For a 40-year-old driver with a clean record, Wisconsin car insurance averages about $184 a month ($2,210 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 21% below the national average in our data. It’s lower than in Illinois, Iowa, Michigan and Minnesota. Progressive has the lowest full-coverage average among the six major insurers we compared (Acuity, Allstate, American Family, Erie, GEICO and Progressive), at about $122 a month.
Wisconsin car insurance: key numbers
- Full coverage: about $184 a month ($2,210 a year)
- Liability only (25/50/10): about $46 a month
- Lowest-priced insurer: Progressive has the lowest full-coverage average among the six major insurers we compared, at about $122 a month
- Recent price change: −3.2% for full coverage (same insurers and ZIP codes)
- Most and least expensive counties: Milwaukee County (about $231 a month) and Brown County (about $153)
Where you live matters. Milwaukee County costs the most in our data, at about $231 a month, and several northwest counties aren’t far behind, such as Polk County ($224) and Barron County ($218). The Fox Valley and Green Bay area costs the least: Brown County averages $153 and Outagamie County $156. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.
Cost data comes from the auto rates insurers file with state regulators, priced across 272 Wisconsin ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Average Cost of Car Insurance in Wisconsin
Full coverage in Wisconsin averages $2,210 a year, or about $184 a month, for our benchmark driver. Liability-only coverage at Wisconsin’s 25/50/10 minimum averages $554 a year ($46 a month), and 50/100/50 liability with comprehensive and collision averages $2,262 ($189 a month).
- Full coverage (100/300/100, $500 deductibles): $2,210 a year ($184 a month)
- 50/100/50 with $500 deductibles: $2,262 a year ($189 a month)
- Liability only (25/50/10): $554 a year ($46 a month)
- Milwaukee: $2,928 a year ($244 a month) for full coverage
- Madison: $2,055 a year ($171 a month) for full coverage
- National average: $2,806 a year ($234 a month) for full coverage
How Wisconsin Compares With Neighboring States
Full-coverage averages: Wisconsin and its neighbors
Monthly, for the same benchmark driver and car in each state. Select a state to see its guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Wisconsin’s average is about $17 a month below Illinois’, $12 below Iowa’s, $170 below Michigan’s and $39 below Minnesota’s. It’s the 16th-lowest of the 50 states and Washington, D.C., in our data.
Cheapest Car Insurance in Wisconsin: Companies Compared
- Lowest average among these six insurers, full coverage: Progressive, at about $122 a month ($1,459 a year).
- Next lowest: Erie, at about $157 a month, then GEICO at $168.
- Lowest liability-only average (25/50/10): Progressive, at about $22 a month, then Erie at $30.
- State Farm (Nov. 2025 rates)*: about $141 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $88 a month, Travelers at $96 and Auto-Owners at $221 (USAA sells only to military families).
- Most expensive in our data: Allstate and American Family, effectively tied at about $235 and $230 a month for full coverage.
Progressive has the lowest full-coverage average among the six insurers in our Wisconsin rate data. The published 2026 statewide Wisconsin rate studies we reviewed most often rank GEICO or Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts American Family first. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $22 a month, followed by Erie at $30.
Full-coverage averages by insurer in Wisconsin
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $266 | $22 | $1,459 | $122 |
| Erie | $357 | $30 | $1,882 | $157 |
| GEICO | $519 | $43 | $2,012 | $168 |
| Acuity | $496 | $41 | $2,334 | $195 |
| American Family | $749 | $62 | $2,754 | $230 |
| Allstate | $936 | $78 | $2,820 | $235 |
| State Farm (Nov. 2025 rates)* | $377 | $31 | $1,690 | $141 |
| USAA (military families)* | $289 | $24 | $1,059 | $88 |
| Travelers* | $442 | $37 | $1,156 | $96 |
| Auto-Owners* | $613 | $51 | $2,646 | $221 |
| Wisconsin average | $554 | $46 | $2,210 | $184 |
These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Wisconsin’s Major Car Insurers Compare
Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.
Progressive
Full coverage down 11.1% in the past 9 months $122/mo full coverageThe lowest full-coverage average statewide among 6 major insurers, and first for liability-only coverage. It cut its full-coverage average 11.1% in the past 9 months and cut its liability-only average 3.3%.
Erie
New in the past 9 months $157/mo full coverageSecond of six for full coverage and second among 6 major insurers for liability-only coverage statewide. It’s new in our rates in the past 9 months, so we can’t compare its prices over time.
GEICO
Full coverage unchanged in the past 9 months $168/mo full coverageThird of six for full coverage and fourth among 6 major insurers for liability-only coverage statewide. Its full-coverage average is the same as nine months earlier.
Acuity
New in the past 9 months $195/mo full coverageFourth of six for full coverage and third among 6 major insurers for liability-only coverage statewide. Because it first appeared in our rates within the past 9 months, we can’t compare its prices over time.
