Wisconsin auto insurance averages - $921.55 per year in 2023, ranked #45 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Wisconsin sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $921.55 ▲13.7% | $447 |
| 2022 | $810.44 ▲6.9% | $412 |
| 2021 | $758.42 ▲1.4% | $402 |
| 2020 | $747.67 ▼2.6% | $404 |
| 2019 | $767.65 | $421 |
Evidence lead: 2023 cost position
Wisconsin's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
Wisconsin records $921.55 in 2023 average expenditure and ranks #45 of 51. This lowest-cost tier describes the statewide blend in the NAIC table, not the cheapest available policy. Individual premiums can still sit far above or below the state figure because the source is an aggregate market measure.
Year-by-year shape
Wisconsin's only decline is a shallow -2.6% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +13.7%, and the latest step is +13.7%. This is a rising series with one flat spot, not a genuine reversal.
Coverage-component signature
Wisconsin's most distinctive 2023 component is liability: $447.00, or 32.9% below the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Five-year movement
Wisconsin's +20.0% endpoint change ranks #21 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Narrow registry context
Wisconsin's complaint lookup is comparatively narrow: 32 represented companies and 3,366 records, ranking #49 and #49 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, Wisconsin's closest peers in this dataset are North Carolina ($925.08) and Indiana ($926.42), both within a few dollars of Wisconsin's own $921.55.
Market size. By total premium volume, Wisconsin's auto insurance market is worth $1.9B across 4.2 million insured vehicle-years in 2023 (1.1% of the US total) -- the #29 market by that measure, a notably different standing than its #45 rank by average cost.
Note on state comparisons: These averages reflect the mix of coverages purchased in Wisconsin, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
