Cheapest Car Insurance Quotes in Bayfield

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Bayfield Car Insurance

^$ 21

/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 Bayfield

The car insurance rate in Bayfield is $724 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $299, making it a popular choice for budget-conscious drivers. Rates in Bayfield 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 Bayfield

$724

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Bayfield

1st place: AAA

At $299 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $489 for six months, making it the third cheapest auto insurance company in Bayfield.

Bayfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bayfield, WI is AAA, offering policies at just $299 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $445.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $813 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bayfield drivers find the best deals.

Cheap Car Insurance Companies in Bayfield, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$299	$50
West Bend Mutual	$445	$74
IMT Insurance Company	$489	$83
Auto-Owners Insurance Co	$495	$82
Chubb	$508	$87
Acuity	$547	$92
American Family	$553	$93
Travelers	$566	$95
Erie	$661	$111
USAA	$769	$129
Rockford Mutual	$807	$137
Nationwide	$871	$147
Rural Mutual	$897	$152
State Farm	$897	$151
Progressive	$1049	$177
Farmers	$1118	$186
Allstate	$1297	$218
Secura	$687	$114
Hastings Mutual	$813	$138

Key Takeaways

Way's key takeaways about car insurance in Bayfield

The auto insurance costs in Bayfield fall around $299 for six months.
The cheapest auto insurance company in Bayfield is AAA.
Teen drivers pay the highest rate in Bayfield at $684 per month.

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Cheapest Minimum Liability Car Insurance in Bayfield

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 Bayfield are given below.

AAA provides the cheapest minimum car insurance coverage in Bayfield. Their Average 6 Month Premium is $127. Secura is the most expensive at $171 for the same period.

Cheapest Liability Coverage in Bayfield, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$127	$21
Rural Mutual	$140	$24
Western National	$153	$26
Erie	$171	$29
USAA	$184	$31
West Bend Mutual	$190	$32
Auto-Owners Insurance Co	$197	$33
Acuity	$203	$34
American Family	$210	$35
Travelers	$210	$35
Progressive	$216	$36
Chubb	$223	$37
State Farm	$242	$41
Farmers	$375	$64
Allstate	$495	$83
Secura	$171	$29

Cheapest Full Coverage Car Insurance in Bayfield

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 Bayfield is AAA at $50 per month and $299 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bayfield, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$299	$50
West Bend Mutual	$445	$74
IMT Insurance Company	$489	$83
Auto-Owners Insurance Co	$495	$82
Chubb	$508	$87
Acuity	$547	$92
American Family	$553	$93
Travelers	$566	$95
Erie	$661	$111
USAA	$769	$129
Rockford Mutual	$807	$137
Nationwide	$871	$147
Rural Mutual	$897	$152
State Farm	$897	$151
Progressive	$1049	$177
Farmers	$1118	$186
Allstate	$1297	$218
Secura	$687	$114
Hastings Mutual	$813	$138

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Average Car Insurance in Bayfield 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 Bayfield, WI increasing?

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

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

Car Insurance Premiums by Age in Bayfield

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	USAA	$513
30s	USAA	$412
40s	USAA	$373
50s	USAA	$354
60s	USAA	$369
70s	USAA	$455

Cheapest Car Insurance Rates for Teen Drivers in Bayfield,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Bayfield at $35 per month. At $4099 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$210	$35
Travelers	$216	$36
Auto-Owners Insurance Co	$248	$42
Western National	$248	$42
West Bend Mutual	$279	$47
USAA	$921	$155
Erie	$947	$159
American Family	$1144	$193
Acuity	$1742	$293
State Farm	$2008	$338
Progressive	$2899	$488
Allstate	$3820	$643
Farmers	$4099	$684

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Bayfield.

As young drivers face the highest rates in Bayfield, USAA offers the cheapest auto insurance rates at $513 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 Bayfield, Western National is the cheapest car insurance provider. At $159 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 Bayfield is Allstate, offering rates of around $1970 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$159	$27
AAA	$178	$30
West Bend Mutual	$229	$39
Chubb	$255	$43
IMT Insurance Company	$255	$43
Travelers	$299	$50
Acuity	$629	$106
American Family	$724	$122
State Farm	$776	$129
Erie	$839	$141
Progressive	$979	$165
Allstate	$1970	$335

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Car Insurance Rates with An Accident in Bayfield

