Henryk Sadura/Getty Images

In 2017, there were 6 million vehicles registered in the state of Wisconsin. Not surprisingly, more than 10 percent of all vehicles in the state are in Milwaukie county, which is home to the state’s largest city.

Average car insurance rates in Wisconsin are lower than in many other states. The rates are most similar to other Midwestern states like Ohio and Indiana, which is good for Wisconsinites. Much of the Midwest has some of the lowest auto insurance rates in the nation.

When we looked at the national rates for the top car insurers across all age groups, Wisconsin's average rates were lower than the national average. The national average car insurance rate from the top 10 insurers was about $3,950. Wisconsin’s statewide average rate is about $2,960, which is nearly $1,000 less. This thousand-dollar difference holds across nearly every demographic in our study, and in some cases Wisconsin’s average rates were much lower than the national average.

Get Free Insurance Quotes

Get great auto insurance coverage at an even better price.

Average Annual Car Insurance Rates in Wisconsin

Company

Average Rate

American Family

$1,513.27

USAA

$1,984.62

Geico

$2,120.80

State Farm

$2,126.32

Liberty Mutual

$2,924.39

Progressive

$3,128.91

Farmers

$3,777.49

Allstate

$3,820.68

Nationwide

$5,224.99

How We Found the Cheapest Car Insurance in Wisconsin

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

How Much Does Car Insurance Cost in Wisconsin?

Our study showed that average car insurance rates for young drivers can vary widely across the top insurers. Rates for a 17-year-old male in Wisconsin were as low as $3,135 from American Family and as high as $11,333 from Nationwide, with other insurers offering rates at nearly every price point in between. Wisconsin's average of $6,767 for this most-expensive demographic was still far less than the national average of about $9,000 for young male drivers.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Average Annual Car Insurance Rates in Wisconsin for a 17-Year-Old

Company

Single 17-year-old female

Single 17-year-old male

Allstate

$7,334.19

$9,404.12

American Family

$2,844.04

$3,134.61

Farmers

$9,058.32

$9,384.83

Geico

$4,301.84

$4,635.16

Liberty Mutual

$5,989.99

$6,720.07

Nationwide

$7,388.96

$11,333.17

Progressive

$6,692.88

$7,551.66

State Farm

$3,833.87

$4,845.21

USAA

$3,367.36

$3,901.46

Rates drop quickly for 25-year-old drivers, which is common everywhere in the United States and for all insurance companies. At this age, most drivers have nearly a decade of driving experience and are much less likely to get into an accident and file a claim. Average rates in Wisconsin are around $2,000 until drivers reach age 60, when rates fall to about $1,600.

Wisconsin drivers who put a lot of mileage on their car won’t see a big jump in rates, if any at all, compared to drivers who don't. Several of the biggest insurers in the state, including Farmers, Liberty Mutual, Nationwide, and Progressive, have the same average rate whether you drive 6,000 miles per year or 12,000. The average rate for both mileage groups hovers at just under $3,000 in Wisconsin.

Average Annual Car Insurance Rates in Wisconsin Based on Miles Driven

Company

6,000 miles annually

12,000 miles annually

Allstate

$3,728.72

$3,912.63

American Family

$1,487.57

$1,538.96

Farmers

$3,777.49

$3,777.49

Geico

$2,077.44

$2,164.15

Liberty Mutual

$2,924.39

$2,924.39

Nationwide

$5,224.99

$5,224.99

Progressive

$3,128.91

$3,128.91

State Farm

$2,074.01

$2,178.62

USAA

$1,958.85

$2,010.39

There’s also not much difference between choosing low insurance coverage or high coverage. On average, the rate for high coverage is $300 more than low coverage. There was one outlier in our study for this type of coverage. American Family’s average rate for low coverage was $1,494, while its high coverage averages was $1,518. That’s a difference of only $25. Given the high costs associated with car accidents – like medical bills and auto repairs – getting extra coverage is likely worth it.

Average Annual Car Insurance Rates in Wisconsin Based on Coverage Level

Company

Low

Medium

High

Allstate

$3,654.68

$3,811.28

$3,996.07

American Family

$1,493.77

$1,527.11

$1,518.91

Farmers

$3,483.48

$3,748.00

$4,100.98

Geico

$1,978.72

$2,119.69

$2,263.97

Liberty Mutual

$2,688.32

$2,951.27

$3,133.59

Nationwide

$5,067.78

$5,223.68

$5,383.51

Progressive

$2,937.23

$3,154.18

$3,295.33

State Farm

$2,009.33

$2,132.87

$2,236.73

USAA

$1,910.55

$1,986.37

$2,056.95

Credit history does make a difference in Wisconsin. Those with good credit pay about $2,400 on average, while drivers with poor credit pay $3,775 on average. A few insurers, like Progressive, Farmers, and American Family, have smaller spreads between good and poor credit rates. For example, Progressive’s average rate for those with good credit is about $2,800, while the average rate for those with poor credit is $3,560, or about $750 more. In contrast, Liberty Mutual’s average rate for drivers with poor credit is $2,214 more than for those with good credit.

Average Annual Car Insurance Rates in Wisconsin Based on Credit Score

Company

Good

Fair

Poor

Allstate

$2,993.20

$3,450.95

$5,017.88

American Family

$1,178.86

$1,334.71

$2,026.23

Farmers

$3,451.72

$3,609.50

$4,271.24

Geico

$1,593.81

$1,985.07

$2,783.50

Liberty Mutual

$2,005.82

$2,546.86

$4,220.49

Nationwide

$4,900.57

$4,900.57

$5,873.82

Progressive

$2,806.94

$3,020.30

$3,559.49

State Farm

$1,386.69

$1,820.90

$3,171.35

USAA

$1,288.58

$1,612.94

$3,052.35

Wisconsin insurers are relatively forgiving of drivers who make mistakes. Having one speeding violation raised average rates by about $430, while having an accident raised average rates by around $668. A DUI conviction does the most damage to average rates, adding nearly $800 to the average cost of car insurance.

Average Annual Car Insurance Rates in Wisconsin Based on Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$3,121.09

$3,867.28

$4,288.02

$4,006.31

American Family

$1,447.69

$1,535.12

$1,535.12

$1,535.12

Farmers

$3,291.98

$3,725.87

$4,156.55

$3,935.54

Geico

$1,468.48

$1,909.84

$2,378.98

$2,725.87

Liberty Mutual

$2,235.20

$2,985.72

$3,178.56

$3,298.08

Nationwide

$4,417.75

$5,109.89

$5,109.89

$6,262.41

Progressive

$2,864.87

$3,206.37

$3,470.52

$2,973.89

State Farm

$1,955.72

$2,126.31

$2,296.91

$2,126.31

USAA

$1,554.36

$1,773.31

$1,959.72

$2,651.10

Wisconsin Auto Insurance Minimum Coverage Requirements

Wisconsin requires more insurance than many states do, and you must have proof of insurance. These are the minimum requirements for Wisconsin:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability
  • $25,000 uninsured motorist per person
  • $50,000 uninsured motorist per accident

Wisconsin is an at-fault state, which means that the person who caused the accident must use their insurance to pay for repairs and medical bills. If that person doesn’t have insurance (in violation of state law), you can use your own uninsured motorist coverage to pay your bills.

Cheapest Car Insurance in Wisconsin

As in most states, Wisconsin drivers see significant auto insurance savings once they reach middle age. Rates for 35-year-old married men and women are just under $1,900 on average in Wisconsin. Those rates drop even further for Wisconsinites at 60 years old.

