Popular Questions About Wisconsin Car Insurance

How much does Wisconsin car insurance cost?

Guess what! Wisconsin drivers pay less than most other drivers around the nation.

On average, Americans pay $1,474 per year for their auto insurance. Wisconsin drivers pay on average about $1,087 per year. Make sure you're getting the best rate by comparing quotes from a variety of insurance companies. 

What does Wisconsin car insurance actually do for me?

Driving on Wisconsin roads can be dangerous. Accidents happen. If you find yourself in one, here's what your car insurance will do for you...

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FIX YOUR CAR

We officially call this 'Comprehensive & Collision Coverage.'

NOT REQUIRED

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homowners insurance graphic

FIX SOMEONE ELSE'S CAR

We officially call this 'Property Damage Liability.'

REQUIRED | MIN. $10,000

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homowners insurance graphic

PAY YOUR MEDICAL BILLS

We officially call this 'Personal Injury Protection' or 'PIP.'

NOT REQUIRED

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homowners insurance graphic

PAY SOMEONE ELSE'S MED BILLS

We officially call this 'Bodily Injury Liability.'
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You'll notice that Wisconsin requires every driver to have a certain amount of insurance that will pay for someone else's vehicle damage and medical bills. Most states have similar laws to ensure that drivers are prepared for accidents they cause.

Who pays if the accident wasn't my fault?

The driver who caused the accident, of course.

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How many WI drivers are uninsured:
11.7%

The problem is: sometimes people drive without any insurance. They drive without a financial back-up plan for accidents.

That's where 'Uninsured Motorist Coverage' comes in. If you are hit by an uninsured driver, this insurance coverage will pay to fix your vehicle and handle your medical bills.

Typically, after paying you, your insurance company will then attempt to collect compensation from the offending driver.

Wisconsin does require you to have Uninsured Motorist coverage.

Who are the best insurance companies in Wisconsin?

An independent insurance agent compares multiple companies to find the best policy for your needs.

travelers
selective
Safeco
EMC

Find The Best Insurance In Your City

Milwaukee

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$122
PER MONTH
Avg. Cost of Milwaukee Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Milwaukee drivers spend less time on the road than most, which can help keep insurance rates relatively low.

National Average

25.4
MINUTES

Milwaukee Average

22.1
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Milwaukee is much higher than the national average, which may increase insurance rates.

AUTO THEFT RATE IN U.S.
2.94
(per every 1,000 vehicles)
Auto Theft Rate in Milwaukee
11.08
(per every 1,000 vehicles)

What Milwaukee residents are saying about our agents:

Great group of people! They have been saving me money for years. They search for the best fit (pricing, services, bundling, etc) and let you know your options. I always recommend them when people ask about saving money on insurance.

T.Z., Yelp Review

When I purchased my first car, I called around and searched on the internet to try and find the best deal. I wasn't particularly happy with the results, so I called my dad. He said, "Why didn't you call [my agent]?" It never occurred to me that a local broker would be able to save me money - but [this independent agent] did.

Jimmy L., Yelp Review
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Madison

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$110
PER MONTH
Avg. Cost of Madison Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Madison drivers spend less time on the road than most, which can help keep insurance rates relatively low.

National Average

25.4
MINUTES

Madison Average

18.5
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Madison is much higher than the national average, which may increase insurance rates.

AUTO THEFT RATE IN U.S.
2.94
(PER EVERY 1,000 VEHICLES)
Auto Theft Rate in Madison
1.00
(per every 1,000 vehicles)

What Madison residents are saying about our agents:

I've been with my independent agent for over 15 years! The personal service and instant access to anyone you need in the office is a plus. I have never called my agent and had to wait for an answer. There is always someone available to talk to. Since my agent is independent, they can choose from all the brands out there to find the best fit for you!

Joshua Duggan, Google Review

I have worked with my independent agent and his staff for almost five years now and have nothing but good things to say. They have always provided me with excellent service and are always prompt with any questions I have. One nice service they provide is they automatically check every year to make sure I am getting the best rate possible. I recommend them to all my friends and family.

