The countrywide average auto premium is about $1,258/year (NAIC, 2022). Wisconsin ranks among the 10 least expensive states for auto insurance.
Est. State Avg (illustrative)
$1,200
Minimum Coverage
$25K/$50K/$10K
Uninsured Driver Rate
15.1%
Uninsured driver rate: Insurance Research Council (IRC) 2022 estimates (published 2023), via the Insurance Information Institute. National average: 14.0%.
No free public authority publishes a reliable city-by-city average premium, so we don’t invent one. What is verifiable: the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and by the NAIC’s 2021 average-expenditure data, wisconsin ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — always compare quotes from several insurers.
Wisconsin requires all drivers to carry minimum liability insurance of 25/50/10 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
Wisconsin is a tort state with a competitive auto insurance market that offers generally affordable rates for most drivers. The state requires uninsured motorist coverage, providing solid baseline protection for drivers who encounter uninsured at-fault parties. Wisconsin's required minimums of 25/50/10 are lower on the property damage side than most neighboring states, and drivers with newer vehicles are well served by carrying higher PD limits. The competitive market — with many regional and national carriers — rewards active comparison shopping.
Wisconsin's weather creates meaningful vehicle risks. Significant hail events occur in spring and summer across the state, and long winters with heavy snowfall and ice create elevated accident frequency from November through March. Deer populations are substantial throughout Wisconsin, making wildlife collisions a year-round risk with the highest frequency in fall. Milwaukee carries the state's highest rates due to urban congestion and theft, while rural Wisconsin — particularly the northern counties — offers very affordable premiums. Ice storms and freezing rain events on Wisconsin's road network generate significant winter comprehensive claims.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
No free authority publishes a precise Wisconsin average, so treat any single number as a ballpark. For national context, the countrywide average auto premium was about $1,258/year in 2022 (NAIC), and wisconsin ranks among the 10 least expensive states for auto insurance. Your own rate depends far more on your ZIP code, age, driving record, vehicle, and coverage level than on any statewide figure — compare quotes from several insurers.
Wisconsin requires at least $25K/$50K/$10K in liability coverage to drive legally. These minimums are often not enough to cover a serious accident, so many drivers carry higher limits — a common recommendation is 100/300/100.
An estimated 15.1% of drivers in Wisconsin are uninsured. Because of that, adding uninsured/underinsured motorist coverage is worth considering — it protects you if an at-fault driver has no insurance or too little.
Compare quotes from at least five insurers, bundle auto with home or renters, raise your deductible, and claim every discount you qualify for (safe driver, good student, low mileage). For the same coverage, premiums in Wisconsin can differ by $500–$1,500 between carriers.
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.