Average Annual Car Insurance Rates in Wisconsin Based on Age

Company

Single 17-year-old female

Single 17-year-old male

Single 25-year-old female

Single 25-year-old male

Married 35-year-old female

Married 35-year-old male

Married 60-year-old female

Married 60-year-old male

Allstate

$7,334.19

$9,404.12

$2,294.78

$2,492.10

$2,260.76

$2,382.47

$2,088.63

$2,308.36

American Family

$2,844.04

$3,134.61

$1,135.28

$1,209.31

$958.90

$1,002.57

$907.25

$914.15

Farmers

$9,058.32

$9,384.83

$2,174.00

$2,277.36

$1,914.63

$1,915.25

$1,697.53

$1,797.98

Geico

$4,301.84

$4,635.16

$1,195.24

$1,231.20

$1,292.65

$1,428.00

$1,341.28

$1,540.98

Liberty Mutual

$5,989.99

$6,720.07

$1,882.36

$2,040.80

$1,770.81

$1,933.27

$1,431.26

$1,626.57

Nationwide

$7,388.96

$11,333.17

$4,379.28

$5,192.67

$3,597.48

$3,785.31

$2,981.78

$3,141.26

Progressive

$6,692.88

$7,551.66

$2,112.73

$2,290.54

$1,760.63

$1,676.02

$1,442.61

$1,504.23

State Farm

$3,833.87

$4,845.21

$1,516.77

$1,732.41

$1,345.30

$1,345.30

$1,195.81

$1,195.81

USAA

$3,367.36

$3,901.46

$1,705.43

$1,869.61

$1,315.46

$1,311.44

$1,193.74

$1,212.48

Drivers who put about 12,000 miles a year on the odometer won’t be punished for it when it comes to car insurance. The difference between driving 6,000 miles a year and 12,000 miles a year is only about $50 in Wisconsin. About half of the major auto insurance companies in our study have the same low average rates for either mileage.

We also found little difference between average rates for low and high coverage in the state. Adding extra coverage to your auto policy is less expensive in Wisconsin than it is in some other states. The average for low coverage is about $2,800, while high coverage averages about $3,100.

Many parts of Wisconsin are rural, and fewer cars means fewer accidents. That translates to lower rates. In our study, the smaller cities of Sheboygan, Green Bay, and Appleton had the lowest average rates in the state. Sheboygan County, for example, has only 118,000 registered vehicles, and the city’s average insurance rate was about $2,500.

In contrast, we found that average auto insurance rates in the state’s largest city, Milwaukie, are about $4,200. That’s the most expensive average in the state by far. It’s nearly $1,000 more than the next most expensive rates, found in Greenfield and Kenosha, where average rates from top insurance companies are about $3,300.

We should note that in Wisconsin, rates take into account everyone in the household, including spouses. So even if your record is spotless, if your husband or wife has speeding tickets or a DUI, that’s going to be included in the calculation for your insurance rate.

Get Free Insurance Quotes

Get great auto insurance coverage at an even better price.

Average Annual Car Insurance Rates in Wisconsin by City

City

Average Rate

Sheboygan

$2,494.36

Green Bay

$2,541.34

Appleton

$2,570.34

Oshkosh

$2,609.71

Fond du Lac

$2,618.81

Janesville

$2,727.86

La Crosse

$2,732.96

Beloit

$2,740.46

Eau Claire

$2,753.50

Waukesha

$2,767.11

Madison

$2,799.36

New Berlin

$2,824.59

Wausau

$2,840.74

Menomonee Falls

$2,849.93

Brookfield

$2,888.66

Franklin

$3,166.57

Oak Creek

$3,194.16

Kenosha

$3,245.87

Greenfield

$3,358.65

Milwaukee

$4,161.26

Why Car Insurance Rates Vary in Wisconsin

While the size of a city matters when it comes to auto insurance rates, your demographic profile and driving history matter as much, if not more. As we’ve noted, age makes a huge difference, with 17-year-old drivers in Wisconsin paying an average car insurance rate of about $6,000. The rate drops to a little more than $2,000 when drivers turn 25. Of course, those average rates vary by provider, with American Family’s average rate for a 35-year-old married female at $960. On the other end of the scale, Nationwide’s average rate for that same driver is $3,600.

Auto insurance rates generally rise after an accident, a speeding ticket, or a DUI conviction, and most insurers penalize some incidents more than others. The average car insurance rate for drivers with a clean record at Farmers, for example, is $3,292. If you get into an accident, that rate rises to $4,157. With a DUI conviction, Farmers’ average car insurance rate only goes up to $3,936. Geico, on the other hand, penalizes the DUI conviction more heavily. Its average car insurance rate for a driver with one accident is $2,379, or about $900 more than they charge for drivers with a clean record. The average Geico rate for a DUI is $2,725 – about $350 more than the driver with an accident and $1,250 more than the driver with a clean record.

American Family is a little different, however. They treat all three infractions the same. American Family’s average car insurance rate for a driver with a clean record is $1,448. You'll see that rate rise to $1,535 whether you receive one speeding ticket, get in one accident, or earn one DUI conviction.