American Family
Full coverage down 4.1% in the past 9 months $230/mo full coverageEffectively tied with Allstate for fifth of six for full coverage and fifth among 6 major insurers for liability-only coverage statewide. It cut its full-coverage average 4.1% in the past 9 months and raised its liability-only average 2.5%.
Allstate
Full coverage unchanged in the past 9 months $235/mo full coverageEffectively tied with American Family for fifth of six for full coverage and sixth among 6 major insurers for liability-only coverage statewide. Its full-coverage average was no different nine months earlier.
Also selling in Wisconsin
Priced from published studiesOur statewide figures are about $88 a month for USAA, $96 for Travelers and $221 for Auto-Owners. State Farm’s latest rates, from November 2025, average about $141 a month.
USAA reviewAre Car Insurance Rates Going Up in Wisconsin?
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Wisconsin ZIP codes, their full-coverage average fell from $2,336 a year nine months earlier to $2,261 in rates as of Aug. 31, 2026, a 3.2% drop. Progressive cut its Wisconsin average 11.1% and American Family 4.1%, while Allstate’s and GEICO’s averages were unchanged. Acuity and Erie are new in our rates over the past nine months, so they’re left out, which is why these averages differ from the Wisconsin average above. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits rose 0.3%, led by American Family, which raised its liability-only average 2.5%.
Change in full-coverage averages over the past 9 months
Same driver, same insurer, same ZIP codes. Statewide averages.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.
What to Know About Wisconsin Car Insurance Costs
Wisconsin’s full-coverage average is the 16th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.
- Milwaukee. Milwaukee County is the most expensive county in our data, and Milwaukee averages $244 a month, about 33% above the state average. Madison averages $171 and Green Bay $149.
- Required uninsured motorist coverage. Every Wisconsin policy must include uninsured motorist coverage for injuries, in addition to liability coverage.
- How rates are set. Wisconsin is a use-and-file state: insurers file their rates with the Office of the Commissioner of Insurance after the rates take effect, and filings aren’t approved in advance. Insurers classify drivers by factors including age, marital status, where the car is garaged, driving record and the car itself.
Wisconsin Car Insurance Rates by City
Among cities with at least three ZIP codes in our data, Milwaukee is the most expensive, at $244 a month for full coverage, followed by Kenosha at $184 and Racine at $183. Green Bay is the least expensive, at about $149. Across all 202 cities and towns we price, averages run from about $244 in Milwaukee to $148 in Neenah.
Full-coverage averages in Wisconsin cities with three or more ZIP codes
Monthly, cities with at least three ZIP codes in our data. Dark bars have a city guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
The table lists all 202 Wisconsin cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.
| City or Town: | ZIP Codes in Our Data: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Milwaukee | 27 | $827 | $69 | $2,928 | $244 |
