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d20 + wisdom mod + proficiency bonus.
At level 1 proficiency bonus is +2, it inceases to +3 @ lvl 5, and to +4 @ lvl 9.
In my opinion you should not invest ability points to increase singular skills. Generally you would match your skills to your strengths, unless you are trying to roleplay in a specific direction.
Proficiency
lvl 1-4 +2
5-8 +3
9-13 +4
Your skills also have a matching stat that it gets beefed from
8-9 is -1
10-11 is 0
12-13 is +1
14-15 is +2
16-17 is +3
18-19 is +4
20 is +5
So if you are a lvl 1 character with 14 wisdom and prof in insight, your bonus is going to be a +4 and will go up to a maximum of +6 by this games end unless you also beef up your wisdom.