Cheapest Car Insurance Quotes in Bayside

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Bayside Car Insurance

^$ 23

/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 Bayside

The car insurance rate in Bayside is $772 for a six-month policy, which is $95 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $318, making it a popular choice for budget-conscious drivers. Rates in Bayside 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 Bayside

$772

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Bayside

1st place: AAA

At $318 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 $474 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 $521 for six months, making it the third cheapest auto insurance company in Bayside.

Bayside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bayside, WI is AAA, offering policies at just $318 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $474.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $866 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bayside drivers find the best deals.

Cheap Car Insurance Companies in Bayside, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$318	$54
West Bend Mutual	$474	$79
IMT Insurance Company	$521	$89
Auto-Owners Insurance Co	$528	$88
Chubb	$542	$92
Acuity	$583	$98
American Family	$589	$99
Travelers	$603	$101
Erie	$705	$119
USAA	$820	$138
Rockford Mutual	$860	$146
Nationwide	$928	$156
Rural Mutual	$955	$162
State Farm	$955	$161
Progressive	$1117	$188
Farmers	$1191	$198
Allstate	$1382	$233
Secura	$732	$122
Hastings Mutual	$866	$147

Key Takeaways

Way's key takeaways about car insurance in Bayside

The auto insurance costs in Bayside fall around $318 for six months.
The cheapest auto insurance company in Bayside is AAA.
Teen drivers pay the highest rate in Bayside at $728 per month.

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Cheapest Minimum Liability Car Insurance in Bayside

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 Bayside are given below.

AAA provides the cheapest minimum car insurance coverage in Bayside. Their Average 6 Month Premium is $136. Secura is the most expensive at $182 for the same period.

Cheapest Liability Coverage in Bayside, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$136	$23
Rural Mutual	$149	$25
Western National	$163	$27
Erie	$182	$31
USAA	$196	$33
West Bend Mutual	$203	$34
Auto-Owners Insurance Co	$210	$35
Acuity	$217	$36
American Family	$223	$38
Travelers	$223	$38
Progressive	$230	$39
Chubb	$237	$40
State Farm	$258	$43
Farmers	$399	$68
Allstate	$528	$89
Secura	$182	$31

Cheapest Full Coverage Car Insurance in Bayside

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 Bayside is AAA at $54 per month and $318 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bayside, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$318	$54
West Bend Mutual	$474	$79
IMT Insurance Company	$521	$89
Auto-Owners Insurance Co	$528	$88
Chubb	$542	$92
Acuity	$583	$98
American Family	$589	$99
Travelers	$603	$101
Erie	$705	$119
USAA	$820	$138
Rockford Mutual	$860	$146
Nationwide	$928	$156
Rural Mutual	$955	$162
State Farm	$955	$161
Progressive	$1117	$188
Farmers	$1191	$198
Allstate	$1382	$233
Secura	$732	$122
Hastings Mutual	$866	$147

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Average Car Insurance in Bayside 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 Bayside, WI increasing?

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

Car Insurance Premiums by Age in Bayside

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	$546
30s	USAA	$439
40s	USAA	$398
50s	USAA	$377
60s	USAA	$393
70s	USAA	$484

Cheapest Car Insurance Rates for Teen Drivers in Bayside,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Bayside at $38 per month. At $4367 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$223	$38
Travelers	$230	$39
Auto-Owners Insurance Co	$264	$44
Western National	$264	$44
West Bend Mutual	$298	$50
USAA	$982	$165
Erie	$1009	$170
American Family	$1219	$205
Acuity	$1856	$312
State Farm	$2140	$360
Progressive	$3088	$520
Allstate	$4070	$685
Farmers	$4367	$728

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 Bayside.

As young drivers face the highest rates in Bayside, USAA offers the cheapest auto insurance rates at $546 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 Bayside, Western National is the cheapest car insurance provider. At $170 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 Bayside is Allstate, offering rates of around $2099 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$170	$28
AAA	$189	$32
West Bend Mutual	$244	$41
Chubb	$271	$46
IMT Insurance Company	$271	$46
Travelers	$318	$54
Acuity	$670	$113
American Family	$772	$130
State Farm	$826	$138
Erie	$894	$150
Progressive	$1043	$176
Allstate	$2099	$357

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Bayside

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

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

The cheapest car insurance companies after an at-fault accident in Bayside include Western National and Rural Mutual, offering $170 and $196, respectively. Allstate is an expensive provider with an average six-month premium of $2059.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$170	$28
Rural Mutual	$196	$33
Auto-Owners Insurance Co	$258	$43
AAA	$264	$44
Chubb	$271	$46
Travelers	$271	$46
West Bend	$284	$48
West Bend Mutual	$339	$58
Auto-Owners	$352	$58
Erie	$542	$91
USAA	$542	$91
American Family	$820	$138
Acuity	$860	$145
State Farm	$866	$146
Farmers	$1638	$274
Progressive	$1822	$307
Allstate	$2059	$347

Bayside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bayside WI. For example, the car insurance in Bayside after a DUI increases to $900 for a six month policy. While the rate increases by $197 for a six-month policy in the case of a speeding ticket.

