Car Insurance in Wisconsin
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Introduction: Car Insurance in Wisconsin
Wisconsin has over 4.5 million licensed drivers, making car insurance an essential requirement for residents. Whether you’re commuting in Milwaukee, driving through Madison, or navigating rural highways, car insurance in Wisconsin is legally required and provides financial protection.
Wisconsin has some of the lowest car insurance rates in the country. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Wisconsin is $1,186, which is significantly lower than the national average of $1,674.
Wisconsin Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/10 Rule)
According to the Wisconsin Office of the Commissioner of Insurance (OCI), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $10,000 for property damage per accident
✔ Uninsured Motorist Coverage (UM): Minimum $25,000 per person / $50,000 per accident
✔ Underinsured Motorist Coverage (UIM): Minimum $50,000 per person / $100,000 per accident
Why Minimum Coverage May Not Be Enough:
- Medical expenses from an accident can exceed $25,000 per person.
- Vehicle repair costs often surpass $10,000, especially for newer models.
- Wisconsin has a moderate number of uninsured drivers, making Uninsured/Underinsured Motorist (UM/UIM) coverage crucial.
Recommended Full Coverage for Better Protection
Many Wisconsin drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Essential due to Wisconsin’s extreme winter conditions |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Important for financial protection |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers without health insurance |
Average Cost of Car Insurance in Wisconsin
Car insurance rates in Wisconsin vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Wisconsin Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $551 |
| Full Coverage | $1,186 |
Car Insurance Costs by Major Wisconsin Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Milwaukee | $900 | $2,100 |
| Madison | $750 | $1,750 |
| Green Bay | $720 | $1,600 |
| Kenosha | $770 | $1,750 |
| Racine | $790 | $1,780 |
| Appleton | $710 | $1,550 |
| Waukesha | $750 | $1,700 |
| Eau Claire | $700 | $1,520 |
| Oshkosh | $710 | $1,540 |
| Janesville | $720 | $1,560 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16–19 Years | $3,500 – $5,500 | $6,500 – $8,500 |
| 20–24 Years | $1,800 – $2,700 | $3,800 – $5,200 |
| 25–34 Years | $1,100 – $1,800 | $2,800 – $3,800 |
| 35–44 Years | $950 – $1,500 | $2,500 – $3,500 |
| 45–54 Years | $900 – $1,400 | $2,300 – $3,200 |
| 55+ Years | $850 – $1,300 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Wisconsin
Several factors influence car insurance rates in Wisconsin, including:
- Severe Weather Risks: Snow, ice, and flooding increase accident rates and insurance claims.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact rates.
- Location: Urban areas like Milwaukee and Madison have higher rates due to congestion and theft.
- Credit Score: Wisconsin insurers use credit history to determine premiums.
- Annual Mileage: Higher mileage increases accident risk and premiums.
- Vehicle Type: Luxury and high-performance vehicles cost more to insure.
- Litigation Costs: Wisconsin has a high number of personal injury claims, increasing insurance rates.
Best Car Insurance Companies in Wisconsin (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,150 |
| State Farm | Best for Customer Service | $1,200 |
| Progressive | Best for High-Risk Drivers | $1,350 |
| Allstate | Best Full Coverage Options | $1,500 |
| USAA (Military Families) | Lowest Rates for Military | $1,100 |
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FAQs
Wisconsin law requires 25/50/10 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $10,000 for property damage.
The average minimum coverage costs around $46 per month, while full coverage averages $99 per month.
Smaller cities like Eau Claire and Oshkosh tend to have lower rates compared to Milwaukee and Madison.
Yes, Wisconsin requires uninsured motorist coverage of at least $25,000 per person/$50,000 per accident.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.