Auto Insurance in Wisconsin

Wisconsin’s auto insurance rates are on the low side — on average $1,302 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

Average annual rate in Wisconsin
$0 $5,000
North Carolina car owners pay the least
Average annual rate in the US
Michigan car owners pay the most

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Find the best auto insurance in Wisconsin

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Wisconsin has unique geographic zones, with most of the state bordered by the Great Lakes, rivers, and other bodies of water. The region is prone to lake-effect snow and heavy rains throughout the year. With 5.7 million people spread across a massive state, Wisconsin has a pretty low population density.

Wisconsin Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

The minimum amount of liability insurance required in Wisconsin covers $25,000 per person, $10,000 for property, and $50,000 for overall costs. When you consider the average cost of an accident in the United States, if you have only this minimum coverage, you’re running the risk of paying for additional costs out of pocket. If you don’t have hundreds of thousands of dollars lying around, you don’t want to run the risk that an accident will cost more than 2013’s average of $3,231 for property damage and $15,443 for bodily injury.

You should make sure you have at least 50/100/50 coverage, which increases your limits to $50,000 per person and $50,000 in property damage, with $100,000 overall in bodily injury coverage for the accident. Going even higher reduces your risk of being personally liable for any payments beyond your deductible, although it does increase your premium cost. One way to lower these auto insurance costs is by shopping around for quotes from multiple companies.

Cheapest Car Insurance in Wisconsin

If you don’t drive often, or if cost is your primary concern, going with one of the cheapest auto insurance companies in Wisconsin is an option. These companies offer the lowest premiums, although you may not get the coverage level you want. In addition, when you’re looking at Wisconsin auto insurance companies with a price-first approach, you may miss out on high-quality customer service.

Add these companies to your list of insurers to get quotes from when you want to see what premium prices are available in your city. Most Wisconsin cities enjoy car insurance prices that are lower than the national average.

Where is car insurance most affordable?

Where you live has a lot of bearing on how much you’ll pay for car insurance.

Outside of blizzards, Wisconsin weather is not particularly threatening. The blizzards are centralized in areas closest to the Great Lakes, which increases car insurance costs in cities such as Milwaukee, Racine, and Kenosha.

Areas more shielded from Wisconsin’s weather events and those in more isolated areas of the state tend to have lower car insurance rates. These cities include Appleton and Oshkosh.

Appleton Auto Insurance

Population: 70,087

Appleton, Wisconsin, home to about 70,000 people, sits on the Fox River. It’s located within easy driving distance of Green Bay, making it ideal for commuters who want a small-town experience without giving up job opportunities. Car insurance in Appleton costs approximately $200 below the state average.

Eau Claire Auto Insurance

Population: 67,704
Eau Claire

Eau Claire, established along the river of the same name, sits on the western side of Wisconsin and has a population of nearly 68,000 people. Health care and education companies form the backbone of this area, which is known as a highly affordable place to live. The auto insurance is also quite affordable at $100 under the state average.

Green Bay Auto Insurance

Population: 104,313
Green Bay

Green Bay is known for its beautiful waterfront, cheesehead hats to celebrate the NFL Green Bay Packers, and plenty of artisanal local cheeses. Green Bay began as an industrial city, with paper and meatpacking companies forming a significant presence n the area. The city has a population of around 104,000 and car insurance rates that are about $200 below the state average.

Janesville Auto Insurance

Population: 59,498

Janesville, a small Wisconsin town with a population of just under 60,000, is one of the most historical cities in the state. Over 20 percent of the Wisconsin buildings in the National Register of Historic Places are located in Janesville. This cozy town also enjoys auto insurance rates that are about $150 below the state average.

Kenosha Auto Insurance

Population: 99,352

Kenosha is a major population center in Wisconsin, coming in fourth in the state. Lake Michigan provides a welcome scenic view, although the lake-effect snows in the winter are not as welcome. Kenosha is located midway between Milwaukee and Chicago, making it an excellent choice for commuters. Due to its location on the lake and the high commuter population, auto insurance rates in Kenosha are slightly above average for the state.

La Crosse Auto Insurance

Population: 51,818
La Crosse

With less than 52,000 people, La Crosse might not be a particularly large Wisconsin town, but it’s a gem of a place to live. Technology and medical companies flock here due to the low cost of living and its location as a commercial hub, so the area has seen excellent economic growth. La Crosse is also home to a convention center that brings in plenty of business travelers and income. La Crosse auto insurance premiums are approximately $100 under the state average.

Madison Auto Insurance

Population: 243,054

Madison, the state capital of Wisconsin, has a population of about 243,000 people and is located among four lakes. Due to its position as state capital, many government agencies operate from this city, although it also attracts technology companies and other businesses due to its high rate of degree-holders. Madison auto insurance premiums are slightly below average for the state.

Milwaukee Auto Insurance

Population: 599,974

If you’re looking for the closest thing to big-city living in Wisconsin, look in Milwaukee, where nearly 600,000 people live. This city made its name in the brewing industry, and beer companies are still going strong here today. Milwaukee is also an arts and cultural center for the state. Due to its size, Milwaukee has car insurance rates that are $200 higher than the average Wisconsin auto insurance premium.

Oshkosh Auto Insurance

Population: 66,916

Oshkosh is the perfect example of small-town America, especially when you consider that it has 33 buildings in the National Register of Historic Places. The lumber industry is the biggest business here, and it has been centered in this town since its foundation. Auto insurance premiums in Oshkosh are over $100 lower than the state average.

Racine Auto Insurance

Population: 78,855

Racine, with a population of nearly 79,000, has long been an industrial town. Many different types of businesses call this area home, and it’s seen innovations such as the first garbage disposal. Racine is one of the least expensive places to live in Wisconsin, although the car insurance rates are just about even with the state’s average premium.

Sheboygan Auto Insurance

Population: 50,792

Sheboygan, with a population of about 50,000, is a natural wonderland located on Lake Michigan. Outdoor recreation is a major focus in this rural area, although the city also has arts and cultural centers, including many museums. This area, with its relatively low cost of living, also enjoys a low car insurance rates, more than $200 below the state average.

Waukesha Auto Insurance

Population: 71,825

Waukesha, home to nearly 72,000 people, enjoys significant natural beauty and many biking trails. Its primary industries are health care and power generation, which benefits from the area’s natural resources. Car insurance rates in Waukesha are about $100 below the average state cost.

West Allis Auto Insurance

Population: 61,254
West Allis

West Allis, a Milwaukee suburb with about 61,000 people, is home to the Wisconsin State Fair. If you want to see everything that could possibly get deep-fried for sale, this is your best bet. This city is also home to one of the few indoor speed skating rinks in the United States. Due to its proximity to Milwaukee, car insurance rates here are slightly above average for the state.

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