| Spooner | 1 | $459 | $38 | $2,750 | $229 |
| Amery | 1 | $490 | $41 | $2,699 | $225 |
| Hayward | 1 | $456 | $38 | $2,690 | $224 |
| St. Croix Falls | 1 | $493 | $41 | $2,682 | $224 |
| Cumberland | 1 | $462 | $39 | $2,667 | $222 |
| Osceola | 1 | $499 | $42 | $2,665 | $222 |
| Barron | 1 | $484 | $40 | $2,650 | $221 |
| Chetek | 1 | $444 | $37 | $2,614 | $218 |
| Ladysmith | 1 | $443 | $37 | $2,561 | $213 |
| Mondovi | 1 | $457 | $38 | $2,554 | $213 |
| Boscobel | 1 | $462 | $39 | $2,552 | $213 |
| Rice Lake | 1 | $465 | $39 | $2,544 | $212 |
| Crivitz | 1 | $452 | $38 | $2,539 | $212 |
| Medford | 1 | $453 | $38 | $2,537 | $211 |
| Colfax | 1 | $460 | $38 | $2,530 | $211 |
| Richland Center | 1 | $468 | $39 | $2,526 | $211 |
| Menomonie | 1 | $476 | $40 | $2,516 | $210 |
| Stanley | 1 | $456 | $38 | $2,514 | $210 |
| Viroqua | 1 | $474 | $40 | $2,506 | $209 |
| Ellsworth | 1 | $479 | $40 | $2,498 | $208 |
| Montello | 1 | $465 | $39 | $2,475 | $206 |
| Arcadia | 1 | $460 | $38 | $2,468 | $206 |
| Black River Falls | 1 | $450 | $38 | $2,468 | $206 |
| Somerset | 1 | $498 | $42 | $2,453 | $204 |
| Westby | 1 | $468 | $39 | $2,450 | $204 |
| New Richmond | 1 | $500 | $42 | $2,444 | $204 |
| Clintonville | 1 | $462 | $39 | $2,438 | $203 |
| New Lisbon | 1 | $449 | $37 | $2,435 | $203 |
| Wautoma | 1 | $471 | $39 | $2,430 | $203 |
| Baldwin | 1 | $493 | $41 | $2,423 | $202 |
| Elk Mound | 1 | $464 | $39 | $2,417 | $201 |
| Peshtigo | 1 | $450 | $38 | $2,407 | $201 |
| Ashland | 1 | $452 | $38 | $2,400 | $200 |
| Nekoosa | 1 | $464 | $39 | $2,394 | $200 |
| Eagle River | 1 | $447 | $37 | $2,387 | $199 |
| Bloomer | 1 | $451 | $38 | $2,384 | $199 |
| Neillsville | 1 | $444 | $37 | $2,369 | $197 |
| Hudson | 1 | $509 | $42 | $2,363 | $197 |
| Mauston | 1 | $449 | $37 | $2,360 | $197 |
| River Falls | 1 | $506 | $42 | $2,358 | $197 |
| Prescott | 1 | $504 | $42 | $2,353 | $196 |
| Minocqua | 1 | $444 | $37 | $2,343 | $195 |
| Berlin | 1 | $479 | $40 | $2,337 | $195 |
| Superior | 1 | $485 | $40 | $2,337 | $195 |
| Lancaster | 1 | $466 | $39 | $2,334 | $195 |
| Marinette | 1 | $445 | $37 | $2,328 | $194 |
| Tomahawk | 1 | $438 | $37 | $2,328 | $194 |
| Sparta | 1 | $456 | $38 | $2,327 | $194 |
| Tomah | 1 | $454 | $38 | $2,321 | $193 |
| Prairie Du Chien | 1 | $460 | $38 | $2,306 | $192 |
| Athens | 1 | $442 | $37 | $2,304 | $192 |
| Reedsburg | 1 | $484 | $40 | $2,303 | $192 |
| St. Francis | 1 | $703 | $59 | $2,303 | $192 |
| Rhinelander | 1 | $445 | $37 | $2,299 | $192 |
| Wisconsin Dells | 1 | $484 | $40 | $2,293 | $191 |
| Antigo | 1 | $460 | $38 | $2,282 | $190 |
| Platteville | 1 | $464 | $39 | $2,274 | $190 |
| Waupaca | 1 | $457 | $38 | $2,270 | $189 |
| Dodgeville | 1 | $473 | $39 | $2,264 | $189 |
| Stratford | 1 | $434 | $36 | $2,259 | $188 |
| Prairie Du Sac | 1 | $503 | $42 | $2,249 | $187 |
| Oconto Falls | 1 | $457 | $38 | $2,244 | $187 |
| Merrill | 1 | $450 | $38 | $2,238 | $187 |
| Oconto | 1 | $458 | $38 | $2,235 | $186 |
| Shawano | 1 | $457 | $38 | $2,224 | $185 |
| Wisconsin Rapids | 2 | $464 | $39 | $2,223 | $185 |
| Baraboo | 1 | $489 | $41 | $2,222 | $185 |
| Mosinee | 1 | $443 | $37 | $2,221 | $185 |
| Kenosha | 4 | $687 | $57 | $2,210 | $184 |
| Racine | 5 | $687 | $57 | $2,201 | $183 |
| Altoona | 1 | $496 | $41 | $2,192 | $183 |
