Ranked #32 of 51 by Cost
2026 Wisconsin Car Insurance Calculator
Estimate your monthly premium based on The Badger State averages
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Local insurance tip
Wisconsin is one of the few states that requires Underinsured Motorist coverage in addition to Uninsured Motorist coverage. Make sure your UIM limits match your liability limits, carrying high liability but low UIM means you are well protected if you cause an accident but poorly protected if a minimally insured driver causes one.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| WI minimum | $86 | Legal bare minimum (liability only) |
| Standard liability | $138 | High Liability, no physical damage |
| Full coverage | $184 | Comprehensive ($500 ded.) |
| Premium protection | $250 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $543 |
| 20-24 | High | $304 |
| 25-54 | Standard | $184 |
| 55-69 | Low | $175 |
| 70+ | Moderate | $230 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $184 |
| Speeding Ticket | Moderate | $224 |
| At-Fault Accident | High | $272 |
| DUI / DWI | Very high | $524 |
Wisconsin Snapshot · July 2026
$184/mo
State avg (-25% US AVG)
#32
National Rank
54%
County Spread
Rate by Neighboring States (5)
State Insight
Wisconsin sits in the affordable tier among its neighbors. Michigan is the most expensive neighbor by a dramatic margin, Detroit's legacy costs keeping it well above Wisconsin despite post-reform improvements. Illinois is the next most expensive, Cook County's outsized influence pulling it above Wisconsin. Minnesota is modestly above Wisconsin. Iowa is the most affordable neighbor, its minimal litigation activity keeping it just below Wisconsin's average.
Rate by Cities (Top 30)
Compared to WI avg ($184)
City Insight
Milwaukee leads the state but at a level that is modest by national standards for a city its size. The Kia and Hyundai theft surge pushed it above the state average but hasn't produced the dramatic outlier effect seen in cities like Detroit or Chicago. Green Bay and Appleton are the most affordable major cities, their Fox Valley demographics and lower claim frequency keeping rates well below Milwaukee and the Chicago-adjacent southeastern corridor.
Rate by Counties (72)
Compared to WI avg ($184)
County Insight
Milwaukee County leads the state, with Polk and Burnett counties in the northwest surprisingly close behind. Their elevated rates likely reflecting higher uninsured driver exposure and limited emergency response infrastructure along the Minnesota border. Brown and Winnebago counties anchoring Green Bay and Oshkosh are among the most affordable, a notable contrast given their size.
What Every Wisconsin Driver Needs To Know
What are the minimum car insurance requirements in WI for 2026?
Wisconsin requires 25/50/10 liability minimums: $25,000 bodily injury per person, $50,000 per accident and $10,000 for property damage. Wisconsin also mandates $25,000/$50,000 in Uninsured Motorist coverage and $50,000 in Underinsured Motorist coverage, making it one of the more comprehensive minimum requirement sets in the Midwest.
Why did Milwaukee's insurance rates spike in recent years?
Milwaukee became a focal point of a national wave of Kia and Hyundai thefts beginning around 2021, stemming from a widely shared social media trend exploiting a security vulnerability in certain model years. At its peak, Milwaukee recorded theft rates among the highest of any U.S. city. While manufacturer software patches have slowed the trend, the claims impact on local insurers continues to weigh on Milwaukee-area premiums.
Does Wisconsin require both Uninsured and Underinsured Motorist coverage?
Yes, Wisconsin is one of a minority of states requiring both. Uninsured Motorist (UM) covers you when the at-fault driver has no insurance at all. Underinsured Motorist (UIM) covers the gap when the at-fault driver has insurance, but their limits are too low to cover your full damages. Together they form a complete safety net against inadequately insured drivers.
What happens if I drive without insurance in Wisconsin?
Driving uninsured in Wisconsin results in a fine of up to $500 for a first offense, with higher fines for repeat violations. Your vehicle registration may be suspended and you may be required to file an SR-22 for three years. Wisconsin also imposes a $60 reinstatement fee. Notably, Wisconsin allows uninsured drivers to be sued directly for damages they cause, with no liability insurance to absorb the judgment.
Sources: Wisconsin DMV