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Average cost of car insurance in Wisconsin for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Wisconsin?
If you need to insure a car in Wisconsin, you're in for some good news. Rates in the state tend to be noticeably lower than the national average. Based on our analysis of Quadrant Information Services data, Wisconsin drivers typically pay around $1,918 annually for full coverage and $448 for minimum coverage. To put that in perspective, that's well below the national averages of $2,638 and $767 respectively.
Wisconsin's cheaper rates stem partly from its relatively uncrowded roads and spread-out population, which generally means fewer accidents and claims. Of course, your actual premium will depend on various factors. Everything from your driving record and credit score to the type of car you drive and where you live in the state can impact what you'll pay. The Bankrate team will help break down these factors and explore how you can find the most affordable coverage for your situation.
Key takeaways
- The average annual cost of insurance in the Badger State is $1,918 for full coverage and $448 for minimum coverage.
- Wisconsin drivers pay 18 percent less for full coverage and 26 percent less for minimum coverage compared to the national average.
- Drivers living in Milwaukee pay an average of 29 percent more, while those in Waukesha pay 9 percent less than the state average.
- Being convicted of a DUI in Wisconsin increases the average driver’s rate by 103 percent more, while a speeding ticket increases average premiums by 20 percent more.
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Wisconsin car insurance rates by city
Wisconsin car insurance premiums can vary by city. These differences may reflect changes in regional weather patterns, repair costs, crime rates, population density and more. Below are average rates in some of Wisconsin's largest cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Menomonee Falls | $1,730 | -10% |
| Sheboygan | $1,602 | -18% |
| Mequon | $1,750 | -9% |
| Hartford | $1,745 | -9% |
| Juneau | $1,749 | -9% |
| Watertown | $1,725 | -11% |
| Woodland | $1,784 | -7% |
| Brookfield | $1,736 | -10% |
| Campbellsport | $1,781 | -7% |
| Horicon | $1,744 | -10% |
| Pewaukee | $1,720 | -11% |
| Slinger | $1,694 | -12% |
| Sussex | $1,717 | -11% |
| Cedarburg | $1,695 | -12% |
| Hartland | $1,721 | -11% |
| Nashotah | $1,726 | -11% |
| Newton | $1,706 | -12% |
| Lakewood | $2,037 | +6% |
| Neopit | $2,048 | +7% |
| Townsend | $2,026 | +5% |
| Algoma | $1,822 | -5% |
| Woodman | $2,088 | +8% |
| Arlington | $1,815 | -6% |
| Dalton | $2,052 | +7% |
| Fall River | $1,832 | -5% |
| Markesan | $1,994 | +4% |
| North Freedom | $2,040 | +6% |
| Minong | $2,343 | +20% |
| Oshkosh | $1,588 | -19% |
| Eldorado | $1,740 | -10% |
| Embarrass | $2,001 | +4% |
| Marion | $2,061 | +7% |
| Tisch Mills | $1,966 | +2% |
| Washington Island | $1,774 | -8% |
| Abbotsford | $2,042 | +6% |
| Bryant | $2,023 | +5% |
| Colby | $2,062 | +7% |
| Deerbrook | $2,024 | +5% |
| Junction City | $1,990 | +4% |
| Ogema | $2,218 | +14% |
| Pelican Lake | $2,059 | +7% |
| Port Edwards | $1,960 | +2% |
| Woodford | $2,072 | +8% |
| Madison | $1,676 | -13% |
| Bagley | $2,066 | +7% |
| Bloomington | $2,062 | +7% |
| Kieler | $2,038 | +6% |
| Burnett | $1,740 | -10% |
| Barneveld | $2,086 | +8% |
| Gratiot | $2,049 | +7% |
| Fontana | $1,839 | -4% |
| Lake Geneva | $1,823 | -5% |
| New Munster | $1,882 | -2% |
| North Prairie | $1,739 | -10% |
| Palmyra | $1,751 | -9% |
| Waukesha | $1,737 | -10% |
| Milwaukee | $2,472 | +25% |
| Dousman | $1,740 | -10% |
| Silver Lake | $1,853 | -3% |
| Wausaukee | $2,225 | +15% |