Bayside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$968	$162
One Med/PIP claim	$975	$165
Not-at-fault accident	$1016	$170
One comp claim	$1029	$176
Two Med/PIP claims	$1043	$173
Failure to show documents	$1057	$180
Driving with expired registration	$1083	$180
Failure to wear a seat belt	$1090	$186
Two comp claims	$1110	$185
Driving without lights	$1151	$196
Child safety restraint	$1158	$193
Speeding 6 - 10 MPH over limit	$1165	$198
At-fault accident - less than $1000	$1179	$196
Cell phone violation	$1186	$202
Driving too slowly	$1191	$198
Failure to yield	$1191	$203
Speeding in school zone	$1191	$198
Illegal turn	$1198	$204
Speeding 11 - 15 MPH over limit	$1198	$199
Speeding 16 - 20 MPH over limit	$1198	$204
Texting while driving	$1198	$199
Wrong way/wrong lane	$1198	$204
Failure to stop at a red light	$1212	$202
Following too closely	$1212	$206
Improper passing	$1246	$207
Passing school bus	$1267	$215
In 65 MPH zone	$1334	$222
At-fault accident - $1000-$2000	$1389	$236
Speeding 21 - 25 MPH over limit	$1389	$231
Operating a vehicle without permission	$1395	$237
At-fault accident - greater than $2000	$1402	$234
Open container	$1415	$241
Reckless driving	$1829	$304
Racing	$1835	$312
Refusal to submit to a chemical test	$1849	$308
Driving with a suspended license	$1856	$316
Leaving scene of an accident/hit and run	$1863	$310
DUI	$1868	$318

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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 Bayside 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 Bayside.

The cheapest car insurance premiums in Bayside are offered by Western National at $170 for a six-month policy. However, it can be as expensive as $1645 with companies like Allstate.

Bayside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$170	$28
Chubb	$271	$46
Travelers	$318	$54
West Bend	$380	$63
Kemper	$386	$66
USAA	$711	$120
Erie	$738	$124
American Family	$840	$141
Progressive	$1009	$170
State Farm	$1083	$182
Farmers	$1578	$268
Acuity	$1591	$266
Allstate	$1645	$277

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 Bayside are offered by Western National at $170. However, it can be as expensive as $1530 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Bayside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$170	$28
AAA	$217	$36
Auto-Owners Insurance Co	$237	$40
Travelers	$264	$44
Chubb	$271	$46
West Bend Mutual	$311	$52
Erie	$481	$81
State Farm	$562	$95
American Family	$569	$96
Acuity	$677	$114
Progressive	$894	$150
Allstate	$1530	$260

Car Insurance Price Trends in Bayside, Wisconsin

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

The average cost of full coverage in the Bayside rose by $143 in December compared to $139 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Bayside rose to $39 in December, compared to $36 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Bayside?

The car insurance in Bayside is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Bayside?

The cheapest car insurance in Bayside is $54 per month for full coverage.

How much is car insurance in Bayside for teenagers?

Car insurance for teenagers costs $223 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 Bayside?

The average cost of car insurance is $677 for a six-month policy. It will cost around $130 per month to insure your car in Bayside.

Is car insurance expensive in Bayside?

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

Cheapest Car Insurance Quotes in Bayside

Why you can trust Way?

How Much Is Car Insurance in Bayside

Avg. Car Insurance in Bayside

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Bayside

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Bayside Car Insurance Rates by Company

Cheap Car Insurance Companies in Bayside, WI

Way's key takeaways about car insurance in Bayside

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bayside

Cheapest Liability Coverage in Bayside, WI

Cheapest Full Coverage Car Insurance in Bayside

Cheapest Full Coverage Car Insurance Quotes in Bayside, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bayside by Rating Factor

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

Car Insurance Premiums by Age in Bayside

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bayside,WI

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

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 Bayside

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

Bayside Car Insurance Rates by Violation

Bayside auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bayside after a DUI

Bayside car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bayside after Speeding ticket

Car Insurance Price Trends in Bayside, Wisconsin

Average Car Insurance Cost in Bayside by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bayside, WI

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

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