Drive less than 10,000 miles per year in Wisconsin? Pay-per-mile insurance charges you a low base rate plus a per-mile fee (typically 2-6¢/mile). Low-mileage drivers can save 30-50% compared to traditional insurance — especially in Wisconsin where the average premium is $132/month.
(888) 217-6781Pay-per-mile insurance uses a small device plugged into your car's OBD-II port (or a phone app) to track miles driven. You pay a daily or monthly base rate plus a per-mile charge. If you drive 5,000 miles/year, you could pay as little as $60-$80/month total — compared to $132/month for traditional full coverage in Wisconsin.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $600 | $100/mo |
| Rural Mutual | $630 | $105/mo |
| Progressive | $672 | $112/mo |
| American Family | $708 | $118/mo |
| State Farm | $738 | $123/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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