| Egg Harbor | $1,774 | -8% |
| Bristol | $1,888 | -2% |
| Elm Grove | $1,733 | -10% |
| Helenville | $1,740 | -10% |
| New Berlin | $1,761 | -9% |
| Mukwonago | $1,725 | -11% |
| Muskego | $1,730 | -10% |
| Oak Creek | $1,884 | -2% |
| Pleasant Prairie | $1,877 | -2% |
| Zenda | $1,829 | -5% |
| Abrams | $1,915 | -0% |
| Athelstane | $2,233 | +15% |
| Foxboro | $2,302 | +18% |
| Haugen | $2,302 | +18% |
| Iron River | $2,353 | +20% |
| Maple | $2,356 | +20% |
| Rice Lake | $2,274 | +17% |
| Weyerhaeuser | $2,283 | +17% |
| Winter | $2,301 | +18% |
| Fond Du Lac | $1,631 | -16% |
| Racine | $1,895 | -1% |
| Avalon | $1,741 | -10% |
| Beloit | $1,658 | -15% |
| Blue River | $2,099 | +9% |
| Brooklyn | $1,803 | -6% |
| Darlington | $2,055 | +7% |
| Deerfield | $1,609 | -18% |
| New Glarus | $1,984 | +3% |
| Black Creek | $1,830 | -5% |
| Greenleaf | $1,718 | -11% |
| Gresham | $2,027 | +6% |
| Potter | $1,723 | -11% |
| Shiocton | $1,887 | -2% |
| Sobieski | $1,849 | -4% |
| Denmark | $1,742 | -10% |
| Randolph | $1,837 | -4% |
| Roberts | $2,094 | +9% |
| Fence | $2,294 | +18% |
| Lena | $1,967 | +2% |
| Little Chute | $1,554 | -21% |
| Marinette | $2,077 | +8% |
| Mountain | $2,041 | +6% |
| Dunbar | $2,204 | +14% |
| Keshena | $2,025 | +5% |
| Oneida | $1,669 | -14% |
| Porterfield | $2,146 | +11% |
| Pound | $2,184 | +13% |
| Wrightstown | $1,700 | -12% |
| Baileys Harbor | $1,782 | -7% |
| Avoca | $2,118 | +10% |
| Belleville | $1,749 | -9% |
| Footville | $1,680 | -13% |
| Hollandale | $2,102 | +9% |
| Lake Mills | $1,707 | -12% |
| Lowell | $1,754 | -9% |
| Middleton | $1,670 | -14% |
| Oregon | $1,624 | -17% |
| Deer Park | $2,223 | +15% |
| Armstrong Creek | $2,273 | +17% |
| De Pere | $1,589 | -19% |
| Florence | $2,286 | +17% |
| Goodman | $2,201 | +14% |
| Kimberly | $1,553 | -21% |
| Niagara | $2,209 | +14% |
| Brussels | $1,841 | -4% |
| Casco | $1,857 | -3% |
| Little Suamico | $1,882 | -2% |
| Pulaski | $1,840 | -4% |
| Suring | $2,019 | +5% |
| Tilleda | $2,038 | +6% |
| Ripon | $1,770 | -8% |
| Wautoma | $2,050 | +7% |
| Burlington | $1,745 | -9% |
| Rothschild | $1,727 | -11% |
| Schofield | $1,741 | -10% |
| Stratford | $1,993 | +4% |
| Tigerton | $2,120 | +10% |
| Willard | $2,147 | +11% |
| Wisconsin Rapids | $1,949 | +2% |
| Heafford Junction | $2,262 | +16% |
| Phillips | $2,195 | +13% |
| Blair | $2,201 | +14% |
| Camp Douglas | $2,091 | +9% |
| Wonewoc | $2,115 | +10% |
| Amery | $2,319 | +19% |
| New Richmond | $2,157 | +12% |
| Woodville | $2,146 | +11% |
| Bonduel | $1,934 | +1% |
| Coleman | $2,170 | +12% |
| Kaukauna | $1,566 | -20% |
| Shawano | $1,930 | +1% |
| Green Bay | $1,578 | -19% |
| Amherst | $2,024 | +5% |
| Antigo | $1,987 | +3% |
| Auburndale | $1,948 | +2% |
| Bowler | $2,073 | +8% |
| Edgar | $1,996 | +4% |
| Elcho | $2,056 | +7% |
| Gilman | $2,243 | +16% |
| Hatley | $2,054 | +7% |
| Hewitt | $1,939 | +1% |
| Pearson | $2,052 | +7% |
| Baldwin | $2,123 | +10% |
| Drummond | $2,382 | +22% |
| Frederic | $2,365 | +21% |
| Ladysmith | $2,279 | +17% |
| Lake Nebagamon | $2,358 | +21% |
| Solon Springs | $2,349 | +20% |
| Bear Creek | $1,990 | +4% |
| Plainfield | $2,041 | +6% |
| Poy Sippi | $2,049 | +7% |
| Redgranite | $2,046 | +6% |
| Spencer | $1,996 | +4% |
| Stetsonville | $2,122 | +10% |
| Wittenberg | $2,109 | +9% |
| Butternut | $2,301 | +18% |
| Crandon | $2,262 | +16% |
| Gile | $2,278 | +17% |
| Minocqua | $1,993 | +4% |
| Park Falls | $2,182 | +13% |
| Saint Germain | $2,255 | +16% |
| La Crosse | $1,851 | -4% |
| Cudahy | $2,062 | +7% |
| Delavan | $1,802 | -6% |
| East Troy | $1,816 | -5% |
| Twin Lakes | $1,831 | -5% |
| Walworth | $1,805 | -6% |
| Williams Bay | $1,821 | -5% |