Brandon Pivotto, Google Review
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Green Bay

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$87
PER MONTH
Avg. Cost of Green Bay Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Green Bay drivers spend less time on the road than most, which can help keep insurance rates relatively low.

25.4
MINUTES
17.5
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Green Bay is much lower than the national average, which may help decrease insurance rates.

AUTO THEFT RATE IN U.S.
2.94
(per every 1,000 vehicles)
Auto Theft Rate in Green Bay
0.81
(per every 1,000 vehicles)

What Green Bay residents are saying about our agents:

We've been with our independent agent for a long time and he is the best. You are not just a number. They all care about you and your family. I wouldn't trust anyone else with my insurance.

Hope Lax, Google Review

My independent agent is AWESOME! Every time I have to call they get back to me right away and make things so easy. I never have to worry about a thing!

Jodi Carr, Google Review
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Kenosha

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$97
PER MONTH
Avg. Cost of Kenosha Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Kenosha drivers spend about the same time on the road as the average national driver, which helps keep rates close to the national average.

National Average

25.4
MINUTES

Kenosha Average

23.6
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Kenosha is much lower than the national average, which may help decrease insurance rates.

AUTO THEFT RATE IN U.S.
2.94
(per every 1,000 vehicles)
Auto Theft Rate in Kenosha
0.98
(per every 1,000 vehicles)

What Kenosha residents are saying about our agents:

Our family has been a customer of our independent agency for over 10 years. I have done some "comparison shopping" for our multiple insurance needs and have found our independent agent to be quite competitive and reasonable in the insurance market. We have our home, car and business insurance through them - and more recently have acquired our HEALTH insurance through them. The owners are experts in their field as is every member of their staff. Each is a pleasure to do business with and most importantly, they KNOW and understand OUR insurance needs.

Brenda Zekovic, Google Review

My independent insurance agent is very professional and knowledgeable. She is super quick on taking care of business. As a transportation carrier, oftentimes I need some insurance form sent to direct customers or brokers. My agent gets it done asap. They're always friendly and cheerful.

Chet Usher, Google Review
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Racine

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$97

PER MONTH
Avg. Cost of Racine Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Racine drivers spend less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

map
25.4
MINUTES

Racine Average

map
21.4
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Racine is slightly lower than the national average, which may help decrease insurance rates.

AUTO THEFT IN U.S.
2.94
(per every 1,000 vehicles)
Auto Theft in Racine
1.36
(per every 1,000 vehicles)

What Racine residents are saying about our agents:

I dig the people at my independent agency. You need knowledgeable and honest advice. You don't need to look around. They have saved me and friends hundreds of dollars through their knowledge and expertise. I want someone on my team like these guys. Our friends in the insurance business.

Patrick Vandenberg, Google Review

I have been using my independent insurance agent for many years now & have been very happy with the great customer service & products they provide. Always very prompt & helpful.

Durand Automotive Center, Google Review
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Appleton

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$84

PER MONTH
Avg. Cost of Appleton Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Appleton drivers spend less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

25.4
MINUTES

Appleton Average

18.2
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Appleton is much lower than the national average, which may help decrease insurance rates.

AUTO theft rate in U.S.
2.94
(per every 1,000 vehicles)
Auto Theft in Appleton
0.31
(per every 1,000 vehicles)

What Appleton residents are saying about our agents:

My independent insurance agent is great. She has handled my parent's [insurance] for years and when I branched out on my own she gladly and smoothly transitioned me to on my own. I trust her with all of my insurance needs and she is thorough in explaining everything to me at a level I can understand. Highly recommend.

Dana Vanden Boogart, Google Review

Can't remember how long we have been with our independent agency but know we are very pleased with the service and friendliness of their staff. Keep up the good work.

