Cheap Car Insurance in Wisconsin
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Wisconsin Car Insurance Minimums
Wisconsin requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$10,000
- Uninsured motorist bodily injury: $25,000/$50,000
At-fault (tort) state.
Source: Wis. Stat. § 632.32(4)(a), (4m) (https://docs.legis.wisconsin.gov/document/statutes/632.32?view=section), verified 2026-09-01.
What drives car insurance rates in Wisconsin
Average spend per insured vehicle, 2023
$922
Wisconsin drivers spent $922 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
70.2¢
Auto insurers in Wisconsin paid 70.2 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
0.86
Wisconsin recorded 595 traffic deaths in 2024, 0.86 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
131.9
Wisconsin reported 7,877 motor vehicle thefts in 2025, 131.9 per 100,000 residents, from 161.3 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#18
FEMA ranks Wisconsin #18 of 51 for expected annual loss from natural hazards; flood accounts for 43% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Wisconsin
The ten insurer groups that wrote the most auto premium in Wisconsin in 2025, with their share of the state total of $4.7 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Progressive Group | 25.33% | $1.2 billion |
| 2 | State Farm Group | 16.83% | $790 million |
| 3 | American Family Insurance Group | 13.91% | $653 million |
| 4 | Berkshire Hathaway Group | 4.77% | $224 million |
| 5 | Allstate Insurance Group | 4.63% | $217 million |
| 6 | Erie Insurance Group | 4.06% | $190 million |
| 7 | Acuity A Mutual Insurance Co. | 3.57% | $168 million |
| 8 | United Services Automobile Association Group | 3.22% | $151 million |
| 9 | Auto Owners Group | 2.91% | $137 million |
| 10 | West Bend Insurance Group | 2.59% | $121 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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