| Darien | $1,737 | -10% |
| Eagle | $1,729 | -10% |
| Genesee Depot | $1,764 | -8% |
| Kenosha | $1,917 | -0% |
| Waterford | $1,741 | -10% |
| Woodworth | $1,909 | -1% |
| Janesville | $1,633 | -16% |
| Merrimac | $2,024 | +5% |
| Sextonville | $2,126 | +10% |
| South Wayne | $2,045 | +6% |
| Manitowoc | $1,684 | -13% |
| Whitelaw | $1,723 | -11% |
| Galloway | $2,285 | +17% |
| Loyal | $2,116 | +10% |
| Merrill | $1,967 | +3% |
| Plover | $1,931 | +1% |
| Ringle | $1,977 | +3% |
| Eagle River | $2,268 | +17% |
| Hawkins | $2,260 | +16% |
| Kennan | $2,212 | +14% |
| Mercer | $2,281 | +17% |
| Woodruff | $2,136 | +11% |
| Cataract | $2,097 | +9% |
| Platteville | $2,021 | +5% |
| Mauston | $2,089 | +9% |
| East Ellsworth | $2,226 | +15% |
| Ellsworth | $2,133 | +11% |
| Hager City | $2,135 | +11% |
| Hudson | $2,095 | +9% |
| Hilbert | $1,706 | -12% |
| Pembine | $2,216 | +14% |
| Sun Prairie | $1,623 | -17% |
| Hazel Green | $2,017 | +5% |
| Cazenovia | $2,176 | +13% |
| Pardeeville | $1,869 | -3% |
| Union Center | $2,108 | +9% |
| Wisconsin Dells | $1,994 | +4% |
| Hammond | $2,104 | +9% |
| Brantwood | $2,215 | +14% |
| Long Lake | $2,271 | +17% |
| Three Lakes | $2,032 | +6% |
| Arkdale | $2,084 | +8% |
| Bangor | $2,021 | +5% |
| Dodge | $2,146 | +11% |
| La Farge | $2,178 | +13% |
| Wilmot | $1,847 | -4% |
| Combined Locks | $1,552 | -21% |
| Oconto Falls | $1,937 | +1% |
| Zachow | $1,948 | +2% |
| Cross Plains | $1,632 | -16% |
| Brandon | $1,750 | -9% |
| Loganville | $2,113 | +10% |
| New Lisbon | $2,102 | +9% |
| Boscobel | $2,113 | +10% |
| Sinsinawa | $2,063 | +7% |
| Stitzer | $2,059 | +7% |
| Portage | $1,860 | -3% |
| Cambria | $1,895 | -1% |
| Dellwood | $2,097 | +9% |
| Fennimore | $2,063 | +7% |
| Wauzeka | $2,127 | +10% |
| Eden | $1,754 | -9% |
| Fredonia | $1,729 | -10% |
| Johnson Creek | $1,703 | -12% |
| Kewaskum | $1,737 | -10% |
| Mayville | $1,755 | -9% |
| Argyle | $2,063 | +7% |
| Belmont | $2,023 | +5% |
| Black Earth | $1,692 | -13% |
| Cottage Grove | $1,612 | -17% |
| Valders | $1,706 | -12% |
| Birnamwood | $2,115 | +10% |
| Rudolph | $1,952 | +2% |
| Summit Lake | $2,043 | +6% |
| Tomahawk | $2,014 | +5% |
| Westboro | $2,172 | +12% |
| Hurley | $2,265 | +17% |
| Waupaca | $2,045 | +6% |
| Muscoda | $2,133 | +11% |
| Spring Green | $2,088 | +8% |
| Dodgeville | $2,055 | +7% |
| Benet Lake | $1,899 | -1% |
| Franklin | $1,876 | -2% |
| Big Bend | $1,713 | -11% |
| Rio | $1,852 | -4% |
| Rock Springs | $2,083 | +8% |
| Forest Junction | $1,701 | -12% |
| Green Valley | $2,040 | +6% |
| Peshtigo | $2,114 | +10% |
| Beldenville | $2,175 | +13% |
| Prescott | $2,103 | +9% |
| River Falls | $2,067 | +7% |
| Nichols | $1,818 | -5% |
| Oconto | $1,954 | +2% |
| Seymour | $1,806 | -6% |
| Sherwood | $1,638 | -16% |
| Suamico | $1,666 | -14% |
| Saint Nazianz | $1,728 | -10% |
| Babcock | $2,079 | +8% |
| Custer | $2,024 | +5% |
| Dorchester | $2,105 | +9% |
| Irma | $2,028 | +6% |
| Owen | $2,113 | +10% |
| Juda | $1,881 | -2% |
| Milton | $1,741 | -10% |
| Mineral Point | $2,070 | +8% |
| Sharon | $1,803 | -6% |
| Waterloo | $1,719 | -11% |
| Collins | $1,732 | -10% |
| Stevens Point | $1,910 | -0% |
| Catawba | $2,220 | +15% |
| Glidden | $2,302 | +18% |
| Hazelhurst | $2,022 | +5% |
| Montreal | $2,268 | +17% |
| Eastman | $2,128 | +10% |
| Gays Mills | $2,187 | +13% |
| Waukau | $1,812 | -6% |
| Francis Creek | $1,712 | -11% |
| Marshfield | $1,925 | +0% |
| Gleason | $2,034 | +6% |
| Marathon | $1,944 | +1% |
| Nelsonville | $2,089 | +8% |
| Wausau | $1,749 | -9% |
| Eland | $2,082 | +8% |
| Jump River | $2,394 | +22% |
| Medford | $2,157 | +12% |
| New Holstein | $1,717 | -11% |
| Plymouth | $1,677 | -13% |
| Saukville | $1,687 | -13% |
