Cheapest Car Insurance Quotes in Onalaska

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Onalaska Car Insurance

^$ 31

/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 Onalaska

The car insurance rate in Onalaska is $737 for a six-month policy, which is $31 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Onalaska 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 Onalaska

$737

Avg. Car Insurance in Washington

$768

National Average

$1140

Cheapest Car Insurance Companies in Onalaska

1st place: Kemper

At $394 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $530 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 $547 for six months, making it the third cheapest auto insurance company in Onalaska.

Onalaska Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Onalaska, WA is Kemper, offering policies at just $394 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $530.

At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $764 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Onalaska drivers find the best deals.

Cheap Car Insurance Companies in Onalaska, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
Nationwide	$530	$90
Auto-Owners Insurance Co	$547	$91
Chubb	$621	$106
Capital Insurance Group	$633	$106
State Farm	$661	$111
USAA	$684	$115
Progressive	$735	$124
PEMCO	$753	$127
American Family	$776	$131
Travelers	$838	$141
Farmers	$890	$150
Allstate	$1038	$175
Granwest P&C	$1288	$219
California Causality	$650	$110
Mutual of Enumclaw	$764	$130

Key Takeaways

Way's key takeaways about car insurance in Onalaska

The auto insurance costs in Onalaska fall around $394 for six months.
The cheapest auto insurance company in Onalaska is USAA.
Teen drivers pay the highest rate in Onalaska at $119 per month.

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Cheapest Minimum Liability Car Insurance in Onalaska

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 Onalaska are given below.

USAA provides the cheapest minimum car insurance coverage in Onalaska. Their Average 6 Month Premium is $182. California Causality is the most expensive at $228 for the same period.

Cheapest Liability Coverage in Onalaska, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$182	$31
California Casualty	$205	$35
Granwest P&C	$211	$36
PEMCO	$217	$36
Auto-Owners Insurance Co	$223	$37
Chubb	$262	$44
Travelers	$268	$45
Nationwide	$274	$46
Capital Insurance Group	$291	$48
State Farm	$291	$49
Progressive	$302	$51
American Family	$342	$58
Mutual of Enumclaw	$348	$58
Farmers	$365	$61
Allstate	$616	$104
Encompass	$200	$34
Grange	$205	$35
California Causality	$228	$38

Cheapest Full Coverage Car Insurance in Onalaska

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 Onalaska is Kemper at $65 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Onalaska, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$394	$65
Nationwide	$530	$90
Auto-Owners Insurance Co	$547	$91
Chubb	$621	$106
Capital Insurance Group	$633	$106
State Farm	$661	$111
USAA	$684	$115
Progressive	$735	$124
PEMCO	$753	$127
American Family	$776	$131
Travelers	$838	$141
Farmers	$890	$150
Allstate	$1038	$175
Granwest P&C	$1288	$219
California Causality	$650	$110
Mutual of Enumclaw	$764	$130

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Average Car Insurance in Onalaska 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 Onalaska, WA increasing?

Despite maintaining a clean driving record, your car insurance rates in Onalaska, 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, Onalaska's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Onalaska

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	$650
30s	PEMCO	$455
40s	PEMCO	$460
50s	PEMCO	$437
60s	PEMCO	$460
70s	PEMCO	$571

Cheapest Car Insurance Rates for Teen Drivers in Onalaska,WA

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Onalaska at $54 per month. At $702 for a six-month premium, California Causality offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$320	$54
Auto-Owners Insurance Co	$325	$56
Chubb	$365	$60
State Farm	$741	$125
American Family	$975	$164
Progressive	$1117	$188
USAA	$1175	$198
Pemco	$1197	$202
Farmers	$1699	$286
Allstate	$1961	$330
California Causality	$702	$119

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 Onalaska.

As young drivers face the highest rates in Onalaska, PEMCO offers the cheapest auto insurance rates at $650 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 Onalaska, AutoOwners Insurance Co is the cheapest car insurance provider. At $223 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 Onalaska is California Causality, offering rates of around $524 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$223	$37
Chubb	$262	$44
Travelers	$268	$45
Nationwide	$314	$52
Kemper	$342	$59
American Family	$519	$87
Progressive	$605	$102
State Farm	$702	$118
Farmers	$776	$131
Pemco	$896	$151
USAA	$924	$157
Allstate	$1848	$308
National General	$376	$62
California Causality	$524	$89

