Are Auto Insurance Rates Going Up in Wisconsin?

As most drivers can attest, auto insurance rates usually rise each year. But car insurance is complex: justifications for rate hikes and price cuts vary, and may differ based on the driver's location.

Among the primary rating factors insurance companies use to set rates is location. The state, city, and ZIP code in which a car is stored and driven contribute to auto insurance rates — this comes down to state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Due to the dynamic nature of car insurance pricing, rate trends vary widely by state. Auto insurance prices might be increasing year-over-year in a state while they drop in a neighboring state.

See below auto insurance rate trends in Wisconsin. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's car insurance comparison engine furnishes car insurance rates based on your specific profile — enter your ZIP below to get started.

Car insurance price trends in Wisconsin

Average annual auto insurance premiums in Wisconsin increased by $34 from 2017 to 2018. A normal driver in Wisconsin pays an average of $1,070 annually.

The recent trend in Wisconsin leans toward more expensive auto insurance costs. Between 2015 and 2018, rates grew more expensive by $14 annually. Meanwhile, auto insurance rates nationwide have gone up recently, rising from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Wisconsin Yearly Change — Wisconsin Avg. Annual Premium — USA Yearly Change — US
2018 $1,070 $34 $1,470 $32
2017 $1,036 -$78 $1,437 $69
2016 $1,114 $58 $1,368 $88
2015 $1,056 $57 $1,280 $51
2014 $999 $62 $1,229 $34
2013 $937 -$13 $1,195 -$80
2012 $950 $154 $1,276 $82

If your rates are rising faster than the average in your state, compare insurance quotes to find a better deal.

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How are auto insurance rates trending in major cities in Wisconsin?

Auto insurance rates are priced at the local level, with many location-specific variables influencing premiums. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. For example, drivers in Milwaukee faced a bigger year-over-year rate increase (5.7%) than their intrastate neighbors in Madison (4.2%) between 2018 and 2017.

See below annual rate changes in major Wisconsin municipalities. If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.

City Avg. Premium Increase — 2018 vs. 2017
Milwaukee 5.7%
Madison 4.2%
Appleton 4.1%
Green Bay 4.1%
Kenosha 3.6%

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.