- Average car insurance cost in Wisconsin is $1,978 per year, or around $165 per month. This is 11.6% less than the national average rate of $2,221.
- The top 50 cheapest cars to insure in Wisconsin include the Kia Soul, Honda Passport, Nissan Kicks, and Toyota Corolla Cross.
- When compared to nearby states, Wisconsin ranks third out of 12 Midwest states for cheapest car insurance rates.
What does average car insurance cost in Wisconsin?
The average cost of car insurance in Wisconsin is $1,978 per year, which is 11.6% less than the national average rate of $2,221. Car insurance cost per month in Wisconsin costs an average of $165 for full coverage.
The chart below shows average car insurance cost in Wisconsin for all 2024 models. Rates are averaged for all Wisconsin Zip Codes and shown for different driver ages and policy deductible amounts.
The average costs shown above range from $1,390 per year for a 60-year-old driver with a high deductible policy to $4,626 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $116 to $386 per month.
While the above data references an average rate for all models, the list below includes average rates for five of the most popular vehicles found in the state of Wisconsin. Each model includes the specific vehicle segment it belongs to along with the annual and monthly car insurance cost.
- Ford F-150 – Full-size pickup truck – $2,212 per year ($184 per month)
- Honda Accord – Midsize car – $1,912 per year ($159 per month)
- Honda Civic – Compact car – $1,752 per year ($146 per month)
- Nissan Altima – Midsize car – $2,140 per year ($178 per month)
- Toyota Corolla – Compact car – $1,926 per year ($161 per month)
What types of vehicles have the cheapest insurance?
From a segment perspective, the types of vehicles with the cheapest car insurance rates in Wisconsin are small SUVs, midsize pickups, utility vans, minivans, midsize SUVs, and compact cars.
The chart below shows the average annual cost of car insurance for each vehicle segment, with prices ranging from lower cost segments like compact SUVs and vans up to more expensive segments like luxury and performance cars.
Which vehicles are cheapest to insure in Wisconsin?
When comparing makes and models from all segments, the models with the most affordable auto insurance rates in Wisconsin tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Toyota Corolla Cross, and Nissan Kicks. Average car insurance prices for those vehicles cost $1,606 or less per year to have full coverage.
Some additional vehicles that rank well in the cost comparison table are the Volkswagen Taos, Volkswagen Tiguan, Acura RDX, and Nissan Murano. Average rates are marginally higher for those models than the cheapest crossovers and compact SUVs that rank at the top, but they still have an average cost of $143 or less per month in Wisconsin.
Some of the cheapest luxury car and SUV insurance rates in Wisconsin can be found on the Acura Integra at $1,760 per year, the BMW 330i at $2,016 per year, the Mercedes-Benz CLA250 at $2,038 per year, the Acura RDX at $1,654 per year, the Lexus NX 250 at $1,752 per year, and the Cadillac XT4 at $1,788 per year.
The table below ranks the top 50 cheapest vehicles to insure in Wisconsin from the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,462 | $122 |
| 2 | Chevrolet Trailblazer | $1,488 | $124 |
| 3 | Kia Soul | $1,546 | $129 |
| 4 | Nissan Kicks | $1,560 | $130 |
| 5 | Honda Passport | $1,576 | $131 |
| 6 | Buick Envision | $1,584 | $132 |
| 7 | Toyota Corolla Cross | $1,594 | $133 |
| 8 | Hyundai Venue | $1,606 | $134 |
| 9 | Mazda CX-5 | $1,614 | $135 |
| 10 | Ford Bronco Sport | $1,622 | $135 |
| 11 | Volkswagen Tiguan | $1,636 | $136 |
| 12 | Acura RDX | $1,654 | $138 |
| 13 | Nissan Murano | $1,664 | $139 |
| 14 | Buick Encore | $1,682 | $140 |
| 15 | Subaru Outback | $1,684 | $140 |
| 16 | Buick Envista | $1,688 | $141 |
| 17 | Honda CR-V | $1,688 | $141 |
| 18 | Volkswagen Taos | $1,694 | $141 |
| 19 | Kia Niro | $1,706 | $142 |
| 20 | Toyota GR Corolla | $1,718 | $143 |
| 21 | Honda HR-V | $1,720 | $143 |
| 22 | Subaru Ascent | $1,720 | $143 |
| 23 | Nissan Leaf | $1,730 | $144 |
| 24 | Chevrolet Colorado | $1,744 | $145 |
| 25 | Honda Civic | $1,752 | $146 |
| 26 | Lexus NX 250 | $1,752 | $146 |
| 27 | Volkswagen Atlas | $1,754 | $146 |
| 28 | Acura Integra | $1,760 | $147 |
| 29 | Subaru Forester | $1,760 | $147 |
| 30 | Volkswagen Atlas Cross Sport | $1,762 | $147 |
| 31 | Kia Seltos | $1,766 | $147 |
| 32 | GMC Terrain | $1,772 | $148 |
| 33 | Nissan Rogue | $1,776 | $148 |
| 34 | Hyundai Kona | $1,778 | $148 |
| 35 | Mazda CX-30 | $1,782 | $149 |
| 36 | Cadillac XT4 | $1,788 | $149 |
| 37 | Volkswagen ID4 | $1,794 | $150 |
| 38 | Ford Explorer | $1,796 | $150 |
| 39 | Toyota Highlander | $1,800 | $150 |
| 40 | Ford Escape | $1,804 | $150 |
| 41 | Toyota Venza | $1,804 | $150 |
| 42 | Honda Odyssey | $1,808 | $151 |
| 43 | Nissan Sentra | $1,812 | $151 |
| 44 | Subaru Impreza | $1,816 | $151 |
| 45 | Chevrolet Equinox | $1,820 | $152 |
| 46 | Toyota RAV4 | $1,824 | $152 |
| 47 | Mazda MX-5 Miata | $1,832 | $153 |
| 48 | Mazda MX-30 | $1,838 | $153 |
| 49 | Hyundai Tucson | $1,842 | $154 |
| 50 | Chevrolet Traverse | $1,844 | $154 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Wisconsin Zip Codes. Updated June 26, 2025
Wisconsin car insurance rates for popular vehicles
The charts below show more detailed average auto insurance quotes for five popular vehicles in Wisconsin. These charts include average rates for things like high-risk drivers, high and low deductible policies, different driver ages, and discount policy rates.
