Average Cost for Car Insurance in Wisconsin
Wisconsin car insurance averages $118 per month for full coverage in 2026 — one of the lowest rates in the US — based on InsuranceQuotes.com’s analysis of market rate data. Erie Insurance offers the most competitive rates at approximately $28 per month for minimum coverage. Wisconsin is among the top 10 states for deer-vehicle collisions, making comprehensive coverage particularly valuable for drivers in rural areas.
Wisconsin is one of the lowest-priced car insurance states in America. The average yearly cost is less than half that of the most expensive states. Below, we’ll walk through the basics for car insurance in Wisconsin including requirements for car insurance, how much to expect to pay for car insurance, online insurance options, and tips to lower your auto insurance rates.
- State minimum liability on average in Wisconsin costs $78 a month or $938 a year. Full coverage auto policies costs around $243 a month or $2,920 a year in WI.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Wisconsin- Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Who are the Cheapest Car Insurance Companies in Wisconsin?
- In Wisconsin the cheapest car insurance companies on average are GEICO, American Family Ins. Co and Artisan & Truckers. State minimum liability car insurance starts at $35 a month or $421 a year with GEICO. The cheapest full coverage car insurance starts at $131 a month or $1,574 a year with American Family.
Here are the average policy rates from the cheapest local and national insurance providers in Wisconsin from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| GEICO | $421 | $35 | $2,144 | $179 |
| American Family | $665 | $55 | $1,574 | $131 |
| Artisan & Truckers Ins. Co. | $673 | $56 | $4,093 | $341 |
| Allstate | $726 | $61 | $2,813 | $234 |
| State Farm | $766 | $64 | $3,530 | $294 |
Car Insurance Coverage Required in Wisconsin
Like most states, Wisconsin requires you to carry liability insurance to help protect you if an accident results in an injury. These are the required minimums:
- $10,000 for damage to property
- $25,000 for injury or death to one person
- $50,000 for injury or death to two or more people
- Uninsured motorist coverage ($25,000 per person or $50,000 per occurrence)
Collision insurance will cover the cost of car repair if you are involved in a car accident. That applies to both your car and any others involved. Comprehensive insurance covers most other kinds of damage from hail, tornados, flooding, theft, vandalism, and other causes. The law does not require either type of policy.
Popular City Cost Guides for Wisconsin
Popular Wisconsin Cities:
Wisconsin Car Insurance Costs by County
Monthly car insurance costs in Wisconsin depend on many factors including a car’s make and model, the driver’s previous accident history, the age of the driver, coverage included in the car insurance plan, and much more. Monthly car insurance costs in Wisconsin range from around $10 to $90. Below, we’ve included average monthly and yearly costs for car insurance based on car model and county.
| 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 |
Finding Auto Insurance Resources in Wisconsin
Car insurance is a very competitive business in Wisconsin. That is one reason the costs are so low. Still, you need to do some research if you want to get the best possible prices and good coverage.
You can start at the Wisconsin Department of Transportation website to find out what types of insurance are required and which ones are recommended. Most people who do not have car insurance from their employer will want to contact an insurance company. There are two ways to go about finding an insurance company and policy, which are outlined below.
Tips to Get the Cheapest Wisconsin Auto Insurance Policy Rates
Here are some suggestions on ways to get the best possible coverage for the lowest car insurance prices.
1. Ask friends who have car insurance for input. Everyone likes to recommend agents and brokers they like. They are usually upfront about letting you know if their company has let them down.
2. Ask every company for discounts. If you already have insurance and just got married, your rates may get lower. The same goes if you are now driving less than you used to or if you completed a defensive driving course.
3. If your homeowners or renters insurance company also sells auto insurance, you may get a reduced rate for bundling your coverage.
4. Consider increasing your deductible for collision and comprehensive coverage.
5. If an insured child has moved away to take a job or go to college, some companies provide a discount.
Moving to Wisconsin: Important Information
There are several things you need to do if you are moving to Wisconsin. First, you must change your car registration and license plates from your previous state to Wisconsin. Unfortunately, you do not receive credit for any future registration time remaining from your previous state.
You must also get a new driver’s license within 60 days of establishing residency. If you have a commercial driver’s license, you must switch it within 30 days. Since Wisconsin car insurance rates are probably lower than the state you came from, you may want to change that as soon as possible.
Understanding Driving Laws in Wisconsin
Wisconsin has recently passed some laws that may even be news to current residents. For instance, drivers with an instructional permit or probationary license can no longer use a cell phone at any time for any reason except for emergency needs.
Wisconsin uses a point system for counting driving violations. More than 12 points in one year can lead to the suspension of driving privileges for a minimum of two months. Convictions remain on your record for 5 years, except for serious or alcohol-related convictions that remain for 55 years.
Wisconsin: Car Insurance FAQs
Here are some of the most common questions people ask about Wisconsin car insurance:
Are the minimum amounts of coverage enough if you are in an accident?
For many people, they are not. Anyone with assets in excess of $50,000 should strongly consider an increase.
What happens if you do not get auto insurance?
If an officer discovers you have no insurance, the fine can be costly. If you are in an accident with no insurance, the state can suspend your license and you have to pay for damages before you can get it back.
Since collision and comprehensive insurance are not required, should you buy them?
Having these types of insurance is highly recommended unless your car’s value is less than your annual insurance premium.
Frequently Asked Questions About Wisconsin Car Insurance
- About the Author
- Latest Posts
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.
