Car Insurance in Wisconsin
Figures updated
The legal minimum, what drivers in Wisconsin pay and which insurers cost the least.
- $93.the average monthly price for full coverage.
- 25/50/10.the minimum liability limits.
- 45th of 51.the most expensive state (1st = highest).
How much car insurance costs in Wisconsin
Drivers in Wisconsin who carry full coverage pay an average of $1,112 a year, or about $93 a month. Policies with only the legal minimum average $484 each year. The US average is $1,613 a year, so the amount is 31% less.
| Coverage in Wisconsin | Per year | Per month |
|---|---|---|
| Liability | $484 | $40 |
| Collision | $349 | $29 |
| Comprehensive | $279 | $23 |
| Full coverage (all three) | $1,112 | $93 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Wisconsin's legal minimum
At least 25/50/10 liability is required in Wisconsin. It provides $25,000 for each injured person, $50,000 for everyone injured in a single crash and $10,000 for damage affecting property owned by other people.
Wisconsin follows at-fault rules. The driver who causes a crash pays for the losses through their liability cover.
You must have uninsured motorist cover.
How many Wisconsin drivers are uninsured?
About 16% of Wisconsin drivers had no car insurance in 2023, a share that ranks 16th highest of the 51. Your bills are paid by uninsured motorist cover if an uninsured motorist hits you.
More about car insurance in Wisconsin
It was first written on .