How Much Is Car Insurance in Wisconsin? (August 2024)

In Wisconsin, the average annual cost for full coverage car insurance is $1,059, while minimum coverage costs around $426.

Your insurance rate varies based on age, coverage level, location, driving record and credit history.

Wisconsin's average full coverage car insurance cost is $1,059 annually or $88 monthly. Knowing these averages helps you assess if your quote is fair. Compare car insurance quotes to find the best balance of cost and coverage.

The table below shows what you might pay for minimum and full coverage each month and year in Wisconsin.

Car insurance in Wisconsin is relatively affordable compared to other states. The average annual premium for minimum coverage is $426 or about $36 monthly, lower than the national average of $607 annually or $51 monthly.

Wisconsin's lower insurance costs are due to fewer uninsured motorists, mild traffic congestion and lower vehicle theft rates.

Car insurance rates vary widely between companies in Wisconsin. For example, American Family offers the lowest full coverage premium, $564 annually, while Dairyland has the highest, $2,329 per year.

To find the cheapest car insurance in Wisconsin, compare quotes from different insurers. Cost differences reflect how each company assesses risk, so shopping around can help you save money.

In Wisconsin, car insurance rates vary with coverage levels. Minimum coverage averages $36 per month, while full coverage with a $1,000 deductible costs about $88 monthly.

Full coverage offers more protection but costs more. To manage expenses, consider higher deductibles, which can reduce your premium. Each deductible applies separately to comprehensive and collision claims.

In Wisconsin, minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident, $10,000 for property damage per accident and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident.

Your Wisconsin address can heavily impact your car insurance premiums. Full coverage in Green Bay costs $850, while Milwaukee's is $1,477.

Factors influencing insurance rates in Wisconsin include driving records, driver age and the car's make and model.

In Wisconsin, younger drivers aged 22 to 29 face the highest premiums, averaging $1,396 annually.

Costs decline with age, reflecting experience and decreased risk. Senior drivers enjoy lower rates, around $1,036 annually.

Age and gender impact car insurance rates in Wisconsin. The average annual cost for a 16-year-old male driver added to a family policy is $2,423, the highest among all age groups.

Teenagers under 18 typically need a parent or guardian to co-sign for car insurance, making individual policies less common. However, if a 16-year-old male opts for an individual policy, the premium rises to $5,777.

The average annual cost for full coverage car insurance is $940 for a 2012 model and $1,327 for a 2022 model. The increase is due to the higher actual cash value, repair costs and theft risk of newer cars.

Experts recommend comprehensive and collision coverage for newer models to protect against a broader range of damage and losses beyond minimum coverage.

In Wisconsin, car insurance costs vary with your driving record:

• With a ticket: $1,390 per year; $116 per month
• With an at-fault accident: $1,590 per year; $132 per month
• With a DUI: $1,632 per year; $136 per month

Violations will raise your premiums, with more severe offenses resulting in higher costs. For example, a DUI affects rates for 10 years in Wisconsin, while a speeding ticket impacts rates for a shorter time.

Check the table below for average rates based on driving records, coverage and age.

Your credit score can greatly affect your car insurance costs. Drivers with excellent credit pay about $654 annually, while those with poor credit might pay $1,565.

Insurers use your credit score as a risk indicator. A good credit score is between 670 and 739, and an excellent score is 740 or higher. Lower scores, categorized as fair (580-669) or poor (below 580), often lead to higher premiums.

Understand how these key elements affect your car insurance premiums in Wisconsin to help reduce your rates:

• Driving record: A clean driving record can result in lower car insurance rates, while tickets and accidents typically lead to higher premiums.

• Credit score: Insurers often use credit scores as a risk indicator; a higher score may lower car insurance costs.

• Age and gender: Younger drivers and males usually face higher rates due to perceived increased accident risk.

• Vehicle type: Your car's make, model and age can affect insurance rates. Newer, more expensive vehicles might be costlier to insure.

• Location: Your ZIP code matters, as areas with higher crime or accident rates might have higher car insurance prices.

• Mileage: The more you drive, the higher the risk of an accident could lead to increased insurance rates.

• Collision insurance: Adding collision coverage to your policy can protect you against vehicle damage costs but may raise your premium.

• Comprehensive insurance: Opting for comprehensive coverage provides broader protection, including theft and natural disasters, which might increase your rate.

• Coverage level: Opting for more than the minimum coverage can provide better protection but will also increase your insurance costs.

Compare quotes, raise your deductible and use discounts to lower your premiums for minimum coverage and comprehensive policies in Wisconsin.

Get answers about what impacts the average cost of car insurance in Wisconsin and how to find affordable rates.