Wisconsin Car Insurance Quotes & Average Rates

Full coverage car insurance in Wisconsin is estimated at $1,558 a year, or $130 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $448 a year. Wisconsin is an at-fault state, and drivers must carry 25/50/10 liability limits. Below you will find estimated rates for 55 Wisconsin cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Wisconsin

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$130/ month

$1,558 per year · carriers in Wisconsin typically quote $1,106 – $2,151

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Wisconsin

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,184	$99	-24%	Military members and families only
Geico	$1,278	$107	-18%	Usually cheapest for clean records
State Farm	$1,371	$114	-12%	Strong for young and student drivers
Progressive	$1,480	$123	-5%	Competitive after a ticket or accident
Travelers	$1,511	$126	-3%	Good multi-policy discounts
Nationwide	$1,558	$130	0%	Mid-market, wide availability
Allstate	$1,776	$148	+14%	Higher base rate, heavy discount stacking
Farmers	$1,885	$157	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Wisconsin. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Wisconsin car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$4,209	$1,210	$351
18 years old	$3,550	$1,021	$296
20 years old	$2,940	$845	$245
22 years old	$2,442	$702	$203
25 years old	$1,864	$536	$155
30 years old	$1,607	$462	$134
40 years old	$1,510	$434	$126
50 years old	$1,446	$416	$120
60 years old	$1,430	$411	$119
65 years old	$1,494	$430	$125
70 years old	$1,639	$471	$137
75 years old	$1,912	$550	$159

Estimated premiums by age in Wisconsin, clean record, sedan.

How violations change your Wisconsin premium

Driving record	Est. annual	Increase
Clean record	$1,558	—
1 speeding ticket	$1,917	+23%
1 at-fault accident	$2,291	+47%
DUI / DWI	$2,945	+89%

What a violation costs a 35-year-old in Wisconsin. Surcharges normally stay on the policy for three to five years.

A DUI in Wisconsin usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Wisconsin minimum insurance requirements

Required coverage in Wisconsin	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$10,000
Uninsured motorist 25/50	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Wisconsin Department of Insurance before you buy.

Coverage levels in Wisconsin

Coverage level	Est. annual	Est. monthly
State minimum liability	$448	$37
Full coverage (100/300/100 + comp & collision)	$1,558	$130
Full coverage, high limits + low deductible	$1,854	$155

Coverage level comparison for Wisconsin.

Car insurance rates in Wisconsin cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 55 Wisconsin cities we price.

Milwaukee$1,800 Madison$1,676 Green Bay$1,552 Kenosha$1,552 Racine$1,552 Appleton$1,552 Waukesha$1,552 Eau Claire$1,552 Oshkosh$1,552 Janesville$1,552 West Allis$1,552 La Crosse$1,459 North La Crosse$1,459 Sheboygan$1,459 Wauwatosa$1,459 Fond du Lac$1,459 New Berlin$1,459 Wausau$1,459 Brookfield$1,459 Greenfield$1,459 Beloit$1,459 Franklin$1,459 Menomonee Falls$1,459 Oak Creek$1,459 Manitowoc$1,459 Sun Prairie$1,459 West Bend$1,459 Fitchburg$1,381 Stevens Point$1,381 Superior$1,381 Mount Pleasant$1,381 Neenah$1,381 Muskego$1,381 De Pere$1,381 Caledonia$1,381 Watertown$1,381 Mequon$1,381 South Milwaukee$1,381 Pleasant Prairie$1,381 Germantown$1,381 Howard$1,381 Middleton$1,381 Marshfield$1,381 Onalaska$1,381 Cudahy$1,381 Wisconsin Rapids$1,381 Menasha$1,381 Ashwaubenon$1,381 Beaver Dam$1,381 Oconomowoc$1,381 Menomonie$1,381 Kaukauna$1,381 Bellevue$1,381 River Falls$1,381 Weston$1,381

Frequently asked questions

▸How much is car insurance in Wisconsin?

Full coverage in Wisconsin is estimated at $1,558 a year, or $130 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $448 a year.

▸What car insurance is required in Wisconsin?

Wisconsin requires $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage, plus uninsured motorist 25/50.

▸Is Wisconsin a no-fault state?

No. Wisconsin is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Wisconsin city has the cheapest car insurance?

Of the 55 Wisconsin cities we price, Weston carries the lowest estimate at $1,381 a year, while Milwaukee is highest at $1,800. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Wisconsin?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.