Wisconsin Car Insurance Rates

Average insurance rates in Wisconsin for 2018 are $1,362 annually including full coverage. Comprehensive insurance, collision insurance, and liability insurance cost around $302, $554, and $352, respectively. Milwaukee, Wauwatosa, and West Allis have the most expensive average rates, and the three companies with the most written premium are American Family, Progressive, and State Farm.

Average rate for full coverage: $1,362

Rate estimates for type of insurance:

Comprehensive $302
Collision $554
Liability $352

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Car Insurance in Wisconsin

For the normal driver, prices range from as low as $418 for the bare minimum liability coverage to a much higher rate of $2,942 for a driver who requires high-risk insurance.

Liability Only $418
Full Coverage $1,362
High Risk $2,942

These differences highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

Use the form below to get accurate rates for your location.

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Wisconsin car insurance rate comparison chart
Column chart showing Wisconsin car insurance prices range from $782 to $5,010 for full coverage

The chart above shows average Wisconsin car insurance prices for various risk profiles and scenarios. The lowest price with discounts is $782. Insureds who use higher $1,000 deductibles will pay around $1,168. The average price for a driver age 40 with no violations using $500 deductibles is $1,362. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,740. Drivers considered high risk could be charged as much as $2,942. The price for full coverage for a 16-year-old driver is $5,010.

Car insurance rates in Wisconsin can also vary considerably based on your driver profile, your vehicle choice, and deductibles and policy limits.

Choosing higher comprehensive and collision insurance deductibles could save up to $580 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $317 extra every 12 months. View Rates by Deductible or Liability Limit

The type of vehicle you drive has a significant impact on the cost of auto insurance in Wisconsin. Driving a less expensive and lower horsepower vehicle will cost less to insure thanks to lower repair costs and lower medical and liability claims. The table below shows insurance cost estimates for some of the more popular vehicles insured in Wisconsin.

Wisconsin Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,4405.4%
Dodge Ram$1,4808%
Ford Escape$1,132-20.3%
Ford Focus$1,318-3.3%
Ford Fusion$1,4445.7%
Ford F-150$1,280-6.4%
GMC Acadia$1,252-8.8%
GMC Sierra$1,4143.7%
Honda Accord$1,270-7.2%
Honda Civic$1,4908.6%
Honda CR-V$1,102-23.6%
Honda Pilot$1,292-5.4%
Hyundai Sonata$1,3821.4%
Kia Optima$1,4103.4%
Nissan Altima$1,4022.9%
Nissan Rogue$1,3700.6%
Toyota Camry$1,3881.9%
Toyota Corolla$1,358-0.3%
Toyota Prius$1,264-7.8%
Toyota RAV4$1,282-6.2%
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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The company you choose obviously influences the cost of coverage. Every insurance company sets their own rates, and prices can be substantially lower or higher based on indivdual risk characteristics.

In Wisconsin, auto insurance prices range from $592 with USAA to as high as $2,199 with Liberty Mutual. Other companies like Partners Mutual, Erie, and Rockford Mutual fall in the middle. Those are not necessarily the rates you would pay, as your driving record, the vehicle type, and your location all factor in.

Wisconsin Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1American Family19.16%$1,148
2Progressive16.18%$1,141
3State Farm14.89%$914
4Allstate4.54%$1,815
5Geico4.47%$1,214
6Acuity3.86%$1,682
7West Bend Mutual3.03%$908
8Farmers Insurance2.62%$1,153
9Liberty Mutual2.49%$2,199
10Erie Insurance2.48%$710
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

An older driver with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $5,000 a year. View Rates by Age

Where you live in Wisconsin makes a big difference in auto insurance rates. Rural areas could have rates as low as $1,000 a year, while Milwaukee and Wauwatosa may see prices closer to $2,000. Even different areas within the same city can have a wide range of rates.

These wide price ranges highlight the need to quote rates for your specific zip code.

View Chart as Image

Wisconsin insurance rates by city

If you like to drive fast or tend to cause accidents, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 131% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes can be significantly different from one company to the next.

Wisconsin Auto Insurance Articles

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Rates by Driver Age

Wisconsin Insurance Rates by Driver Age
Driver AgePremium
16$5,010
20$3,144
30$1,426
40$1,362
50$1,242
60$1,220

Full coverage, $500 deductibles

Rates by Deductible

Wisconsin Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,740
$250$1,564
$500$1,362
$1,000$1,168

Full coverage, driver age 40

Rates by Liability Limit

Wisconsin Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,362
50/100$1,432
100/300$1,520
250/500$1,749
100 CSL$1,468
300 CSL$1,661
500 CSL$1,802

Full coverage, driver age 40

Rates for High Risk Drivers

Wisconsin Car Insurance Rates for High Risk Drivers
AgePremium
16$7,154
20$4,990
30$3,014
40$2,942
50$2,806
60$2,778

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $189

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$72
Multi-vehicle$70
Homeowner$19
5-yr Accident Free$102
5-yr Claim Free$88
Paid in Full/EFT$64
Advance Quote$68
Online Quote$97
Total Discounts$580
Rate after discounts $782

Discounts are estimated and may not be available from every company or in every state.

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