What's the Average Cost of Auto Insurance in Wisconsin?

The Zebra
Oct. 11, 2018

Auto insurance is relatively cheap in Wisconsin. The average car insurance premium in Wisconsin is $1,040 per year — 27.1% less than the national average.

Your auto insurance premiums are impacted by factors aside from your location. Car insurance rates price based on a number of factors, such as a motorist's age, credit rating, driving history, gender, and marital status.

We examined typical Wisconsin auto insurance prices by all of the major pricing factors. See below how much auto insurance costs in each US state — or enter your zip code to view tailored prices from leading car insurance companies.


Average Car Insurance Premiums in Wisconsin by Age

It's a common phenomenon: as you grow older, your car insurance prices change. Generally, auto insurance is more costly for young drivers and teens, as car insurers consider newer motorists as more risky.

In Wisconsin, car insurance costs $6,679 per year for a 16-year-old motorist, compared to $899 per annum for a client in their 50s.


WISCONSIN CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage Annual Rate
16$6,679.20
17$5,108.23
18$4,541.35
19$2,471.78
20s$1,417.77
30s$1,016.87
40s$974.97
50s$898.62
60s$928.45
70s$1,088.64



Average Auto Insurance Outlays in Wisconsin by Gender

While gender doesn’t carry as large an impact on car insurance prices as location or age, it is used as a rating factor. Women pay less than do men for auto insurance in Wisconsin, but the disparity is just $7.10 per year.

WISCONSIN CAR INSURANCE PRICES FOR MEN AND WOMEN
GenderAverage Yearly Cost
Male$1,032.41
Female$1,025.31



Average Car Insurance Rates in Wisconsin by Marital Status

One benefit of married life — aside from the honeymoon — is the improved deal you often get on insurance. In Wisconsin, married motorists save $87 each year on auto insurance. This is more than the national average of $76.


WISCONSIN CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,032.41
Married$945.39
Divorced$1,032.41
Widowed$1,022.85



Mean Auto Insurance Rates in Wisconsin by Credit

Car insurance companies use credit score as a prediction of the reliability of a prospective customer. Historical data show drivers who hold exceptional credit histories are often more dependable auto insurance clients: they less commonly file claims insurance companies are compelled to repay.

In Wisconsin, a car insurance client boasting unblemished credit saves $982.20 per year on car insurance rates, compared to a driver with a less-favorable credit score. Read more about how credit history can impact auto insurance expenses:


WISCONSIN AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit TierAverage Annual Rate
Very Poor (300-579)$1,882.33
Fair (580-669)$1,554.89
Good (670-739)$1,291.76
Very Good (740-799)$1,081.78
Exceptional (800-850)$900.13



Typical Car Insurance Costs for Bad Drivers in Wisconsin

If you’re found at fault in a driving incident or convicted of a driving infraction, your car insurance rates are bound to climb. The more violations you accumulate, the pricier your car insurance gets.

In Wisconsin, your first minor at-fault crash will cost $533.48 annually in auto insurance premiums. A DUI — considered one of the most serious driving violations — will raise your annual car insurance costs in Wisconsin by an average of $629.51.


WISCONSIN AUTO INSURANCE COSTS AFTER INFRACTIONS
AgeAverage Yearly Rate
DUI or DWI$1,669.94
Reckless Driving$1,516.10
At-Fault Accident (<$1,000)$1,573.91
At-Fault Accident ($1,000-$2,000)$2,100.15
At-Fault Accident (>$2,000)$1,573.91
Open Container$1,814.73
Speeding (21-25 MPH > limit)$1,664.48
Speeding (16-20 MPH > limit)$1,664.48

If you're facing above-average car insurance costs, it's worth getting quotes to find affordable coverage that works for you.


Compare over 200 insurance companies at once!

Don't forget to share!