Wisconsin Car Insurance Calculator: Estimate Your Car Insurance Costs

When buying car insurance in Wisconsin, insurance providers ask for personal information to provide an accurate rate estimate. You can use MoneyGeek’s car insurance calculator for Wisconsin to get an idea of how much car insurance may cost you.

Last Updated: 4/12/2022
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In just a few clicks, MoneyGeek’s car insurance calculator can help you acquire a quick estimate of car insurance costs in Wisconsin.

MoneyGeek also analyzed how insurers calculate car insurance premiums in Wisconsin. We studied various factors and how they affect insurance costs to help you understand how your profile affects your premium.

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Wisconsin Car Insurance Calculator: Get an Instant, Free Estimate

You’ll spend approximately 10–15 minutes to get a finalized car insurance quote from an insurance company in Wisconsin, as the process requires entering a lot of personal information.

MoneyGeek’s Wisconsin car insurance calculator provides an estimate of your car insurance cost by month or year quickly. It calculates the price based on your age, driving record, vehicle type and coverage levels.

Our calculator reveals how adding a teen driver, age of driver and credit score have the biggest impact on car insurance rates in Wisconsin. However, the strongest factor for you may change depending on your profile.

Auto Insurance Calculator

State

Wisconsin

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$212

2.

AAA

$299

3.

GEICO

$345

4.

Erie

$357

In Wisconsin, the most affordable car insurance provider for you depends on several factors, but MoneyGeek’s car insurance calculator gives a close estimate. AAA offers Wisconsin’s cheapest widely available car insurance for MoneyGeek’s average driver at approximately $299 per year.

However, price doesn’t determine a policy’s overall value. You should also consider the company’s customer service reputation and available coverages before deciding to buy.

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FACTORS TO CONSIDER WHEN GETTING A CAR INSURANCE ESTIMATE IN WISCONSIN

Use MoneyGeek’s car insurance calculator to get car insurance estimates or check our collection of sample driver types to find the cheapest car insurance in Wisconsin.

MoneyGeek broke down the average cost of car insurance in Wisconsin to help you understand how the state’s car insurance rates compare to others.

If you’re looking for the best car insurance companies in Wisconsin, regardless of cost, MoneyGeek ranked insurers that balance affordability and service quality.

How Car Insurance Premiums are Calculated in Wisconsin

Car insurance providers in Wisconsin use a variety of factors when determining car insurance rates. The most important factors in pricing your premium are adding a teen driver, age of driver and credit score. Notably, adding a teen driver in Wisconsin can increase your rate by as much as 3x.

How Much Adding a Teen Driver Matters in Calculating Car Insurance in Wisconsin

In Wisconsin, adding a teen driver to your policy significantly increases your car insurance premium. Insurers consider teen drivers as risky to insure due to their inexperience. As such, your rates can increase by 3x if you add a teen driver to your policy.

How Much Age of Driver Matters in Calculating Car Insurance in Wisconsin

A driver’s age is an important factor that insurance companies consider when pricing policies. Younger drivers tend to have less experience, so they pay more than middle-aged drivers.

In Wisconsin, a young driver (aged 19-20) pays around 2.6x more per year than a 40-year-old driver.

How Much Credit Score Matters in Calculating Car Insurance in Wisconsin

Your credit score matters when determining car insurance rates in Wisconsin — that may be because people with poor credit scores could have missed payments in the past or have a high amount of debt.

In Wisconsin, you get the cheapest car insurance if you have excellent credit. Conversely, having poor credit can increase your rates by 2.3x.

How Much Coverage Levels Matters in Calculating Car Insurance in Wisconsin

Insurance companies in Wisconsin do consider coverage levels and the deductible amount when calculating your rate. In general, the more protection you get, the more expensive your policy becomes.

A state minimum liability-only policy is the most affordable auto insurance in Wisconsin, while full coverage with 100/300/100 liability limits and a $500 deductible is the most expensive. On average, your coverage level can increase your price by 2.1x.

How Much Driving Record Matters in Calculating Car Insurance in Wisconsin

Insurance companies do review your driving record when calculating your car insurance rates. If you’ve had a DUI, a speeding ticket or an accident, insurers consider you riskier to insure and charge you more.

In Wisconsin, a clean record results in the cheapest rates, while a violation can cause your car insurance to be 2x more per year.

How to Calculate How Much Car Insurance You Need in Wisconsin

The amount of insurance you buy greatly affects your car insurance premium. Knowing how much car insurance you need in Wisconsin can help you balance affordability and protection.

Wisconsin requires bodily injury liability insurance, property damage liability insurance and uninsured/underinsured motorist coverage. However, you should assess if those are enough for your situation and consider buying additional liability and collision coverage for added security.

1

Understand Wisconsin car insurance requirements

You can look up Wisconsin’s minimum car insurance requirements to know how much insurance you need to buy at the very least.

A state minimum policy in Wisconsin only covers $25,000 for bodily injury per person, up to $50,000 per accident. It doesn’t have comprehensive and collision insurance, which covers damages to your car.

If that’s not enough, you should consider increasing your liability limits and purchasing additional coverage.

2

Consider Purchasing Additional Liability Insurance

To ensure financial protection in case of a major accident, you may need to increase your coverage beyond Wisconsin’s state minimum.

In Wisconsin, a policy with $300,000 bodily injury liability per accident costs roughly $534 per year. Meanwhile, a minimum liability policy costs approximately $443 per year.

3

Decide whether or not to buy comprehensive and collision insurance

You should decide whether you need to buy a full coverage policy, which includes comprehensive and collision insurance. Wisconsin does not require it, but auto lenders may make you have it for leased or financed cars.

In Wisconsin, adding comprehensive and collision coverage with a $1,000 deductible costs around $314 per year. You can consider dropping a full coverage policy if you’ll pay hundreds of dollars per year for a car that’s only worth a few thousand dollars.

4

Consider buying additional protection besides these core coverages

Wisconsin does require uninsured and underinsured motorist coverage, which covers accidents with drivers who have no insurance or insufficient insurance. It is helpful since 13.3% of drivers in Wisconsin are uninsured.

Additionally, you can buy medical payments coverage if you need protection against the cost of medical expenses from a vehicular crash.

Frequently Asked Questions About How Car Insurance is Calculated in Wisconsin

MoneyGeek answers some frequently asked questions about car insurance rates to help you understand how to calculate insurance premiums in Wisconsin.

Methodology

MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Wisconsin. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.