Average Cost of Auto Insurance in Wisconsin (2021 rate)

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Drivers in Wisconsin pay an average of $ 1,186 per year for full coverage and $ 332 per year for minimum auto insurance. Of course, premiums are influenced by a variety of factors, but the top four are which auto insurance company you choose, your age, city, and driving history. This means that the best Wisconsin auto insurance company often varies from driver to driver.

How Much Does Auto Insurance Cost in Wisconsin?

Your state’s insurance requirements are just one of the many factors that influence the amount you pay for auto insurance. Other factors that affect Wisconsin auto insurance rates are your age, marital status, and the amount of coverage you choose, but there are a multitude of factors that could have an impact:

  • Your city
  • Driving history
  • Deductible
  • Discounts
  • Insurance provider
  • Marital status
  • Credit score

The average cost of auto insurance in Wisconsin is $ 332 per year for minimum coverage and $ 1,186 per year for full coverage, which is considerably lower than the national annual averages of $ 565 and $ 1,674. for the same types of coverage, respectively. Of the 50 states, Wisconsin is the sixth cheapest for premiums.

Wisconsin Auto Insurance Rates by Company

Below are the average auto insurance rates in Wisconsin with each major auto insurance provider. Since prices can vary widely, shopping around is generally a good practice and could help you find the cheapest supplier.

Auto insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $ 235 $ 1,184
Acuity $ 331 $ 1,241
Allstate $ 483 $ 1,594
American family $ 447 $ 901
Car owners $ 374 $ 1,256
Chubb $ 498 $ 1,559
Erie $ 218 $ 922
Farmers $ 343 $ 1,248
Geico $ 227 $ 1,031
Mutual of Hastings $ 349 $ 890
MetLife $ 552 $ 1,879
Beijing $ 200 $ 862
Penn National $ 235 $ 1,100
Progressive $ 277 $ 919
Rockford Mutual $ 208 $ 946
Rural mutual $ 246 $ 1,070
Secura $ 304 $ 959
Sentinel $ 518 $ 2,020
State farm $ 231 $ 785
Travelers $ 308 $ 886
United States $ 199 $ 785
West curve $ 277 $ 952
Western National $ 218 $ 1,541

Auto Insurance Rates in Wisconsin by City

The fares below are the average amounts paid by drivers in Wisconsin’s 20 most populous cities. The table shows how each city in Wisconsin compares in terms of rate to the state’s average price for full coverage, which is $ 1,186 per year.

City Average annual premium for full coverage % difference from the average annual state premium
Milwaukee $ 1,525 29%
Madison $ 1,025 -14%
Appleton $ 984 -17%
Kenosha $ 1,185 0%
Green Bay $ 972 -18%
Waukesha $ 1,054 -11%
Oshkosh $ 983 -17%
Clear water $ 1,041 -12%
Root $ 1,191 0%
Janesville $ 1,005 -15%
Sheboygan $ 978 -18%
Allies of the West $ 1,294 9%
The cross $ 1,117 -6%
Bottom of the lake $ 996 -16%
Beloit $ 1,029 -13%
West curve $ 1,040 -12%
Wausau $ 1,067 -ten%
Wauwatosa $ 1,374 16%
Neenah $ 973 -18%
Brookfield $ 1,048 -12%

Wisconsin Auto Insurance Rates by Age

While not the only factor that determines the cost of a premium, age plays a critical role in underwriting. Wisconsin drivers might expect their premium to be in the range of the amounts below for each age group.

* Age of 16 calculated on the disclosure of the policy by the parents.

Wisconsin Auto Insurance Rates by Driving Record

Usually, a speeding ticket, an accident, and a DUI will all increase your premium by a significant amount. Plus, if you’ve been convicted in the past, you could pay a lot more for insurance than someone who doesn’t.

Driving incident Average Annual Full Coverage Premium in Wisconsin % increase in average annual premium
Speeding $ 1,407 17%
Accident $ 1,568 28%
DUI $ 2,207 60%

How To Save On Auto Insurance In Wisconsin

Wisconsin drivers looking for inexpensive auto insurance or ways to save money can consider the following strategies:

  • Increase your deductible: Your auto insurance provider most likely offers a variety of deductible levels. If you increase your deductible, you will decrease your monthly premium. Just keep in mind that you will receive less insurance benefits if you have an accident.
  • Driving an old car: Older cars don’t cost as much to replace and are generally cheaper to insure. To really maximize your savings, you may be able to take advantage of discounts on safety features (such as discounts on air bags and discounts on anti-lock brakes).
  • Compare suppliers: Insurers charge drivers different rates because everyone has their own pricing algorithm. You cannot assume that you will be charged the same amount wherever you go, so it can be helpful to compare the same coverage across companies.
  • Compare discounts: Although two companies can offer the same discounts, you can save more with one supplier than the other. To see how much you could save with each rebate, you’ll likely need to talk to an agent to get the bottom line.

Frequently Asked Questions

Is it difficult to change car insurer?

You can usually change auto insurance providers in about nine steps. As is usually the case, you’ll probably want to start the process by doing your own research based on your criteria. Insurance experts recommend purchasing new coverage before your current policy expires. Otherwise, a hedging gap could lead to an increase in rates.

Which company offers the cheapest car insurance in Wisconsin?

The cheapest auto insurance company in Wisconsin varies from person to person, which is why shopping around helps ensure the best rate. This can also change based on your zip code, as there may be more local insurance provider agents in one location than another. However, on average, Wisconsin drivers tend to find the cheapest premiums with Erie, USAA, Geico, State Farm, and the Automobile Club of Wisconsin.

How Much Does Auto Insurance Cost in Wisconsin Per Month?

Car insurance costs vary from person to person. However, if we calculate the average amounts that drivers pay – $ 1,186 per year for full coverage and $ 332 per year for minimum coverage – then the costs are:

  • $ 98.83 per month on average for full coverage
  • $ 27.67 per month on average for minimum coverage

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • $ 100,000 liability for bodily injury per person
  • $ 300,000 in civil liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.

Age: The rates were calculated by evaluating our baseline profile with ages 18-60 (baseline: 40) applied.

Incident: The rates were calculated by evaluating our basic profile with the following incidents applied: clean criminal record (basic), responsible accident, single speeding ticket, single conviction for driving while intoxicated and forfeiture of coverage.


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