Car insurance in Wisconsin costs between $35 and $63 per month to start, with statewide averages of $58 per month for minimum coverage and $109 per month for full coverage, making Wisconsin one of the 10 most affordable states for car insurance in the U.S. Rates vary based on your age, driving history, credit score, coverage level, and city. Drivers in Milwaukee pay significantly more than drivers in cities like Madison, Green Bay, or Appleton.
Wisconsin is a genuinely affordable state for car insurance. According to Insurify’s 2026 data, Wisconsin ranks 9th out of 51 states for full coverage affordability, with rates projected to decrease a further 0.7% by end of 2026. That said, rates are not uniform across the state, Milwaukee drivers pay up to 2x the statewide average due to higher traffic density, theft rates, and accident frequency. Whether you’re looking for a minimum-coverage policy or full coverage, this guide breaks down exactly what Wisconsin drivers pay and what affects your premium.
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Here is an overview of current average rate ranges across coverage types for Wisconsin drivers:
| Coverage Type | Monthly Rate Range | Annual Rate Range |
|---|---|---|
| Minimum / Liability Only | $35 – $75/mo | $420 – $900/yr |
| Full Coverage | $63 – $130/mo | $756 – $1,560/yr |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wisconsin ranks 9th out of 51 states for full coverage affordability in 2026, 27% below the national average. The state benefits from relatively low population density (outside Milwaukee), a below-average uninsured driver rate of 10.4%, and fewer extreme weather-related claims compared to coastal states. Rates rose 22% between 2023 and 2024 but are now stabilizing, with Insurify projecting a 0.7% decrease for 2026.
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability (per person) | $25,000 |
| Bodily Injury Liability (per accident) | $50,000 |
| Property Damage Liability | $10,000 |
| Uninsured Motorist (per person) | $25,000 |
| Uninsured Motorist (per accident) | $50,000 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wisconsin also requires that drivers carry Underinsured Motorist coverage (UIM) at the same limits as their Uninsured Motorist coverage, unless waived in writing. Insurance experts recommend carrying limits above the state minimum for more complete financial protection.
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Location is one of the strongest rate factors in Wisconsin. Milwaukee drivers pay significantly more than drivers in other major Wisconsin cities due to higher traffic volume, vehicle theft rates, and claim frequency.
| City | Avg. Monthly Range (Full Coverage) | vs. State Average |
|---|---|---|
| Milwaukee | $100 – $145/mo | Above Average (highest in state) |
| Racine | $80 – $110/mo | Above Average |
| Kenosha | $75 – $105/mo | Near to Above Average |
| Madison | $70 – $100/mo | Near Average |
| Green Bay | $65 – $95/mo | Below Average |
| Appleton | $55 – $85/mo | Well Below Average |
| Oshkosh | $55 – $85/mo | Well Below Average |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wisconsin car insurance rates vary widely based on your individual profile. The table below shows how key factors compare to the statewide baseline for a driver with a clean record.
| Driver Profile | Avg. Monthly Range | Avg. Annual Range | vs. Clean Record |
|---|---|---|---|
| Teen Driver (16–19) | $165 – $290/mo | $1,980 – $3,480/yr | 2–3x higher |
| Young Adult (20–25) | $110 – $165/mo | $1,320 – $1,980/yr | 1.4x higher |
| Adult Driver (30–55) | $58 – $109/mo | $696 – $1,308/yr | Baseline |
| Senior Driver (65+) | $75 – $120/mo | $900 – $1,440/yr | Slightly higher |
| After 1 At-Fault Accident | $85 – $145/mo | $1,020 – $1,740/yr | +28–50% |
| After a DUI / OWI | $110 – $180/mo | $1,320 – $2,160/yr | +80–89% |
| After a Speeding Ticket | $75 – $135/mo | $900 – $1,620/yr | +25–44% |
| Poor Credit Score | $165 – $270/mo | $1,980 – $3,240/yr | 3x higher |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wisconsin requires an SR-22 certificate for drivers convicted of certain serious violations, including OWI (Operating While Intoxicated, Wisconsin’s term for DUI). An SR-22 is not a type of insurance; it is a certificate filed by your insurer with the Wisconsin DMV to confirm that you carry the state’s minimum required coverage.
