About Wisconsin Auto Insurance
Wisconsin drivers pay an average of $980 per year for full coverage auto insurance, 35% less than the national average of $1,500. This makes Wisconsin one of the most expensive states for car insurance, ranking #4 out of 51 states and territories.
Wisconsin uses a traditional at-fault insurance system, meaning the driver who caused an accident is financially responsible for damages. This can result in lower base premiums but exposes you to liability from lawsuits.
Your actual rate will depend on your driving record, vehicle, age, and coverage choices. We recommend comparing quotes from at least 3-5 carriers.
Wisconsin Minimum Coverage Requirements
Wisconsin requires all registered vehicles to carry minimum liability insurance of $25k/50k/10k. This notation means:
- • $25,000 bodily injury liability per person injured
- • $50,000 total bodily injury liability per accident
- • $10,000 property damage liability per accident
Wisconsin also requires uninsured/underinsured motorist (UM/UIM) coverage with minimums of $25k per person. This protects you if you're hit by a driver without adequate insurance.
What Affects Wisconsin Auto Insurance Rates
UM/UIM required
Winter driving conditions
Deer collision risk high
How to Save on Wisconsin Auto Insurance
- ✓Comprehensive for deer strikes
- ✓Winter driving discounts
- ✓American Family competitive locally
Driving Risk Factors in Wisconsin
These factors are used by insurers to set rates in Wisconsin:
| Risk Factor | Wisconsin | National Avg | Rating |
|---|---|---|---|
| Traffic Fatalities (per 100k) | 12.2 | 12.8 | Average |
| Vehicle Thefts (per 100k) | 176 | 282 | Below Average |
| Most Stolen Vehicle | Chevrolet Silverado | ||
Wisconsin ranks #32 for traffic fatalities and #37 for vehicle theft among all 50 states.
What This Means for Insurance Rates
Wisconsin's below-average risk profile for both traffic fatalities and vehicle theft helps keep insurance rates more competitive compared to higher-risk states. If you drive a Chevrolet Silverado, consider adding comprehensive coverage with a low deductible.
Data: NHTSA FARS 2022, NICB Hot Spots Report 2022
Average Auto Insurance Rates in Wisconsin
The average annual auto insurance premium in Wisconsin is:
That's $82/month for full coverage
National avg: ~$$1,500/year
Top Auto Insurance Companies Operating in Wisconsin
Wisconsin Auto Insurance FAQ
What is the minimum car insurance required in Wisconsin?
Wisconsin requires minimum liability coverage of $25k/$50k/$10k. Uninsured/underinsured motorist coverage is also mandatory.
Is Wisconsin a no-fault or at-fault state?
Wisconsin is an at-fault (tort) state. The driver who caused the accident is responsible for the other party's damages. You would file a claim against the at-fault driver's insurance.
How much does car insurance cost in Wisconsin?
The average annual car insurance premium in Wisconsin is $980, which is 35% below the national average of $1,500. Rates vary significantly based on your driving record, age, vehicle, and ZIP code within the state.
Data Sources & Methodology
The information on this page is compiled from authoritative sources:
- •NAIC↗ — National Association of Insurance Commissioners complaint data
- •State DOI — State Department of Insurance rate filings
- •U.S. Census Bureau↗ — Population and demographic data
Insurance quotes and actual premiums will vary based on individual factors. This content is for informational purposes only.