Liberty Mutual Auto Insurance in Wisconsin
Liberty Mutual is the 5th-largest U.S. auto carrier with one of the broadest discount catalogs in the industry. RightTrack telematics is its UBI option. Here's what Liberty Mutual typically costs in Wisconsin for 2026 — plus the 3 cheaper alternatives most Wisconsin drivers overlook.
Estimated annual premium
$1,325
Estimated monthly
$110
Wisconsin state avg
$1,275
vs Wisconsin avg
+4%
Why drivers pick Liberty Mutual
Customizable policy structure — pay-as-you-go RightTrack, accident forgiveness as a paid add-on, and a 'lifetime repair guarantee' on network-shop work.
Where Liberty Mutual falls short
Mid-pack rates and customer-satisfaction scores. Where Liberty wins is on the breadth of its rider/discount catalog rather than base rate.
Wisconsin minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $10K
Below national average; strict insurance regulation and competitive market help drivers.
Cheaper alternatives to Liberty Mutual in Wisconsin
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Liberty Mutual for a comparable driver profile in Wisconsin. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Liberty Mutual discounts available to Wisconsin drivers
Frequently asked questions
How much does Liberty Mutual auto insurance cost in Wisconsin?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Liberty Mutual in Wisconsin runs about $1,325/year (~$110/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Liberty Mutual cheaper than other carriers in Wisconsin?
Liberty Mutual is currently about 4% above the Wisconsin state average of $1,275/year. The cheaper alternatives in Wisconsin are typically USAA, Erie, GEICO. Whether Liberty Mutual is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Wisconsin minimum coverage requirements?
Wisconsin requires at least 25/50 thousand in bodily-injury liability per person/per accident and $10K in property-damage liability. Wisconsin is not a no-fault state, so PIP is optional but recommended for added medical coverage. Below national average; strict insurance regulation and competitive market help drivers.
Does Liberty Mutual offer discounts to Wisconsin drivers?
Liberty Mutual offers 6+ discounts that Wisconsin drivers can stack: RightTrack (telematics), Multi-policy, Online discount, Good student, Military, Hybrid/EV. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Liberty Mutual's national average ($1,860) multiplied by Wisconsin's state-vs-national premium index ($1,275 ÷ national average $1,789 ≈ 0.71x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Liberty Mutual J.D. Power score: 805/1000. A.M. Best rating: A (2024).