How to Get the Cheapest Car Insurance in Wisconsin

One of the most common car insurance discounts in Wisconsin is bundling. Bundling discounts apply to customers who buy multiple insurance policies – auto paired with homeowners or renters, for example – through the same company. You can also get a discount for insuring multiple vehicles with the same company. How you pay counts as well. Many insurers offer discounts to those who pay their premium upfront each year or sign up for automatic electronic payments.

You can often find discounts for being a good student, and many large employers and organizations offer discounts on car insurance too.

JamesBrey/Getty Images

Of course, being an accident-free driver will help lower your rates. For most insurers, this means not filing a claim for a period of several months, with each period you remain accident-free further reducing your rate. You can also opt to use an app or other device to track your driving habits and report them to the insurance company. Driving during daylight hours and under 80 miles per hour, plus braking smoothly, all contribute to fewer accidents, fewer claims, and lower rates.

You can also choose a higher deductible, which is the money you pay out of pocket when you file a claim. If you assume more of the financial risk, the insurance company will lower your premiums.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Important Laws Around Auto Insurance in Wisconsin

Wisconsin does allow drivers to use a digital insurance card on their smart devices instead of a plastic or paper card.

It’s also an at-fault state, which means that the driver who caused the accident is the one whose insurance must pay for repairs and medical bills. If the driver who is at fault doesn’t have insurance, the Wisconsin-required uninsured motorist coverage will cover the costs related to the accident.

Like many states, Wisconsin requires SR22 non-owner insurance when your driver’s license is suspended. This usually occurs after something like a DUI conviction or being involved in an accident without proof of insurance.

Wisconsin Driving Laws and Punishments

In Wisconsin, texting while driving is a primary offense. That means if a police officer sees you texting while driving, they can pull you over and cite you. They don't need another reason, such as speeding or running a traffic light.

Sean Pavone/Getty Images

Driving under the influence is called OWI – operating while intoxicated – in Wisconsin. Like in many states, .08 percent blood alcohol content is enough for an OWI conviction. In addition, if you’ve had three OWI convictions already and are pulled over with a blood alcohol content of .02 percent or more, that’s enough for yet another conviction. Wisconsin has a zero-tolerance policy for underage drivers who drink and drive. Drivers under the age of 21 must maintain “absolute sobriety” – no alcohol at all while driving.

For a first OWI offense, your driver’s license will be revoked. Any subsequent offenses can lead to jail time and seizure of vehicles.

Wisconsin Car Insurance FAQs

Is car insurance required in Wisconsin?

Yes, Wisconsin requires motorists to carry liability and uninsured motorist coverage.

Which cars are required to be insured in Wisconsin?

Any car that can be driven in Wisconsin must be insured. You can choose to suspend insurance coverage for cars in long-term storage.

When should I get car insurance in Wisconsin?

You should buy car insurance in Wisconsin as soon as you buy a car or move to the state and change your residency.

What happens if my car is not properly insured in Wisconsin?

If you cause an accident in Wisconsin and are not insured, your license can be suspended and your vehicle registrations revoked. You will also be on the hook for monetary damages associated with the accident, which can mean losing assets or having your wages garnished if you don’t have enough money to pay.

Is Wisconsin a no-fault state?

No, Wisconsin is an at-fault state.

Do I need uninsured motorist coverage in Wisconsin?

Yes, uninsured motorist coverage is required by law in Wisconsin.

Is liability insurance required in Wisconsin?

Yes, liability insurance is required in Wisconsin.

Does Wisconsin accept digital insurance cards?

Yes, Wisconsin does accept digital insurance cards.

Get Free Insurance Quotes

Get great auto insurance coverage at an even better price.

More Shopping Tools From U.S. News & World Report

If you need to do more research, our rankings and reviews are a great place to start. If you’re ready to buy, check out our new car lease deals and purchase deals pages.

Our Best Price Program can also save you money. You can get a pre-negotiated price on your car at a local dealer. On average, buyers have saved more than $3,000 off MSRP using the Best Price Program.

In addition to savings off MSRP, getting the best interest rate on your car loan can save you thousands. Compare rates from up to four lenders with myAutoloan to get the best deal.