Cheapest Car Insurance Quotes in LaCrosse

Finding the cheapest car insurance quotes in LaCrosse shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

LaCrosse 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 LaCrosse

The car insurance rate in LaCrosse is $660 for a six-month policy, which is $108 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in LaCrosse 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 LaCrosse

$660

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in LaCrosse

1st place: Kemper

At $353 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $475 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $490 for six months, making it the third cheapest auto insurance company in LaCrosse.

LaCrosse Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in LaCrosse, WA is Kemper, offering policies at just $353 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $475.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $685 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help LaCrosse drivers find the best deals.

Cheap Car Insurance Companies in LaCrosse, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$58
Nationwide	$475	$81
Auto-Owners Insurance Co	$490	$82
Chubb	$556	$95
Capital Insurance Group	$567	$95
State Farm	$593	$100
USAA	$613	$103
Progressive	$659	$111
PEMCO	$674	$114
American Family	$695	$117
Travelers	$751	$126
Farmers	$797	$134
Allstate	$930	$157
Granwest P&C	$1154	$196
California Causality	$582	$99
Mutual of Enumclaw	$685	$116

Key Takeaways

Way's key takeaways about car insurance in LaCrosse

The auto insurance costs in LaCrosse fall around $353 for six months.
The cheapest auto insurance company in LaCrosse is USAA.
Teen drivers pay the highest rate in LaCrosse at $107 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in LaCrosse

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 LaCrosse are given below.

USAA provides the cheapest minimum car insurance coverage in LaCrosse. Their Average 6 Month Premium is $163. California Causality is the most expensive at $205 for the same period.

Cheapest Liability Coverage in LaCrosse, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$163	$28
California Casualty	$184	$31
Granwest P&C	$189	$32
PEMCO	$194	$33
Auto-Owners Insurance Co	$200	$34
Chubb	$235	$40
Travelers	$240	$40
Nationwide	$245	$41
Capital Insurance Group	$261	$43
State Farm	$261	$44
Progressive	$271	$46
American Family	$306	$52
Mutual of Enumclaw	$311	$52
Farmers	$327	$55
Allstate	$552	$93
Encompass	$179	$30
Grange	$184	$31
California Causality	$205	$34

Cheapest Full Coverage Car Insurance in LaCrosse

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 LaCrosse is Kemper at $58 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in LaCrosse, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$353	$58
Nationwide	$475	$81
Auto-Owners Insurance Co	$490	$82
Chubb	$556	$95
Capital Insurance Group	$567	$95
State Farm	$593	$100
USAA	$613	$103
Progressive	$659	$111
PEMCO	$674	$114
American Family	$695	$117
Travelers	$751	$126
Farmers	$797	$134
Allstate	$930	$157
Granwest P&C	$1154	$196
California Causality	$582	$99
Mutual of Enumclaw	$685	$116

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in LaCrosse Instantly!

Average Car Insurance in LaCrosse 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 LaCrosse, WA increasing?

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

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

Car Insurance Premiums by Age in LaCrosse

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	PEMCO	$582
30s	PEMCO	$408
40s	PEMCO	$412
50s	PEMCO	$391
60s	PEMCO	$412
70s	PEMCO	$512

Cheapest Car Insurance Rates for Teen Drivers in LaCrosse,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the LaCrosse at $48 per month. At $629 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$286	$48
Auto-Owners Insurance Co	$292	$50
Chubb	$327	$54
State Farm	$664	$112
American Family	$874	$147
Progressive	$1001	$169
USAA	$1053	$177
Pemco	$1072	$181
Farmers	$1522	$256
Allstate	$1757	$296
California Causality	$629	$107

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in LaCrosse.

As young drivers face the highest rates in LaCrosse, PEMCO offers the cheapest auto insurance rates at $582 for six months.

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 LaCrosse, AutoOwners Insurance Co is the cheapest car insurance provider. At $200 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 LaCrosse is California Causality, offering rates of around $470 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$200	$34
Chubb	$235	$40
Travelers	$240	$40
Nationwide	$281	$46
Kemper	$306	$52
American Family	$465	$78
Progressive	$542	$91
State Farm	$629	$106
Farmers	$695	$117
Pemco	$802	$135
USAA	$827	$141
Allstate	$1656	$276
National General	$337	$56
California Causality	$470	$80

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in LaCrosse.

Car Insurance Rates with An Accident in LaCrosse

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 LaCrosse, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in LaCrosse

The cheapest car insurance companies after an at-fault accident in LaCrosse include AutoOwners Insurance Co and Encompass, offering $255 and $292, respectively. California Causality is an expensive provider with an average six-month premium of $353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$255	$43
Encompass	$292	$50
Chubb	$301	$51
Travelers	$363	$61
USAA	$388	$65
Kemper	$424	$72
State Farm	$572	$96
PEMCO	$629	$106
American Family	$685	$115
Capital Insurance Group	$756	$128
Progressive	$904	$152
Farmers	$976	$164
Allstate	$1574	$265
California Causality	$353	$58

LaCrosse Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in LaCrosse WA. For example, the car insurance in LaCrosse after a DUI increases to $700 for a six month policy. While the rate increases by $200 for a six-month policy in the case of a speeding ticket.

