Car Insurance Comparison: Illinois vs. Wisconsin

Moving from Illinois to Wisconsin? You may need to update your car insurance.

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Comparing auto insurance in Illinois and Wisconsin

If you’re moving from Illinois to Wisconsin, chances are you're focusing on the high-level concerns and expenses: finding a dependable long-haul moving service, getting somewhere to live in your new state, and physically moving across state lines.

With so many moving parts, it’s easy to overlook the details. Car insurance is among the many details, but it's a big one. To remain on the right side of the law, plan to reevaluate your policy — or find a new insurance company — when you move between states.

Read our guide to car insurance in Illinois versus Wisconsin and take the strain out of your move. We'll cover:

 

  1. Insurance rate comparison
  2. Insurance rates by coverage level
  3. Affordable companies by state
  4. Rates in major cities
  5. Additional resources

 

Is car insurance cheaper in Illinois or Wisconsin?

You should expect to pay more for auto insurance once you move. The typical annual auto insurance rate in Wisconsin is $6 pricier than the average rate in Illinois. The precise cost will depend on your coverage choice, driving history, and your car insurance company.

 

CAR INSURANCE PREMIUMS IN ILLINOIS AND WISCONSIN
State Average Annual Cost
Illinois $1,270
Wisconsin $1,276

 

Average car insurance rates by coverage level

The cost of your car insurance coverage depends on how you use your vehicle and how much protection you want.

If you go with your state's minimum coverage, you will get bodily injury, medical payment, and property damage liability coverages, along with uninsured and underinsured motorist coverage and personal injury protection (PIP) in some states.

 

AUTO INSURANCE PREMIUMS FOR MINIMUM COVERAGE IN ILLINOIS vs. WISCONSIN
Location Duration Rate
Illinois Annual $422
Wisconsin Annual $364
Illinois 6-Month $211
Wisconsin 6-Month $182
Illinois Monthly $35
Wisconsin Monthly $30

 

Choosing to carry full-coverage auto insurance will certainly cost more, but you can rely on collision and comprehensive coverage levels, along with rental reimbursement and roadside assistance protection. The chief benefit of full coverage is that it insures you and your vehicle more comprehensively than does minimum liability coverage. If you're motivated to protect your investment, consider full coverage.

 

AUTO INSURANCE PREMIUMS FOR FULL COVERAGE IN ILLINOIS vs. WISCONSIN
Location Duration Premium
Illinois Annual $1,120
Wisconsin Annual $1,061
Illinois 6-Month $560
Wisconsin 6-Month $531
Illinois Monthly $93
Wisconsin Monthly $88

 

Inexpensive car insurance companies in Illinois and Wisconsin

A major contributor to your auto insurance costs is the auto insurance company you choose. Companies assign rates in a variety of ways, leading to major price variations. Your location also matters: some insurance companies have limited geographic range, while major insurers’ rates may vary by state.

When swapping states, you should look to find the best cheap car insurance company in your new location. Get started below by viewing the five cheapest auto insurance companies in Illinois and Wisconsin.

 

AFFORDABLE CAR INSURANCE COMPANIES IN ILLINOIS
Car Insurance Company Average Annual Rate
The Hartford $761
Rockford Mutual $830
Titan $869
Erie $896
Cincinnati $906

 

 

AFFORDABLE AUTO INSURANCE COMPANIES IN WISCONSIN
Insurance Company Average Annual Rate
USAA $592
Partners Mutual $620
Erie $710
Rockford Mutual $739
Pekin Insurance $760

 

View more auto insurance companies available in Wisconsin and Illinois.

 

Car insurance rates by city in Illinois and Wisconsin

Though car insurance is legislated on a state-by-state level, insurers assign rates by ZIP code to adjust for unique factors such as density and the likelihood of a crash. The location to which you move plays a big part in deciding how much you pay for auto insurance.

The below tables show auto insurance rates in major cities in Wisconsin and Illinois.

 

AUTO INSURANCE RATES BY CITY IN ILLINOIS
City Average Annual Rate
Chicago $1,514
Aurora $1,064
Rockford $1,130
Joliet $1,157
Naperville $1,032

 

 

AUTO INSURANCE RATES BY CITY IN WISCONSIN
City Average Annual Rate
Milwaukee $1,382
Madison $1,051
Green Bay $950
Kenosha $1,206
Racine $1,205

 

 

Further reading: moving from Illinois to Wisconsin

When you pack up and move from Illinois to Wisconsin, you will encounter new driving laws, different FR-44 or SR-22 requirements, and more. Make sure your interstate move goes smoothly with our data on your new state:

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.