| Millston | $2,103 | +9% |
| Taylor | $2,130 | +10% |
| Altoona | $1,724 | -11% |
| Boyceville | $2,236 | +15% |
| Chetek | $2,291 | +18% |
| Fall Creek | $2,061 | +7% |
| Gilmanton | $2,194 | +13% |
| Chippewa Falls | $1,715 | -11% |
| Cameron | $2,280 | +17% |
| Centuria | $2,331 | +19% |
| Waunakee | $1,597 | -18% |
| Benton | $2,024 | +5% |
| Cassville | $2,062 | +7% |
| Cuba City | $2,006 | +4% |
| Beaver Dam | $1,736 | -10% |
| Friendship | $2,077 | +8% |
| Lime Ridge | $2,157 | +12% |
| Shell Lake | $2,353 | +20% |
| Superior | $2,159 | +12% |
| Turtle Lake | $2,286 | +17% |
| Berlin | $2,011 | +5% |
| Butte Des Morts | $1,793 | -7% |
| Coloma | $2,064 | +7% |
| Downsville | $2,217 | +14% |
| Elk Mound | $2,098 | +9% |
| Mondovi | $2,214 | +14% |
| Pigeon Falls | $2,175 | +13% |
| Thorp | $2,144 | +11% |
| Almena | $2,276 | +17% |
| Ontario | $2,132 | +11% |
| Rockland | $2,047 | +6% |
| Steuben | $2,146 | +11% |
| Eau Claire | $1,727 | -11% |
| Bloomer | $2,136 | +11% |
| Dallas | $2,316 | +19% |
| Elmwood | $2,223 | +15% |
| Forestville | $1,833 | -5% |
| Kewaunee | $1,819 | -5% |
| Mishicot | $1,729 | -10% |
| Sister Bay | $1,772 | -8% |
| Aniwa | $2,033 | +6% |
| Elton | $2,039 | +6% |
| Afton | $1,690 | -13% |
| Albany | $1,965 | +2% |
| Evansville | $1,836 | -4% |
| Linden | $2,063 | +7% |
| Livingston | $2,049 | +7% |
| Reeseville | $1,756 | -9% |
| Rewey | $2,068 | +8% |
| Sauk City | $1,873 | -2% |
| Shullsburg | $2,037 | +6% |
| Caledonia | $1,835 | -4% |
| Hales Corners | $1,872 | -2% |
| Baraboo | $2,015 | +5% |
| Briggsville | $2,065 | +7% |
| Fairwater | $1,773 | -8% |
| Fox Lake | $1,748 | -9% |
| Lake Tomahawk | $2,013 | +5% |
| Land O Lakes | $2,290 | +18% |
| Ferryville | $2,168 | +12% |
| Holmen | $1,867 | -3% |
| Kendall | $2,097 | +9% |
| Blanchardville | $2,094 | +9% |
| Fort Atkinson | $1,700 | -12% |
| Jefferson | $1,697 | -12% |
| Mount Horeb | $1,716 | -11% |
| Pickerel | $2,120 | +10% |
| Star Prairie | $2,317 | +19% |
| Houlton | $2,119 | +10% |
| Amberg | $2,213 | +14% |
| Crivitz | $2,206 | +14% |
| Gillett | $1,975 | +3% |
| Krakow | $1,960 | +2% |
| Clyman | $1,736 | -10% |
| Hustisford | $1,756 | -9% |
| Malone | $1,710 | -12% |
| Tunnel City | $2,098 | +9% |
| Conrath | $2,323 | +19% |
| Durand | $2,213 | +14% |
| Independence | $2,203 | +14% |
| Bruce | $2,314 | +19% |
| Cable | $2,375 | +21% |
| Comstock | $2,297 | +18% |
| Cornucopia | $2,280 | +17% |
| Rosendale | $1,741 | -10% |
| Fish Creek | $1,776 | -8% |
| New Franken | $1,719 | -11% |
| Cedar Grove | $1,684 | -13% |
| Iron Ridge | $1,758 | -9% |
| Kohler | $1,607 | -18% |
| Lomira | $1,723 | -11% |
| Oostburg | $1,604 | -18% |
| Random Lake | $1,733 | -10% |
| Theresa | $1,730 | -10% |
| Franksville | $1,823 | -5% |
| Greendale | $1,895 | -1% |
| Salem | $1,886 | -2% |
| Readstown | $2,177 | +13% |
| Stoddard | $2,088 | +8% |
| Bay City | $2,186 | +13% |
| Colfax | $2,192 | +13% |
| Downing | $2,259 | +16% |
| Eau Galle | $2,225 | +15% |
| Eleva | $2,159 | +12% |
| Fairchild | $2,150 | +11% |
| Prairie Farm | $2,340 | +20% |
| Whitehall | $2,165 | +12% |
| Brill | $2,461 | +25% |
| Kellnersville | $1,740 | -10% |
| Arpin | $1,982 | +3% |
| Lancaster | $2,033 | +6% |
| Doylestown | $1,846 | -4% |
| Grand Marsh | $2,101 | +9% |
| La Valle | $2,126 | +10% |
| Lyndon Station | $2,089 | +9% |
| Montello | $2,099 | +9% |
| Oxford | $2,128 | +10% |
| Edgerton | $1,761 | -9% |
| Sayner | $2,279 | +17% |
| Alma | $2,223 | +15% |
| Cashton | $2,103 | +9% |
| Adell | $1,758 | -9% |
| Belgium | $1,703 | -12% |
| Chilton | $1,706 | -12% |
| Delafield | $1,707 | -12% |
| Elkhart Lake | $1,707 | -12% |
| Mount Calvary | $1,735 | -10% |
| Sheboygan Falls | $1,593 | -19% |
