State risk profile
Wisconsin
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Wisconsin. Scores are informational and focus on relative risk, not individual outcomes.
Score status
38
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Wisconsin
Accident & Exposure Risk
Crash frequency is near the national midpoint. Fatality severity is below the national distribution. Traffic exposure is below the national distribution.
Weather & Environmental Risk
Severe weather exposure is below the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are below the national distribution, with inflation pressure above the national distribution.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is near the national midpoint, complaint severity is above the national distribution, litigation environment is below the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is below the national distribution.
Live traffic context
Active incident feeds in Wisconsin
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Active incidents
1
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Market Structure Context in Wisconsin
We highlight the highest-pressure risk signal in Wisconsin and show the public inputs that drive the score.
64
/ 100
Market structure signals show rate filing activity is above the national distribution, market concentration is below the national distribution.
Rate filing frequency
Auto filing volume per carrier and filing cadence.
Sources: SERFF
Market concentration
HHI concentration score and top-five share.
Sources: NAIC market share data
Premium pressure context
How premiums compare with risk in Wisconsin
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
10
/ 100
Average combined premium: $1,000
Premium pressure sits below the current risk baseline, which can reflect competitive or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
State context
Data-backed context for Wisconsin
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Market Structure Context
Market structure signals show rate filing activity is above the national distribution, market concentration is below the national distribution.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is near the national midpoint, complaint severity is above the national distribution, litigation environment is below the national distribution.
Theft & Fraud Exposure
Vehicle theft rates are near the national midpoint.