Cheapest Car Insurance Quotes in Brown Deer

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Brown Deer Car Insurance

^$ 28

/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 Brown Deer

The car insurance rate in Brown Deer is $948 for a six-month policy, which is $271 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $391, making it a popular choice for budget-conscious drivers. Rates in Brown Deer 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 Brown Deer

$948

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Brown Deer

1st place: AAA

At $391 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 $582 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 $640 for six months, making it the third cheapest auto insurance company in Brown Deer.

Brown Deer Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brown Deer, WI is AAA, offering policies at just $391 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $582.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1064 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brown Deer drivers find the best deals.

Cheap Car Insurance Companies in Brown Deer, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$391	$66
West Bend Mutual	$582	$97
IMT Insurance Company	$640	$109
Auto-Owners Insurance Co	$648	$108
Chubb	$665	$113
Acuity	$715	$120
American Family	$724	$122
Travelers	$741	$125
Erie	$865	$146
USAA	$1007	$169
Rockford Mutual	$1056	$179
Nationwide	$1140	$192
Rural Mutual	$1173	$199
State Farm	$1173	$197
Progressive	$1372	$231
Farmers	$1463	$244
Allstate	$1697	$286
Secura	$899	$150
Hastings Mutual	$1064	$181

Key Takeaways

Way's key takeaways about car insurance in Brown Deer

The auto insurance costs in Brown Deer fall around $391 for six months.
The cheapest auto insurance company in Brown Deer is AAA.
Teen drivers pay the highest rate in Brown Deer at $895 per month.

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Cheapest Minimum Liability Car Insurance in Brown Deer

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 Brown Deer are given below.

AAA provides the cheapest minimum car insurance coverage in Brown Deer. Their Average 6 Month Premium is $167. Secura is the most expensive at $224 for the same period.

Cheapest Liability Coverage in Brown Deer, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$167	$28
Rural Mutual	$183	$31
Western National	$200	$34
Erie	$224	$38
USAA	$241	$41
West Bend Mutual	$249	$42
Auto-Owners Insurance Co	$258	$43
Acuity	$266	$45
American Family	$274	$46
Travelers	$274	$46
Progressive	$283	$48
Chubb	$291	$49
State Farm	$316	$53
Farmers	$490	$84
Allstate	$648	$109
Secura	$224	$38

Cheapest Full Coverage Car Insurance in Brown Deer

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 Brown Deer is AAA at $66 per month and $391 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brown Deer, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$391	$66
West Bend Mutual	$582	$97
IMT Insurance Company	$640	$109
Auto-Owners Insurance Co	$648	$108
Chubb	$665	$113
Acuity	$715	$120
American Family	$724	$122
Travelers	$741	$125
Erie	$865	$146
USAA	$1007	$169
Rockford Mutual	$1056	$179
Nationwide	$1140	$192
Rural Mutual	$1173	$199
State Farm	$1173	$197
Progressive	$1372	$231
Farmers	$1463	$244
Allstate	$1697	$286
Secura	$899	$150
Hastings Mutual	$1064	$181

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Average Car Insurance in Brown Deer 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 Brown Deer, WI increasing?

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

Car Insurance Premiums by Age in Brown Deer

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	$671
30s	USAA	$539
40s	USAA	$489
50s	USAA	$463
60s	USAA	$483
70s	USAA	$595

Cheapest Car Insurance Rates for Teen Drivers in Brown Deer,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Brown Deer at $46 per month. At $5363 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$274	$46
Travelers	$283	$48
Auto-Owners Insurance Co	$325	$55
Western National	$325	$55
West Bend Mutual	$365	$62
USAA	$1205	$203
Erie	$1239	$209
American Family	$1497	$252
Acuity	$2279	$384
State Farm	$2628	$442
Progressive	$3793	$638
Allstate	$4998	$841
Farmers	$5363	$895

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 Brown Deer.

As young drivers face the highest rates in Brown Deer, USAA offers the cheapest auto insurance rates at $671 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 Brown Deer, Western National is the cheapest car insurance provider. At $209 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 Brown Deer is Allstate, offering rates of around $2577 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$209	$35
AAA	$232	$39
West Bend Mutual	$300	$50
Chubb	$333	$56
IMT Insurance Company	$333	$56
Travelers	$391	$66
Acuity	$823	$139
American Family	$948	$160
State Farm	$1015	$169
Erie	$1098	$185
Progressive	$1281	$216
Allstate	$2577	$438

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

Car Insurance Rates with An Accident in Brown Deer

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

Cheapest Car Insurance Companies after an At-Fault Accident in Brown Deer

The cheapest car insurance companies after an at-fault accident in Brown Deer include Western National and Rural Mutual, offering $209 and $241, respectively. Allstate is an expensive provider with an average six-month premium of $2528.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$209	$35
Rural Mutual	$241	$41
Auto-Owners Insurance Co	$316	$53
AAA	$325	$55
Chubb	$333	$56
Travelers	$333	$56
West Bend	$349	$59
West Bend Mutual	$416	$71
Auto-Owners	$433	$71
Erie	$665	$112
USAA	$665	$112
American Family	$1007	$169
Acuity	$1056	$178
State Farm	$1064	$179
Farmers	$2012	$336
Progressive	$2237	$377
Allstate	$2528	$426

Brown Deer Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brown Deer WI. For example, the car insurance in Brown Deer after a DUI increases to $1106 for a six month policy. While the rate increases by $242 for a six-month policy in the case of a speeding ticket.