| Exeland | $2,324 | +19% |
| Hertel | $2,384 | +22% |
| Milltown | $2,325 | +19% |
| Ojibwa | $2,311 | +19% |
| South Range | $2,253 | +16% |
| Trego | $2,346 | +20% |
| Caroline | $2,086 | +8% |
| Hancock | $2,065 | +7% |
| Withee | $2,137 | +11% |
| Rhinelander | $1,990 | +4% |
| Glen Flora | $2,304 | +18% |
| Iron Belt | $2,289 | +18% |
| Tony | $2,278 | +17% |
| Fountain City | $2,150 | +11% |
| Galesville | $2,103 | +9% |
| Genoa | $2,133 | +11% |
| Reedsburg | $2,072 | +8% |
| Clayton | $2,316 | +19% |
| Cushing | $2,335 | +20% |
| Westfield | $2,103 | +9% |
| Clear Lake | $2,293 | +18% |
| Glenwood City | $2,209 | +14% |
| Osceola | $2,310 | +19% |
| Somerset | $2,172 | +12% |
| Brillion | $1,707 | -12% |
| Cecil | $1,946 | +1% |
| Unity | $2,020 | +5% |
| Fifield | $2,189 | +13% |
| Laona | $2,283 | +17% |
| Manitowish Waters | $2,271 | +17% |
| Presque Isle | $2,287 | +18% |
| Verona | $1,661 | -14% |
| Mount Sterling | $2,149 | +11% |
| Sparta | $2,019 | +5% |
| Plum City | $2,227 | +15% |
| Ridgeland | $2,266 | +17% |
| Strum | $2,189 | +13% |
| Spooner | $2,348 | +20% |
| Poplar | $2,295 | +18% |
| Almond | $2,050 | +7% |
| Bancroft | $2,026 | +5% |
| Clintonville | $2,008 | +5% |
| Ogdensburg | $2,108 | +9% |
| Cascade | $1,753 | -9% |
| Grafton | $1,690 | -13% |
| Oakfield | $1,739 | -10% |
| Oconomowoc | $1,709 | -12% |
| Port Washington | $1,675 | -14% |
| West Bend | $1,705 | -12% |
| Thiensville | $1,786 | -7% |
| Blue Mounds | $1,736 | -10% |
| High Bridge | $2,301 | +18% |
| Mikana | $2,348 | +20% |
| Radisson | $2,322 | +19% |
| Siren | $2,340 | +20% |
| Appleton | $1,577 | -20% |
| Green Lake | $1,954 | +2% |
| Hortonville | $1,784 | -7% |
| Iola | $2,100 | +9% |
| Larsen | $1,761 | -9% |
| Menasha | $1,564 | -20% |
| Neshkoro | $2,082 | +8% |
| Orfordville | $1,814 | -6% |
| Plain | $2,124 | +10% |
| Prairie Du Sac | $1,944 | +1% |
| Boulder Junction | $2,255 | +16% |
| Brownsville | $1,724 | -11% |
| Butler | $1,814 | -6% |
| Germantown | $1,747 | -9% |
| Kiel | $1,724 | -11% |
| North Lake | $1,761 | -9% |
| Browntown | $1,962 | +2% |
| Cambridge | $1,613 | -17% |
| Brodhead | $1,881 | -2% |
| Gotham | $2,125 | +10% |
| Upson | $2,290 | +18% |
| Cochrane | $2,166 | +12% |
| Hustler | $2,123 | +10% |
| Chili | $2,065 | +7% |
| Rosholt | $2,081 | +8% |
| Cobb | $2,058 | +7% |
| Hanover | $1,710 | -11% |
| Lone Rock | $2,126 | +10% |
| Montfort | $2,053 | +7% |
| Stoughton | $1,610 | -18% |
| Reedsville | $1,747 | -9% |
| Amherst Junction | $2,066 | +7% |
| Athens | $2,040 | +6% |
| Blenker | $2,023 | +5% |
| Curtiss | $2,098 | +9% |
| Hannibal | $2,311 | +19% |
| Lublin | $2,176 | +13% |
| Mattoon | $2,085 | +8% |
| Neillsville | $2,104 | +9% |
| Highland | $2,085 | +8% |
| Lodi | $1,817 | -5% |
| Marshall | $1,619 | -17% |
| Monroe | $1,914 | -0% |
| Morrisonville | $1,675 | -14% |
| Ixonia | $1,736 | -10% |
| Neosho | $1,763 | -8% |
| Bassett | $1,859 | -3% |
| Hillsboro | $2,173 | +12% |
| Windsor | $1,598 | -18% |
| Conover | $2,274 | +17% |
| Harshaw | $2,032 | +6% |
| Star Lake | $2,311 | +19% |
| Arcadia | $2,136 | +11% |
| Black River Falls | $2,090 | +9% |
| Ettrick | $2,180 | +13% |
| Hixton | $2,121 | +10% |
| Wales | $1,705 | -12% |
| Whitewater | $1,747 | -9% |
| Dickeyville | $2,025 | +5% |
| Potosi | $2,044 | +6% |
| Prairie Du Chien | $2,059 | +7% |
| White Lake | $2,045 | +6% |
| Mellen | $2,290 | +18% |
| Phelps | $2,270 | +17% |
| Mount Hope | $2,072 | +8% |
| Adams | $2,080 | +8% |
| Columbus | $1,791 | -7% |
| Endeavor | $2,085 | +8% |
| Hillpoint | $2,123 | +10% |
| Van Dyne | $1,659 | -15% |
| Wild Rose | $2,044 | +6% |
| Winnebago | $1,649 | -15% |
| Allenton | $1,705 | -12% |
| Cleveland | $1,691 | -13% |