Honda CR-V insurance rates
Honda CR-V insurance in Wisconsin costs an average of $1,688 per year and ranges from $1,402 to $3,876 per year for the sample driver risk profiles shown in the chart below.
The Honda CR-V is considered a compact SUV, and other popular models include the Nissan Rogue, Toyota RAV4, Chevrolet Equinox, Subaru Forester, and Mazda CX-5.
Kia Sorento insurance rates
Kia Sorento car insurance rates in Wisconsin range from $1,562 to $4,310 per year for the driver profiles in the chart below. Kia Sorento insurance costs an average of $1,880 per year or $157 per month in Wisconsin.
The Kia Sorento belongs to the midsize SUV segment, and other popular models include the Ford Explorer, Honda Pilot, Kia Telluride, Toyota Highlander, and Jeep Grand Cherokee.
Ford Expedition insurance rates
The chart below shows average Ford Expedition insurance rates in Wisconsin for different driver ages and risk profiles. Annual cost ranges from $1,772 to $4,880 per year for the example driver risk profiles, with average cost being $2,134 per year.
The Ford Expedition is a large SUV and other similar models include the Toyota Sequoia, Chevrolet Tahoe, GMC Yukon, Chevrolet Suburban, and .
Honda Accord insurance rates
Average Honda Accord insurance rates in Wisconsin as shown in the chart below range from $1,590 to $4,392 per year, with the average cost being $1,912.
The Honda Accord is considered a midsize car, and other models in this segment include the Hyundai Sonata, Chevrolet Malibu, Nissan Altima, Kia K5, and Toyota Camry.
Chevrolet Camaro insurance rates
The average cost for Chevrolet Camaro insurance in Wisconsin is $2,568 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,132 to $5,898 per year.
The Chevrolet Camaro is a sports car and other vehicles in this segment include the Ford Mustang, Toyota Supra, Chevrolet Corvette, Nissan 370Z, and Subaru BRZ.
Is Wisconsin car insurance expensive?
When compared to surrounding states, average Wisconsin car insurance rates are 11.9% cheaper than Minnesota, 4.1% more expensive than Iowa, 13.4% more expensive than Illinois, and 36.4% cheaper than Michigan.
When average rates are compared to other states in the Midwest that are not immediate neighbors, Wisconsin car insurance costs 1.5% more than Ohio, 2.8% more than Indiana, 9.4% less than North Dakota, and 10.1% less than Nebraska.
When compared to states in other regions of the country, the average car insurance cost in Wisconsin is 8.2% more expensive than North Carolina, 17.6% cheaper than Oregon, 27.2% cheaper than Colorado, 35.9% cheaper than California, and 32.8% cheaper than Florida.
The chart below shows how Wisconsin auto insurance rates compare to all other Midwest states. Wisconsin ranks 2nd out of the 12 Midwest states in the comparison, and ranks 7th overall out of all 50 states for cheapest car insurance rates.
Here’s an example that shows the difference between the cost of car insurance in Wisconsin and some other Midwest states as a dollar amount rather than percentages. This example uses the Toyota Camry as the rated vehicle with a 40-year-old male as the rated driver.
Average car insurance cost on a 2024 Toyota Camry in Wisconsin is $2,126 per year. This average rate is:
- $946 per year cheaper than insuring the same vehicle in Michigan ($3,072)
- $268 per year cheaper than in Minnesota ($2,394)
- $86 per year more expensive than in Iowa ($2,040)
- $504 per year cheaper than in Kansas ($2,630)
- $224 per year cheaper than in Nebraska ($2,350)
Overall, car insurance rates in Wisconsin are very good, almost ranking in the top 10 nationally. Cheaper rates can be found on small SUVs and most compact and midsize cars, while the more expensive insurance is generally found on large SUVs, heavy duty pickups, and luxury autos.
Wisconsin car insurance rates by city
Listed below are some of the larger cities in Wisconsin and the average car insurance rates for each. Visit any page to view detailed rate information, including average overall rates, yearly and monthly cost comparisons, and the cheapest models to insure in each city.
- Milwaukee Car Insurance - $2,430 per year or $203 per month
- Madison Car Insurance - $2,004 per year or $167 per month
- Green Bay Car Insurance - $1,844 per year or $154 per month
- Kenosha Car Insurance - $2,070 per year or $173 per month
- Racine Car Insurance - $2,278 per year or $190 per month
- Appleton Car Insurance - $1,844 per year or $154 per month
- Waukesha Car Insurance - $1,924 per year or $160 per month
- Oshkosh Car Insurance - $1,858 per year or $155 per month