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

Car Insurance Rates with An Accident in Onalaska

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

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

The cheapest car insurance companies after an at-fault accident in Onalaska include AutoOwners Insurance Co and Encompass, offering $285 and $325, respectively. California Causality is an expensive provider with an average six-month premium of $394.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$285	$48
Encompass	$325	$56
Chubb	$336	$57
Travelers	$405	$68
USAA	$433	$73
Kemper	$473	$81
State Farm	$638	$108
PEMCO	$702	$118
American Family	$764	$129
Capital Insurance Group	$844	$143
Progressive	$1009	$170
Farmers	$1090	$183
Allstate	$1757	$296
California Causality	$394	$65

Onalaska Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Onalaska WA. For example, the car insurance in Onalaska after a DUI increases to $782 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

Onalaska auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1026	$171
One Med/PIP claim	$1026	$175
Not-at-fault accident	$1061	$177
Two Med/PIP claims	$1061	$180
One comp claim	$1067	$178
Two comp claims	$1112	$189
Failure to show documents	$1226	$204
Child safety restraint	$1237	$210
Driving without lights	$1249	$208
Failure to wear a seat belt	$1249	$212
Speeding 11 - 15 MPH over limit	$1249	$208
Speeding 16 - 20 MPH over limit	$1249	$212
Speeding 6 - 10 MPH over limit	$1249	$208
Driving too slowly	$1260	$214
Driving with expired registration	$1260	$210
Cell phone violation	$1266	$215
Failure to yield	$1266	$211
Improper passing	$1266	$215
Texting while driving	$1266	$211
Wrong way/wrong lane	$1266	$215
Failure to stop at a red light	$1272	$212
Following too closely	$1272	$216
Illegal turn	$1272	$212
Speeding in school zone	$1329	$226
Passing school bus	$1334	$223
At-fault accident - less than $1000	$1352	$229
Speeding 21 - 25 MPH over limit	$1352	$226
Open container	$1357	$230
In 65 MPH zone	$1408	$235
At-fault accident - $1000-$2000	$1460	$249
At-fault accident - greater than $2000	$1466	$244
Operating a vehicle without permission	$1476	$252
Refusal to submit to a chemical test	$1767	$295
Reckless driving	$1773	$301
Driving with a suspended license	$1790	$299
DUI	$1808	$307
Racing	$1870	$312
Leaving scene of an accident/hit and run	$1882	$320

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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 Onalaska 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 Onalaska.

The cheapest car insurance premiums in Onalaska are offered by Chubb at $325 for a six-month policy. However, it can be as expensive as $348 with companies like National General.

Onalaska car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$325	$56
Auto-Owners Insurance Co	$411	$68
Travelers	$444	$75
American Family	$638	$108
Progressive	$708	$119
Pemco	$718	$121
USAA	$787	$132
State Farm	$827	$139
Farmers	$1129	$190
Allstate	$1665	$280
Grange	$1745	$297
Cal Casualty	$1950	$325
National General	$348	$60

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 Onalaska are offered by Chubb at $285. However, it can be as expensive as $320 with companies like California Causality for a similar six-month premium.

Cheapest Car Insurance in Onalaska after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$285	$48
Auto-Owners Insurance Co	$297	$51
Travelers	$365	$60
State Farm	$444	$75
American Family	$638	$108
USAA	$696	$118
Pemco	$702	$118
Progressive	$832	$140
Farmers	$970	$163
Allstate	$1284	$218
California Causality	$320	$55

Car Insurance Price Trends in Onalaska, Washington

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

The average cost of full coverage in the Onalaska rose by $145 in December compared to $142 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 Onalaska rose to $49 in December, compared to $48 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Onalaska?

The car insurance in Onalaska is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Onalaska?

The cheapest car insurance in Onalaska is $65 per month for full coverage.

How much is car insurance in Onalaska for teenagers?

Car insurance for teenagers costs $320 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 Onalaska?

The average cost of car insurance is $768 for a six-month policy. It will cost around $124 per month to insure your car in Onalaska.

Is car insurance expensive in Onalaska?

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

Cheapest Car Insurance Quotes in Onalaska

Why you can trust Way?

How Much Is Car Insurance in Onalaska

Avg. Car Insurance in Onalaska

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Onalaska

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Onalaska Car Insurance Rates by Company

Cheap Car Insurance Companies in Onalaska, WA

Way's key takeaways about car insurance in Onalaska

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Onalaska

Cheapest Liability Coverage in Onalaska, WA

Cheapest Full Coverage Car Insurance in Onalaska

Cheapest Full Coverage Car Insurance Quotes in Onalaska, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Onalaska by Rating Factor

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

Car Insurance Premiums by Age in Onalaska

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Onalaska,WA

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

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 Onalaska

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

Onalaska Car Insurance Rates by Violation

Onalaska auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Onalaska after a DUI

Onalaska car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Onalaska after Speeding ticket

Car Insurance Price Trends in Onalaska, Washington

Average Car Insurance Cost in Onalaska by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Onalaska, WA

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

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