The average cost of full coverage car insurance in Wisconsin is $1,109. Wisconsin drivers enjoy lower rates than the national average, but there are still ways for drivers in the Badger State to save additional money on their car insurance.
The best way to be sure you’re getting the best rates on car insurance is to compare quotes before you buy. Policygenius can help you see how much you’d pay with top companies so you can be confident you’re choosing the right coverage.
Key takeaways
USAA has the lowest average rates for full coverage in Wisconsin
GEICO has the best rates in Wisconsin for drivers with bad credit
Wisconsin requires $25,000 person/$50,000 accident in bodily image liability and $10,000 in property damage liability
Wisconsin also requires uninsured/underinsured motorist coverage at $25,000 per person/$50,000 per accident
Cheapest car insurance companies in Wisconsin
All insurance companies consider things like your ZIP code, driving history, and age when calculating your rates, but they all have slightly different methods of coming up with costs. Because of this, two companies can look at the same data and offer different rates for the same driver, which makes it important to shop around and compare costs.
Company | Average cost | JD Power Rating |
|---|
USAA | $680 | 890 |
GEICO | $767 | 874 |
Integrity Insurance | $795 | -- |
State Farm | $817 | 882 |
SECURA | $839 | -- |
Cheapest car insurance companies by age in Wisconsin
Statistically, young drivers are more likely to speed, text while driving, and be involved in accidents due to their inexperience behind the wheel — and that makes them much more expensive to insure. But rates for young drivers typically fall as they approach 25 and are no longer considered part of the same high-risk category.
Age | Cheapest company | Average cost |
|---|
16 | Auto-Owners Insurance | $2,399 |
18 | USAA | $1,615 |
21 | USAA | $1,002 |
25 | GEICO | $827 |
30 | USAA | $716 |
35 | USAA | $684 |
45 | USAA | $639 |
55 | USAA | $603 |
60 | USAA | $598 |
65 | USAA | $610 |
70 | USAA | $664 |
Choosing the right car insurance company in Wisconsin
Because every insurance company calculates risk differently, rates can vary between companies, making comparison essential. But it’s important to consider more than just cost — make sure you’re also getting a sufficient amount of coverage and check out customer service and claims satisfaction ratings before you settle on a policy.
Policygenius can help you understand your options and choose the coverage that’s best for you and your wallet.
Car insurance rates for drivers with driving violations in Wisconsin
While any accident or violation can impact your rate, too many can make it difficult to find affordable insurance altogether. The more serious the violation, the longer it will stay on your record and the more it will negatively impact your rate, so drivers with a recent DUI or an at-fault accident should take extra time to shop around and compare rates.
Cheapest car insurance for drivers with bad credit in Wisconsin
Drivers with bad credit will pay more for car insurance, but your credit score isn’t the only factor that car insurance companies consider. If you’re a safe driver and you take the time to shop around, you should still be able to find affordable coverage, even with a poor credit score.
Company | Rates for drivers with bad credit |
|---|
GEICO | $1,159 |
USAA | $1,253 |
SECURA | $1,273 |
Integrity Insurance | $1,386 |
Rural Mutual | $1,564 |
Car insurance costs in Wisconsin cities
Car insurance rates vary from city to city and are generally higher in places where there are more people. That’s because more cars on the roads means more chances to get into an accident and file a claim. Here’s how costs stack up in the 10 biggest cities in Wisconsin:
Milwaukee: $1,523
Madison: $1,057
Kenosha: $1,168
Green Bay: $1,384
Appleton: $953
Racine: $1,172
Eau Claire: $1,014
Waukesha: $1,022
Oshkosh: $963
La Crosse: $1,058
Buying car insurance in Wisconsin
Wisconsin requires all drivers to have a minimum amount of liability insurance. The Wisconsin liability requirements are $25,000 per person and $50,000 per accident in body liability insurance and $10,000 in property damage liability coverage. Wisconsin drivers are also required to have uninsured/underinsured motorist coverage.
Wisconsin is an at-fault state. That means that the driver found at-fault for an accident is legally and financially responsible for the damage and injuries resulting from that accident. Wisconsin does also have modified comparative negligence laws, which means each driver in an accident can be attributed a percentage of the fault.
Having more than the minimum levels of liability coverage is a smart way to make sure you are protected in the event of an at-fault accident. And if you cannot afford to repair or replace your vehicle out-of-pocket after an accident, adding comprehensive and collision insurance is a good idea too.
How to get cheap car insurance in Wisconsin
All car insurance companies offer discounts that can help drivers save money on their premiums. Some of the most common include:
Bundling discount
Safe driver discount
Good student discount
Accident-free discount
Multi-vehicle discount
Low mileage discount
Military discount
If you are not eligible for any discounts, you can still find the cheapest rates by comparing quotes from different insurers before you buy a policy.
Find car insurance in your city:
Frequently asked questions
How long will an accident or violation impact my insurance rates in WI?
Most accidents and violations are only visible to car insurance companies for three to five years, depending on the company and the severity of the violation. If you maintain a clean driving record after a violation, your rates may go back down after enough time has passed.
Is Wisconsin an at-fault state or a no-fault state?
Wisconsin is an at-fault state. The driver considered to be at fault will be financially responsible for the accident (meaning your insurance company is the one that has to pay out) and your insurance rates will probably increase.
Does Wisconsin require you to have car insurance by law?
Yes, drivers in Wisconsin are required by law to have a minimum of 25/50/10 in liability coverage, along with uninsured/underinsured motorist coverage.
How much is car insurance per month in Wisconsin?
Drivers in Wisconsin pay an average of $1,109 per year for car insurance, which breaks down to $92 per month.
Methodology
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
