- Car Insurance
- Auto Insurance by State
- Wisconsin Car Insurance
Get a Wisconsin car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Wisconsin
Wisconsin drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programWisconsin minimum car insurance requirements (25/50/10)
It's illegal to drive without car insurance in Wisconsin. To drive legally, you need to have at least the following coverage amounts and minimums in Wisconsin.4
Coverage | Amount |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
| Uninsured/Underinsured Motorist Coverage | $25,000 per uninsured motorist (UM) and $50,000 per underinsured motorist (UIM) |
Learn more about state insurance requirements at the Wisconsin Office of the Commissioner of Insurance.
Average car insurance cost in Wisconsin, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Wisconsin is about $1,308 per year.
Drivers in Wisconsin will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Wisconsin?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Wisconsin you're only required to have the state minimums.
However, "full car coverage" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Wisconsin when you get an online auto insurance quote.
What liability insurance is required in Wisconsin?
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $10,000 per accident
- Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident
You may see this written as 25/50/10.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Is Wisconsin a no-fault insurance state?
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Wisconsin drivers may want to consider additional coverage know as Medical Payments (MedPay).
This coverage can help cover you if you're in an accident with an underinsured or uninsured driver. While this is an optional coverage, you may want to consider it.
Who offers cheap insurance in Wisconsin?
Finding the cheapest car insurance in Wisconsin may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate