehensive policies typically include a deductible of $500 or $1,000, which you have to pay before your coverage kicks in on a claim. If you choose a higher deductible, you’ll pay less to maintain the policy.
Just be careful: never choose a deductible that’s higher than you can afford to pay at one time.
By R.E. Fulton
Updated on Mar 23, 2023
Reviewed by Kathleen Flear, Director of Content.
Compare best car insurance quotes in Wisconsin
Best car insurance companies in Wisconsin
Wisconsin car insurance FAQs
How much does car insurance cost in Wisconsin?
Wisconsin car insurance requirements
Can you get cheap car insurance with a DUI or speeding ticket in Wisconsin?
Wisconsin auto insurance rates by age
Wisconsin auto insurance rates by city
Wisconsin auto insurance rates by vehicle type
Do you need more than the minimum coverage in Wisconsin?
How to save money on auto insurance in Wisconsin
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