Maine vs Wisconsin Car Insurance

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

Quick Verdict

More Affordable

Maine is $380/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 8.5%).

Rate & Coverage Comparison

Attribute	Maine	Wisconsin
Avg Annual Premium	$900	$1,280
Min Liability	$300	$420
Full Coverage	$900	$1,280
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	4.5%	8.5%
Registered Vehicles	1,116,840	4,833,080
Accidents/Year	16,752	72,496
Population	1,362,000	5,894,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

Maine$300 – $900

Liability: $300Avg: $900Full: $900

Wisconsin$420 – $1,280

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

MaineFull 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, Maine or Wisconsin?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,280 in Wisconsin - a difference of $380 per year.

How do Maine and Wisconsin compare on fault systems?

Maine 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 Maine vs Wisconsin?

Maine requires 50/100 / 25 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $300/yr in Maine and $420/yr in Wisconsin.

Which state has more uninsured drivers, Maine or Wisconsin?

Wisconsin has a higher uninsured driver rate at 8.5%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine 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

Maine

Wisconsin

Avg Annual Premium

$900

$1,280

Min Liability

$300

$420

Full Coverage

$900

$1,280

Fault System

At-Fault (Tort)

Uninsured Rate

4.5%

8.5%

Registered Vehicles

1,116,840

4,833,080

Accidents/Year

16,752

72,496

Population

1,362,000

5,894,000