How Much Is Car Insurance In Wisconsin? 2025 Rates

Wisconsin is known for its rich culture, history, and beautiful landscapes. Car insurance in the state is also fairly affordable. The average annual cost for full coverage is $1,829, which is below the national average of $2,629. For minimum coverage, the average cost is $441 per year, also lower than the national average of $742.

In this article, we’ll take a closer look at the various car insurance options in Wisconsin, what they cost, and the key factors that influence your premiums. With more than 12 years of experience as a licensed insurance agent, I’ll guide you through the details to help you find the best coverage for your needs.

Average Cost Of Car Insurance In Wisconsin – By Age

Age plays a key role in determining car insurance rates, as auto insurers use it to assess driving experience and the likelihood of a claim. Generally, drivers under 25 pay higher premiums due to their lack of experience. Middle-aged drivers often benefit from lower rates, assuming they have a clean driving record.

For example, the difference between car insurance rates among teen drivers and middle aged drivers in Wisconsin is $4,448. However, after the age of 65, premiums may start to increase again for senior drivers.

Below is a table showing the average car insurance costs by age:

Average Wisconsin Auto Insurance Rates – By Insurance Company

Every insurance company has its own method for calculating premiums. While all insurers consider factors like the type of vehicle, driving history, and location, they may place different importance on these factors, which leads to varying rates between companies.

Also, not all insurance companies provide the same discounts. Some may offer discounts that better match your lifestyle. It’s a good idea to compare quotes from different companies to find the best option for your budget and needs.

Below is a table showing the average auto insurance rates from six major providers in Wisconsin:

Average Wisconsin Car Insurance Premiums – By Credit Score

Many insurance companies rely on your credit score to set your rates and determine your eligibility for coverage. People with higher credit scores usually have fewer accidents, which makes them less of a risk to insurers. As a result, they often pay lower premiums compared to those with lower credit scores.

Below is a table showing the average car insurance premiums based on different credit score categories in Wisconsin.

Average Car Insurance Costs In Wisconsin – By Gender

Car insurance rates vary between young men and women because insurers consider gender when setting premiums. Young male drivers usually pay higher rates due to their increased risk of accidents compared to young female drivers. However, there’s a slight variation in rates in middle aged drivers.

Here’s a table showing the average car insurance costs by gender in Wisconsin:

Average Cost Of Wisconsin Car Insurance – By Driver Record

Your driving record is another key factor in determining your car insurance rates in Wisconsin. Insurance companies use data to assess risk, and drivers with speeding tickets or accidents are seen as more likely to engage in risky driving in the future.

As a result, these drivers typically face higher premiums, as insurers adjust their rates to account for the increased risk.

Here is a table displaying average car insurance costs based on different driving records in Wisconsin:

Average Wisconsin Auto Insurance Costs – By Marital Status

Married drivers usually pay less for car insurance compared to single drivers. Insurance companies view married individuals as more financially stable and less likely to make claims.

Here is a table displaying average car insurance costs by marital status in Wisconsin:

Average Cost Of Car Insurance In Wisconsin – By Coverage Type

If you choose comprehensive or collision coverage in addition to your standard liability insurance, your premiums will be higher. Similarly, if you select a lower deductible, you can expect to pay more each month.

In Wisconsin, the minimum car insurance requirements include bodily injury liability of $25,000 per person and $50,000 per accident. Property damage liability must cover at least $10,000 per accident. Additionally, uninsured motorist liability is required to be $25,000 per person and $50,000 per accident.

Here is a table displaying average car insurance costs by coverage type in Wisconsin:

Average Wisconsin Car Insurance Rates – By City

Where you live plays a big role in your car insurance rates. Different areas have different risks, like more accidents, higher crime rates, traffic, and weather conditions. As a result, drivers in cities usually pay more for insurance than those in rural areas because there’s a higher chance of accidents, theft, and damage.

For example, Milwaukee is the most populated city in Wisconsin, which means more traffic and a higher risk of accidents. As a result, drivers in Milwaukee generally face higher car insurance rates compared to those in less populated areas.

In the following table, we explore the average car insurance costs in eight different Wisconsin cities to illustrate these differences.

Average Wisconsin Car Insurance Rates By ZIP Code

A ZIP code can affect car insurance rates because it helps insurers assess the risk in a specific area. Factors like accident history, traffic, crime rates, population size, and weather conditions all play a role. Areas with higher risks tend to have higher insurance rates, while areas with fewer risks usually have lower rates.

The table below shows the average car insurance rates in various Wisconsin zip codes, highlighting how rates vary depending on the location.

Compare Wisconsin Car Insurance Rates To Other U.S. States

Understanding car insurance rates in different states is important because it helps you make informed decisions about your own coverage in Wisconsin. Rates can vary greatly from one state to another, influenced by factors such as local driving conditions, accident rates, population density, and even state laws.

By comparing quotes from other states, you can gain insights into how your state’s rates compare and what influences those prices.

In the following table, we provide you with a comprehensive comparison of average car insurance rates across all U.S. states, providing a clearer picture of how Wisconsin fares on the national stage.