Wisconsin Car Insurance Rates

Average insurance rates in Wisconsin for 2019 are $974 annually including full coverage. Comprehensive insurance, collision insurance, and liability insurance cost around $216, $396, and $252, 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: $974

Rate estimates for type of insurance:

Comprehensive $216
Collision $396
Liability $252

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 $298 for the bare minimum liability coverage to a much higher rate of $2,100 for a driver who requires high-risk insurance.

Liability Only $298
Full Coverage $974
High Risk $2,100

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 $558 to $3,582 for full coverage

The chart above shows average Wisconsin car insurance prices for various risk profiles and scenarios. The lowest price with discounts is $558. Insureds who use higher $1,000 deductibles will pay around $834. The average price for a driver age 40 with no violations using $500 deductibles is $974. Using more expensive $100 deductibles for collision and other-than-collision coverage can cost as much as $1,244. Drivers considered high risk could be charged as much as $2,100. The price for full coverage for a 16-year-old driver is $3,582.

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 $410 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 $227 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$1,0285.3%
Dodge Ram$1,0567.8%
Ford Escape$810-20.2%
Ford Focus$942-3.4%
Ford Fusion$1,0325.6%
Ford F-150$914-6.6%
GMC Acadia$896-8.7%
GMC Sierra$1,0123.8%
Honda Accord$908-7.3%
Honda Civic$1,0648.5%
Honda CR-V$788-23.6%
Honda Pilot$924-5.4%
Hyundai Sonata$9881.4%
Kia Optima$1,0063.2%
Nissan Altima$1,0022.8%
Nissan Rogue$9780.4%
Toyota Camry$9942%
Toyota Corolla$972-0.2%
Toyota Prius$902-8%
Toyota RAV4$918-6.1%
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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 $900 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $3,500 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 $700 a year, while Milwaukee and Wauwatosa may see prices closer to $1,500. 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 $1,200 to $1,600 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 138% 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$3,582
20$2,244
30$1,018
40$974
50$888
60$872

Full coverage, $500 deductibles

Rates by Deductible

Wisconsin Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,244
$250$1,118
$500$974
$1,000$834

Full coverage, driver age 40

Rates by Liability Limit

Wisconsin Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$974
50/100$1,024
100/300$1,087
250/500$1,251
100 CSL$1,050
300 CSL$1,188
500 CSL$1,289

Full coverage, driver age 40

Rates for High Risk Drivers

Wisconsin Car Insurance Rates for High Risk Drivers
AgePremium
16$5,112
20$3,568
30$2,152
40$2,100
50$2,006
60$1,988

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 $135

Potential Rate Discounts

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

DiscountSavings
Multi-policy$52
Multi-vehicle$50
Homeowner$14
5-yr Accident Free$73
5-yr Claim Free$63
Paid in Full/EFT$46
Advance Quote$49
Online Quote$69
Total Discounts$416
Rate after discounts $558

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

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