The cost of car insurance varies A LOT from policy to policy. This is because there are so many factors that go into the pricing for a policy.  

For example, you can choose between minimum coverage and full coverage policies. (The full coverage one will cost a lot more but offers much better coverage.)

And another major factor that affects your car insurance rates is where you live. Car insurance costs vary a lot from state to state. In some states it can cost $1,000 or more than the same policy in another state.

In this article we’re going to look at how much is car insurance in Wisconsin. This will give you a good idea of where The Badger State falls when it comes to car insurance costs compared to the rest of the U.S.

How Much Is Car Insurance In Wisconsin?

The answer to that depends. As we said up top in this article, there are a lot of factors that affect how much car insurance premiums get in Wisconsin. 

But to give you an idea, the average cost of car insurance premiums in the state of Wisconsin will generally range from $1,040 to $1,335 per year.

This makes Wisconsin’s car insurance coverage lower than the national average, which is right around $1,480 per year.  

If you are only planning to have minimum coverage, Wisconsin’s average car insurance rate will typically be between $332 to $396 per year. While this can save you a lot on premiums, if you do get in an accident, minimum coverage only provides the, well, minimum. So you could end up with some very high repair and/or medical bills. 

On the other hand, the average cost of car insurance premiums in Wisconsin for full coverage policies will range from $1,175 to $1,351.

Car Insurance Companies

The car insurance company you go with is another factor that affects how much car insurance premiums you will pay in Wisconsin. 

One of the car insurance companies that offers the cheapest rates for the minimum coverage is USAA. As of the time of writing, their premiums per year are only $199 for minimum coverage. 

In contrast, the most expensive car insurance minimum coverage comes from Allstate. Their car insurance premiums cost $605 per year for minimum coverage. 

As for the cheapest full coverage car insurance, USAA and State Farm offer the lowest price. They are both only $785 per year. Meanwhile, the most expensive full coverage for car insurance comes from Sentry, $2,020. 

Age

Another thing that will affect the car insurance rates in Wisconsin is your age. Wisconsin’s cheapest car insurance rates are premiums for drivers in their 50s.

Their yearly premiums are only $898.62 on average. Much like in most states, the younger the driver, the more expensive the premiums. For example, the car insurance premiums for 17 years old is $5,108.23 per year, while for 30 years old, it is only $1,016.87. 

Driving History

Another factor influencing auto insurance premiums in Wisconsin is a driver’s driving history. The average annual premium for drivers who have been involved in an accident at their fault ranges from $1,573.91 to $2,100.15. If the driver is arrested and charged with a DUI, their vehicle insurance costs will climb to $1,666.94 per year.

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