Cheapest Car Insurance Quotes in Lake Winnebago

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Lake Winnebago Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lake Winnebago

The car insurance rate in Lake Winnebago is $932 for a six-month policy, which is $49 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $474, making it a popular choice for budget-conscious drivers. Rates in Lake Winnebago can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lake Winnebago

$932

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Lake Winnebago

1st place: American Family

At $474 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $666 for six months, making it the third cheapest auto insurance company in Lake Winnebago.

Lake Winnebago Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Winnebago, MO is American Family, offering policies at just $474 for a six-month term. This is followed by Travelers, which has an average six-month premium of $599.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1422 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Winnebago drivers find the best deals.

Cheap Car Insurance Companies in Lake Winnebago, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$81
Travelers	$599	$101
USAA	$666	$112
Shelter	$886	$149
Encompass	$892	$152
State Farm	$942	$159
Electric	$1038	$177
Allstate	$1073	$181
Progressive	$1129	$190
Missouri Farm Bureau	$1134	$189
Nationwide	$1422	$242

Key Takeaways

Way's key takeaways about car insurance in Lake Winnebago

The auto insurance costs in Lake Winnebago fall around $474 for six months.
The cheapest auto insurance company in Lake Winnebago is USAA.
Teen drivers pay the highest rate in Lake Winnebago at $723 per month.

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Cheapest Minimum Liability Car Insurance in Lake Winnebago

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lake Winnebago are given below.

USAA provides the cheapest minimum car insurance coverage in Lake Winnebago. Their Average 6 Month Premium is $163. Nationwide is the most expensive at $570 for the same period.

Cheapest Liability Coverage in Lake Winnebago, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$163	$28
Missouri Farm Bureau	$181	$30
Travelers	$220	$37
Electric	$232	$39
Progressive	$248	$42
American Family	$254	$43
Encompass	$265	$45
Shelter	$316	$53
State Farm	$338	$57
Allstate	$508	$86
Nationwide	$570	$95

Cheapest Full Coverage Car Insurance in Lake Winnebago

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lake Winnebago is American Family at $81 per month and $474 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Winnebago, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$81
Travelers	$599	$101
USAA	$666	$112
Shelter	$886	$149
Encompass	$892	$152
State Farm	$942	$159
Electric	$1038	$177
Allstate	$1073	$181
Progressive	$1129	$190
Missouri Farm Bureau	$1134	$189
Nationwide	$1422	$242

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Average Car Insurance in Lake Winnebago by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lake Winnebago, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Winnebago, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lake Winnebago's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake Winnebago

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lake Winnebago,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Lake Winnebago at $40 per month. At $4340 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$237	$40
American Family	$271	$46
Travelers	$649	$109
USAA	$998	$168
Progressive	$1456	$245
State Farm	$1631	$275
Shelter	$1925	$321
Allstate	$3877	$659
Nationwide	$4340	$723

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lake Winnebago, Progressive is the cheapest car insurance provider. At $344 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lake Winnebago is Allstate, offering rates of around $553 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$344	$59
Travelers	$355	$59
Kemper	$434	$74
American Family	$463	$77
Shelter	$485	$83
Nationwide	$536	$89
Allstate	$553	$94

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Car Insurance Rates with An Accident in Lake Winnebago

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lake Winnebago, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Winnebago

The cheapest car insurance companies after an at-fault accident in Lake Winnebago include Missouri Farm Bureau and Electric, offering $198 and $282, respectively. Allstate is an expensive provider with an average six-month premium of $2286.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$198	$33
Electric	$282	$48
American Family	$311	$51
Encompass	$361	$62
Travelers	$428	$72
USAA	$440	$74
Progressive	$615	$104
State Farm	$745	$125
Shelter	$835	$141
Nationwide	$2105	$358
Allstate	$2286	$381

