- Average car insurance cost in Wisconsin is $1,260 per year, or around $105 per month. This is 28.9% less than the national average rate of $1,685.
- The top 50 cheapest cars to insure in Wisconsin include the Nissan Kicks, Nissan Rogue Sport, Honda Passport, and Buick Encore.
- 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 $1,260 per year, which is 28.9% less than the national average rate of $1,685. Car insurance cost per month in Wisconsin costs an average of $105 for full coverage.
The chart below shows average car insurance cost in Wisconsin for all 2023 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 $954 per year for a 60-year-old driver with a high deductible policy to $2,914 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $80 to $243 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 – $1,282 per year ($107 per month)
- Honda Accord – Midsize car – $1,276 per year ($106 per month)
- Honda Civic – Compact car – $1,236 per year ($103 per month)
- Nissan Altima – Midsize car – $1,346 per year ($112 per month)
- Toyota Corolla – Compact car – $1,184 per year ($99 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 Nissan Kicks, Subaru Crosstrek, Buick Encore, and Nissan Rogue Sport. Average car insurance prices for those vehicles cost $1,008 or less per year to have full coverage.
Some additional vehicles that rank well in the cost comparison table are the Subaru Forester, Hyundai Venue, Subaru Impreza, and Ford Maverick. 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 $89 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 $1,132 per year, the BMW 330i at $1,280 per year, the Acura TLX at $1,300 per year, the Acura RDX at $1,052 per year, the Lexus RX 350 at $1,128 per year, and the Cadillac XT4 at $1,138 per year.
The table below ranks the top 50 cheapest vehicles to insure in Wisconsin from the 2023 model year.
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 $1,070 per year and ranges from $888 to $2,442 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 $960 to $2,626 per year for the driver profiles in the chart below. Kia Sorento insurance costs an average of $1,156 per year or $96 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 $1,078 to $2,948 per year for the example driver risk profiles, with average cost being $1,298 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 $1,060 to $2,906 per year, with the average cost being $1,276.
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 $1,650 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,368 to $3,730 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 18.2% cheaper than Minnesota, 6.6% more expensive than Iowa, 20.4% more expensive than Illinois, and 62.8% cheaper than Michigan.
When average rates are compared to other states in the Midwest that are not immediate neighbors, Wisconsin car insurance costs 2.4% more than Ohio, 4.5% more than Indiana, 14.8% less than North Dakota, and 15.7% less than Nebraska.
When compared to states in other regions of the country, the average car insurance cost in Wisconsin is 13.6% more expensive than North Carolina, 26.7% cheaper than Oregon, 40.1% cheaper than Colorado, 51.5% cheaper than California, and 54.2% 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 2023 Toyota Camry in Wisconsin is $1,198 per year. This average rate is:
- $1,094 per year cheaper than insuring the same vehicle in Michigan ($2,292)
- $240 per year cheaper than in Minnesota ($1,438)
- $76 per year more expensive than in Iowa ($1,122)
- $454 per year cheaper than in Kansas ($1,652)
- $202 per year cheaper than in Nebraska ($1,400)
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 - $1,722 per year or $144 per month
- Madison Car Insurance - $1,290 per year or $108 per month
- Green Bay Car Insurance - $1,124 per year or $94 per month
- Kenosha Car Insurance - $1,356 per year or $113 per month
- Racine Car Insurance - $1,562 per year or $130 per month
- Appleton Car Insurance - $1,124 per year or $94 per month
- Waukesha Car Insurance - $1,206 per year or $101 per month
- Oshkosh Car Insurance - $1,138 per year or $95 per month