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 Bayfield, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Bayfield include Western National and Rural Mutual, offering $159 and $184, respectively. Allstate is an expensive provider with an average six-month premium of $1932.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$159	$27
Rural Mutual	$184	$31
Auto-Owners Insurance Co	$242	$41
AAA	$248	$42
Chubb	$255	$43
Travelers	$255	$43
West Bend	$266	$45
West Bend Mutual	$318	$55
Auto-Owners	$331	$55
Erie	$508	$86
USAA	$508	$86
American Family	$769	$129
Acuity	$807	$136
State Farm	$813	$137
Farmers	$1538	$257
Progressive	$1710	$288
Allstate	$1932	$325

Bayfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bayfield WI. For example, the car insurance in Bayfield after a DUI increases to $846 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Bayfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$908	$152
One Med/PIP claim	$915	$155
Not-at-fault accident	$953	$159
One comp claim	$966	$165
Two Med/PIP claims	$979	$163
Failure to show documents	$992	$169
Driving with expired registration	$1017	$169
Failure to wear a seat belt	$1023	$174
Two comp claims	$1042	$173
Driving without lights	$1081	$184
Child safety restraint	$1087	$181
Speeding 6 - 10 MPH over limit	$1094	$186
At-fault accident - less than $1000	$1106	$184
Cell phone violation	$1113	$189
Driving too slowly	$1118	$186
Failure to yield	$1118	$190
Speeding in school zone	$1118	$186
Illegal turn	$1125	$192
Speeding 11 - 15 MPH over limit	$1125	$187
Speeding 16 - 20 MPH over limit	$1125	$192
Texting while driving	$1125	$187
Wrong way/wrong lane	$1125	$192
Failure to stop at a red light	$1137	$189
Following too closely	$1137	$194
Improper passing	$1170	$195
Passing school bus	$1189	$202
In 65 MPH zone	$1252	$209
At-fault accident - $1000-$2000	$1303	$221
Speeding 21 - 25 MPH over limit	$1303	$217
Operating a vehicle without permission	$1310	$223
At-fault accident - greater than $2000	$1316	$219
Open container	$1328	$226
Reckless driving	$1716	$286
Racing	$1723	$293
Refusal to submit to a chemical test	$1736	$289
Driving with a suspended license	$1742	$296
Leaving scene of an accident/hit and run	$1748	$291
DUI	$1754	$299

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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 Bayfield 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 Bayfield.

The cheapest car insurance premiums in Bayfield are offered by Western National at $159 for a six-month policy. However, it can be as expensive as $1544 with companies like Allstate.

Bayfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$159	$27
Chubb	$255	$43
Travelers	$299	$50
West Bend	$356	$59
Kemper	$363	$62
USAA	$668	$112
Erie	$692	$117
American Family	$789	$133
Progressive	$947	$159
State Farm	$1017	$171
Farmers	$1481	$251
Acuity	$1494	$249
Allstate	$1544	$260

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 Bayfield are offered by Western National at $159. However, it can be as expensive as $1436 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bayfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$159	$27
AAA	$203	$34
Auto-Owners Insurance Co	$223	$37
Travelers	$248	$42
Chubb	$255	$43
West Bend Mutual	$292	$49
Erie	$452	$76
State Farm	$528	$89
American Family	$534	$90
Acuity	$636	$107
Progressive	$839	$141
Allstate	$1436	$244

Car Insurance Price Trends in Bayfield, Wisconsin

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

The average cost of full coverage in the Bayfield rose by $134 in December compared to $131 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 Bayfield rose to $36 in December, compared to $34 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bayfield?

The car insurance in Bayfield is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Bayfield?

The cheapest car insurance in Bayfield is $50 per month for full coverage.

How much is car insurance in Bayfield for teenagers?

Car insurance for teenagers costs $210 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 Bayfield?

The average cost of car insurance is $677 for a six-month policy. It will cost around $122 per month to insure your car in Bayfield.

Is car insurance expensive in Bayfield?

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

Cheapest Car Insurance Quotes in Bayfield

Why you can trust Way?

How Much Is Car Insurance in Bayfield

Avg. Car Insurance in Bayfield

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Bayfield

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Bayfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Bayfield, WI

Way's key takeaways about car insurance in Bayfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bayfield

Cheapest Liability Coverage in Bayfield, WI

Cheapest Full Coverage Car Insurance in Bayfield

Cheapest Full Coverage Car Insurance Quotes in Bayfield, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bayfield by Rating Factor

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

Car Insurance Premiums by Age in Bayfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bayfield,WI

If you are in your twenties USAA is the best choice for car insurance in Bayfield.

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 Bayfield

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

Bayfield Car Insurance Rates by Violation

Bayfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bayfield after a DUI

Bayfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bayfield after Speeding ticket

Car Insurance Price Trends in Bayfield, Wisconsin

Average Car Insurance Cost in Bayfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bayfield, WI

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

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