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Drunk driving and auto insurance costs in Wisconsin

Insurance rates in most cities in Wisconsin are extremely affordable. Wisconsin has an average annual insurance rate of $1228, which makes Wisconsin the 12th least expensive auto insurance state. Appleton, the least expensive city in Wisconsin, has an annual average insurance rate of $796. It costs less than $900 to insure a car in Eau Claire, Green Bay, Oshkosh and Waukesha, with average insurance rates of $861, $863, $865, and $873, respectively. In Madison, it costs an average of $907 per year to insure a car, and in Racine it costs $1000. The average annual insurance rates in West Allis, Kenosha, and Milwaukee are $1005, $1055, and $1168, respectively.

Drunk driving has a major impact on the average insurance rates. After a single Driving Under the Influence (DUI) conviction in Wisconsin, your insurance rate will increase from $1228 to $2284. Even Appleton, the least expensive zip code to buy auto insurance, becomes an expensive place to buy insurance after a DUI on your record. In Appleton, your insurance rate will increase from $796 to $1481. In Milwaukee, your insurance rate increases from $1168 to $2172.

One of the best ways to reduce insurance costs is to take a defensive driving course. The table below shows the reduction in rates after you complete this course.

City/ State Zip code Average Annual Insurance Rate ($) Increased Insurance Rate after DUI conviction ($) Reduced Rate after Defensive Driving Course Completion ($)
Appleton 54912 796 1,481 1,259
Eau Claire 54703 861 1,601 1,361
Green Bay 54229 863 1,605 1,364
Oshkosh 54902 865 1,609 1,368
Waukesha 53151 873 1,624 1,380
Madison 53703 907 1,687 1,434
Racine 53177 1,000 1,860 1,581
West Allis 53219 1,005 1,869 1,589
Kenosha 53140 1,055 1,962 1,668
Milwaukee 53202 1,168 2,172 1,846
Wisconsin 54401 1,228 2,284 1,941

Defensive driving courses also help make you a better driving, by teaching you to cope with hazardous weather conditions while driving.

Accidents and auto insurance in Wisconsin

Wisconsin, with an annual average auto insurance rate of $1228, is the 12th least expensive auto insurance state in the United States. Auto insurance rates are lower only in the states of Maine, Idaho, Iowa, North Carolina, Ohio, New Hampshire, South Carolina, Indiana, Washington, and Arizona.

The average auto insurance rates in Appleton, Eau Claire, Green Bay, Oshkosh, Waukesha, and Madison are below $1,000. Racine and West Allis also have affordable insurance rates, at $1000 and $1005, respectively. In Kenosha, the average annual insurance premium is $1055, and in Milwaukee it is $1168. On the whole, Wisconsin’s auto insurance rates are lower than the national average, $1496.

These rates could, however, be significantly impacted by accidents on your driving record. After one accident in Appleton your rates would increase from $796 to $980, and after two accidents you will have to pay $1462 every year to insure your car. In Milwaukee, this increase will hit you even harder. After a single accident in Milwaukee, car insurance companies are likely to increase your premium to $1439 and after two accidents to $2146.

Most car insurance companies also follow the Insurance Services Office’s (ISO) surcharge policy, and increase premiums accordingly. The table below shows the premium increase according to this surcharge policy –

City/State Zip code Average Annual Premium ($) Insurance rate for a multi-car policy ($) Insurance rate for a single-car policy ($)
Appleton 54912 796 955 1,114
Eau Claire 54703 861 1,033 1,205
Green Bay 54229 863 1,036 1,208
Oshkosh 54902 865 1,038 1,211
Waukesha 53151 873 1,048 1,222
Madison 53703 907 1088 1270
Racine 53177 1,000 1,200 1,400
West Allis 53219 1,005 1,206 1,407
Kenosha 53140 1055 1266 1477
Milwaukee 53202 1,168 1,402 1,635
Wisconsin 54401 1,228 1,474 1,719

If you have been involved in an accident in the past three years, your rates are likely to increase to an amount between $1256 and $1508 in West Allis. In Madison, an accident that caused major property damage or medical injuries that was your fault would cost you an amount between $1361 and $1814.