| Marshfield | 1 | $445 | $37 | $2,192 | $183 |
| Portage | 1 | $491 | $41 | $2,192 | $183 |
| Cudahy | 1 | $685 | $57 | $2,188 | $182 |
| Pleasant Prairie | 1 | $680 | $57 | $2,187 | $182 |
| Pardeeville | 1 | $486 | $41 | $2,186 | $182 |
| South Milwaukee | 1 | $679 | $57 | $2,179 | $182 |
| Greendale | 1 | $671 | $56 | $2,166 | $181 |
| West Salem | 1 | $490 | $41 | $2,164 | $180 |
| Ripon | 1 | $473 | $39 | $2,160 | $180 |
| Stevens Point | 2 | $464 | $39 | $2,157 | $180 |
| Mequon | 2 | $626 | $52 | $2,155 | $180 |
| Oak Creek | 1 | $665 | $55 | $2,154 | $180 |
| Brodhead | 1 | $521 | $43 | $2,137 | $178 |
| Eau Claire | 2 | $493 | $41 | $2,136 | $178 |
| Plover | 1 | $458 | $38 | $2,136 | $178 |
| La Crosse | 2 | $508 | $42 | $2,125 | $177 |
| Poynette | 1 | $488 | $41 | $2,124 | $177 |
| Bristol | 1 | $625 | $52 | $2,123 | $177 |
| Union Grove | 1 | $640 | $53 | $2,121 | $177 |
| Chippewa Falls | 1 | $479 | $40 | $2,119 | $177 |
| Holmen | 1 | $492 | $41 | $2,118 | $177 |
| New London | 1 | $491 | $41 | $2,116 | $176 |
| Franklin | 1 | $651 | $54 | $2,115 | $176 |
| Lodi | 1 | $494 | $41 | $2,110 | $176 |
| Hales Corners | 1 | $655 | $55 | $2,100 | $175 |
| Monroe | 1 | $492 | $41 | $2,100 | $175 |
| Genoa City | 1 | $561 | $47 | $2,098 | $175 |
| Twin Lakes | 1 | $605 | $50 | $2,095 | $175 |
| Columbus | 1 | $495 | $41 | $2,093 | $174 |
| Salem | 1 | $612 | $51 | $2,093 | $174 |
| Evansville | 1 | $535 | $45 | $2,091 | $174 |
| Trevor | 1 | $610 | $51 | $2,090 | $174 |
| Menomonee Falls | 1 | $620 | $52 | $2,088 | $174 |
| Campbellsport | 1 | $497 | $41 | $2,085 | $174 |
| Pulaski | 1 | $467 | $39 | $2,081 | $173 |
| Sturtevant | 1 | $658 | $55 | $2,077 | $173 |
| Sauk City | 1 | $498 | $42 | $2,076 | $173 |
| Brookfield | 2 | $609 | $51 | $2,072 | $173 |
| Lake Geneva | 1 | $552 | $46 | $2,067 | $172 |
| Burlington | 1 | $610 | $51 | $2,066 | $172 |
| Dousman | 1 | $560 | $47 | $2,063 | $172 |
| Mayville | 1 | $494 | $41 | $2,063 | $172 |
| Belleville | 1 | $503 | $42 | $2,060 | $172 |
| Onalaska | 1 | $490 | $41 | $2,057 | $171 |
| Middleton | 1 | $553 | $46 | $2,056 | $171 |
| Madison | 12 | $559 | $47 | $2,055 | $171 |
| Franksville | 1 | $624 | $52 | $2,053 | $171 |
| Hubertus | 1 | $538 | $45 | $2,045 | $170 |
| Saukville | 1 | $572 | $48 | $2,044 | $170 |
| Kewaskum | 1 | $525 | $44 | $2,043 | $170 |
| Waterloo | 1 | $481 | $40 | $2,043 | $170 |
| Whitewater | 1 | $508 | $42 | $2,040 | $170 |
| Elm Grove | 1 | $589 | $49 | $2,039 | $170 |
| Waterford | 1 | $600 | $50 | $2,038 | $170 |
| Wausau | 2 | $481 | $40 | $2,036 | $170 |
| Beloit | 1 | $557 | $46 | $2,033 | $169 |
| Hartford | 1 | $536 | $45 | $2,033 | $169 |
| Eagle | 1 | $550 | $46 | $2,032 | $169 |
| Elkhorn | 1 | $541 | $45 | $2,032 | $169 |
| Hortonville | 1 | $506 | $42 | $2,028 | $169 |
| Delavan | 1 | $535 | $45 | $2,027 | $169 |
| Winneconne | 1 | $509 | $42 | $2,027 | $169 |
| Janesville | 3 | $549 | $46 | $2,024 | $169 |
| East Troy | 1 | $543 | $45 | $2,023 | $169 |
| Hartland | 1 | $569 | $47 | $2,022 | $169 |
| Milton | 1 | $532 | $44 | $2,022 | $169 |
| Cross Plains | 1 | $528 | $44 | $2,021 | $168 |
| Omro | 1 | $513 | $43 | $2,016 | $168 |
| Delafield | 1 | $572 | $48 | $2,013 | $168 |
| Kewaunee | 1 | $471 | $39 | $2,013 | $168 |
| West Bend | 2 | $545 | $45 | $2,013 | $168 |
