Updated NAIC 2023 data | Rank #7 of 51 by average expenditure
Car Insurance Cost Per Month in Wisconsin
Full coverage avg
$83/mo
Minimum coverage avg
$37/mo
State minimum reqs
25/50/10
Low litigation rates and a competitive market make Wisconsin one of the most affordable states. Adjust age and vehicle below to see your estimated monthly cost.
Wisconsin
in Wisconsin with a Sedan
$95/month
Anchored on the state average for a policy with liability, collision and comprehensive. -$25 below national avg
State Min$43/mo25/50/10
Standard$69/mo50/100/50
Full Coverage$95/mo100/300/100
State anchor: NAIC Auto Insurance Database Report, 2023 data year. Age and vehicle adjustments are modelled.
How we calculate thisModelled Monthly Cost by Age in Wisconsin
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $145 | $324 | Age 16page → |
| 17 | $132 | $296 | Age 17page → |
| 18 | $115 | $258 | Age 18page → |
| 19 | $98 | $219 | Age 19page → |
| 25 | $43 | $95 | Age 25page → |
| 35 | $36 | $81 | Age 35page → |
| 45 | $37 | $83 | Age 45page → |
| 65 | $40 | $91 | Age 65page → |
Average Monthly Cost by Vehicle Type in Wisconsin
Top 3 Carriers in Wisconsin by Market Share
1
State Farm
By direct written premium
2
GEICO
By direct written premium
3
American Family
By direct written premium
Market share does not equal the cheapest rate for your profile. Compare at least three carriers.
Nearby States by Cost Rank
Wisconsin Car Insurance FAQs
What is the average car insurance cost per month in Wisconsin?⌄
On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in Wisconsin carrying liability, collision and comprehensive averaged $83 a month, and the liability portion alone $37. The average insured vehicle in the state cost $77 a month, whether or not it carried the physical damage coverages, which ranks Wisconsin #7 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.
What is the minimum car insurance required in Wisconsin?⌄
Wisconsin requires minimum liability coverage of 25/50/10.
Who has the cheapest car insurance in Wisconsin?⌄
The top three carriers by market share in Wisconsin are State Farm, GEICO, American Family, per NAIC market share filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Wisconsin have no-fault insurance?⌄
No. Wisconsin is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.
Why is car insurance so cheap in Wisconsin?⌄
Low litigation rates and a competitive market make Wisconsin one of the most affordable states.
Is my credit score used for car insurance in Wisconsin?⌄
Yes, in most cases. Wisconsin allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.