Joan Falck, Google Review
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Waukesha

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$87

PER MONTH
Avg. Cost of Waukesha Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Waukesha drivers spend slightly less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

25.4
MINUTES

Waukesha Average

23.3
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Waukesha is much lower than the national average, which may help decrease insurance rates.

Auto Theft In U.S.
2.94
(per every 1,000 vehicles)
Auto Theft in Waukesha
0.55
(per every 1,000 vehicles)

What Waukesha residents are saying about our agents:

Our independent insurance agent provides the most personalized service in the industry. You want your business, home, apartment, auto, etc. insurance with them. We can always reach them at any time! Thank you for your service!

Sean Jones, Google Review

Our independent agents are both so personable and very responsive to email and call inquiries. They have worked with our family for years and we have been thrilled with their service.

Sandie Jacobs, Google Review
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Oshkosh

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$87

PER MONTH
Avg. Cost of Oshkosh Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Oshkosh drivers spend much less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

25.4
MINUTES

Oshkosh Average

15.6
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Oshkosh is much lower than the national average, which may help decrease insurance rates.

Auto Theft In U.S.
2.94
(per every 1,000 vehicles)
Auto Theft in Oshkosh
0.48
(per every 1,000 vehicles)

What Oshkosh residents are saying about our agents:

My independent agent offers excellent personalized, and customer-focused services. He took the time to understand what our needs were and helped us to meet them for the best price. He saved us $300 over our previous policy and was able to get us better coverage. Great company – thank you! A+

Oshkosh Resident, Online Reviewer

My independent agent saved me more than $700 a year with my home/car insurance! He always seems to find the best deals on insurance. I highly recommend.

Oshkosh Resident, Online Reviewer
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Eau Claire

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$87

PER MONTH
Avg. Cost of Eau Claire Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Eau Claire drivers spend much less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

25.4
MINUTES

Eau Claire Average

15.7
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Eau Claire is a little lower than the national average, which may help decrease insurance rates.

auto theft in U.S.
2.94
(per every 1,000 vehicles)
Auto Theft in Eau Claire
1.06
(per every 1,000 vehicles)
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Janesville

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$86

PER MONTH
Avg. Cost of Janesville Car Insurance

Depending on your vehicle, your gender, your driving record and a few other factors, your monthly cost could be higher or lower than this. 

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Here are some city factors that will affect your rate:

COMMUTE TIME

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. Janesville drivers spend slightly less time on the road than the average national driver, which helps keep insurance rates lower.

National Average

25.4
MINUTES

Janesville Average

20.6
MINUTES
THEFT IN YOUR CITY

The more dangerous your area is, the more likely it is that your vehicle will be stolen or vandalized. The theft rate in Janesville is much lower than the national average, which may help decrease insurance rates.

auto theft in U.S.
2.94
(per 1,000 vehicles)
Auto Theft in Janesville
0.74
(per 1,000 vehicles)
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How Much Does Car Insurance Cost
By Wisconsin City?
simple divider

Milwaukee
$1,460 per year


Madison
$1,314 per year


Green Bay
$1,042 per year


Kenosha
$1,166 per year


Racine
$1,174 per year


Appleton
$1,017 per year


Waukesha
$1,053 per year


Oshkosh
$1,051 per year


Eau Claire
$1,047 per year


Janesville
$1,034 per year


West Allis
$1,230 per year


La Crosse
$1,189 per year


Sheboygan
$974 per year


Wauwatosa
$1,215 per year


Fond du Lac
$1,024 per year

 

New Berlin
$1,037 per year


Wausau
$1,111 per year


Brookfield
$1,073 per year


Beloit
$1,061 per year


Greenfield
$1,228 per year


Menomonee Falls
$1,072 per year


Franklin
$1,164 per year


Oak Creek
$1,185 per year


Manitowoc
$1,065 per year


West Bend
$1,053 per year


Sun Prairie
$1,079 per year


Superior
$1,145 per year


Stevens Point
$1,157 per year


Mount Pleasant
$1,183 per year


Neenah
$968 per year


Fitchburg
$1,099 per year