| Cedarburg | 1 | $580 | $48 | $2,008 | $167 |
| Watertown | 2 | $502 | $42 | $2,007 | $167 |
| Beaver Dam | 1 | $500 | $42 | $2,006 | $167 |
| Colgate | 1 | $555 | $46 | $2,005 | $167 |
| Germantown | 1 | $581 | $48 | $2,003 | $167 |
| Algoma | 1 | $457 | $38 | $2,002 | $167 |
| Oconomowoc | 1 | $513 | $43 | $2,002 | $167 |
| Waukesha | 3 | $602 | $50 | $2,002 | $167 |
| Mount Horeb | 1 | $517 | $43 | $2,001 | $167 |
| Schofield | 1 | $490 | $41 | $2,001 | $167 |
| Kiel | 1 | $483 | $40 | $1,999 | $167 |
| Sun Prairie | 1 | $541 | $45 | $1,999 | $167 |
| Lake Mills | 1 | $496 | $41 | $1,996 | $166 |
| Mukwonago | 1 | $547 | $46 | $1,996 | $166 |
| McFarland | 1 | $547 | $46 | $1,993 | $166 |
| Edgerton | 1 | $526 | $44 | $1,992 | $166 |
| New Berlin | 2 | $602 | $50 | $1,992 | $166 |
| Slinger | 1 | $523 | $44 | $1,992 | $166 |
| Pewaukee | 1 | $601 | $50 | $1,991 | $166 |
| Waupun | 1 | $488 | $41 | $1,991 | $166 |
| Jackson | 1 | $543 | $45 | $1,988 | $166 |
| Jefferson | 1 | $501 | $42 | $1,984 | $165 |
| Grafton | 1 | $579 | $48 | $1,983 | $165 |
| Fort Atkinson | 1 | $509 | $42 | $1,981 | $165 |
| Luxemburg | 1 | $477 | $40 | $1,980 | $165 |
| Seymour | 1 | $499 | $42 | $1,980 | $165 |
| Waunakee | 1 | $530 | $44 | $1,979 | $165 |
| DeForest | 1 | $516 | $43 | $1,975 | $165 |
| Marshall | 1 | $514 | $43 | $1,971 | $164 |
| Verona | 1 | $529 | $44 | $1,971 | $164 |
| Port Washington | 1 | $556 | $46 | $1,967 | $164 |
| Sussex | 1 | $574 | $48 | $1,957 | $163 |
| Stoughton | 1 | $517 | $43 | $1,954 | $163 |
| Cambridge | 1 | $506 | $42 | $1,951 | $163 |
| Oregon | 1 | $524 | $44 | $1,949 | $162 |
| Sturgeon Bay | 1 | $472 | $39 | $1,941 | $162 |
| Muskego | 1 | $592 | $49 | $1,938 | $162 |
| Cottage Grove | 1 | $522 | $44 | $1,936 | $161 |
| Plymouth | 1 | $499 | $42 | $1,929 | $161 |
| New Holstein | 1 | $471 | $39 | $1,928 | $161 |
| Two Rivers | 1 | $496 | $41 | $1,923 | $160 |
| Denmark | 1 | $483 | $40 | $1,911 | $159 |
| Greenville | 1 | $519 | $43 | $1,909 | $159 |
| Manitowoc | 1 | $499 | $42 | $1,903 | $159 |
| Sheboygan | 2 | $524 | $44 | $1,902 | $159 |
| Sheboygan Falls | 1 | $508 | $42 | $1,891 | $158 |
| Fond Du Lac | 2 | $519 | $43 | $1,878 | $157 |
| Chilton | 1 | $467 | $39 | $1,868 | $156 |
| Brillion | 1 | $472 | $39 | $1,854 | $155 |
| Kaukauna | 1 | $505 | $42 | $1,850 | $154 |
| Oneida | 1 | $497 | $41 | $1,849 | $154 |
| Oshkosh | 3 | $534 | $45 | $1,838 | $153 |
| Appleton | 4 | $546 | $46 | $1,832 | $153 |
| Little Chute | 1 | $546 | $46 | $1,824 | $152 |
| Kimberly | 1 | $537 | $45 | $1,804 | $150 |
| De Pere | 1 | $501 | $42 | $1,796 | $150 |
| Green Bay | 6 | $507 | $42 | $1,792 | $149 |
| Menasha | 1 | $526 | $44 | $1,791 | $149 |
| Neenah | 1 | $529 | $44 | $1,777 | $148 |
| Wisconsin average | 272 | $554 | $46 | $2,210 | $184 |
Wisconsin City Car Insurance Guides
Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.
Compare Wisconsin with other states on our car insurance rates by state page.
Wisconsin Car Insurance Rates by County
Milwaukee County is the most expensive county in our data, at about $231 a month for full coverage, followed by Washburn County ($229) and Sawyer County ($224). The least expensive are Brown County ($153) and Outagamie and Winnebago counties (both $156). We price 62 of Wisconsin’s 72 counties.
