Insurance Costs in Oshkosh, WI
Auto insurance in Oshkosh averages $1,121 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Oshkosh, WI: What You Need to Know
Oshkosh residents pay an average of $1,121 per year for full coverage auto insurance, which is 8.0% below the Wisconsin state average and 33.0% below the national average.
With a population of 66,816, Oshkosh is a growing city in Wisconsin. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,121 | $93 |
| Standard Coverage (50/100/50) | $919 | $77 |
| State Minimum (25/50/10) | $471 | $39 |
Homeowners Insurance in Oshkosh, WI
The average cost of homeowners insurance in Oshkosh is $1,114 per year ($93/month), which is 38.8% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Oshkosh, WI
Renters insurance in Oshkosh averages $168 per year ($14/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Wisconsin Cities
How to Save on Insurance in Oshkosh
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Oshkosh can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Oshkosh, WI?
The average cost of car insurance in Oshkosh, WI is $1,121 per year for full coverage, or about $93 per month. Minimum coverage costs around $471 per year.
Is car insurance expensive in Oshkosh?
Car insurance in Oshkosh is relatively affordable compared to many U.S. cities.
How much is home insurance in Oshkosh?
Homeowners insurance in Oshkosh costs an average of $1,114 per year. Your actual cost depends on your home's value, age, construction type, and specific location.