Lake Winnebago Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Winnebago MO. For example, the car insurance in Lake Winnebago after a DUI increases to $768 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Lake Winnebago auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1518	$253
One Med/PIP claim	$1518	$258
Not-at-fault accident	$1563	$260
One comp claim	$1574	$268
Two Med/PIP claims	$1574	$262
Two comp claims	$1676	$285
Failure to wear a seat belt	$1721	$287
Failure to show documents	$1727	$294
Child safety restraint	$1755	$293
Driving without lights	$1755	$298
Driving with expired registration	$1766	$295
Cell phone violation	$1777	$302
Driving too slowly	$1777	$296
Following too closely	$1777	$302
Speeding in school zone	$1777	$296
Failure to yield	$1783	$303
Speeding 11 - 15 MPH over limit	$1783	$297
Speeding 16 - 20 MPH over limit	$1783	$303
Speeding 6 - 10 MPH over limit	$1783	$297
Texting while driving	$1783	$303
Illegal turn	$1789	$298
Wrong way/wrong lane	$1789	$304
Failure to stop at a red light	$1795	$299
Improper passing	$1795	$305
Speeding 21 - 25 MPH over limit	$1795	$299
In 65 MPH zone	$1806	$307
Passing school bus	$1839	$307
Open container	$1896	$322
Operating a vehicle without permission	$1941	$324
At-fault accident - less than $1000	$2100	$357
At-fault accident - $1000-$2000	$2217	$370
At-fault accident - greater than $2000	$2217	$377
Refusal to submit to a chemical test	$2246	$374
DUI	$2286	$389
Driving with a suspended license	$2336	$390
Racing	$2393	$407
Leaving scene of an accident/hit and run	$2426	$405
Reckless driving	$2455	$417

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lake Winnebago after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lake Winnebago.

The cheapest car insurance premiums in Lake Winnebago are offered by Missouri Farm Bureau at $237 for a six-month policy. However, it can be as expensive as $2624 with companies like Nationwide.

Lake Winnebago car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$237	$40
American Family	$305	$50
Kemper	$378	$65
Travelers	$457	$77
Progressive	$564	$95
USAA	$700	$118
State Farm	$790	$133
Shelter	$920	$155
Allstate	$1986	$338
Nationwide	$2624	$437

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lake Winnebago are offered by Progressive at $271. However, it can be as expensive as $407 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Lake Winnebago after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$271	$46
Travelers	$288	$48
American Family	$305	$52
State Farm	$338	$56
Shelter	$407	$69

Car Insurance Price Trends in Lake Winnebago, Missouri

Car insurance rates in Lake Winnebago have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lake Winnebago remained steady at $124 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Lake Winnebago remained steady at $46 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lake Winnebago?

The car insurance in Lake Winnebago is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Winnebago?

The cheapest car insurance in Lake Winnebago is $81 per month for full coverage.

How much is car insurance in Lake Winnebago for teenagers?

Car insurance for teenagers costs $237 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lake Winnebago?

The average cost of car insurance is $981 for a six-month policy. It will cost around $157 per month to insure your car in Lake Winnebago.

Is car insurance expensive in Lake Winnebago?

Car insurance can be expensive in Lake Winnebago if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lake Winnebago can be affordable.

Cheapest Car Insurance Quotes in Lake Winnebago

Why you can trust Way?

How Much Is Car Insurance in Lake Winnebago

Avg. Car Insurance in Lake Winnebago

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Lake Winnebago

1st place: American Family

2nd place: Travelers

3rd place: USAA

Lake Winnebago Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Winnebago, MO

Way's key takeaways about car insurance in Lake Winnebago

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Winnebago

Cheapest Liability Coverage in Lake Winnebago, MO

Cheapest Full Coverage Car Insurance in Lake Winnebago

Cheapest Full Coverage Car Insurance Quotes in Lake Winnebago, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Winnebago by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lake Winnebago, MO increasing?

Car Insurance Premiums by Age in Lake Winnebago

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Winnebago,MO

If you are in your twenties N/A is the best choice for car insurance in Lake Winnebago.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lake Winnebago

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Winnebago

Lake Winnebago Car Insurance Rates by Violation

Lake Winnebago auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Winnebago after a DUI

Lake Winnebago car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Winnebago after Speeding ticket

Car Insurance Price Trends in Lake Winnebago, Missouri

Average Car Insurance Cost in Lake Winnebago by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Winnebago, MO

Car Insurance Rates by State in the USA (2025 Update)

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