| County: | ZIP Codes in Our Data: | Minimum Liability 25/50/10 (Yearly): | Minimum Liability 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Milwaukee County | 34 | $795 | $66 | $2,772 | $231 |
| Washburn County | 1 | $459 | $38 | $2,750 | $229 |
| Sawyer County | 1 | $456 | $38 | $2,690 | $224 |
| Polk County | 3 | $494 | $41 | $2,682 | $224 |
| Barron County | 4 | $464 | $39 | $2,618 | $218 |
| Rusk County | 1 | $443 | $37 | $2,561 | $213 |
| Buffalo County | 1 | $457 | $38 | $2,554 | $213 |
| Taylor County | 1 | $453 | $38 | $2,537 | $211 |
| Richland County | 1 | $468 | $39 | $2,526 | $211 |
| Dunn County | 3 | $466 | $39 | $2,488 | $207 |
| Vernon County | 2 | $471 | $39 | $2,478 | $207 |
| Marquette County | 1 | $465 | $39 | $2,475 | $206 |
| Jackson County | 1 | $450 | $38 | $2,468 | $206 |
| Trempealeau County | 1 | $460 | $38 | $2,468 | $206 |
| Waushara County | 1 | $471 | $39 | $2,430 | $203 |
| Marinette County | 3 | $449 | $37 | $2,424 | $202 |
| St. Croix County | 4 | $500 | $42 | $2,421 | $202 |
| Pierce County | 3 | $496 | $41 | $2,403 | $200 |
| Ashland County | 1 | $452 | $38 | $2,400 | $200 |
| Juneau County | 2 | $449 | $37 | $2,398 | $200 |
| Grant County | 3 | $464 | $39 | $2,387 | $199 |
| Vilas County | 1 | $447 | $37 | $2,387 | $199 |
| Clark County | 1 | $444 | $37 | $2,369 | $197 |
| Chippewa County | 3 | $462 | $39 | $2,339 | $195 |
| Douglas County | 1 | $485 | $40 | $2,337 | $195 |
| Green Lake County | 1 | $479 | $40 | $2,337 | $195 |
| Monroe County | 2 | $455 | $38 | $2,324 | $194 |
| Oneida County | 2 | $444 | $37 | $2,321 | $193 |
| Crawford County | 1 | $460 | $38 | $2,306 | $192 |
| Lincoln County | 2 | $444 | $37 | $2,283 | $190 |
| Langlade County | 1 | $460 | $38 | $2,282 | $190 |
| Waupaca County | 3 | $470 | $39 | $2,275 | $190 |
| Iowa County | 1 | $473 | $39 | $2,264 | $189 |
| Wood County | 4 | $460 | $38 | $2,258 | $188 |
| Oconto County | 2 | $457 | $38 | $2,240 | $187 |
| Sauk County | 5 | $492 | $41 | $2,228 | $186 |
| Shawano County | 1 | $457 | $38 | $2,224 | $185 |
| Kenosha County | 9 | $653 | $54 | $2,159 | $180 |
| Eau Claire County | 3 | $494 | $41 | $2,155 | $180 |
| Portage County | 3 | $462 | $39 | $2,150 | $179 |
| Marathon County | 6 | $462 | $39 | $2,143 | $179 |
| Columbia County | 5 | $491 | $41 | $2,141 | $178 |
| Racine County | 10 | $657 | $55 | $2,136 | $178 |
| Green County | 2 | $506 | $42 | $2,118 | $177 |
| La Crosse County | 5 | $497 | $41 | $2,118 | $177 |
| Ozaukee County | 6 | $590 | $49 | $2,052 | $171 |
| Walworth County | 6 | $540 | $45 | $2,048 | $171 |
| Rock County | 7 | $543 | $45 | $2,030 | $169 |
| Dane County | 26 | $541 | $45 | $2,018 | $168 |
| Dodge County | 4 | $495 | $41 | $2,015 | $168 |
| Washington County | 9 | $543 | $45 | $2,015 | $168 |
| Waukesha County | 18 | $584 | $49 | $2,015 | $168 |
| Jefferson County | 5 | $498 | $42 | $2,004 | $167 |
| Fond du Lac County | 4 | $502 | $42 | $2,000 | $167 |
| Kewaunee County | 3 | $468 | $39 | $1,998 | $167 |
| Manitowoc County | 3 | $493 | $41 | $1,942 | $162 |
| Door County | 1 | $472 | $39 | $1,941 | $162 |
| Sheboygan County | 4 | $514 | $43 | $1,906 | $159 |
| Calumet County | 3 | $470 | $39 | $1,883 | $157 |
| Winnebago County | 7 | $526 | $44 | $1,875 | $156 |
| Outagamie County | 10 | $530 | $44 | $1,872 | $156 |
| Brown County | 10 | $499 | $42 | $1,839 | $153 |
| Wisconsin average | 272 | $554 | $46 | $2,210 | $184 |
Does Better Coverage Cost More in Wisconsin?
Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 statewide in our data: $2,210 a year compared with $2,262, with the same $500 deductibles. Across the six insurers, the change runs from $257 less a year (American Family) to $111 more (GEICO). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Acuity, Allstate, American Family and Erie charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.
Wisconsin Car Insurance Rules at a Glance
Required on every policy
25/50/10- $25,000 per person and $50,000 per crash in bodily injury liability
- $10,000 in property damage liability
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash, for injuries only
Optional coverage
Your choice- Underinsured motorist coverage, at least 50/100 if you buy it
- Medical payments coverage, starting at $1,000
- Collision and comprehensive, which your lender may require
Penalties
Up to $500 fine- Driving uninsured: a fine of up to $500
- Not showing proof when asked: up to $10, and fake proof up to $5,000
- Uninsured and apparently at fault in a reportable crash: your license and registrations can be suspended unless you settle or post security
What Car Insurance Is Required in Wisconsin?
Wisconsin drivers must carry liability insurance, according to the Office of the Commissioner of Insurance. The minimum policy is:
- $25,000 per person and $50,000 per crash in bodily injury liability.
- $10,000 in property damage liability.
