Let's drop your rate in WI today!
Compare Wisconsin car insurance rates from top carriers
Discover quotes from top providers including:
How It Works
1. Answer a Few Questions
Tell us a bit about yourself and your vehicle to start comparing auto insurance quotes. It only takes a couple of minutes to get your personalized auto insurance options.
2. Compare Auto Quotes
We'll match you with top auto insurance providers so you can compare auto insurance quotes side by side and find the best value for your coverage needs.
3. Get Your Quote & Get Covered
Review your offers, get a quote, and choose the auto insurance policy that fits you best. It's fast, easy, and completely free.
Car Insurance in Wisconsin: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Wisconsin drivers pay about $1,902 a year for full coverage — roughly 29% below the national average. Wisconsin is an at-fault state that requires uninsured-motorist coverage on top of a 25/50/10 liability minimum. Here's the coverage you must carry, what Wisconsinites pay, and how to find a cheaper rate.
Avg. full coverage
$1,902/yr
≈29% below U.S. avg.
Avg. minimum coverage
$451/yr
≈46% below U.S. avg.
State minimum
25/50/10
+ UM required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−29%
Below national average
Compare Wisconsin car insurance quotes from top carriersEnter your ZIP — it takes under 2 minutes
Minimum coverage required in Wisconsin
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $10k | Required |
| Uninsured motorist (BI) | $25k / $50k | Required in Wisconsin |
| Personal injury protection | Not required | Wisconsin is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Wisconsin premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,902/yr | 29% below U.S. | Comp + collision included |
| Minimum coverage | $451/yr | 46% below U.S. | Includes required UM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
See your real Wisconsin rate — not just averagesFree — no spam, no obligation
Wisconsin estimated rates by driver profile (2026)
Estimates anchor each profile to Wisconsin's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,902/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,720/yr | +43% | 1,902 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,358/yr | +24% | 1,902 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,576/yr | +88% | 1,902 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$3,804/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$3,233/yr | +70% | 1,902 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Wisconsin: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 29% below the national average
- ✓Mandatory UM coverage protects against uninsured drivers
- ✓Below-average minimum-coverage cost (~$451/yr)
- ✓Competitive market with national and regional carriers
Works against you
- ✗Deer collisions and harsh winters raise claim frequency
- ✗Low $10k property-damage floor leaves at-fault gaps
- ✗Credit history is a permitted rating factor
- ✗Milwaukee-area rates run above the state average
Ready to compare Wisconsin carriers in your area?Free — no spam, no obligation
A closer look at car insurance in Wisconsin
Wisconsin pairs below-average pricing with required UM coverage. Winter weather and one of the highest deer-collision rates in the country make comprehensive coverage worthwhile, and the low $10,000 property-damage floor is easily exceeded. With credit and location driving differences between carriers, comparison shopping is the most reliable way to capture Wisconsin's lower baseline.
Bottom line
Wisconsin is a below-average-cost state with required UM coverage, though deer and winter risk argue for full coverage. Comparing carriers and keeping credit healthy is the best way to land a competitive Wisconsin rate.
Ready to get quoted? Enter your ZIP to get startedWe'll connect you with carriers serving Wisconsin
Frequently asked questions about Wisconsin car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
AB Test AA Control: B