Edited by Samuel MountjoyAverage Cost of Car Insurance in Wisconsin for 2026
Edited by Samuel Mountjoy
Quick Answer
Car insurance in Wisconsin costs an average of $1,879 annually or $157 per month. However, your driving record, annual mileage and the car you drive can all affect how much you pay for car insurance.
The average cost of car insurance in Wisconsin is $1,879 annually or $157 per month, according to February 2026 Experian data based on policies sold through our automotive insurance marketplace.
Here are the average premium costs for full and minimum coverage car insurance in Wisconsin:
| Type of Coverage | Annual Cost | Monthly Cost |
|---|---|---|
| Full coverage | $2,237 | $186 |
| Minimum coverage | $977 | $81 |
Source: Experian
Wisconsin drivers are required to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, and $10,000 per accident for property damage.
If your car is financed or leased, you typically need full coverage car insurance. Full coverage adds collision and comprehensive coverage, which covers needed repairs if the vehicle is damaged in a crash or by another event.
If your car isn't financed or leased, you could opt for minimum coverage insurance as a way to save on your monthly premium. However, this may not be enough to protect you financially. Insurance experts generally advise purchasing coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.
The cost of car insurance in Wisconsin can vary widely depending on factors such as:
- Your age (younger drivers typically pay more)
- Your driving record (incidents and violations tend to drive your rates up)
- How many miles you drive each year (lower mileage could save you money)
- The type and amount of coverage you buy (more coverage can drive up costs)
While our averages are good general guidelines, the actual price you pay for car insurance in Wisconsin could differ.
How Are Car Insurance Costs Trending?
The national average cost of car insurance has risen dramatically in recent years due to higher costs for vehicles, parts and repairs. Insurance companies are also raising rates to compensate for higher claims costs from increasingly serious accidents and severe weather events.
Average Annual Auto Insurance Premiums, 2023-2026
If you're not satisfied with how much you're paying for car insurance in Wisconsin, comparing car insurance quotes from other providers might help you find the same coverage for less. Experian's free car insurance comparison tool is a convenient way to gather quotes from multiple top insurance carriers at once.
Average Wisconsin Car Insurance Rates by Age and Gender
Your gender can also influence the cost of car insurance in Wisconsin. Women are statistically less likely to have serious car accidents or DUIs, according to the Insurance Information Institute, so they may pay less for car insurance.
The average cost of car insurance for men in Wisconsin is $1,933 annually or $161 per month. By comparison, women in Wisconsin pay an average of $1,814 annually or $151 per month for car insurance.
| Gender | Annual Cost | Monthly Cost |
|---|---|---|
| Male | $1,933 | $161 |
| Female | $1,814 | $151 |
Source: Experian
Note: Costs above are a blended average of full and minimum coverage policies
Younger drivers, particularly men, typically pay more than older drivers because they have a statistically higher rate of accidents. As you get older, your car insurance rates generally decline steadily until you reach your mid-70s, when they tend to tick upwards again.
The national average cost of car insurance for male drivers under 20 is $3,413 annually for car insurance, compared to $3,202 for female drivers in that age group.
| Age | Female | Male |
|---|---|---|
| Under 20 | $3,202 | $3,413 |
| 20-29 | $2,717 | $2,775 |
| 30-39 | $2,402 | $2,285 |
| 40-49 | $2,281 | $2,161 |
| 50-59 | $2,030 | $1,982 |
| 60-69 | $1,783 | $1,764 |
| 70-79 | $1,772 | $1,869 |
| 80 or above | $1,777 | $2,005 |
Source: Experian
Note: Costs above are a blended average of full and minimum coverage policies
Learn more: Average U.S. Car Insurance Rates by Age and Gender
How Your Driving Record Impacts Your Insurance Costs in Wisconsin
Safe drivers are generally less likely to be involved in accidents or receive traffic citations, which typically translates into lower insurance premiums. Wisconsin drivers with a "clean" driving record pay an average of $1,660 annually for auto insurance. Nationally, drivers with a clean driving record pay an average of $2,133 annually or $178 per month. One moving violation brings those premiums to an average of $2,582 per year.
A driving record showing moving violations or accidents (even those in which you weren't at fault) could lead insurance providers to view you as a high-risk driver and raise your premiums accordingly. Multiple car accidents or serious infractions such as DUIs can have a bigger effect on the cost of car insurance and might even cause your insurer to cancel your policy.
The chart below shows how the number and severity of infractions may impact your car insurance costs. Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.
| Driving Record | Annual Cost |
|---|---|
| Clean | $2,133 |
| 1 Incident | $2,504 |
| 1 Violation | $2,582 |
| 2 Incidents | $2,691 |
| 2 Violations | $2,605 |
| 3+ Incidents | $3,148 |
| 3+ Violations | $2,927 |
Source: Experian
Note: Costs above are a blended average of full and minimum coverage policies
Cheapest Car Insurance in Wisconsin
Elements such as your driving record, coverage amounts and vehicle play a big role in the cost of car insurance, but they aren't the only factors that affect your premiums. Each insurance company uses its own criteria when setting rates, which means the price you're quoted can differ widely from one insurance provider to another.