| Jackson | $1,731 | -10% |
| Saint Cloud | $1,745 | -9% |
| Arena | $2,084 | +8% |
| De Forest | $1,585 | -19% |
| Edmund | $2,075 | +8% |
| Clinton | $1,738 | -10% |
| Dane | $1,670 | -14% |
| Mc Farland | $1,625 | -17% |
| Mazomanie | $1,712 | -11% |
| Monticello | $1,973 | +3% |
| Richland Center | $2,135 | +11% |
| Waupun | $1,737 | -10% |
| Dresser | $2,317 | +19% |
| Saint Croix Falls | $2,328 | +19% |
| Wilson | $2,179 | +13% |
| Mindoro | $2,068 | +7% |
| Wilton | $2,104 | +9% |
| Arkansaw | $2,242 | +16% |
| Sheldon | $2,332 | +19% |
| Ashland | $2,247 | +16% |
| Gordon | $2,397 | +22% |
| La Pointe | $2,251 | +16% |
| Odanah | $2,261 | +16% |
| Washburn | $2,254 | +16% |
| Neenah | $1,576 | -20% |
| Sullivan | $1,739 | -10% |
| Trevor | $1,849 | -4% |
| Colgate | $1,689 | -13% |
| Glenbeulah | $1,741 | -10% |
| Hubertus | $1,709 | -12% |
| Lannon | $1,722 | -11% |
| Okauchee | $1,741 | -10% |
| Richfield | $1,697 | -12% |
| Rubicon | $1,767 | -8% |
| Waldo | $1,698 | -12% |
| Saint Francis | $2,127 | +10% |
| Elkhorn | $1,806 | -6% |
| Genoa City | $1,840 | -4% |
| South Milwaukee | $1,942 | +1% |
| Union Grove | $1,807 | -6% |
| Winneconne | $1,804 | -6% |
| Weyauwega | $2,051 | +7% |
| Grantsburg | $2,339 | +20% |
| Marengo | $2,296 | +18% |
| Stone Lake | $2,315 | +19% |
| Webster | $2,370 | +21% |
| Manawa | $2,079 | +8% |
| New London | $1,989 | +4% |
| Soldiers Grove | $2,181 | +13% |
| Trempealeau | $2,107 | +9% |
| Cadott | $2,154 | +12% |
| Maiden Rock | $2,209 | +14% |
| Nelson | $2,235 | +15% |
| New Auburn | $2,269 | +17% |
| Birchwood | $2,315 | +19% |
| Couderay | $2,306 | +18% |
| Viola | $2,169 | +12% |
| Westby | $2,136 | +11% |
| Cornell | $2,235 | +15% |
| Holcombe | $2,310 | +19% |
| Osseo | $2,163 | +12% |
| Wheeler | $2,263 | +16% |
| Barron | $2,293 | +18% |
| Necedah | $2,111 | +10% |
| Norwalk | $2,103 | +9% |
| Onalaska | $1,785 | -7% |
| Warrens | $2,118 | +10% |
| Augusta | $2,140 | +11% |
| Jim Falls | $2,129 | +10% |
| Knapp | $2,220 | +15% |
| Menomonie | $2,120 | +10% |
| Spring Valley | $2,195 | +13% |
| Stanley | $2,212 | +14% |
| Stockholm | $2,243 | +16% |
| Bayfield | $2,281 | +17% |
| Benoit | $2,327 | +19% |
| Ridgeway | $2,087 | +8% |
| Ellison Bay | $1,782 | -7% |
| Luxemburg | $1,820 | -5% |
| Sturgeon Bay | $1,773 | -8% |
| Milladore | $1,991 | +4% |
| Nekoosa | $2,045 | +6% |
| Mason | $2,363 | +21% |
| Springbrook | $2,342 | +20% |
| King | $2,083 | +8% |
| Leopolis | $2,022 | +5% |
| Pickett | $1,757 | -9% |
| Pine River | $2,049 | +7% |
| Readfield | $2,002 | +4% |
| Kansasville | $1,773 | -8% |
| Sturtevant | $1,866 | -3% |
| Scandinavia | $2,093 | +9% |
| Cumberland | $2,305 | +18% |
| Danbury | $2,342 | +20% |
| Hayward | $2,312 | +19% |
| Port Wing | $2,345 | +20% |
| Fremont | $1,972 | +3% |
| Mather | $2,137 | +11% |
| Viroqua | $2,145 | +11% |
| West Salem | $1,837 | -4% |
| Boyd | $2,203 | +14% |
| Barronett | $2,328 | +19% |
| Brule | $2,348 | +20% |
| Ephraim | $1,780 | -7% |
| Maplewood | $2,016 | +5% |
| Maribel | $1,743 | -10% |
| Two Rivers | $1,691 | -13% |
| Brokaw | $1,880 | -2% |
| Granton | $2,090 | +9% |
| Greenwood | $2,119 | +10% |
| Mosinee | $1,963 | +2% |
| Phlox | $2,009 | +5% |
| Pittsville | $2,064 | +7% |
| Rib Lake | $2,156 | +12% |
| Vesper | $2,020 | +5% |
| Argonne | $2,268 | +17% |
| Clam Lake | $2,363 | +21% |
| Lac Du Flambeau | $2,249 | +16% |
| Mc Naughton | $2,003 | +4% |
| Prentice | $2,223 | +15% |
| Alma Center | $2,105 | +9% |
| Coon Valley | $2,015 | +5% |
| De Soto | $2,143 | +11% |
| Saxon | $2,288 | +18% |
| Tripoli | $2,065 | +7% |
| Wabeno | $2,278 | +17% |
| Chaseburg | $2,138 | +11% |
| Glen Haven | $2,061 | +7% |
| Elroy | $2,112 | +10% |
| Poynette | $1,833 | -5% |
