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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.
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.
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.
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.
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.
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.
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?
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.
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.
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.
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.
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.
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
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.
Car insurance customers who also get multiple insurance policies with the same carrier can get a bundling discount.
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.