Average Cost of Car Insurance in Wisconsin for 2026

Wisconsin car insurance costs $36 per month for minimum coverage and $87 per month for full coverage. The average cost of car insurance in Wisconsin is $455 per year less than the national average for full coverage and $296 per year less for minimum coverage. 

Credit score is the largest single variable after coverage choice in Wisconsin. Bad credit raises full coverage from $87 to $234 per month, a $147 monthly swing.

Your rate within that state average depends on where you live, your driving record, your age, your credit score and which company you choose.

Average costs for car insurance coverage in Wisconsin range from $39/month for a minimum liability-only policy to $111/month for full coverage with the same limits and a $0 deductible. The standard full coverage benchmark (100/300/100 liability with a $1,000 deductible) costs $92 per month ($1,100 per year).

Although minimum coverage is the cheapest option, experts recommend getting as much coverage as you can afford. For just $11 more per month than liability alone, you could add comprehensive and collision coverage to cover damages to your own vehicle from accidents, theft, vandalism and Wisconsin's winter weather. Lowering your deductible costs more than raising your liability limits in Wisconsin.

Milwaukee costs $126 per month for full coverage — $2 above the national average of $124 — while Appleton costs $73, putting the two cities $53 apart. A Milwaukee driver likely pays above the national norm despite living in a below-average-cost state.

Milwaukee's higher rate reflects dense urban traffic, elevated theft rates and the collision frequency that comes with the state's largest metropolitan area. If your quote is above $126 per month for full coverage with a clean record, the company you're with (not your city) is the likely culprit.

Wisconsin uses gender as a rating factor, so male and female drivers pay different rates at every age. Adding a 16-year-old male to a family policy costs $243 per month ($2,921 per year) in Wisconsin; a 16-year-old female costs $229 per month ($2,748 per year). The 16-year-old male-to-female difference is $173 per year. 

A 40-year-old clean-record driver pays $92 per month for full coverage — $151 less per month than a 16-year-old male on a family policy. Age and gender affect car insurance rates through the early 20s, with costs falling at each birthday before leveling off around age 25. For age-specific cost breakdowns, see 16-year-old car insurance costs, 17-year-old car insurance costs and 18-year-old car insurance costs.

Your rate will go up in Wisconsin even when another driver caused the crash, from $92 to $99 per month. A speeding ticket raises full coverage to $118 per month. An at-fault accident raises rates to $141 per month ($590 more per year than a clean record), and a DUI raises monthly premiums to $166 — a $74 monthly increase and $886 more per year than a clean driving record. 

Violations affect rates for three to five years in Wisconsin, though the timeframe varies by violation type. Getting quotes from at least three different insurers around the three-year mark will offer you the best rate.

Wisconsin allows insurers to use credit-based insurance scores when setting premiums. Drivers with bad credit pay $234 per month for full coverage in Wisconsin — a $147 monthly difference from someone with good credit, or $1,786 per year. Low-income Wisconsin drivers with poor credit scores can reduce their premiums by addressing their credit alongside their coverage choices.

Full coverage for a Tesla Model Y costs $189 per month in Wisconsin. The Ford F-150 costs $113 to insure — a $76 monthly difference, or $912 per year. Your rate will depend on your vehicle, its repair costs and its theft profile. 

The cost to insure an EV is often more expensive than a gas-fueled vehicle. Electric vehicle parts and specialized battery repairs carry higher claim costs, and limited technician availability in many Wisconsin markets extends repair timelines and increases insurer exposure.

Credit score and vehicle choice are the two largest rate drivers in Wisconsin, moving premiums by $149 per month and $76 per month respectively. Wisconsin permits credit-based insurance scoring, which means improving your credit is the one lever that reduces premiums without changing your coverage or record.

Your driver profile — record, age, vehicle, credit and location — affects how each insurer will price you, and no single carrier leads for every profile. Quote at least three companies to get the lowest quote for your profile and coverage needs before deciding. We ranked the cheapest car insurance in Wisconsin options by driver type to help you get started.

Full coverage in Wisconsin ranges from $53 per month with GEICO to $77 with Farm Bureau among the five companies shown. Comparing multiple insurers is the fastest way to find which company will give you the best price.

We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.