- $25,000 per person and $50,000 per crash in uninsured motorist coverage, for injuries only. It pays when an uninsured or hit-and-run driver injures you.
Two more coverages are optional:
- Underinsured motorist coverage, which pays when the driver who injures you doesn’t have enough insurance. Your insurer must tell you it’s available when it delivers your policy, and if you buy it, the limits must be at least $50,000 per person and $100,000 per crash.
- Medical payments coverage, which pays medical bills for you and your passengers. Insurers must offer it, you can decline it and the smallest amount you can buy is $1,000.
Wisconsin is an at-fault state with a comparative negligence law, so the driver responsible for a crash, usually through their liability insurer, pays for the damage. Your recovery shrinks by your share of the blame, and you can’t recover if you’re more at fault than the other driver. You must show proof of insurance if a police officer asks at a traffic stop or crash, and you can show it on your phone.
The Wisconsin DMV says driving without insurance can bring a fine of up to $500, failing to show proof when asked a fine of up to $10 and fake proof a fine of up to $5,000. If you’re uninsured and appear to be at fault in a reportable crash, the DMV can suspend your license and your vehicle registrations under the safety responsibility law, and reinstating can require an SR-22 certificate for three years.
How to Lower Your Car Insurance Rate in Wisconsin
- Quote several insurers. Among the six major insurers we compared in Wisconsin, the lowest and highest averages are about $113 a month apart for the same driver and car.
- Compare Progressive and Erie first. They have the two lowest full-coverage averages among the six major insurers we compared in Wisconsin, about $122 and $157 a month.
- Consider underinsured motorist coverage. It isn’t required in Wisconsin, but it pays when the driver who injures you has too little insurance. If you buy it, the limits must be at least $50,000 per person and $100,000 per crash.
- Decide on medical payments coverage. Wisconsin insurers must offer it and you can decline it. It pays medical bills for you and your passengers, starting at $1,000 in coverage.
- Keep proof of insurance on your phone. Wisconsin has accepted electronic proof since 2013, and not showing proof when an officer asks can bring a fine of up to $10.
- Know how credit is used. Wisconsin insurers may use credit-based insurance scores, and the insurance commissioner says credit information must be used in a way that isn’t unfairly discriminatory.
- Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 11.1% and American Family 4.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Wisconsin and our home insurance guides for Madison and Milwaukee, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Wisconsin Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 1,632 full-coverage premiums from six insurers across 272 Wisconsin ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Wisconsin’s 25/50/10 minimum, with 25/50 uninsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Acuity and Erie aren’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Wisconsin rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Wisconsin law and the Wisconsin Office of the Commissioner of Insurance. We refresh these figures when new rate data is released.
More Wisconsin Car Insurance Breakdowns
The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.
Wisconsin Car Insurance Rates by County and Vehicle Type
In this analysis, an SUV is the least expensive vehicle type to insure and a hybrid the most expensive in all 72 counties. A hybrid costs about 27% more than an SUV on average.
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Adams | $791 | $675 | $741 | $820 | $862 |
| Ashland | $762 | $645 | $708 | $796 | $840 |
| Barron | $799 | $679 | $746 | $816 | $876 |
| Bayfield | $733 | $623 | $682 | $767 | $808 |
| Brown | $653 | $562 | $626 | $655 | $695 |
| Buffalo | $793 | $679 | $744 | $807 | $863 |
| Burnett | $775 | $665 | $730 | $801 | $842 |
| Calumet | $666 | $577 | $640 | $674 | $706 |
| Chippewa | $734 | $627 | $692 | $755 | $795 |
| Clark | $744 | $637 | $696 | $772 | $812 |
| Columbia | $696 | $595 | $659 | $710 | $747 |
| Crawford | $735 | $625 | $691 | $757 | $798 |
| Dane | $659 | $563 | $629 | $669 | $704 |
| Dodge | $628 | $538 | $594 | $644 | $677 |
| Door | $632 | $541 | $598 | $648 | $682 |
| Douglas | $786 | $672 | $742 | $810 | $853 |
| Dunn | $773 | $660 | $723 | $758 | $843 |
| Eau Claire | $716 | $612 | $680 | $697 | $772 |
| Florence | $799 | $679 | $746 | $831 | $876 |
| Fond Du Lac | $644 | $553 | $615 | $654 | $687 |
