Wisconsin Car Insurance Cost for 2021

How much does average car insurance cost in Wisconsin? We break down rates by segment to find the vehicles with cheap insurance quotes in Wisconsin.

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What does average car insurance cost in Wisconsin?

The average cost of car insurance in Wisconsin is $1,092 per year, which is 28.3% less than the national average rate of $1,523. Car insurance cost per month in Wisconsin costs an average of $91 for full coverage.

The chart below shows average car insurance cost in Wisconsin for all 2021 models. Rates are averaged for all Wisconsin Zip Codes and shown for different driver ages and policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Wisconsin car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Wisconsin zip codes.
Average Car Insurance Cost in Wisconsin
Average Car Insurance Cost in Wisconsin
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$1,844$154
$500$2,172$181
$250$2,520$210
30$1,000$968$81
$500$1,152$96
$250$1,344$112
40$1,000$924$77
$500$1,092$91
$250$1,268$106
50$1,000$844$70
$500$996$83
$250$1,154$96
60$1,000$830$69
$500$978$82
$250$1,134$95

The average costs shown above range from $830 per year for a 60-year-old driver with a high deductible policy to $2,520 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost ranges from $69 to $210 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 – $1,088 per year ($91 per month)
  • Honda Accord – Midsize car – $1,108 per year ($92 per month)
  • Honda Civic – Compact car – $988 per year ($82 per month)
  • Nissan Altima – Midsize car – $1,122 per year ($94 per month)
  • Toyota Corolla – Compact car – $900 per year ($75 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Wisconsin car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Wisconsin Zip Codes.
Wisconsin Car Insurance Rates by Vehicle Segment
Wisconsin Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Large Van$990$83
Small SUV$990$83
Midsize Truck$994$83
Midsize Van$1,022$85
Midsize Minivan$1,038$87
Small Car$1,072$89
Midsize SUV$1,092$91
Midsize Car$1,130$94
Large Truck$1,154$96
Large SUV$1,178$98
Small Luxury SUV$1,182$99
Large Car$1,228$102
Midsize Luxury SUV$1,272$106
Small Luxury Car$1,274$106
Heavy Duty Truck$1,310$109
Midsize Luxury Car$1,468$122
Sports Car$1,556$130
Large Luxury SUV$1,580$132
Large Luxury Car$1,738$145
Exotic Car$2,204$184

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 Mazda CX-5, Honda CR-V, Toyota C-HR, and Mazda CX-30. Average car insurance prices for those vehicles cost $904 or less per year to have full coverage.

Some additional vehicles that rank well in the cost comparison table are the Hyundai Tucson, Chevrolet Trax, Chevrolet Colorado, and Buick Envision. 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 $78 or less per month in Wisconsin.

Some of the cheapest luxury car and SUV insurance rates in Wisconsin can be found on the Acura ILX at $1,014 per year, the Mercedes-Benz A220 at $1,060 per year, the Volvo S60 at $1,146 per year, the Acura RDX at $932 per year, the Cadillac XT4 at $964 per year, and the Volvo XC40 at $984 per year.

The table below ranks the top 50 cheapest vehicles to insure in Wisconsin from the 2021 model year.

Top 50 Cheapest Car Insurance Rates in Wisconsin
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-3$846$71
2Chevrolet Spark$854$71
3Honda CR-V$880$73
4Mazda CX-5$892$74
5Kia Rio5$894$75
6Mazda CX-30$894$75
7Ford Ecosport$898$75
8Toyota C-HR$900$75
9Toyota Corolla$900$75
10Nissan Rogue Sport$904$75
11Hyundai Kona$906$76
12Chevrolet Trax$912$76
13Kia Sedona$914$76
14Buick Envision$916$76
15Chevrolet Colorado$916$76
16Hyundai Venue$920$77
17Mitsubishi Eclipse Cross$920$77
18Nissan Kicks$920$77
19Hyundai Tucson$924$77
20Kia Sportage$924$77
21Jeep Compass$930$78
22Acura RDX$932$78
23Ford Edge$932$78
24Kia Soul$932$78
25Volkswagen Golf$932$78
26Chevrolet Blazer$936$78
27Chevrolet Equinox$936$78
28Subaru Impreza$940$78
29Chevrolet Trailblazer$942$79
30Honda Passport$942$79
31Mazda MX-5 Miata$948$79
32Honda HR-V$952$79
33Volkswagen Tiguan$954$80
34Kia Telluride$956$80
35Nissan Frontier$960$80
36Ford Ranger$962$80
37Cadillac XT4$964$80
38Subaru Forester$964$80
39Volkswagen Atlas$964$80
40Ford Escape$966$81
41Subaru Ascent$966$81
42Toyota Tacoma$966$81
43Nissan Rogue$972$81
44Subaru Crosstrek$972$81
45Buick Encore$976$81
46Nissan Sentra$978$82
47GMC Terrain$980$82
48Kia Seltos$982$82
49Volvo XC40$984$82
50Honda Civic$988$82

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Wisconsin.
    Top 50 Cheapest Car Insurance Rates in Wisconsin

    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 $880 per year and ranges from $732 to $1,994 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Wisconsin includes all Zip Codes and vehicle trim levels.
    Honda CR-V Insurance Cost in Wisconsin
    Honda CR-V Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$1,994$166
    Safe Driver Age 20$1,748$146
    At-fault Accidents Age 40$1,236$103
    Low Deductibles Age 40$1,154$96
    Safe Driver Age 30$928$77
    Safe Driver Age 40$880$73
    Safe Driver Age 50$802$67
    Safe Driver Age 60$790$66
    High Deductibles Age 40$740$62
    Discount Rate Age 40$732$61

