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

The Zebra
Feb. 8, 2019

Car insurance is inexpensive in Wisconsin. The average auto insurance premium in Wisconsin is $1,040 per year — less than the nationwide average by 27.1%.

Your auto insurance premiums are impacted by more than just state lines. Car insurance premiums take into account an array of factors, such as one's driving record, credit history, gender, age, and marital status.

We assessed average Wisconsin auto insurance rates by each of the primary pricing qualifications. See below how much car insurance costs in your state — or enter your zip to receive personalized rates from top insurers.


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Wisconsin auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Car Insurance Expenditure in Wisconsin by Age

It's unavoidable: as you get older, your car insurance premiums shift. Generally, auto insurance is more costly for young drivers, as car insurers see inexperienced motorists as less responsible.

In Wisconsin, car coverage runs $6,679 each year for a 16-year-old motorist, but only $899 yearly for a client aged from 50 to 60.


WISCONSIN AUTO INSURANCE PRICES BY AGE
AgeAverage Yearly Premium
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

If you're facing the frightful prospect of finding insurance for a teen driver, consider that Wisconsin is the 30th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Rates in Wisconsin by Gender

While gender does not have as large an impact on car insurance rates as state or experience level, it is incorporated as a rating factor by car insurance underwriters.


WISCONSIN CAR INSURANCE RATES BY GENDER
GenderAverage Yearly Cost
Male$1,032.41
Female$1,025.31

If you're concerned you might not be getting the best possible value with your current auto insurance company, the best option is to compare insurance companies.




Average Auto Insurance Premiums in Wisconsin by Marriage Status

A pro of wedlock — in addition to the honeymoon — is the price cut you typically receive on insurance. In Wisconsin, married drivers save $87 per year on car insurance. This is a better deal than the national average of $76.


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

Car insurance coverage for divorced drivers in Wisconsin is the 44th most expensive in the . If you are paying too much for your auto insurance policy, do some shopping. You never know when you'll find a great deal!




Average Auto Insurance Prices in Wisconsin by Credit

Car insurance companies use credit score to get an idea of how reliable a customer will be. Historical trends suggest motorists with exceptional credit histories are more dependable car insurance customers: they are less likely to file claims covered by auto insurance.

In Wisconsin, a driver with unblemished credit can save $982.20 each year in auto insurance premiums, contrasted with a driver who has a less-favorable credit rating. Read more about how credit affects car insurance rates:


WISCONSIN CAR INSURANCE EXPENDITURES BY CREDIT TIER
Credit ScoreAverage 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

Finding affordable car insurance if you're saddled with bad credit can be difficult. But we're here to assist. Check out our guide to finding auto insurance with poor credit and learn how to save!




Average Car Insurance Costs for High-Risk Motorists in Wisconsin

If you've been determined to be at fault in an accident or convicted of a vehicular infraction, your insurance rates are bound to grow. The more violations you amass, the more expensive your car insurance policy gets.

In Wisconsin, your first minor at-fault accident will cost you $533.48 annually in auto insurance premiums. A DUI — thought of as one of the most severe vehicular infractions — could boost your annual car insurance costs in Wisconsin by an average of $629.51.


WISCONSIN CAR INSURANCE PREMIUMS AFTER VIOLATIONS
AgeAverage Annual Premium
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 auto insurance costs, consider insurance shopping to discover cheap insurance coverage that meets state regulations.




Average Car Insurance Costs by Coverage Level in Wisconsin

The amount you pay each month for car insurance depends on the tier of coverage you select. A liability-only policy usually costs less, while low-deductible comprehensive coverage costs more. In Wisconsin, the price gap between state-minimum liability-only coverage and full coverage with a $500 deductible is $648.


WISCONSIN AUTO INSURANCE PREMIUMS BY COVERAGE TIER
Coverage LevelAverage Yearly Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$469
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$971
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,113
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$413
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$919
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,061
State Minimum — Liability Only$364
State Minimum — $1,000 Comprehensive/Collision$869
State Minimum — $500 Comprehensive/Collision$1,012

If your policy is more costly than the state average, think about shopping policies to discover cheap coverage that fits your needs.