| Forest | $799 | $679 | $746 | $831 | $876 |
| Grant | $705 | $599 | $664 | $702 | $766 |
| Green | $683 | $582 | $644 | $702 | $739 |
| Green Lake | $713 | $609 | $672 | $733 | $772 |
| Iowa | $705 | $599 | $664 | $725 | $765 |
| Iron | $778 | $660 | $726 | $810 | $855 |
| Jackson | $785 | $665 | $737 | $811 | $856 |
| Jefferson | $633 | $541 | $601 | $645 | $680 |
| Juneau | $773 | $660 | $723 | $784 | $843 |
| Kenosha | $794 | $683 | $765 | $753 | $839 |
| Kewaunee | $728 | $623 | $689 | $702 | $785 |
| La Crosse | $679 | $582 | $648 | $692 | $728 |
| Lafayette | $728 | $618 | $686 | $736 | $790 |
| Langlade | $772 | $657 | $722 | $800 | $843 |
| Lincoln | $765 | $652 | $716 | $773 | $836 |
| Manitowoc | $660 | $567 | $631 | $670 | $705 |
| Marathon | $731 | $626 | $686 | $757 | $796 |
| Marinette | $734 | $624 | $688 | $759 | $800 |
| Marquette | $800 | $682 | $746 | $833 | $877 |
| Menominee | $773 | $660 | $723 | $801 | $843 |
| Milwaukee | $742 | $643 | $717 | $746 | $781 |
| Monroe | $766 | $650 | $720 | $754 | $833 |
| Oconto | $757 | $644 | $706 | $702 | $829 |
| Oneida | $739 | $628 | $692 | $766 | $808 |
| Outagamie | $618 | $529 | $590 | $628 | $661 |
| Ozaukee | $699 | $600 | $667 | $707 | $747 |
| Pepin | $773 | $660 | $723 | $801 | $843 |
| Pierce | $709 | $609 | $671 | $727 | $764 |
| Polk | $836 | $716 | $783 | $811 | $913 |
| Portage | $701 | $599 | $662 | $720 | $758 |
| Price | $793 | $674 | $737 | $827 | $872 |
| Racine | $705 | $606 | $674 | $716 | $752 |
| Richland | $735 | $625 | $691 | $757 | $798 |
| Rock | $670 | $574 | $641 | $678 | $714 |
| Rusk | $773 | $660 | $723 | $801 | $843 |
| Sauk | $703 | $599 | $663 | $723 | $762 |
| Sawyer | $799 | $679 | $746 | $831 | $876 |
| Shawano | $721 | $616 | $675 | $702 | $786 |
| Sheboygan | $639 | $548 | $609 | $650 | $684 |
| St. Croix | $709 | $609 | $672 | $728 | $764 |
| Taylor | $748 | $638 | $700 | $778 | $818 |
| Trempealeau | $760 | $645 | $713 | $784 | $828 |
| Vernon | $773 | $656 | $726 | $798 | $843 |
| Vilas | $734 | $623 | $687 | $762 | $804 |
| Walworth | $687 | $589 | $655 | $699 | $736 |
| Washburn | $814 | $692 | $759 | $849 | $895 |
| Washington | $725 | $622 | $691 | $697 | $776 |
| Waukesha | $708 | $610 | $679 | $707 | $754 |
| Waupaca | $739 | $631 | $691 | $713 | $807 |
| Waushara | $761 | $647 | $711 | $789 | $832 |
| Winnebago | $654 | $564 | $627 | $663 | $696 |
| Wood | $715 | $614 | $676 | $734 | $771 |
Wisconsin Car Insurance FAQ
For our benchmark driver, full coverage in Wisconsin averages about $184 a month ($2,210 a year) and liability-only coverage at the 25/50/10 minimum about $46 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 21% below the national average.
Progressive has the lowest full-coverage average in our Wisconsin rate data, at about $122 a month, followed by Erie at $157. For liability-only coverage, Progressive has the lowest average, at about $22 a month. The published 2026 statewide Wisconsin rate studies we reviewed most often rank GEICO or Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Milwaukee County costs the most, at about $231 a month for full coverage, and Milwaukee is the most expensive city we price, at about $244. Brown County, home to Green Bay, is the least expensive county, at about $153.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Acuity and Erie are new over the past nine months), their Wisconsin full-coverage average fell 3.2%, from about $2,336 to $2,261 a year. That’s higher than the Wisconsin average of $2,210 because it leaves out Acuity and Erie. Progressive cut its Wisconsin average 11.1% and American Family 4.1%. Liability-only coverage at 25/50/10 limits rose 0.3%.
Wisconsin requires $25,000 per person and $50,000 per crash in bodily injury liability, $10,000 in property damage liability and uninsured motorist coverage of $25,000 per person and $50,000 per crash for injuries. Underinsured motorist and medical payments coverage are optional.
No. Wisconsin is an at-fault state with a comparative negligence law, so the driver who causes a crash pays for the damage, and your recovery is reduced by your share of the fault. Uninsured motorist coverage, which every policy includes, pays for your injuries if an uninsured or hit-and-run driver is at fault.
For our benchmark driver, full coverage in Wisconsin averages about $184 a month. Illinois averages about $201, 9% above Wisconsin. Iowa averages about $196, 6% above Wisconsin. Michigan averages about $354, 92% above Wisconsin. Minnesota averages about $223, 21% above Wisconsin. Every neighboring state costs more. These averages use the same driver and coverage in every state, from rates as of Aug. 31, 2026.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