Best auto insurance deals in Wisconsin

The average insurance premium for used cars in the state of Wisconsin is $ 1228 per annum. The data analysis below will give us the highest and lowest insurance average of different car models in Madison and Milwaukee, two of the largest cities in Wisconsin.

The data is available for Madison, the capital of Wisconsin and Milwaukee, largest city of the state. The average insurance premium per annum for Madison and Milwaukee is $ 907 and $ 1168, respectively. This reflects that car buyers in Milwaukee pay more for insurance compared to Madison.

Please note that the used car models belong to the year range of 2005 to 2012.

Comparing the models produced by the car manufacturer Honda- Accord, Civic and CR-V, Honda Civic has the highest insurance average ($ 1121) in Milwaukee City and the lowest insurance average is of Honda CR-V ($ 798) in Madison City. The customers interested in buying the above mentioned Honda cars will be benefit if they buy their cars from Madison.

City Model Insurance average ($) Median price ($) Insurance percentage
Madison Honda Accord 863 17,865 4%
Milwaukee Honda Accord 1,111 17,859 6%
Madison Honda Civic 870 16,180 5%
Milwaukee Honda Civic 1,121 17,997 6%
Madison Honda CR-V 798 19,540 4%
Milwaukee Honda CR-V 1,028 21,219 4%

The average insurance of General Motors’ Chevrolet Silverado is the lowest in Madison city, but the median price is almost the same in both Madison and Milwaukee. While in Madison Silverado’s median price is $ 25999, in Milwaukee it is $ 26500.

The Ford F- Series has been in the market since the year 1948. There is a huge difference of $8000 in the median price of this car in Milwaukee and Madison. The lower insurance average is in Madison.

Toyota’s models- Camry and Corolla are old models which have been revamped every few years. The pattern of average insurance is the same–Madison has the lowest average insurance and median price for both the models.

City Model Insurance average ($) Median price ($) Insurance percentage
Madison Toyota Camry 860 15,999 5%
Milwaukee Toyota Camry 1,108 18,900 5%
Madison Toyota Corolla 848 14,791 5%
Milwaukee Toyota Corolla 1,092 14,900 7%

Nissan’s Altima, also a rival to Toyota Corolla and Honda Civic has the highest insurance out all the mentioned cars in both the cities. In Madison the insurance average for Altima is $926 whereas in Milwaukee it is $ 1193.

Wisconsin Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Wisconsin, WI.

Lowest Rate:$800
Average Rate:$1,200
Highest Rate:$1,600

Recent Savings From Top Providers in Wisconsin

Rank Customer Zipcode Amount Saved
1 54401 $289
2 54900 $282
3 54500 $280
4 54500 $278

Compare Auto Insurance Companies in Wisconsin

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Farmers A 1928
American Family A 1927
Erie A+ 1925
Nationwide A+ 1925

Wisconsin Auto Insurance Requirements

Minimum limits of liability for auto insurance in Wisconsin as per WI State Laws

Bodily Injury Liability

  • $20,000 for death/injury of any one person, per accident.
  • $40,000 for all persons per accident.

Property Damage Liability

  • $10,000 per accident.

Wisconsin Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Wisconsin is the vehicle's make and model. Especially the vehicle's theft rates in Wisconsin

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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Latest Auto Insurance Reviews in Wisconsin

Progressive

$450 per six months

I've had Progressive car insurance for 14 months now. For a bare-bones coverage option: liability only, $25,000/$50,000, I pay more than $200 per six months. There are no accidents on my record and I've been driving for more than seven years in Green Bay, WI; I got my driver's license when I was 22. Since there is only one car on my policy (I'm not married) I feel that this is a high rate considering that I own a 2002 Pontiac. I don't feel it necessary to have any extra coverage because my car is paid off and older. I use my car to drive to work five days a week and I live about five miles away from where I work. I switched from another provider, Ameriprise, because of rate increases. I saved $50 per six months. I do not have an agent, I signed up for my policy online. On a scale of 1 to 5, I would give Progressive a 2 because of continual unexplained rate increases, impersonal service and minimal coverage for the price I'm paying. There isn't much I like about the company, I have car insurance because it is required.