| Friesland | $1,911 | -0% |
| Melrose | $2,140 | +11% |
| Tomah | $2,024 | +5% |
| Humbird | $2,152 | +11% |
| Merrillan | $2,122 | +10% |
| Pepin | $2,254 | +16% |
| Balsam Lake | $2,339 | +20% |
| Grand View | $2,365 | +21% |
| Herbster | $2,330 | +19% |
| Luck | $2,344 | +20% |
| Sarona | $2,334 | +20% |
| Greenville | $1,683 | -13% |
| Omro | $1,732 | -10% |
| Princeton | $2,027 | +6% |
Average car insurance costs by age and gender in Wisconsin
Your age and gender can significantly impact your cost of auto insurance in WI. Young drivers (especially teens and young adults starting their own policy) typically face the steepest rates. It's simply a numbers game: less experience behind the wheel often means insurers take on more risk to supply you coverage. By contrast, drivers in their 40s through 70s usually enjoy much friendlier premiums, having proven themselves as lower-risk customers over years of driving.
Gender plays its part, too. Male drivers, particularly young ones, tend to pay more than women of the same age. Insurance companies base this on decades of data showing that men are more likely to take risks on the road. Given how these factors affect pricing, it's worth exploring multiple insurers to find one that views your particular age and gender combination most favorably.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in Wisconsin
$4,126
|
Average minimum coverage premium in Wisconsin
$1,083
|
|
Age 18
|
Average annual full coverage premium in Wisconsin
$6,476
|
Average minimum coverage premium in Wisconsin
$1,565
|
|
Age 20
|
Average annual full coverage premium in Wisconsin
$4,595
|
Average minimum coverage premium in Wisconsin
$1,080
|
|
Age 25
|
Average annual full coverage premium in Wisconsin
$2,509
|
Average minimum coverage premium in Wisconsin
$578
|
|
Age 30
|
Average annual full coverage premium in Wisconsin
$2,071
|
Average minimum coverage premium in Wisconsin
$469
|
|
Age 40
|
Average annual full coverage premium in Wisconsin
$1,939
|
Average minimum coverage premium in Wisconsin
$446
|
|
Age 50
|
Average annual full coverage premium in Wisconsin
$1,786
|
Average minimum coverage premium in Wisconsin
$422
|
|
Age 60
|
Average annual full coverage premium in Wisconsin
$1,710
|
Average minimum coverage premium in Wisconsin
$418
|
|
Age 70
|
Average annual full coverage premium in Wisconsin
$1,866
|
Average minimum coverage premium in Wisconsin
$480
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in AL
$4,225
|
Average minimum coverage premium in AL
$1,289
|
|
Age 18
|
Average annual full coverage premium in AL
$5,846
|
Average minimum coverage premium in AL
$1,649
|
|
Age 20
|
Average annual full coverage premium in AL
$3,832
|
Average minimum coverage premium in AL
$1,044
|
|
Age 25
|
Average annual full coverage premium in AL
$2,457
|
Average minimum coverage premium in AL
$639
|
|
Age 30
|
Average annual full coverage premium in AL
$2,153
|
Average minimum coverage premium in AL
$532
|
|
Age 40
|
Average annual full coverage premium in AL
$2,024
|
Average minimum coverage premium in AL
$508
|
|
Age 50
|
Average annual full coverage premium in AL
$1,884
|
Average minimum coverage premium in AL
$481
|
|
Age 60
|
Average annual full coverage premium in AL
$1,801
|
Average minimum coverage premium in AL
$469
|
|
Age 70
|
Average annual full coverage premium in AL
$1,949
|
Average minimum coverage premium in AL
$544
|
Bankrate’s take: Car insurance rates are based on risk, so insurers charge more for drivers they believe are more likely to file a claim. Statistically, male drivers, especially young male drivers, get into more accidents, which means insurers charge higher premiums for male drivers than females.
