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 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 type | State requirements |
|---|---|
| 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.
Factors that affect your Wisconsin car insurance rates
Several factors can affect your car insurance rate in Wisconsin, including your driving history, age and experience, vehicle, annual mileage, and where the vehicle is kept. Tickets, at-fault accidents, and prior claims may lead to higher premiums, while a clean driving record may help keep costs lower. Rates can also vary by location because traffic patterns, theft, and claim activity differ between the Milwaukee area, smaller cities, and more rural communities.
Wisconsin's changing seasons can also influence claim activity. Snow and ice may increase winter collision risk, while deer on rural roads and hail from summer storms can lead to Comprehensive and Collision claims. Your coverage limits, deductibles, and optional coverages will also affect your premium.
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 car 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
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Wisconsin car insurance FAQs
There are several ways you may be able to lower your car insurance premium in Wisconsin. Bundling your auto and home insurance, insuring more than one vehicle, going paperless, and maintaining a clean driving record may all help you save. You can also review available car insurance discounts to see what may apply to you.
Choosing a higher deductible can also lower your premium if you're comfortable paying more out of pocket after a covered claim. Reviewing your coverage as your vehicle ages and enrolling in RightTrack® may provide additional savings opportunities.
Wisconsin car insurance tends to cost less than the national average, with a typical full coverage premium of about $1,308 per year. Keep in mind that your actual rate may be higher or lower based on factors such as your driving history, experience, vehicle, location, and coverage selections. For example, drivers in the Milwaukee area may see different rates than those in the Northwoods or other rural parts of the state. Get a quote to see your personalized rate.
A policy with only Wisconsin's required minimum coverage may cost less, but it may also provide less financial protection after a serious accident and generally won't cover damage to your own vehicle.
Wisconsin requires minimum liability limits of 25/50/10 and Uninsured Motorist coverage of 25/50. Underinsured Motorist coverage is available separately. Review the Wisconsin minimum auto insurance requirements for current information.
Rather than comparing price alone, review policies using the same limits and deductibles. Savings from bundling, insuring multiple vehicles, and participating in RightTrack® may help make broader coverage more affordable.
The best car insurance depends on your budget, vehicle, driving habits, and the level of protection you want. Some drivers prioritize price, while others place more value on coverage options, claims service, discounts, or the ability to customize their policy.
Wisconsin's winter weather, deer collisions, and long rural drives may make broader protection worth considering. With Liberty Mutual, you can explore car insurance coverage options to help you find the best car insurance for your needs.