Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Wisconsin apart
Below-average; strong competition and moderate litigation.
Minimum vs. full coverage in Wisconsin
What each coverage level costs on the Wisconsin average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $520 | $43 |
| Liability Only | $830 | $69 |
| Full | $1,520 | $127 |
| Full Low Deductible | $1,850 | $154 |
Minimum coverage saves about $996/yr vs full — but caps protection at 25/50/10. One at-fault crash above those limits and the gap is yours.
Wisconsin car insurance FAQ
- What's the minimum car insurance required in Wisconsin?
- Wisconsin's state minimum is 25/50/10 — $25k bodily injury per person, $50k per accident, $10k property damage. Minimum-only runs about $520/yr but leaves you exposed above those caps.
- How much is full coverage in Wisconsin?
- Representative full coverage averages $1,516/yr (about $126/mo), ranking Wisconsin #10 of 51 states for cost.
- Why is Wisconsin car insurance priced the way it is?
- Below-average; strong competition and moderate litigation.