Cheapest Car Insurance Quotes in Beaver Dam

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Beaver Dam Car Insurance

^$ 18

/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 Beaver Dam

The car insurance rate in Beaver Dam is $596 for a six-month policy, which is $81 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $246, making it a popular choice for budget-conscious drivers. Rates in Beaver Dam 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 Beaver Dam

$596

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Beaver Dam

1st place: AAA

At $246 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 $366 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 $402 for six months, making it the third cheapest auto insurance company in Beaver Dam.

Beaver Dam Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Beaver Dam, WI is AAA, offering policies at just $246 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $366.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $669 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Beaver Dam drivers find the best deals.

Cheap Car Insurance Companies in Beaver Dam, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$246	$41
West Bend Mutual	$366	$61
IMT Insurance Company	$402	$69
Auto-Owners Insurance Co	$407	$68
Chubb	$418	$71
Acuity	$450	$76
American Family	$455	$77
Travelers	$466	$78
Erie	$544	$92
USAA	$633	$106
Rockford Mutual	$664	$113
Nationwide	$716	$121
Rural Mutual	$737	$125
State Farm	$737	$124
Progressive	$862	$145
Farmers	$920	$153
Allstate	$1067	$180
Secura	$565	$94
Hastings Mutual	$669	$114

Key Takeaways

Way's key takeaways about car insurance in Beaver Dam

The auto insurance costs in Beaver Dam fall around $246 for six months.
The cheapest auto insurance company in Beaver Dam is AAA.
Teen drivers pay the highest rate in Beaver Dam at $562 per month.

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Cheapest Minimum Liability Car Insurance in Beaver Dam

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 Beaver Dam are given below.

AAA provides the cheapest minimum car insurance coverage in Beaver Dam. Their Average 6 Month Premium is $105. Secura is the most expensive at $141 for the same period.

Cheapest Liability Coverage in Beaver Dam, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$105	$18
Rural Mutual	$115	$19
Western National	$126	$21
Erie	$141	$24
USAA	$151	$26
West Bend Mutual	$157	$26
Auto-Owners Insurance Co	$162	$27
Acuity	$167	$28
American Family	$172	$29
Travelers	$172	$29
Progressive	$178	$30
Chubb	$183	$31
State Farm	$199	$33
Farmers	$308	$53
Allstate	$407	$69
Secura	$141	$24

Cheapest Full Coverage Car Insurance in Beaver Dam

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 Beaver Dam is AAA at $41 per month and $246 for six months.

Cheapest Full Coverage Car Insurance Quotes in Beaver Dam, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$246	$41
West Bend Mutual	$366	$61
IMT Insurance Company	$402	$69
Auto-Owners Insurance Co	$407	$68
Chubb	$418	$71
Acuity	$450	$76
American Family	$455	$77
Travelers	$466	$78
Erie	$544	$92
USAA	$633	$106
Rockford Mutual	$664	$113
Nationwide	$716	$121
Rural Mutual	$737	$125
State Farm	$737	$124
Progressive	$862	$145
Farmers	$920	$153
Allstate	$1067	$180
Secura	$565	$94
Hastings Mutual	$669	$114

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Average Car Insurance in Beaver Dam 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 Beaver Dam, WI increasing?

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

Car Insurance Premiums by Age in Beaver Dam

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	$422
30s	USAA	$339
40s	USAA	$307
50s	USAA	$291
60s	USAA	$304
70s	USAA	$374

Cheapest Car Insurance Rates for Teen Drivers in Beaver Dam,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Beaver Dam at $29 per month. At $3371 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$172	$29
Travelers	$178	$30
Auto-Owners Insurance Co	$204	$34
Western National	$204	$34
West Bend Mutual	$230	$39
USAA	$758	$128
Erie	$779	$131
American Family	$941	$158
Acuity	$1433	$241
State Farm	$1652	$278
Progressive	$2384	$401
Allstate	$3142	$529
Farmers	$3371	$562

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 Beaver Dam.

As young drivers face the highest rates in Beaver Dam, USAA offers the cheapest auto insurance rates at $422 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 Beaver Dam, Western National is the cheapest car insurance provider. At $131 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 Beaver Dam is Allstate, offering rates of around $1620 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$131	$22
AAA	$146	$25
West Bend Mutual	$188	$32
Chubb	$209	$35
IMT Insurance Company	$209	$35
Travelers	$246	$41
Acuity	$517	$87
American Family	$596	$100
State Farm	$638	$106
Erie	$690	$116
Progressive	$805	$136
Allstate	$1620	$275

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

Car Insurance Rates with An Accident in Beaver Dam

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

Cheapest Car Insurance Companies after an At-Fault Accident in Beaver Dam

The cheapest car insurance companies after an at-fault accident in Beaver Dam include Western National and Rural Mutual, offering $131 and $151, respectively. Allstate is an expensive provider with an average six-month premium of $1589.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$131	$22
Rural Mutual	$151	$26
Auto-Owners Insurance Co	$199	$33
AAA	$204	$34
Chubb	$209	$35
Travelers	$209	$35
West Bend	$219	$37
West Bend Mutual	$261	$45
Auto-Owners	$272	$45
Erie	$418	$70
USAA	$418	$70
American Family	$633	$106
Acuity	$664	$112
State Farm	$669	$113
Farmers	$1265	$211
Progressive	$1406	$237
Allstate	$1589	$268

Beaver Dam Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Beaver Dam WI. For example, the car insurance in Beaver Dam after a DUI increases to $695 for a six month policy. While the rate increases by $152 for a six-month policy in the case of a speeding ticket.

