Tennessee vs Wisconsin Car Insurance

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

Quick Verdict

More Affordable

Wisconsin is $360/yr cheaper on average.

Fewer Uninsured

Wisconsin has a lower uninsured rate (8.5% vs 16.7%).

Rate & Coverage Comparison

Attribute	Tennessee	Wisconsin
Avg Annual Premium	$1,640	$1,280
Min Liability	$540	$420
Full Coverage	$1,640	$1,280
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.7%	8.5%
Registered Vehicles	5,666,200	4,833,080
Accidents/Year	84,993	72,496
Population	6,910,000	5,894,000

Minimum Coverage Requirements

Tennessee

25/50 / 15 liability

Wisconsin

25/50 / 10 liability

Premium Comparison

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

Wisconsin$420 – $1,280

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

TennesseeFull 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, Tennessee or Wisconsin?

Wisconsin has cheaper car insurance, with an average annual premium of $1,280 compared to $1,640 in Tennessee - a difference of $360 per year.

How do Tennessee and Wisconsin compare on fault systems?

Tennessee 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 Tennessee vs Wisconsin?

Tennessee requires 25/50 / 15 liability. Wisconsin requires 25/50 / 10 liability. Minimum liability costs $540/yr in Tennessee and $420/yr in Wisconsin.

Which state has more uninsured drivers, Tennessee or Wisconsin?

Tennessee has a higher uninsured driver rate at 16.7%, compared to 8.5% in Wisconsin. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Tennessee 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

Tennessee

Wisconsin

Avg Annual Premium

$1,640

$1,280

Min Liability

$540

$420

Full Coverage

$1,640

$1,280

Fault System

At-Fault (Tort)

Uninsured Rate

16.7%

8.5%

Registered Vehicles

5,666,200

4,833,080

Accidents/Year

84,993

72,496

Population

6,910,000

5,894,000