Brown Deer auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1189	$199
One Med/PIP claim	$1197	$203
Not-at-fault accident	$1247	$209
One comp claim	$1264	$216
Two Med/PIP claims	$1281	$213
Failure to show documents	$1298	$221
Driving with expired registration	$1330	$221
Failure to wear a seat belt	$1338	$228
Two comp claims	$1364	$227
Driving without lights	$1414	$241
Child safety restraint	$1422	$237
Speeding 6 - 10 MPH over limit	$1431	$244
At-fault accident - less than $1000	$1448	$241
Cell phone violation	$1456	$248
Driving too slowly	$1463	$244
Failure to yield	$1463	$249
Speeding in school zone	$1463	$244
Illegal turn	$1471	$251
Speeding 11 - 15 MPH over limit	$1471	$245
Speeding 16 - 20 MPH over limit	$1471	$251
Texting while driving	$1471	$245
Wrong way/wrong lane	$1471	$251
Failure to stop at a red light	$1488	$248
Following too closely	$1488	$253
Improper passing	$1530	$255
Passing school bus	$1555	$265
In 65 MPH zone	$1638	$273
At-fault accident - $1000-$2000	$1705	$290
Speeding 21 - 25 MPH over limit	$1705	$284
Operating a vehicle without permission	$1714	$291
At-fault accident - greater than $2000	$1722	$287
Open container	$1737	$295
Reckless driving	$2246	$374
Racing	$2254	$384
Refusal to submit to a chemical test	$2271	$378
Driving with a suspended license	$2279	$388
Leaving scene of an accident/hit and run	$2288	$381
DUI	$2295	$391

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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 Brown Deer 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 Brown Deer.

The cheapest car insurance premiums in Brown Deer are offered by Western National at $209 for a six-month policy. However, it can be as expensive as $2020 with companies like Allstate.

Brown Deer car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$209	$35
Chubb	$333	$56
Travelers	$391	$66
West Bend	$466	$77
Kemper	$475	$81
USAA	$874	$147
Erie	$906	$153
American Family	$1032	$174
Progressive	$1239	$209
State Farm	$1330	$224
Farmers	$1938	$329
Acuity	$1954	$326
Allstate	$2020	$340

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 Brown Deer are offered by Western National at $209. However, it can be as expensive as $1879 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Brown Deer after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$209	$35
AAA	$266	$45
Auto-Owners Insurance Co	$291	$49
Travelers	$325	$55
Chubb	$333	$56
West Bend Mutual	$382	$64
Erie	$591	$99
State Farm	$690	$116
American Family	$699	$118
Acuity	$832	$140
Progressive	$1098	$185
Allstate	$1879	$319

Car Insurance Price Trends in Brown Deer, Wisconsin

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

The average cost of full coverage in the Brown Deer rose by $175 in December compared to $171 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 Brown Deer rose to $48 in December, compared to $45 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 Brown Deer?

The car insurance in Brown Deer is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Brown Deer?

The cheapest car insurance in Brown Deer is $66 per month for full coverage.

How much is car insurance in Brown Deer for teenagers?

Car insurance for teenagers costs $274 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 Brown Deer?

The average cost of car insurance is $677 for a six-month policy. It will cost around $160 per month to insure your car in Brown Deer.

Is car insurance expensive in Brown Deer?

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

Cheapest Car Insurance Quotes in Brown Deer

Why you can trust Way?

How Much Is Car Insurance in Brown Deer

Avg. Car Insurance in Brown Deer

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Brown Deer

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Brown Deer Car Insurance Rates by Company

Cheap Car Insurance Companies in Brown Deer, WI

Way's key takeaways about car insurance in Brown Deer

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brown Deer

Cheapest Liability Coverage in Brown Deer, WI

Cheapest Full Coverage Car Insurance in Brown Deer

Cheapest Full Coverage Car Insurance Quotes in Brown Deer, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brown Deer by Rating Factor

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

Car Insurance Premiums by Age in Brown Deer

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brown Deer,WI

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

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 Brown Deer

Cheapest Car Insurance Companies after an At-Fault Accident in Brown Deer

Brown Deer Car Insurance Rates by Violation

Brown Deer auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brown Deer after a DUI

Brown Deer car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brown Deer after Speeding ticket

Car Insurance Price Trends in Brown Deer, Wisconsin

Average Car Insurance Cost in Brown Deer by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brown Deer, WI

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

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