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:
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- Insurance rate comparison
- Insurance rates by coverage level
- Affordable companies by state
- Rates in major cities
- Additional resources
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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.
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CAR INSURANCE PREMIUMS IN ILLINOIS AND WISCONSIN
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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.
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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 |
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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.
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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 |
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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.
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AFFORDABLE CAR INSURANCE COMPANIES IN ILLINOIS
| Car Insurance Company | Average Annual Rate |
| The Hartford | $761 |
| Rockford Mutual | $830 |
| Titan | $869 |
| Erie | $896 |
| Cincinnati | $906 |
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AFFORDABLE AUTO INSURANCE COMPANIES IN WISCONSIN
| Insurance Company | Average Annual Rate |
| USAA | $592 |
| Partners Mutual | $620 |
| Erie | $710 |
| Rockford Mutual | $739 |
| Pekin Insurance | $760 |
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View more auto insurance companies available in Wisconsin and Illinois.
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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.
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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 |
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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 |
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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:
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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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.