    Kia Sorento insurance rates

    Kia Sorento car insurance rates in Wisconsin range from $906 to $2,486 per year for the driver profiles in the chart below. Kia Sorento insurance costs an average of $1,094 per year or $91 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Wisconsin includes all Zip Codes and vehicle trim levels.
    Kia Sorento Insurance Cost in Wisconsin
    Kia Sorento Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,486$207
    Safe Driver Age 20$2,176$181
    At-fault Accidents Age 40$1,544$129
    Low Deductibles Age 40$1,414$118
    Safe Driver Age 30$1,146$96
    Safe Driver Age 40$1,094$91
    Safe Driver Age 50$996$83
    Safe Driver Age 60$976$81
    High Deductibles Age 40$928$77
    Discount Rate Age 40$906$76

    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 $982 to $2,704 per year for the example driver risk profiles, with average cost being $1,186 per year.

    The Ford Expedition is a large SUV and other similar models include the Toyota Sequoia, Chevrolet Tahoe, GMC Yukon, Chevrolet Suburban, and .

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Ford Expedition with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Expedition car insurance cost in Wisconsin includes all Zip Codes and vehicle trim levels.
    Ford Expedition Insurance Cost in Wisconsin
    Ford Expedition Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,704$225
    Safe Driver Age 20$2,366$197
    At-fault Accidents Age 40$1,676$140
    Low Deductibles Age 40$1,552$129
    Safe Driver Age 30$1,252$104
    Safe Driver Age 40$1,186$99
    Safe Driver Age 50$1,080$90
    Safe Driver Age 60$1,062$89
    High Deductibles Age 40$996$83
    Discount Rate Age 40$982$82

    Honda Accord insurance rates

    Average Honda Accord insurance rates in Wisconsin as shown in the chart below range from $920 to $2,526 per year, with the average cost being $1,108.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Wisconsin includes all Zip Codes and vehicle trim levels.
    Honda Accord Insurance Cost in Wisconsin
    Honda Accord Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,526$211
    Safe Driver Age 20$2,210$184
    At-fault Accidents Age 40$1,562$130
    Low Deductibles Age 40$1,450$121
    Safe Driver Age 30$1,170$98
    Safe Driver Age 40$1,108$92
    Safe Driver Age 50$1,010$84
    Safe Driver Age 60$992$83
    High Deductibles Age 40$930$78
    Discount Rate Age 40$920$77

    Chevrolet Camaro insurance rates

    The average cost for Chevrolet Camaro insurance in Wisconsin is $1,398 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,160 to $3,164 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2021 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Wisconsin includes all Zip Codes and vehicle trim levels.
    Chevrolet Camaro Insurance Cost in Wisconsin
    Chevrolet Camaro Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,164$264
    Safe Driver Age 20$2,772$231
    At-fault Accidents Age 40$1,982$165
    Low Deductibles Age 40$1,778$148
    Safe Driver Age 30$1,460$122
    Safe Driver Age 40$1,398$117
    Safe Driver Age 50$1,276$106
    Safe Driver Age 60$1,248$104
    High Deductibles Age 40$1,200$100
    Discount Rate Age 40$1,160$97

    Is Wisconsin car insurance expensive?

    When compared to surrounding states, average Wisconsin car insurance rates are 18% cheaper than Minnesota, 10.1% more expensive than Iowa, 2.4% more expensive than Illinois, and 59.4% cheaper than Michigan.

    When average rates are compared to other states in the Midwest that are not immediate neighbors, Wisconsin car insurance costs 7.9% more than Ohio, 0% more than Indiana, 5.4% less than North Dakota, and 7.9% less than Nebraska.

    When compared to states in other regions of the country, the average car insurance cost in Wisconsin is 7.1% more expensive than North Carolina, 17.8% cheaper than Oregon, 31.9% cheaper than Colorado, 34.1% cheaper than California, and 46% cheaper than Florida.

    The chart below shows how Wisconsin auto insurance rates compare to all other Midwest states. Wisconsin ranks fifth out of the 12 Midwest states in the comparison, and ranks 11th overall out of all 50 states for cheapest car insurance rates.

    Get Rates in Your AreaWhy is this important?

    Wisconsin Car Insurance Cost Compared to Midwest Region
    Average Car Insurance Cost in Wisconsin Compared to Midwest Region
    Midwest Region States Average Insurance Cost Annual Difference
    Iowa$992-$100
    Ohio$1,012-$80
    Illinois$1,066-$26
    Indiana$1,092$0
    Wisconsin$1,092--
    North Dakota$1,154$62
    Nebraska$1,186$94
    South Dakota$1,240$148
    Kansas$1,304$212
    Missouri$1,318$226
    Minnesota$1,332$240
    Michigan$2,692$1,600

    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 2021 Toyota Camry in Wisconsin is $1,110 per year. This average rate is:

    • $1,618 per year cheaper than insuring the same vehicle in Michigan ($2,728)
    • $238 per year cheaper than in Minnesota ($1,348)
    • $106 per year more expensive than in Iowa ($1,004)
    • $210 per year cheaper than in Kansas ($1,320)
    • $92 per year cheaper than in Nebraska ($1,202)

    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.