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How much does car insurance cost in Wisconsin?

Your state of matter ’ second policy requirements is only one of many factors that influences the measure you pay for car policy. other factors that affect Wisconsin car indemnity rates are your senesce, marital condition and the sum of coverage you opt for, but there are a battalion of factors that could have an impact :

  • Your city
  • Driving history
  • Deductible
  • Discounts
  • Insurance provider
  • Marital status
  • Credit score

The average price of cable car policy in Wisconsin is $ 332 per class for minimum coverage and $ 1,186 per year for full, which is well less than the national annual averages of $ 565 and $ 1,674 for the same coverage types, respectively. Out of all 50 states, Wisconsin is the sixth cheap for premiums.

Wisconsin car insurance rates by company

Below are the average cable car policy rates in Wisconsin with each major car indemnity supplier. As rates can vary drastically, shopping around is by and large good practice and could help you land the cheapest provider .

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $235 $1,184
Acuity $331 $1,241
Allstate $483 $1,594
American Family $447 $901
Auto-Owners $374 $1,256
Chubb $498 $1,559
Erie $218 $922
Farmers $343 $1,248
Geico $227 $1,031
Hastings Mutual $349 $890
MetLife $552 $1,879
Pekin $200 $862
Penn National $235 $1,100
Progressive $277 $919
Rockford Mutual $208 $946
Rural Mutual $246 $1,070
Secura $304 $959
Sentry $518 $2,020
State Farm $231 $785
Travelers $308 $886
USAA $199 $785
West Bend $277 $952
Western National $218 $1,541

Wisconsin car insurance rates by city

The rates below are the average amounts drivers pay in Wisconsin ’ s top 20 most populate cities. The board shows how each Wisconsin city compares rate-wise to the state average price for wide coverage, which is $ 1,186 per class .

City Average annual premium for full coverage % difference from state average annual premium
Milwaukee $1,525 29%
Madison $1,025 -14%
Appleton $984 -17%
Kenosha $1,185 0%
Green Bay $972 -18%
Waukesha $1,054 -11%
Oshkosh $983 -17%
Eau Claire $1,041 -12%
Racine $1,191 0%
Janesville $1,005 -15%
Sheboygan $978 -18%
West Allis $1,294 9%
La Crosse $1,117 -6%
Fond du Lac $996 -16%
Beloit $1,029 -13%
West Bend $1,040 -12%
Wausau $1,067 -10%
Wauwatosa $1,374 16%
Neenah $973 -18%
Brookfield $1,048 -12%

Wisconsin car insurance rates by age

While not the only factor that determines the monetary value of a premium, age plays a vital role in underwriting. Wisconsin drivers could expect their premium to be in the approximate range of the amounts below for each age range. *16-year-old calculated on parent ’ sulfur policy disclosure .

Wisconsin car insurance rates by driving record

generally, a accelerate slate, accident and a DUI will all increase your premium by a significant sum. furthermore, if you have previous convictions, you may pay well more for insurance than person without any .

Driving incident Average annual full coverage premium in Wisconsin % increase of average annual premium
Speeding ticket $1,407 17%
Accident $1,568 28%
DUI $2,207 60%

How to save on car insurance in Wisconsin

Wisconsin drivers looking for cheap car insurance or ways to save might consider the come strategies :

  • Increase your deductible: Your car insurance provider most likely offers a variety of deductible levels. If you increase your deductible, you will decrease your monthly premium. Just keep in mind that you will receive less of an insurance payout if you get into an accident.
  • Drive an older car: Older cars do not cost as much to replace and are typically less to insure. To truly maximize your savings, you may be able to qualify for safety feature discounts (such as air-bag discounts and anti-lock brake discounts).
  • Compare providers: Insurance providers charge drivers different rates because each has its own pricing algorithm. You cannot assume you will be charged the same amount wherever you go, so it might help to compare the same coverages across companies.
  • Compare discounts: Though two companies may offer the same discounts, you may get more savings with one provider over another. To see how much you could save with each discount, you will likely need to speak with an agent to get the bottom line.

Frequently asked questions

Is it difficult to switch car insurance providers?

You can broadly switch your cable car policy provider in about nine steps. As is normally the case, you will likely want to start the action off by conducting your own inquiry based on your criteria. indemnity experts recommend that new coverage is purchased before your stream policy expires. Otherwise, a gap in coverage could lead to increased rates .

Which company offers the cheapest car insurance in Wisconsin?

The cheapest car policy company in Wisconsin will vary from one person to the future, which is why shopping around helps ensure the best rate. This can besides change based on your ZIP code, as there may be more local indemnity supplier agents in one place versus another. however, on average, Wisconsin drivers tend to find the cheapest premiums with the Erie, USAA, Geico, State Farm and Wisconsin ’ randomness Automobile Club .

How much is car insurance in Wisconsin per month?

cable car policy expenses are going to vary from person to person. however, if we work off the modal amounts drivers pay — $ 1,186 per year for full coverage and $ 332 per year for minimal coverage — then costs are :

  • $98.83 per month on average for full coverage
  • $27.67 per month on average for minimum coverage

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, good credit and the follow full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimum coverages that meet each state ’ second requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a workweek and drive 12,000 miles annually. Age: Rates were calculated by evaluating our free-base profile with the ages 18-60 ( basis : 40 years ) applied. Incident: Rates were calculated by evaluating our basis profile with the stick to incidents applied : clean record ( base ), at-fault accident, single speed ticket, single DUI conviction and lapse in coverage .

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