Cost considerations for young drivers in Wisconsin
Because younger people have limited driving experience, they tend to pay some of the highest premiums. Minors cannot get car insurance on their own; they must be added to a parent or guardian’s policy — and it’s not cheap. Once a driver turns 18, they may purchase their own policy. However, it’s typically much more economical to remain on their parents’ insurance as long as they’re able. Some insurers require that young drivers live in the same home as the policyholder to be eligible, though.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in Wisconsin
$3,962
|
|
Age 17
|
Avg. annual premium for drivers in Wisconsin
$3,681
|
|
Age 18
|
Avg. annual premium for drivers in Wisconsin
$3,358
|
|
Age 19
|
Avg. annual premium for drivers in Wisconsin
$3,000
|
|
Age 20
|
Avg. annual premium for drivers in Wisconsin
$2,850
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in Wisconsin
$6,067
|
|
Age 19
|
Avg. annual premium for drivers in Wisconsin
$4,800
|
|
Age 20
|
Avg. annual premium for drivers in Wisconsin
$4,314
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 81 percent more |
| Age 19 | 60 percent more |
| Age 20 | 51 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Wisconsin?
Because insurance is all about risk, insurers review your driving history when calculating your rate. Those with clean driving records pay less for insurance because they are viewed as less likely to get into accidents or file claims. In contrast, things like speeding tickets, accidents and DUIs will cause your rate to increase. The more serious the incident, the greater the upcharge, and you may even be required to file an SR-22 certificate to get back on the road.
The table below shows how various incidents can affect Wisconsin's average cost of car insurance compared to maintaining a clean driving record.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in Wisconsin
$1,918
|
Percentage increase from Wisconsin avg. annual premium*
0%
|
|
Avg. annual premium* in Wisconsin
$2,307
|
Percentage increase from Wisconsin avg. annual premium*
20%
|
|
|
Avg. annual premium* in Wisconsin
$2,719
|
Percentage increase from Wisconsin avg. annual premium*
42%
|
|
|
Avg. annual premium* in Wisconsin
$3,899
|
Percentage increase from Wisconsin avg. annual premium*
103%
|
Car insurance rates in Wisconsin by credit score
Another factor that impacts your cost of car insurance in WI is your credit history. Statistics have shown that those with less-than-optimal credit are more likely to file claims. Therefore, insurers charge drivers with excellent credit less and drivers with average or poor credit more. On average, the rate increase for poor credit is particularly severe in Wisconsin.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in Wisconsin
$3,446
|
Percentage change from Wisconsin average annual premium*
80%
|
|
|
Average
|
Avg. annual premium* in Wisconsin
$2,115
|
Percentage change from Wisconsin average annual premium*
10%
|
|
Avg. annual premium* in Wisconsin
$1,918
|
Percentage change from Wisconsin average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in Wisconsin
$1,622
|
Percentage change from Wisconsin average annual premium*
-15%
|
Wisconsin car insurance rates by vehicle type
The make and model of the vehicle you drive impacts your car insurance rate, as well. A vehicle’s value, safety ratings, repair costs, theft rate and more are taken into consideration. That said, if you're in the market for a new car, considering average insurance rates by make and model may help you keep your car insurance bills in check.
|
|
|
|---|---|
|
Avg. annual premium* in Wisconsin
$1,918
|
|
|
Avg. annual premium* in Wisconsin
$1,887
|
|
|
Avg. annual premium* in Wisconsin
$1,713
|
|
|
BMW 330i
|
Avg. annual premium* in Wisconsin
$2,484
|
|
Toyota Prius
|
Avg. annual premium* in Wisconsin
$2,022
|
Estimate your car insurance cost in Wisconsin
Auto insurance is a significant part of the cost of owning a car. You’ll need to buy coverage before you’re legally allowed to drive. While reviewing average rates is helpful, figuring out how much you’ll actually pay can be tricky. Bankrate’s calculator tool can provide a more accurate estimate.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in Wisconsin
Wisconsin drivers looking for ways to save on car insurance might consider the following strategies:
- Raise your deductible: A higher deductible typically means lower monthly premiums. One thing to keep in mind here is to be sure you can handle the larger out-of-pocket expense if you need to file a claim.
- Shop around for quotes: Insurance rates can vary dramatically between companies, even for identical coverage. Spending some time gathering quotes could save you hundreds of dollars a year. Before automatically renewing, ensure your insurer is still providing you with the best policy for the right price.
- Leverage discounts: Most insurers offer various discounts, from bundling your home and auto policies to going paperless. These savings could really add up. Even if you already have some discounts, check annually. You might qualify for new ones you didn't before.
- Consider telematics programs: If you're confident in your driving habits or don't rack up many miles, you could look into usage-based insurance programs. These track your driving through an app or device and could lead to savings for safe, low-mileage drivers.
- Maintain good credit: Your credit score affects your insurance rates in Wisconsin, whether you like it or not. Keeping your credit healthy can help keep your premiums in check.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze January 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
