Moving from Illinois to Wisconsin? You may need to update your car insurance.
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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:
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.
|State||Average Annual Cost|
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.
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.
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.
|Car Insurance Company||Average Annual Rate|
|Insurance Company||Average Annual Rate|
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.
|City||Average Annual Rate|
See a more comprehensive list of car insurance rates in Illinois cities here.
|City||Average Annual Rate|
Seeking data on another city? View rates in smaller Wisconsin cities here.
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: