How much is car insurance in Wisconsin?
In Wisconsin, a full-coverage auto policy averaged $1,000 a year in 2023 (NAIC), 31% below the $1,439 national average (6th lowest in the US), or about $1,190 a year in Wisconsin today (about $100 a month as of August 2026). For Wisconsin drivers, the law asks for at least 25/50/10 liability, and liability-only coverage—the closest NAIC measure to a minimum policy—averaged $447 in 2023 (about $530 today).
What people pay in Wisconsin: 6th lowest average in the US
Typical Wisconsin full-coverage price today
about $1,190 a year in Wisconsin (about $100 a month)
Wisconsin's 2023 NAIC full-coverage average ($1,000) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Wisconsin rate depends on your car, driving history, and coverage limits.
That $1,000 2023 full-coverage figure makes Wisconsin the 6th least expensive of the 50 states and DC (against $1,439 nationally), with 45% going to liability ($447, 7th lowest in the US) and 55% covering physical damage to your own vehicle. Across all insured vehicles in Wisconsin (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $922 (7th lowest in the US, about $1,090 today)—only 8% ($78) below Wisconsin's $1,000 full-coverage benchmark.
Wisconsin costs less to insure than Illinois, Iowa, Michigan, and Minnesota
A typical full-coverage policy in Wisconsin ($1,000 in 2023) costs less than in all four bordering states. Among Wisconsin's neighbors, Iowa had the lowest 2023 average ($1,010, moving to Wisconsin is about the same) and Michigan had the highest ($1,573, moving to Wisconsin is about $760 less a year).
| State | 2023 average | Moving to Wisconsin from there |
|---|---|---|
| Wisconsin | $1,000 | Current state (Wisconsin) |
| Illinois | $1,257 | About $340 less a year |
| Iowa | $1,010 | About the same |
| Michigan | $1,573 | About $760 less a year |
| Minnesota | $1,223 | About $300 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Hawaii ($998 in 2023, about $1,180 today), Idaho ($981 in 2023, about $1,160 today), Indiana ($1,032 in 2023, about $1,220 today), and New Hampshire ($1,032 in 2023, about $1,220 today).
Wisconsin: 25/50/10 minimums since 2011, with mandatory uninsured-motorist coverage
- Wisconsin liability (per person / per crash / property)
- $25,000 / $50,000 / $10,000
- Personal injury protection (PIP) in Wisconsin
- Not required
- Medical payments in Wisconsin
- Included unless you decline
- No-fault system in Wisconsin
- No
- Uninsured motorist in Wisconsin
- Required
- Underinsured motorist in Wisconsin
- Not required
Set by Wis. Stat. 344.33(2), Wisconsin's 25/50/10 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $10,000 for others' property—the legal floor in Wisconsin, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Wisconsin—the closest NAIC figure to what a Wisconsin minimum policy costs—averaged $447 in 2023 (about $530 in Wisconsin today), the 7th lowest of the 50 states and DC. That makes liability 45% of Wisconsin's full-coverage average ($1,000), while the remaining 55% goes toward collision and comprehensive coverage for your own car.
Wisconsin requires at least $25,000 per person and $50,000 per crash for injuries, plus $10,000 for property damage. Uninsured-motorist coverage is always included, and $1,000 of medical payments coverage is included unless you turn it down. Underinsured-motorist coverage is optional.
Good to know: The law lets you turn down medical payments coverage without saying the first refusal has to be in writing, so it's marked "included unless you decline." Town mutual insurers don't have to include uninsured motorist coverage.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is at least $25,000 per person and $50,000 per crash. Underinsured motorist coverage is optional; insurers must tell you it's available, and if you buy it, it must be at least $50,000/$100,000. Medical payments coverage of at least $1,000 per person comes with the policy unless you turn it down.
- History and recent checks
- 25/50/10 in s. 344.33(2) and s. 344.01(2)(d); no 2024-2026 change found. Current uninsured, underinsured, and medical payments rules reflect 2011 Wisconsin Act 14 (underinsured motorist coverage notice applies to policies effective after Nov. 1, 2011).
- Checked
- September 22, 2026
- Sources
- Wis. Stat. 344.33(2)
(a) Twenty-five thousand dollars because of bodily injury to or death of one person ... (b) ... $50,000 ... (c) Ten thousand dollars because of injury to or destruction of property
- Wis. Stat. 344.62(1) and 344.61(2)(c)
no person may operate a motor vehicle upon a highway in this state unless the owner or operator of the vehicle has in effect a motor vehicle liability policy
- Wis. Stat. 632.32(4)
uninsured motorist coverage, in limits of at least $25,000 per person and $50,000 per accident. 2. Medical payments coverage, in the amount of at least $1,000 per person ... the named insured may reject medical payments coverage
- Wis. Stat. 632.32(4m)
notice of the availability of underinsured motorist coverage ... Acceptance or rejection of underinsured motorist coverage ... need not be in writing
- Wis. Stat. 344.33(2)
Adding a 16-year-old driver in Wisconsin: about $780 more a year
Adding a 16-year-old to a Wisconsin policy
about $780 more a year
About $65 a month (+66% over a typical Wisconsin adult policy of $1,190), bringing the combined Wisconsin family policy to roughly $1,450–$2,600 a year.
On a separate Wisconsin policy of their own with the same car, a 16-year-old in Wisconsin would pay about $3,400 a year (roughly $2,600–$4,850), so sharing a parent's Wisconsin policy saves about $2,620 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Wisconsin's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Wisconsin
In Wisconsin, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $700 more a year on a Wisconsin policy, versus about $1,180 more a year for the 2022 Tesla Model 3 at the top of Wisconsin's list.
| 2022 model | Added to a Wisconsin policy | Own Wisconsin policy |
|---|---|---|
| 2022 Subaru Forester | +$700 in Wisconsin | $3,040 in Wisconsin |
| 2022 Subaru Outback | +$700 in Wisconsin | $3,040 in Wisconsin |
| 2022 Subaru Crosstrek | +$700 in Wisconsin | $3,050 in Wisconsin |
| 2022 Honda CR-V | +$750 in Wisconsin | $3,260 in Wisconsin |
| 2022 Toyota RAV4 | +$760 in Wisconsin | $3,320 in Wisconsin |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Wisconsin
In Wisconsin, a 45-year-old with full coverage pays from about $1,240 a year for a 2024 Jeep Wrangler to about $1,940 for a 2024 Tesla Model 3 on these Wisconsin sample models.
| Car | 45-year-old in Wisconsin | Adding a teen in Wisconsin |
|---|---|---|
| 2024 Jeep Wrangler | about $1,240 a year | +$820 a year |
| 2024 Ford Mustang | about $1,490 a year | +$990 a year |
| 2024 Tesla Model 3 | about $1,940 a year | +$1,280 a year |
| 2024 Hyundai Ioniq 5 | about $1,360 a year | +$900 a year |
| 2024 Toyota Corolla Cross | about $1,320 a year | +$870 a year |
| 2024 Nissan Altima | about $1,590 a year | +$1,050 a year |
| 2024 Nissan Versa | about $1,530 a year | +$1,010 a year |
| 2024 Nissan Kicks | about $1,400 a year | +$920 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Wisconsin
- How much is car insurance in Wisconsin?
- In Wisconsin, full-coverage car insurance averaged $1,000 a year in 2023 (the 6th least expensive of the 50 states and DC per NAIC), or about $1,190 a year ($100 a month) in Wisconsin as of August 2026. Wisconsin liability-only coverage averaged $447 in 2023 (45% of Wisconsin's full-coverage figure, or about $530 today), and Wisconsin drivers spent $922 per insured car across all policies.
- What are the minimum car insurance limits in Wisconsin?
- Under Wis. Stat. 344.33(2), Wisconsin requires 25/50/10 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $10,000 for property damage. 25/50/10 in s. 344.33(2) and s. 344.01(2)(d); no 2024-2026 change found. Current uninsured, underinsured, and medical payments rules reflect 2011 Wisconsin Act 14 (underinsured motorist coverage notice applies to policies effective after Nov. 1, 2011).
- How much does adding a 16-year-old teen driver cost in Wisconsin?
- Adding a 16-year-old to a parent's full-coverage policy in Wisconsin adds about $780 more a year ($65 a month), bringing the Wisconsin household policy to roughly $1,450–$2,600 a year versus about $3,400 a year (roughly $2,600–$4,850) on a standalone Wisconsin teen policy.
- Is Wisconsin a no-fault car insurance state?
- No—Wisconsin is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Wisconsin does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Wisconsin: Uninsured motorist coverage for injuries is at least $25,000 per person and $50,000 per crash. Underinsured motorist coverage is optional; insurers must tell you it's available, and if you buy it, it must be at least $50,000/$100,000. Medical payments coverage of at least $1,000 per person comes with the policy unless you turn it down.
- How does Wisconsin's car insurance cost compare with Illinois?
- Wisconsin averaged $1,000 for full coverage in 2023 (NAIC) against $1,257 in Illinois (20% less than Illinois), and moving a sample policy from Illinois to Wisconsin today is about $340 less a year. Other bordering states averaged $1,010 in Iowa, $1,573 in Michigan, and $1,223 in Minnesota in 2023.
Sources for Wisconsin
- Wisconsin average premiums ($1,000 full coverage, $447 liability-only, $922 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Wisconsin minimum coverage statutes (Wis. Stat. 344.33(2); Wis. Stat. 344.62(1) and 344.61(2)(c); Wis. Stat. 632.32(4); Wis. Stat. 632.32(4m)), checked September 22, 2026. Page updated for Wisconsin. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.