Wisconsin Auto Insurance (2023)

Wisconsin car insurance rates are lower than the national average but vary by age, driving record, credit score, and location.

Coverage amount also affects rates. Though WI drivers only need the minimum liability auto insurance and uninsured motorist auto insurance coverages, most find the requirements don’t fulfill their needs.

While full coverage is more expensive, Wisconsin rates are still below average. So shop around to find the coverage you need with the lowest rates.

Keep reading to learn more about cheap car insurance in Wisconsin and see what factors affect your rates.

How much is car insurance in Wisconsin?

While car insurance in Wisconsin is much lower than the national average, there are many factors that affect auto insurance rates. Each car insurance company weighs your factors differently, and insurers’ rates vary.

Your coverage amount significantly impacts your insurance rates. While Wisconsin’s mandatory coverage requirements are low, they might not offer you adequate protection.

Wisconsin only requires a small amount of liability auto insurance coverage, covering bodily injuries and property damage to others. Full coverage includes Wisconsin requirements, collision, and comprehensive coverage to pay for vehicle damages.

This map shows how average car insurance rates in Wisconsin compare with other states for liability-only coverage.

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When it comes to average full coverage auto insurance rates, here’s how Wisconsin stacks up with the rest of the U.S.

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USAA auto insurance typically offers the cheapest rates for each coverage type, but it’s only available to military members and their families. Geico auto insurance offers the most affordable insurance to all drivers in Wisconsin for all coverage types.

While full coverage is more expensive than liability coverage, you’ll pay less out of pocket to repair your vehicle. 

How does your age affect Wisconsin car insurance rates?

Your age also affects your rates since young drivers lack experience and are more likely to be in accidents. Conversely, older, more experienced drivers typically see much lower rates.

This table shows average Wisconsin car insurance rates from top companies based on age and gender.

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Auto insurance for teens and young drivers is the most expensive. Young Wisconsin drivers pay almost 300% more than older drivers. In addition, unmarried male drivers also pay higher rates than married female drivers. Unmarried or male drivers tend to take more risks and are more likely to be in accidents.

Does an accident affect Wisconsin auto insurance rates?

Your driving record significantly impacts car insurance rates. Accidents and tickets indicate you’ll likely cost the insurance company money. As a result, your rates are much higher than drivers with a clean driving record.

With average rates of just over $790 a year, American Family auto insurance has the lowest rates for Wisconsin drivers with an at-fault accident on their records.

Cheap auto insurance after an accident is more difficult to find. This table shows how much an accident affects your car insurance rates in Wisconsin.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with an Accident

Insurance Company	Rates with an Accident	Rates with a Clean Record
Allstate	$225	$160
American Family	$176	$117
Average	$172	$120
Farmers	$198	$139
Geico	$132	$80
Liberty Mutual	$234	$173
Nationwide	$161	$115
Progressive	$186	$105
State Farm	$102	$86
Travelers	$139	$99
Get Your Rates Quote Now					#blank#	#blank#

Although drivers with accidents on their driving records pay higher rates, it’s not forever. Accidents and tickets stop affecting insurance rates after three to five years in Wisconsin. 

So, even if your car insurance rates are higher because of an accident, they go down in five years if you avoid adding more infractions.

How does a DUI affect your Wisconsin car insurance?

A DUI affects car insurance rates much more than an accident or ticket. In addition, a DUI stays on your record for up to 10 years, meaning your rates are significantly higher for a decade.

State Farm is likely to be your best bet for cheap auto insurance for drivers with a DUI in Wisconsin, with average annual rates of $755. Check out our State Farm auto insurance review for more information.

This table shows average Wisconsin rates for drivers with a DUI from top car insurance companies.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a DUI

Insurance Company	Rates with a DUI	Rates with a Clean Record
State Farm	$112	$86
Progressive	$140	$105
Farmers	$192	$139
American Family	$194	$117
Travelers	$206	$99
Geico	$216	$80
Nationwide	$234	$115
Allstate	$270	$160
Liberty Mutual	$313	$173
Average	$209	$120
Get Your Rates Quote Now					#blank#	#blank#

Each car insurance company weighs a DUI differently and offers different rates. While you can expect significantly higher rates regardless, you may be able to find affordable coverage by shopping around.

How do traffic tickets affect your auto insurance rates in Wisconsin?

Just like being at fault in an accident or having a DUI, speeding tickets affect your car insurance rates.

