Car Insurance in Wisconsin

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Looking for cheap car insurance in Wisconsin?

Insurance costs tend to be relatively affordable in the Badger State—but that doesn’t mean there isn’t ample opportunity to find savings. If you’re looking for a fast, easy way to get cheap car insurance in Wisconsin, Jerry has you covered.
Jerry is a free car insurance shopping app that will generate a list of quotes from top providers in Milwaukee, Madison, or anywhere else in Wisconsin in 45 seconds or less.
No need to fill out endless quotes just to compare rates. After all, every provider uses their own formula to come up with their prices, so shopping around is always the best way to save.
Even better, Jerry is a fully licensed broker that will take care of your car insurance needs from start to finish. Jerry makes it easy to customize your policy and will handle the switchover once you make your pick. Before every policy renewal period, you’ll be presented with new competitive quotes—which means you’ll always have the best coverage at the best price.
Here are some real quotes from customers in Wisconsin who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
September 19, 2021BMW M235XiAppleton23ClearCover$135/mo.$64/mo.
July 21, 2021Dodge Grand Caravan GTLake Tomahawk32Progressive$145/mo.$80/mo.
September 20, 2021Ford Taurus ShoAppleton36Progressive$323/mo.$104/mo.
April 1, 2021Subaru Legacy SportAppleton23Nationwide$165/mo.$134/mo.
April 22, 2021Infiniti Qx80Milwaukee27National General$310/mo.$189/mo.
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How much does car insurance cost in Wisconsin?

The average cost of liability-only car insurance in Wisconsin is $1,792 per year. If you prefer to buy full coverage car insurance in Wisconsin, you can expect to pay an average cost of $1,500 per year.

How does the annual cost in Wisconsin compare to the rest of the country?

For comparison, the national average is $1,764 per year for liability-only car insurance and $2,486 per year for full-coverage car insurance.
What factors affect the cost of my car insurance in Wisconsin? Here are a few:
  • High number of uninsured drivers
  • Severe weather
  • Lower population density
Wisconsin also has fairly average minimum car insurance requirements, which helps keep the cost of basic liability insurance reasonable compared to other states.
Here’s how insurance savings with Jerry in Wisconsin stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
WI$1,835$1,214$1,284$1,131$1,410$1,075
National Average$2,491$1,672$2,359$1,390$2,763$1,962
WINational Average
All Coverage Before Jerry
$1,835$2,491
All Coverage After Jerry
$1,214$1,672
Minimum Coverage Before Jerry
$1,284$2,359
Minimum Coverage After Jerry
$1,131$1,390
Full Coverage Before Jerry
$1,410$2,763
Full Coverage After Jerry
$1,075$1,962
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Top auto insurance providers in Wisconsin

You can find plenty of reliable insurance options in Wisconsin, including GEICO, Allstate, Travelers, and Farmers.
If you get quotes in Wisconsin for the same car from multiple carriers, you’ll end up with a mishmash of rates. That’s because each carrier uses its own formula to determine the risk presented by drivers.
There are many factors that are used to determine your risk profile. Some of the most common ones include your age, your driving record, and yes, your location.
For example, in Wisconsin, one carrier may see a lot of claims from drivers who insure a specific model of car. If you drive this model as well, you can expect this carrier to hike up your premium.
Maybe another carrier sees a lot of claims for car theft and vandalism in your specific geographic area and chooses to factor that into your quote.
Some of the most popular carriers in Wisconsin include the following:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$2,824$1,601Compare Prices
National General$2,988$1,342Compare Prices
Allstate$2,083$717Compare Prices
Travelers$1,738$432Compare Prices
Dairyland$4,952$410Compare Prices
Nationwide$1,830$382Compare Prices
Safeco$1,981$349Compare Prices
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What car insurance do you need in Wisconsin?

