Average Cost of Car Insurance in Wisconsin

Wisconsin requires not only liability coverage but also uninsured motorist coverage, which only about 20 states require. Despite the increased minimum coverage requirements, this mandatory protection helps keep costs manageable. Wisconsin allows drivers to stack uninsured motorist coverage across multiple cars, providing enhanced protection for families with multiple vehicles against uninsured drivers in the state.

Wisconsin has witnessed an increase in intense and frequent heavy rains, leading to flooding, damaged roads and bridges, failed dams, injuries and illnesses. These severe weather events have become more frequent, causing insurers to face a higher likelihood of paying out on comprehensive claims. Despite historically mild weather patterns, climate change is affecting Wisconsin's insurance landscape.

Wisconsin has a low crime rate and a low cost of living, which together help account for lower-than-average premiums. The state's overall safety contributes to fewer theft and vandalism claims, keeping comprehensive coverage costs down. This factor, combined with the state's rural character, creates an environment where insurance companies face fewer claims.

Wisconsin continues to have one of the most competitive and affordable insurance markets in the country, according to WSAW, and this competitive environment extends to auto insurance. Multiple insurers compete for business in the state, creating opportunities for drivers to find competitive rates. The competitive market helps keep rates in check despite recent increases.

Wisconsin's low motor car theft rate is well below the national average, contributing to lower comprehensive coverage costs. This difference in theft rates compared to the national average helps keep insurance premiums affordable for Wisconsin drivers. The state's rural character and lower crime rates create an environment where car theft is less common.

Wisconsin has one of the lowest population densities in the country, with relatively uncrowded roads and spread-out population, which generally means fewer accidents and claims. The state's rural and suburban landscape plays a significant role in keeping insurance costs low, as drivers pay less for car insurance than the national average. This geographic advantage helps Wisconsin rank among the most affordable states for auto insurance.

Wisconsin experiences some of the highest rates of animal collisions in the nation, with drivers facing notable chances of filing a claim related to an animal collision. This positions Wisconsin drivers among the most likely in the country to make such a claim, alongside motorists from other rural states. Deer collisions are particularly common and contribute to comprehensive coverage claims.

Wisconsin car insurance rates increased substantially in recent years, surpassing increases observed in most other states. The average cost of a full-coverage auto policy has surged from previous levels. However, rate increases are projected to slow down in upcoming years, indicating a moderation in premium growth.

Wisconsin car insurance premiums can vary by city, with differences reflecting changes in regional weather patterns, repair costs, crime rates and population density. Milwaukee drivers typically pay more than the state average, while smaller cities often have lower rates. These variations reflect the impact of urban versus rural driving environments.