Minnesota vs Wisconsin Car Insurance

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

Quick Verdict

More Affordable

Wisconsin is $280/yr cheaper on average.

Fewer Uninsured

Minnesota has a lower uninsured rate (7.9% vs 8.5%).

Rate & Coverage Comparison

Attribute	Minnesota	Wisconsin
Avg Annual Premium	$1,560	$1,280
Min Liability	$510	$420
Full Coverage	$1,560	$1,280
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.9%	8.5%
Registered Vehicles	4,679,740	4,833,080
Accidents/Year	70,196	72,496
Population	5,707,000	5,894,000

Minimum Coverage Requirements

Minnesota

30/60 / 10 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

Wisconsin$420 – $1,280

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

MinnesotaFull 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, Minnesota or Wisconsin?

Wisconsin has cheaper car insurance, with an average annual premium of $1,280 compared to $1,560 in Minnesota - a difference of $280 per year.

How do Minnesota and Wisconsin compare on fault systems?

Minnesota uses a no-fault system while Wisconsin uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Minnesota vs Wisconsin?

Minnesota requires 30/60 / 10 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $510/yr in Minnesota and $420/yr in Wisconsin.

Which state has more uninsured drivers, Minnesota or Wisconsin?

Wisconsin has a higher uninsured driver rate at 8.5%, compared to 7.9% in Minnesota. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Minnesota 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

Minnesota

Wisconsin

Avg Annual Premium

$1,560

$1,280

Min Liability

$510

$420

Full Coverage

$1,560

$1,280

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.9%

8.5%

Registered Vehicles

4,679,740

4,833,080

Accidents/Year

70,196

72,496

Population

5,707,000

5,894,000