Shopping around and comparing quotes from a variety of insurance companies can help you find the most affordable car insurance for your needs. The table below shows the cheapest full coverage auto insurance among the insurance carriers that sell the most policies in Wisconsin.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Liberty Mutual | $1,028 | $86 |
| GEICO | $1,523 | $127 |
| SAFECO | $1,550 | $129 |
| Root | $1,728 | $144 |
| Progressive | $1,915 | $160 |
Source: Experian data as of February 2026
Note: Costs above represent insurance quotes, not policy premiums
We can't know the exact method each insurance company uses to set rates. However, factors such as the company's estimated claims payouts, projected operating costs, profitability goals and risk tolerance typically figure into the calculation. For instance, a company that has higher overhead expenses may charge less than one with low overhead.
How to Save on Car Insurance in Wisconsin
Whether you're paying more or less than the average price for car insurance in Wisconsin, there are several things you can do to save money on car insurance —without moving out of state.
Raise Your Deductible
Your deductible is the amount you're responsible for paying when you file a car insurance claim. Typically, insurance companies let you choose a deductible between $250 and $2,000.
Increasing your deductible usually reduces your premiums. However, it's important to make sure you can afford to cover the higher deductible in case of a claim. Evaluate the state of your emergency fund and other financial resources, and check with your insurance carrier to see how various deductibles would affect your premiums.
Seek Discounts
Ask your current car insurance company if they offer any discounts you aren't using; then check other providers' websites to see what discounts are available. You might be surprised what savings are available. For instance, you might save money by bundling home and auto insurance, paying your premium upfront, going paperless or setting up automatic payments.
If your high school or college student is on your car insurance, getting good grades or being away at school without a car could earn them a discount. See if your workplace or any membership organizations you belong to offer discounts on car insurance. You may even get discounts for getting insurance quotes online or signing documents online.
Eliminate Extra Coverage
Add-on insurance such as rental car reimbursement, windshield replacement or roadside assistance coverage can be nice to have, but isn't always necessary. When you're looking to save money, dropping these extras could lower your car insurance premiums. For instance, if your family has several cars, you may not need coverage for a rental car while your car is in the shop due to a claim.
You may also want to consider dropping collision and comprehensive coverage if your car is paid off and isn't worth very much. Collision and comprehensive coverage won't pay out more than the vehicle's value; if that's only a few thousand dollars, the coverage may not be worth the cost. Just make sure you could afford to replace or repair your vehicle out of pocket if it's totaled.
Drive Less
The more miles you drive, the greater your risk of being involved in an accident. Reducing your mileage could also reduce your insurance bill. Look for ways to cut your mileage, such as carpooling, biking or switching to remote work if your employer allows.
Driving fewer than 12,000 miles annually could qualify you for low-mileage car insurance discounts, which track your mileage through self-reported or third-party odometer readings or devices installed in your car. You can also explore pay-per-mile car insurance, which charges a monthly base rate plus a per-mile charge for each additional mile.
Drive Safely
Insurance companies that sell policies in Wisconsin can evaluate your driving record when setting your premiums. Going without citations or accidents can help lower your insurance costs, so focus on maintaining a clean driving record. Taking a defensive driving or safe driving course could earn you a discount on car insurance too.
Improve Your Credit
Insurance companies in most states, including Wisconsin, are allowed to review your credit-based insurance score when they're determining your premiums. A poor score could mean paying a higher price for auto insurance. Although your credit-based insurance scores aren't the same as your consumer credit scores, they are based on much of the same data. Taking action to improve your consumer credit score could positively impact your credit-based insurance score, which might save you money on car insurance.
Shop Around
Comparing quotes from a variety of insurance carriers could uncover lower rates on auto insurance. Make it a habit to shop around at least once a year. You can get car insurance quotes by visiting insurance company websites or by contacting insurance companies directly. If you'd like an easier way to explore your options, you can use Experian's free car insurance comparison tool. It collects car insurance quotes from multiple top insurance companies in Wisconsin so you can see which carrier offers the lowest rates.
Average Car Insurance Costs by State
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wyoming
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
Don’t overpay for auto insurance
If you’re looking for ways to cut back on monthly costs, it could be a good idea to see if you can save on your auto insurance.
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About the author
Karen Axelton
Karen Axelton is Experian’s in-house senior personal finance writer. She has over 20 years of experience as a journalist and has written or ghostwritten content for a variety of financial services companies.
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