Average cost of car insurance in Wisconsin

Wisconsin drivers pay on average $1,186 per year for full coverage and $332 for minimum auto insurance. Premiums can be affected by many factors. The main four are your choice of car insurance, your age, location, driving record, and driving history. This means that the best Wisconsin auto insurance company can often vary from one driver.

What is the cost of car insurance in Wisconsin?

The amount that you pay for your car insurance is affected by the state’s requirements. Your age, marital status, and the coverage you choose will all have an impact on your Wisconsin auto insurance rates. However, there are many other factors that can also affect your car insurance rates.

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

Wisconsin’s average car insurance cost is $332 per annum for minimum coverage, and $1,186 for full coverage. This is significantly lower than the national averages of $565 per year and $1,674 per annum for the same coverage types. Wisconsin is the sixth-cheapest state for premiums out of all 50.

Wisconsin car insurance rates by firm

Here are the average car insurance rates for Wisconsin, with each major provider. You can find the lowest rate provider by shopping around. Rates can vary greatly so it is a good idea to shop around.

Car insurance rates in Wisconsin by city

Below are the average rates drivers pay in Wisconsin’s 20 most populous cities. This table compares each Wisconsin city’s rates to the $1,186 annual state average price for full insurance coverage.

Car insurance rates in Wisconsin based on age

Age is a key factor in underwriting, but it’s not the only thing that affects the premium cost. Wisconsin drivers can expect their premiums to be around the amount below for each age group.

Wisconsin car insurance rates for driving record

A DUI, speeding ticket or accident will generally increase your premium. Insurance premiums can be higher for those with previous convictions than those without.

How to Save on Wisconsin Car Insurance

These strategies might be helpful for Wisconsin residents looking for low-cost car insurance, or ways to save:

  • You can increase your deductible. Most likely, your car insurance provider offers several deductible levels. Your monthly premium will drop if you raise your deductible. Keep in mind, however, that you will get less insurance payouts if there is an accident.
  • Driving an older car is a smart move. Older cars are less expensive to replace and more affordable to insure. You may qualify for safety discount coupons (such as anti-lock brake discounts or air-bag discounts) to maximize your savings.
  • Compare insurance providers: Each provider has its own pricing system, so drivers may be charged different rates. It is impossible to assume that you will be charged the exact same amount no matter where you are, so it may be a good idea to compare coverages between companies.
  • Compare discounts: Although two companies might offer the same discount, there may be more savings with one company than another. Talk to an agent to find out how much you can save on each discount.

Questions frequently asked

It is possible to change car insurance providers.

In general you can change your car insurance provider within nine steps. You will want to begin the process by doing your own research on the criteria you have. Experts in insurance recommend purchasing new coverage before your current policy expires. A gap in coverage can lead to higher rates.

Which Wisconsin company has the lowest car insurance?

There will be a different price for car insurance in Wisconsin. This is why it is important to shop around and get the best deal. You may also find more insurance providers in one area than another. This could affect your rate. On average, Wisconsin drivers find the lowest premiums with Erie, USAA Geico, State Farm, and Wisconsin’s Automobile Club.

What is the monthly cost of car insurance in Wisconsin?

Insurance costs for car insurance will vary from one person to the next. If we take the average amount drivers pay for full coverage at $1,186 and minimum coverage at $332, then these are the costs.

  • Average monthly cost of full coverage: $98.83
  • Minimum coverage: $27.67 per Month