Indiana vs Wisconsin Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Wisconsin is $250/yr cheaper on average.

Fewer Uninsured

Wisconsin has a lower uninsured rate (8.5% vs 14.0%).

Rate & Coverage Comparison

Attribute	Indiana	Wisconsin
Avg Annual Premium	$1,530	$1,280
Min Liability	$500	$420
Full Coverage	$1,530	$1,280
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.0%	8.5%
Registered Vehicles	5,564,520	4,833,080
Accidents/Year	83,467	72,496
Population	6,786,000	5,894,000

Minimum Coverage Requirements

Indiana

25/50 / 25 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

Wisconsin$420 – $1,280

Liability: $420Avg: $1,280Full: $1,280

IndianaFull rates, age breakdown, requirements →WisconsinFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Indiana or Wisconsin?

Wisconsin has cheaper car insurance, with an average annual premium of $1,280 compared to $1,530 in Indiana - a difference of $250 per year.

How do Indiana and Wisconsin compare on fault systems?

Indiana uses a at-fault (tort) system while Wisconsin uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Indiana vs Wisconsin?

Indiana requires 25/50 / 25 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $500/yr in Indiana and $420/yr in Wisconsin.

Which state has more uninsured drivers, Indiana or Wisconsin?

Indiana has a higher uninsured driver rate at 14.0%, compared to 8.5% in Wisconsin. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Indiana vs Wisconsin insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Indiana

Wisconsin

Avg Annual Premium

$1,530

$1,280

Min Liability

$500

$420

Full Coverage

$1,530

$1,280

Fault System

At-Fault (Tort)

Uninsured Rate

14.0%

8.5%

Registered Vehicles

5,564,520

4,833,080

Accidents/Year

83,467

72,496

Population

6,786,000

5,894,000