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:
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.
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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Recommended Companies for Cheap Wisconsin Insurance
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.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
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.
|Rank||Company||Market Share||Average Rate|
|7||West Bend Mutual||3.03%||$908|
|Get Your Rates Quote Now|
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.
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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- How Much are Auto Insurance Quotes for Teenagers in Wisconsin?
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- Best Cheap Insurance for a Toyota RAV4 in Wisconsin
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$102|
|5-yr Claim Free||$88|
|Paid in Full/EFT||$64|
Discounts are estimated and may not be available from every company or in every state.