Filing an SR-22 typically costs $15–$50 as a one-time fee from your insurer. However, the real cost is the rate increase that comes with the underlying violation. An OWI conviction in Wisconsin raises average car insurance rates by 80–89%, adding $50–$70 per month to your premium. The SR-22 requirement in Wisconsin typically lasts three years, during which you must maintain continuous coverage. A lapse in coverage restarts the requirement.
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Wisconsin law requires all registered drivers to carry at minimum the state’s minimum liability and uninsured motorist coverage. If caught driving without insurance, penalties include:
Wisconsin uses an electronic insurance verification system, which means law enforcement and the DMV can confirm your insurance status in real time. Allowing your policy to lapse, even briefly, puts you at risk of these penalties.
Several Wisconsin-specific factors influence what drivers pay:
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Wisconsin car insurance costs between $35 and $75 per month for minimum coverage and $63 to $130 per month for full coverage, based on 2026 Insurify data. The statewide average is $58 per month for minimum coverage and $109 per month for full coverage. Wisconsin ranks 9th out of 51 states for full coverage affordability, 27% below the national average.
Wisconsin requires drivers to carry: $25,000 per person / $50,000 per accident in bodily injury liability; $10,000 in property damage liability; and $25,000 per person / $50,000 per accident in uninsured motorist coverage. Wisconsin also requires underinsured motorist coverage at matching limits unless you waive it in writing.
Based on 2026 data, Erie Insurance, American Family, and GEICO are among the most affordable companies for Wisconsin drivers. Erie offers minimum coverage from around $28 per month, and American Family offers full coverage from $119 per month. GEICO is also competitive, particularly for drivers with a clean record. Comparing multiple quotes is the best way to find your lowest rate.
An OWI (DUI) conviction in Wisconsin raises car insurance rates by an average of 80–89%, based on 2026 Insurify data. Full coverage premiums can increase by $50–$70 per month. Wisconsin also requires SR-22 filing after an OWI conviction, which must be maintained for typically three years. Comparing quotes from multiple insurers after an OWI is the best way to minimize your rate increase.
Yes, Milwaukee is the most expensive city in Wisconsin for car insurance. Milwaukee drivers pay an average of $100–$145 per month for full coverage, compared to the Wisconsin statewide average of $63–$130 per month (Insurify 2026). Higher traffic density, vehicle theft rates, and accident frequency in Milwaukee drive premiums above the statewide average. Drivers in cities like Appleton and Green Bay pay significantly less.
Yes. Wisconsin permits insurers to use credit-based insurance scores when setting premiums. Drivers with poor credit pay an average of $234 per month for full coverage, nearly three times the $85 per month average for drivers with good credit (Insurify 2026). Maintaining or improving your credit score is one of the most effective ways to reduce your car insurance costs in Wisconsin.
An SR-22 in Wisconsin is a certificate of financial responsibility filed by your insurance company with the Wisconsin DMV. It confirms that you carry at least the state’s minimum required car insurance. SR-22 filing is required after certain serious violations in Wisconsin, including OWI (DUI), driving without insurance, reckless driving, and license suspension. The SR-22 requirement typically lasts three years.
Driving without insurance in Wisconsin can result in fines up to $500 for a first offense, license suspension, and a possible SR-22 filing requirement. Wisconsin uses electronic insurance verification, so the DMV and law enforcement can check your coverage status in real time. Allowing a policy to lapse, even briefly, can trigger these penalties.
Wisconsin is one of the most affordable states for car insurance due to its relatively low population density outside Milwaukee, below-average traffic accident rates in rural areas, a moderate uninsured driver rate of 10.4%, and limited extreme weather-related claims compared to coastal states. Wisconsin ranks 9th out of 51 states for full coverage affordability in 2026, with rates 27% below the national average (Insurify).
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
