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Finding the cheapest car insurance quotes in Wauconda 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.
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 Wauconda
The car insurance rate in Wauconda is $753 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $402, making it a popular choice for budget-conscious drivers. Rates in Wauconda 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.
At $402 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: Nationwide
Nationwide offers auto
insurance rates at $541 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 $559
for six months, making it
the third cheapest auto insurance company in Wauconda.
Wauconda Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wauconda, WA is Kemper, offering policies at just $402 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $541.
At the higher end of the spectrum, Mutual of Enumclaw is the most expensive, with rates reaching $780 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wauconda drivers find the best deals.
Way's key takeaways about car insurance in Wauconda
The auto insurance costs in Wauconda fall around $402 for six
months.
The cheapest auto insurance company in Wauconda is USAA.
Teen drivers pay the highest rate in Wauconda at $122 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 Wauconda
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 Wauconda are given below.
USAA provides
the cheapest minimum car insurance
coverage in Wauconda. Their Average 6 Month Premium is $186.
California Causality is the most
expensive at $233 for the same
period.
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 Wauconda is Kemper
at $67 per month and $402
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wauconda,
WA
Get Your Car Insurance Quote in Wauconda
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Average Car Insurance in Wauconda 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 Wauconda, WA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wauconda, 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, Wauconda's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wauconda
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
$663
30s
PEMCO
$465
40s
PEMCO
$469
50s
PEMCO
$446
60s
PEMCO
$469
70s
PEMCO
$583
Cheapest Car Insurance Rates for Teen Drivers in
Wauconda,WA
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Wauconda at $55
per
month. At $716 for a six-month premium,
California Causality offers the most expensive rate for
teen drivers.
If you are in your twenties PEMCO is
the best choice for car
insurance in Wauconda.
As young drivers face the highest rates in Wauconda, PEMCO
offers the cheapest auto insurance rates at $663 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 Wauconda,
AutoOwners Insurance Co is
the cheapest car insurance provider. At $227 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
Wauconda is California Causality, offering
rates of around $535 for six
months.
Save up to $971/yr on car insurance rates in Wauconda.
Car Insurance Rates with An Accident in Wauconda
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 Wauconda, WA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wauconda
The cheapest car insurance companies after an at-fault accident in
Wauconda include AutoOwners Insurance Co
and Encompass, offering $291
and $332,
respectively. California Causality is an expensive provider
with an average six-month premium of
$402.
Here is a list of driving violations that can increase your car
insurance rates in Wauconda WA. For example, the car
insurance in Wauconda
after a DUI increases to $797 for a six
month policy. While the rate increases by $227 for a six-month policy in the case of
a speeding ticket.
Wauconda auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1048
$174
One Med/PIP claim
$1048
$178
Not-at-fault accident
$1083
$180
Two Med/PIP claims
$1083
$184
One comp claim
$1089
$181
Two comp claims
$1135
$193
Failure to show documents
$1251
$209
Child safety restraint
$1263
$215
Driving without lights
$1275
$213
Failure to wear a seat belt
$1275
$217
Speeding 11 - 15 MPH over limit
$1275
$213
Speeding 16 - 20 MPH over limit
$1275
$217
Speeding 6 - 10 MPH over limit
$1275
$213
Driving too slowly
$1287
$219
Driving with expired registration
$1287
$215
Cell phone violation
$1293
$220
Failure to yield
$1293
$216
Improper passing
$1293
$220
Texting while driving
$1293
$216
Wrong way/wrong lane
$1293
$220
Failure to stop at a red light
$1299
$217
Following too closely
$1299
$221
Illegal turn
$1299
$217
Speeding in school zone
$1356
$230
Passing school bus
$1362
$227
At-fault accident - less than $1000
$1380
$234
Speeding 21 - 25 MPH over limit
$1380
$230
Open container
$1386
$235
In 65 MPH zone
$1438
$240
At-fault accident - $1000-$2000
$1491
$254
At-fault accident - greater than $2000
$1496
$249
Operating a vehicle without permission
$1507
$257
Refusal to submit to a chemical test
$1804
$301
Reckless driving
$1810
$308
Driving with a suspended license
$1828
$305
DUI
$1845
$314
Racing
$1909
$319
Leaving scene of an accident/hit and run
$1921
$326
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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 Wauconda 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 Wauconda.
The cheapest car insurance premiums in
Wauconda are
offered by Chubb at $332 for a six-month policy.
However, it can be as
expensive as $355 with companies
like National General.
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 Wauconda are offered by Chubb
at $291. However,
it can be as expensive as $326
with companies like California Causality for a similar
six-month premium.
Cheapest Car Insurance in Wauconda after Speeding ticket
Car Insurance Price Trends in Wauconda,
Washington
Car insurance rates in Wauconda have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wauconda rose by
$148 in December
compared to $145 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 Wauconda rose to $50 in December,
compared to $49 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Wauconda by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wauconda. At $1505 for a
six-month policy, insuring
your car at 98859 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Wauconda?
The car insurance in Wauconda is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Wauconda?
The cheapest car insurance in Wauconda
is $67 per month
for full coverage.
How much is car insurance in Wauconda for teenagers?
Car insurance for teenagers costs $326 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
Wauconda?
The average cost of car insurance is $768 for a six-month
policy. It will cost around $126 per month to insure your
car in Wauconda.
Is car insurance expensive in Wauconda?
Car insurance can be expensive in Wauconda if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wauconda can be
affordable.
What is the best car insurance in Wauconda,
WA?
The best car insurance company in Wauconda
WA is
Kemper, offering $402 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wauconda, WA
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Wauconda Car Insurance
