Wisconsin Auto Insurance Calculator
Estimate your car insurance premium in Wisconsin. The state average is $1,280/year — ranked #4 out of 50 states. Compare coverage levels and discover ways to save.
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🚗 Estimate Your Wisconsin Car Insurance Premium
Annual Premium
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Estimated total
Monthly Payment
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Per month
vs. State Average
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$1,280/yr avg
Coverage Breakdown
Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual |
|---|
📋 Wisconsin Auto Insurance Requirements
Wisconsin uses an at-fault insurance system. The driver who causes the accident is responsible for paying damages through their insurance.
| Coverage | Minimum Required | Recommended |
|---|---|---|
| Bodily Injury (per person) | $25K | $100K |
| Bodily Injury (per accident) | $50K | $300K |
| Property Damage | $10K | $100K |
| Collision | Not required | Yes (financed vehicles) |
| Comprehensive | Not required | Yes (financed vehicles) |
| Uninsured Motorist | Optional | $100K/$300K |
Wisconsin's uninsured motorist rate is 11.8% — above the national average of 12.6%.
💰 How to Save on Wisconsin Auto Insurance
- Bundle policies — Combine home and auto for 15-25% discount
- Raise your deductible — Going from $500 to $1,000 can save 15-20%
- Good driver discounts — Wisconsin insurers reward clean driving records with up to 25% off
- Good student discount — Students with a B average or higher save 10-15%
- Low mileage discount — Drive under 7,500 miles/year for potential 5-15% savings
- Pay annually — Avoid monthly payment fees, saving $50-100/year
- Improve credit score — Better credit can reduce premiums by 20-40% in Wisconsin
- Shop around — Compare at least 3-5 quotes. Rates vary significantly between insurers
📊 Wisconsin Auto Insurance Facts
State Average Premium
$1,280
per year
Uninsured Drivers
11.8%
of motorists
Insurance System
At-fault
Tort system
❓ Wisconsin Auto Insurance FAQ
What is the minimum auto insurance required in Wisconsin?
Wisconsin requires minimum liability coverage of 25/50/10 (bodily injury per person/per accident/property damage in thousands). However, these minimums are often insufficient for serious accidents — most experts recommend at least 100/300/100.
How much does car insurance cost in Wisconsin?
The average car insurance premium in Wisconsin is approximately $1,280 per year ($107/month). Your actual rate depends on your age, driving record, vehicle, credit score, coverage level, and location within the state.
Is Wisconsin a no-fault or at-fault state?
Wisconsin is an at-fault (tort) state. The driver who causes the accident is financially responsible for the other party's injuries and property damage.
What is the uninsured motorist rate in Wisconsin?
Approximately 11.8% of drivers in Wisconsin are uninsured. This is near the national average of 12.6%. Uninsured motorist coverage is recommended.
Does Wisconsin require full coverage?
No, Wisconsin only requires liability insurance. However, if you have a car loan or lease, your lender will almost certainly require collision and comprehensive coverage ("full coverage"). Even if you own your car outright, full coverage is recommended for vehicles worth more than $5,000.
How can I get the cheapest car insurance in Wisconsin?
To get the cheapest rates in Wisconsin: compare quotes from at least 5 insurers, maintain a clean driving record, raise your deductible, bundle home and auto policies, ask about all available discounts (good student, low mileage, safe driver), and improve your credit score.