Wisconsin drivers are required to carry liability insurance. The minimum coverage requirements are as follows:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentHelps cover any medical bills or other costs associated with injuries you cause to others
Property damage liability$10,000 per accidentHelps covers the cost associated with damage you cause to vehicles or property that belong to other people
Wisconsin requires drivers to have car insurance so they can assume financial responsibility for injuries and damages in the event of a collision.
If you let your coverage lapse, or if you fail to buy car insurance altogether, potential consequences include:
  • An expensive ticket
  • A driver’s license suspension
  • A towed and impounded car
  • A lack of financial protection if you get into an accident
While you may think having the minimum required liability coverage in Wisconsin is sufficient, there’s no guarantee that it will cover all the expenses associated with an accident. If you can afford to buy more coverage, then you should.
Here are some types of coverage you may want to consider:
CoverageDescription
Collision coverageHelps cover any damages to your vehicle if you get into a collision with someone else’s vehicle or another object
Comprehensive coverageHelps cover damage to your car from something other than a collision, such as contact with animals, natural disasters, fire, vandalism, theft, and fallen objects
Uninsured motorist coverageHelps cover any damages resulting from an accident caused by an uninsured driver
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy for you. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal.
Now that you’ve figured out what kind of insurance you need, let’s take a look at the cost.

How is your cost of car insurance determined in Wisconsin?

Insurance companies take a number of factors into account when calculating your premium, including your age, driving record, zip code, and the type of vehicle you drive.

Cost to insure your car in Wisconsin by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Teenage drivers in Wisconsin are three times more likely to be involved in a car accident than other age groups, with crash rates above the national average. Distracted driving is a significant factor in six of every 10 accidents involving teenagers.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by:
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,894$1,169
21-24$2,328$902
25-34$2,252$794
35-44$2,591$1,221
45-54$2,687$1,361
55-64$2,145$888
65+$1,528$428
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Cost to insure your car in Wisconsin with a poor driving record

Drivers who have gotten into an accident, received a speeding ticket, or been convicted of a DUI often pay higher car insurance rates.
In Wisconsin, points can remain on your driving record for five years. You’ll be labeled a high-risk driver and insurance companies use this to increase your premiums.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,155$784
Illegal Turn$4,984$2,713
Driving on Sus. License$3,763$1,255
Failure to Obey Traffic Sign$3,241$1,146
Speeding under 15$2,992$1,009
Careless Driving$2,826$962
Defective Equipment$2,419$954
Open Container$4,056$844
Speeding over 15$1,942$427
DUI$1,804$420
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Cost to insure your car in Wisconsin based on where you live

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in big cities, like Milwaukee, tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Wisconsin drivers pay more than 30% less than the national average. In general, the state has a middle-of-the-road population density and a fairly rural population, which typically means fewer accidents and lower rates. It also has a healthy amount of insurer competition.
Here are the great rates Jerry users found in a number of Wisconsin cities:
City
Average Cost
Annual Savings with Jerry
Appleton$2,897$1,459
Eau Claire$2,071$728
Green Bay$1,817$739
Janesville$2,123$802
Kenosha$2,813$1,571
Madison$2,005$907
Milwaukee$2,683$866
Racine$1,901$588
Watertown$1,848$546
Waukesha$2,512$1,059
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Cost to insure your car in Wisconsin based on the type of car you drive

The Ford F-150 is one of the best-selling vehicles in the Badger State—and, as it turns out, one of the most affordable to insure, too.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
If you need to insure something a little fancier, like an Infiniti Q50 or BMW 3-series, expect higher premiums.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Ford Taurus Sho$3,876$2,358
Dodge Durango SXT$2,905$1,457
Honda Civic Sport$2,783$820
Chevrolet Impala LT$1,836$581
Nissan Rogue S$1,688$461
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How to save money on car insurance in Wisconsin

There are several ways to lower your insurance costs without sacrificing coverage in Wisconsin.

Shop around for quotes

The best way to find savings on your car insurance is to compare quotes from several insurance companies. Want to find out if you’re overpaying? Let Jerry do the work for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Answer just a few easy questions and let Jerry handle all the hard work for you—from collecting quotes to helping you cancel your old policy.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.

Consider raising your deductible

When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance.
If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.

Look for discounts

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Wisconsin.
Here are some common ones to keep an eye out for:
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You may also qualify for insurance discounts based on your professional affiliations, demographics, driving history, or vehicle.

Registering your car in Wisconsin

If you want to register a car in Wisconsin, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • A car title or signed lease agreement
  • Proof of a safety inspection
  • Proof of a smog test, depending on the age of the vehicle
Once you have the paperwork, head to the DMV. It’s usually best to make an appointment first. At the DMV, you’ll have to fill out a registration form that asks for some personal details as well as information about your vehicle.
In Wisconsin, you have to renew your vehicle registration annually.

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