Beaver Dam auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$747	$125
One Med/PIP claim	$752	$128
Not-at-fault accident	$784	$131
One comp claim	$795	$136
Two Med/PIP claims	$805	$134
Failure to show documents	$816	$139
Driving with expired registration	$836	$139
Failure to wear a seat belt	$841	$143
Two comp claims	$857	$143
Driving without lights	$889	$151
Child safety restraint	$894	$149
Speeding 6 - 10 MPH over limit	$899	$153
At-fault accident - less than $1000	$910	$151
Cell phone violation	$915	$156
Driving too slowly	$920	$153
Failure to yield	$920	$157
Speeding in school zone	$920	$153
Illegal turn	$925	$158
Speeding 11 - 15 MPH over limit	$925	$154
Speeding 16 - 20 MPH over limit	$925	$158
Texting while driving	$925	$154
Wrong way/wrong lane	$925	$158
Failure to stop at a red light	$935	$156
Following too closely	$935	$159
Improper passing	$962	$160
Passing school bus	$978	$166
In 65 MPH zone	$1030	$172
At-fault accident - $1000-$2000	$1072	$182
Speeding 21 - 25 MPH over limit	$1072	$179
Operating a vehicle without permission	$1077	$183
At-fault accident - greater than $2000	$1082	$180
Open container	$1092	$186
Reckless driving	$1412	$235
Racing	$1417	$241
Refusal to submit to a chemical test	$1427	$238
Driving with a suspended license	$1433	$244
Leaving scene of an accident/hit and run	$1438	$239
DUI	$1442	$246

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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 Beaver Dam 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 Beaver Dam.

The cheapest car insurance premiums in Beaver Dam are offered by Western National at $131 for a six-month policy. However, it can be as expensive as $1270 with companies like Allstate.

Beaver Dam car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$131	$22
Chubb	$209	$35
Travelers	$246	$41
West Bend	$293	$48
Kemper	$298	$51
USAA	$549	$92
Erie	$569	$96
American Family	$649	$109
Progressive	$779	$131
State Farm	$836	$141
Farmers	$1218	$207
Acuity	$1228	$205
Allstate	$1270	$214

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 Beaver Dam are offered by Western National at $131. However, it can be as expensive as $1181 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Beaver Dam after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$131	$22
AAA	$167	$28
Auto-Owners Insurance Co	$183	$31
Travelers	$204	$34
Chubb	$209	$35
West Bend Mutual	$240	$40
Erie	$371	$62
State Farm	$434	$73
American Family	$439	$74
Acuity	$523	$88
Progressive	$690	$116
Allstate	$1181	$201

Car Insurance Price Trends in Beaver Dam, Wisconsin

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

The average cost of full coverage in the Beaver Dam rose by $110 in December compared to $107 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 Beaver Dam rose to $30 in December, compared to $28 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 Beaver Dam?

The car insurance in Beaver Dam is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Beaver Dam?

The cheapest car insurance in Beaver Dam is $41 per month for full coverage.

How much is car insurance in Beaver Dam for teenagers?

Car insurance for teenagers costs $172 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 Beaver Dam?

The average cost of car insurance is $677 for a six-month policy. It will cost around $100 per month to insure your car in Beaver Dam.

Is car insurance expensive in Beaver Dam?

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

Cheapest Car Insurance Quotes in Beaver Dam

Why you can trust Way?

How Much Is Car Insurance in Beaver Dam

Avg. Car Insurance in Beaver Dam

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Beaver Dam

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Beaver Dam Car Insurance Rates by Company

Cheap Car Insurance Companies in Beaver Dam, WI

Way's key takeaways about car insurance in Beaver Dam

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Beaver Dam

Cheapest Liability Coverage in Beaver Dam, WI

Cheapest Full Coverage Car Insurance in Beaver Dam

Cheapest Full Coverage Car Insurance Quotes in Beaver Dam, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Beaver Dam by Rating Factor

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

Car Insurance Premiums by Age in Beaver Dam

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Beaver Dam,WI

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

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 Beaver Dam

Cheapest Car Insurance Companies after an At-Fault Accident in Beaver Dam

Beaver Dam Car Insurance Rates by Violation

Beaver Dam auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Beaver Dam after a DUI

Beaver Dam car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Beaver Dam after Speeding ticket

Car Insurance Price Trends in Beaver Dam, Wisconsin

Average Car Insurance Cost in Beaver Dam by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Beaver Dam, WI

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

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