LaCrosse auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$919	$153
One Med/PIP claim	$919	$157
Not-at-fault accident	$950	$158
Two Med/PIP claims	$950	$162
One comp claim	$955	$159
Two comp claims	$996	$169
Failure to show documents	$1098	$183
Child safety restraint	$1109	$188
Driving without lights	$1119	$187
Failure to wear a seat belt	$1119	$190
Speeding 11 - 15 MPH over limit	$1119	$187
Speeding 16 - 20 MPH over limit	$1119	$190
Speeding 6 - 10 MPH over limit	$1119	$187
Driving too slowly	$1129	$192
Driving with expired registration	$1129	$188
Cell phone violation	$1134	$193
Failure to yield	$1134	$189
Improper passing	$1134	$193
Texting while driving	$1134	$189
Wrong way/wrong lane	$1134	$193
Failure to stop at a red light	$1140	$190
Following too closely	$1140	$194
Illegal turn	$1140	$190
Speeding in school zone	$1190	$202
Passing school bus	$1195	$200
At-fault accident - less than $1000	$1211	$206
Speeding 21 - 25 MPH over limit	$1211	$202
Open container	$1216	$206
In 65 MPH zone	$1262	$211
At-fault accident - $1000-$2000	$1308	$223
At-fault accident - greater than $2000	$1313	$218
Operating a vehicle without permission	$1323	$225
Refusal to submit to a chemical test	$1583	$264
Reckless driving	$1588	$270
Driving with a suspended license	$1604	$267
DUI	$1619	$275
Racing	$1675	$280
Leaving scene of an accident/hit and run	$1686	$286

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 LaCrosse 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 LaCrosse.

The cheapest car insurance premiums in LaCrosse are offered by Chubb at $292 for a six-month policy. However, it can be as expensive as $311 with companies like National General.

LaCrosse car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$292	$50
Auto-Owners Insurance Co	$368	$61
Travelers	$398	$67
American Family	$572	$96
Progressive	$634	$107
Pemco	$643	$108
USAA	$705	$119
State Farm	$740	$125
Farmers	$1011	$170
Allstate	$1491	$251
Grange	$1563	$266
Cal Casualty	$1747	$292
National General	$311	$53

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 LaCrosse are offered by Chubb at $255. However, it can be as expensive as $286 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in LaCrosse after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$255	$43
Auto-Owners Insurance Co	$266	$46
Travelers	$327	$54
State Farm	$398	$67
American Family	$572	$96
USAA	$624	$106
Pemco	$629	$106
Progressive	$746	$126
Farmers	$869	$146
Allstate	$1150	$195
California Causality	$286	$49

Car Insurance Price Trends in LaCrosse, Washington

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

The average cost of full coverage in the LaCrosse rose by $130 in December compared to $127 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the LaCrosse rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in LaCrosse?

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

What is the cheapest car insurance in LaCrosse?

The cheapest car insurance in LaCrosse is $58 per month for full coverage.

How much is car insurance in LaCrosse for teenagers?

Car insurance for teenagers costs $286 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 LaCrosse?

The average cost of car insurance is $768 for a six-month policy. It will cost around $111 per month to insure your car in LaCrosse.

Is car insurance expensive in LaCrosse?

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

Cheapest Car Insurance Quotes in LaCrosse

Why you can trust Way?

How Much Is Car Insurance in LaCrosse

Avg. Car Insurance in LaCrosse

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in LaCrosse

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

LaCrosse Car Insurance Rates by Company

Cheap Car Insurance Companies in LaCrosse, WA

Way's key takeaways about car insurance in LaCrosse

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in LaCrosse

Cheapest Liability Coverage in LaCrosse, WA

Cheapest Full Coverage Car Insurance in LaCrosse

Cheapest Full Coverage Car Insurance Quotes in LaCrosse, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in LaCrosse by Rating Factor

I have a clean driving record. Why is my car insurance rate here in LaCrosse, WA increasing?

Car Insurance Premiums by Age in LaCrosse

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in LaCrosse,WA

If you are in your twenties PEMCO is the best choice for car insurance in LaCrosse.

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 LaCrosse

Cheapest Car Insurance Companies after an At-Fault Accident in LaCrosse

LaCrosse Car Insurance Rates by Violation

LaCrosse auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in LaCrosse after a DUI

LaCrosse car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in LaCrosse after Speeding ticket

Car Insurance Price Trends in LaCrosse, Washington

Average Car Insurance Cost in LaCrosse by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near LaCrosse, WA

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

Featured Blogs

Data Sources