Again, State Farm looks to be the best option for drivers with a ticket. Just like a DUI, the average rate in Wisconsin is $755.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a Traffic Ticket

Insurance Company	Rates with a Ticket	Rates with a Clean Record
Allstate	$188	$160
American Family	$136	$117
Farmers	$173	$139
Geico	$106	$80
Liberty Mutual	$212	$173
Nationwide	$137	$115
Progressive	$140	$105
State Farm	$96	$86
Travelers	$134	$99
Average	$147	$120
Get Your Rates Quote Now					#blank#	#blank#

As you can see, keeping your driving record clean can help you save money on car insurance.

How does your credit score affect auto insurance in Wisconsin?

Many drivers aren’t aware that their credit score affects car insurance rates. Insurance companies use a credit score to determine car insurance rates because they believe drivers with poor credit are more likely to file a claim and be unable to pay for damages out of pocket.

Wisconsin drivers with poor credit pay significantly higher rates. Fortunately, drivers can lower car insurance rates by improving their credit scores.

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How do WI car insurance rates change by the city?

Where you live also affects insurance rates. Drivers living in a city with a high theft rate or a large traffic volume see higher rates since they’re more likely to file a claim. For example, car insurance in Milwaukee, WI is much higher than in rural areas.

Although Milwaukee auto insurance quotes are the most expensive, you can find the cheapest coverage in Ashwaubenon. Areas with lower crime and traffic also tend to see lower rates.

What car insurance coverages does Wisconsin require?

Like most states, drivers in Wisconsin must carry a minimum amount of car insurance to drive legally. However, minimums usually aren’t sufficient to cover damages.

The minimum car insurance coverage in Wisconsin is:

• Bodily injury liability: $25,000 per person
• Bodily injury liability: $50,000 per accident
• Property damage liability: $10,000 per accident
• Uninsured motorist property damage: $25,000 per person
• Uninsured motorist property damage: $50,000 per accident

Wisconsin minimums don’t offer much protection. While it pays for damages to others, or if an uninsured motorist hits you, it doesn’t protect your vehicle in most cases.

For example, if you cause an accident and your vehicle gets damaged, your minimum Wisconsin car insurance won’t cover it. The same is true if your car gets stolen, vandalized, or damaged by acts of nature like hail, floods, or fire.

Experts recommend drivers carry full coverage — including Wisconsin’s minimum requirements, comprehensive car insurance coverage, and collision auto insurance coverage — to protect their vehicles.

In addition, consider medical payments, rental car reimbursement, roadside assistance, and underinsured or uninsured motorist insurance bodily injury coverages for the most protection.

While adding coverage raises your rates, you’ll pay less out of pocket if your car gets damaged.

What happens if you drive without car insurance in Wisconsin?

Car insurance is mandatory in Wisconsin, and failing to carry at least the minimum coverage leads to hefty fines. 

Fines related to no proof of car insurance include:

• $500 fine for operating a motor vehicle without insurance
• $10 fine for drivers and owners who can’t show proof of insurance at the time of the accident or traffic stop
• Up to a $5,000 fine for offering fraudulent proof of insurance

According to the state of Wisconsin Department of Transportation, you don’t have to show proof of car insurance when getting a license or registering your vehicle, you’ll have to show proof of insurance if you’re stopped by the police or have an accident.

You must also show proof of insurance when reinstating a suspended or revoked driver’s license.

Can you get SR-22 insurance in Wisconsin?

Yes, SR-22 auto insurance is available in Wisconsin. SR-22 is a form filed by your car insurance company showing the state of Wisconsin you have at least the minimum amount of car insurance required. 

Drivers with a DUI, multiple accidents, a car insurance lapse or too many points on their driver’s license may need SR-22 insurance. While the form is inexpensive, car insurance rates skyrocket for drivers with SR-22 insurance.

SR-22 insurance is easy to obtain since many top insurance companies offer coverage. However, not all companies provide SR-22, so you may have to shop around to find an insurer.

If you don’t currently have car insurance, it may be trickier to find SR-22 insurance. Not only will you have to find a company to insure you, but you’ll also see even higher rates with a continuous car insurance history.

Drivers who need SR-22 insurance and don’t have a vehicle may consider non-owner SR-22 car insurance coverage. This coverage allows you to meet the Wisconsin minimums and legally drive, but car damage isn’t covered if you’re in an accident.

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Cheap Car Insurance in Wisconsin: The Bottom Line

While car insurance in Wisconsin is cheaper than the national average, rates vary by driver. Coverage amounts, age, driving record, credit score, and location affect your rates.

Wisconsin only requires drivers to carry 25/50/10 in liability coverage and 25/50 in uninsured motorist coverage, but coverage limits are very low, and don’t pay for your vehicle damages. So consider full coverage to protect your car adequately.

Whether you have a spotless driving record or need SR-22 insurance, shop around to find the best car insurance in Wisconsin. Every company offers different rates, so compare multiple companies to find your best deal.

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