Wisconsin Car Insurance Cost for 2023

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 $1,260 per year, which is 25.2% 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Wisconsin car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Wisconsin zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Wisconsin
Average Car Insurance Cost in Wisconsin
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,124$177
$500$2,508$209
$250$2,914$243
30$1,000$1,114$93
$500$1,328$111
$250$1,552$129
40$1,000$1,064$89
$500$1,260$105
$250$1,466$122
50$1,000$970$81
$500$1,148$96
$250$1,332$111
60$1,000$954$80
$500$1,128$94
$250$1,308$109

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Wisconsin car insurance cost by segment is based on 2023 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.Data last updated on December 30, 2022
Wisconsin Car Insurance Rates by Vehicle Segment
Wisconsin Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,148$96
Midsize Pickup$1,188$99
Midsize SUV$1,230$103
Minivan$1,234$103
Compact Car$1,254$105
Midsize Car$1,284$107
Compact Luxury SUV$1,364$114
Half-ton Pickup$1,370$114
Large SUV$1,380$115
Compact Luxury Car$1,386$116
Heavy Duty Pickup$1,448$121
Midsize Luxury SUV$1,464$122
Large Car$1,466$122
Midsize Luxury Car$1,602$134
Sports Car$1,724$144
Large Luxury SUV$1,854$155
Large Luxury Car$1,946$162

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.

Top 50 Cheapest Car Insurance Rates in Wisconsin
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$954$80
2Subaru Crosstrek$962$80
3Nissan Kicks$966$81
4Honda Passport$980$82
5Nissan Rogue Sport$984$82
6Mazda CX-5$990$83
7Buick Encore$1,004$84
8Buick Envision$1,008$84
9Kia Seltos$1,022$85
10Subaru Ascent$1,024$85
11Hyundai Venue$1,028$86
12Subaru Impreza$1,044$87
13Ford Maverick$1,046$87
14Honda HR-V$1,048$87
15Chevrolet Colorado$1,050$88
16Acura RDX$1,052$88
17Hyundai Kona$1,058$88
18Subaru Forester$1,062$89
19Ford Edge$1,068$89
20Honda CR-V$1,070$89
21Mazda CX-30$1,074$90
22Ford Explorer$1,076$90
23Volkswagen Atlas$1,076$90
24Nissan Murano$1,082$90
25Chevrolet Trax$1,084$90
26Subaru Outback$1,084$90
27Nissan Frontier$1,088$91
28Volkswagen Tiguan$1,094$91
29Ford Bronco Sport$1,098$92
30Fiat 500X$1,116$93
31Ford Ranger$1,118$93
32GMC Terrain$1,120$93
33Kia Soul$1,122$94
34Mitsubishi Eclipse Cross$1,124$94
35Volkswagen Atlas Cross Sport$1,126$94
36Lexus RX 350$1,128$94
37Acura Integra$1,132$94
38Chevrolet Equinox$1,134$95
39Cadillac XT4$1,138$95
40Toyota Corolla Cross$1,138$95
41Volkswagen Taos$1,142$95
42GMC Canyon$1,144$95
43Toyota Venza$1,148$96
44Mazda CX-50$1,150$96
45Honda Odyssey$1,152$96
46Hyundai Tucson$1,152$96
47Volkswagen Jetta$1,152$96
48Toyota Tacoma$1,154$96
49Ford Escape$1,156$96
50Kia Sorento$1,156$96

    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.Data last updated on December 30, 2022
    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 $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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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.Data last updated on December 29, 2022
    Honda CR-V Insurance Cost in Wisconsin
    2023 Honda CR-V Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,442$204
    Safe Driver Age 20$2,136$178
    At-fault Accidents Age 40$1,516$126
    Low Deductibles Age 40$1,388$116
    Safe Driver Age 30$1,124$94
    Safe Driver Age 40$1,070$89
    Safe Driver Age 50$978$82
    Safe Driver Age 60$958$80
    High Deductibles Age 40$904$75
    Discount Rate Age 40$888$74

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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.Data last updated on December 30, 2022
    Kia Sorento Insurance Cost in Wisconsin
    2023 Kia Sorento Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,626$219
    Safe Driver Age 20$2,300$192
    At-fault Accidents Age 40$1,628$136
    Low Deductibles Age 40$1,514$126
    Safe Driver Age 30$1,220$102
    Safe Driver Age 40$1,156$96
    Safe Driver Age 50$1,056$88
    Safe Driver Age 60$1,036$86
    High Deductibles Age 40$972$81
    Discount Rate Age 40$960$80

    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 .

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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.Data last updated on December 30, 2022
    Ford Expedition Insurance Cost in Wisconsin
    2023 Ford Expedition Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,948$246
    Safe Driver Age 20$2,586$216
    At-fault Accidents Age 40$1,824$152
    Low Deductibles Age 40$1,714$143
    Safe Driver Age 30$1,374$115
    Safe Driver Age 40$1,298$108
    Safe Driver Age 50$1,182$99
    Safe Driver Age 60$1,160$97
    High Deductibles Age 40$1,084$90
    Discount Rate Age 40$1,078$90

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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.Data last updated on December 30, 2022
    Honda Accord Insurance Cost in Wisconsin
    2023 Honda Accord Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,906$242
    Safe Driver Age 20$2,544$212
    At-fault Accidents Age 40$1,798$150
    Low Deductibles Age 40$1,672$139
    Safe Driver Age 30$1,346$112
    Safe Driver Age 40$1,276$106
    Safe Driver Age 50$1,164$97
    Safe Driver Age 60$1,142$95
    High Deductibles Age 40$1,072$89
    Discount Rate Age 40$1,060$88

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 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.Data last updated on December 29, 2022
    Chevrolet Camaro Insurance Cost in Wisconsin
    2023 Chevrolet Camaro Insurance Cost in Wisconsin
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,730$311
    Safe Driver Age 20$3,268$272
    At-fault Accidents Age 40$2,326$194
    Low Deductibles Age 40$2,126$177
    Safe Driver Age 30$1,730$144
    Safe Driver Age 40$1,650$138
    Safe Driver Age 50$1,500$125
    Safe Driver Age 60$1,474$123
    High Deductibles Age 40$1,400$117
    Discount Rate Age 40$1,368$114

    Is Wisconsin car insurance expensive?

    When compared to surrounding states, average Wisconsin car insurance rates are 16.7% cheaper than Minnesota, 6.8% more expensive than Iowa, 18.5% more expensive than Illinois, and 47.8% 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, 4.4% more than Indiana, 13.8% less than North Dakota, and 14.5% less than Nebraska.

    When compared to states in other regions of the country, the average car insurance cost in Wisconsin is 14.5% more expensive than North Carolina, 23.5% cheaper than Oregon, 33.4% cheaper than Colorado, 41% cheaper than California, and 42.6% 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.

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    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$1,180-$80
    Ohio$1,230-$30
    Wisconsin$1,260--
    Indiana$1,318$58
    North Dakota$1,462$202
    Nebraska$1,474$214
    Minnesota$1,512$252
    Illinois$1,546$286
    Kansas$1,738$478
    South Dakota$1,812$552
    Missouri$1,990$730
    Michigan$2,414$1,154

    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.