Cheapest Car Insurance Quotes in Butler

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Butler 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 Butler

The car insurance rate in Butler is $704 for a six-month policy, which is $27 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $290, making it a popular choice for budget-conscious drivers. Rates in Butler 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 Butler

$704

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Butler

1st place: AAA

At $290 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 $433 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 $475 for six months, making it the third cheapest auto insurance company in Butler.

Butler Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Butler, WI is AAA, offering policies at just $290 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $433.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $790 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Butler drivers find the best deals.

Cheap Car Insurance Companies in Butler, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$290	$49
West Bend Mutual	$433	$72
IMT Insurance Company	$475	$81
Auto-Owners Insurance Co	$482	$80
Chubb	$494	$84
Acuity	$531	$89
American Family	$538	$90
Travelers	$550	$93
Erie	$643	$108
USAA	$748	$126
Rockford Mutual	$784	$133
Nationwide	$847	$142
Rural Mutual	$872	$148
State Farm	$872	$147
Progressive	$1019	$172
Farmers	$1087	$181
Allstate	$1260	$212
Secura	$668	$111
Hastings Mutual	$790	$134

Key Takeaways

Way's key takeaways about car insurance in Butler

The auto insurance costs in Butler fall around $290 for six months.
The cheapest auto insurance company in Butler is AAA.
Teen drivers pay the highest rate in Butler at $665 per month.

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Cheapest Minimum Liability Car Insurance in Butler

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 Butler are given below.

AAA provides the cheapest minimum car insurance coverage in Butler. Their Average 6 Month Premium is $124. Secura is the most expensive at $166 for the same period.

Cheapest Liability Coverage in Butler, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$124	$21
Rural Mutual	$136	$23
Western National	$149	$25
Erie	$166	$28
USAA	$179	$30
West Bend Mutual	$185	$31
Auto-Owners Insurance Co	$191	$32
Acuity	$198	$33
American Family	$204	$34
Travelers	$204	$34
Progressive	$210	$35
Chubb	$216	$36
State Farm	$235	$40
Farmers	$364	$62
Allstate	$482	$81
Secura	$166	$28

Cheapest Full Coverage Car Insurance in Butler

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 Butler is AAA at $49 per month and $290 for six months.

Cheapest Full Coverage Car Insurance Quotes in Butler, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$290	$49
West Bend Mutual	$433	$72
IMT Insurance Company	$475	$81
Auto-Owners Insurance Co	$482	$80
Chubb	$494	$84
Acuity	$531	$89
American Family	$538	$90
Travelers	$550	$93
Erie	$643	$108
USAA	$748	$126
Rockford Mutual	$784	$133
Nationwide	$847	$142
Rural Mutual	$872	$148
State Farm	$872	$147
Progressive	$1019	$172
Farmers	$1087	$181
Allstate	$1260	$212
Secura	$668	$111
Hastings Mutual	$790	$134

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Average Car Insurance in Butler 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 Butler, WI increasing?

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

Car Insurance Premiums by Age in Butler

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	$498
30s	USAA	$400
40s	USAA	$363
50s	USAA	$344
60s	USAA	$359
70s	USAA	$442

Cheapest Car Insurance Rates for Teen Drivers in Butler,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Butler at $34 per month. At $3984 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$204	$34
Travelers	$210	$35
Auto-Owners Insurance Co	$241	$41
Western National	$241	$41
West Bend Mutual	$271	$46
USAA	$895	$151
Erie	$920	$155
American Family	$1112	$187
Acuity	$1693	$285
State Farm	$1952	$329
Progressive	$2817	$474
Allstate	$3713	$625
Farmers	$3984	$665

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 Butler.

As young drivers face the highest rates in Butler, USAA offers the cheapest auto insurance rates at $498 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 Butler, Western National is the cheapest car insurance provider. At $155 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 Butler is Allstate, offering rates of around $1915 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$155	$26
AAA	$173	$29
West Bend Mutual	$223	$37
Chubb	$248	$42
IMT Insurance Company	$248	$42
Travelers	$290	$49
Acuity	$612	$103
American Family	$704	$119
State Farm	$754	$126
Erie	$815	$137
Progressive	$952	$160
Allstate	$1915	$326

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Car Insurance Rates with An Accident in Butler

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

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

The cheapest car insurance companies after an at-fault accident in Butler include Western National and Rural Mutual, offering $155 and $179, respectively. Allstate is an expensive provider with an average six-month premium of $1878.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$155	$26
Rural Mutual	$179	$30
Auto-Owners Insurance Co	$235	$40
AAA	$241	$41
Chubb	$248	$42
Travelers	$248	$42
West Bend	$259	$44
West Bend Mutual	$309	$53
Auto-Owners	$321	$53
Erie	$494	$83
USAA	$494	$83
American Family	$748	$126
Acuity	$784	$132
State Farm	$790	$133
Farmers	$1494	$250
Progressive	$1662	$280
Allstate	$1878	$316

Butler Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Butler WI. For example, the car insurance in Butler after a DUI increases to $822 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Butler auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$883	$148
One Med/PIP claim	$889	$151
Not-at-fault accident	$927	$155
One comp claim	$939	$160
Two Med/PIP claims	$952	$158
Failure to show documents	$964	$164
Driving with expired registration	$988	$164
Failure to wear a seat belt	$994	$170
Two comp claims	$1013	$168
Driving without lights	$1050	$179
Child safety restraint	$1057	$176
Speeding 6 - 10 MPH over limit	$1063	$181
At-fault accident - less than $1000	$1075	$179
Cell phone violation	$1082	$184
Driving too slowly	$1087	$181
Failure to yield	$1087	$185
Speeding in school zone	$1087	$181
Illegal turn	$1093	$186
Speeding 11 - 15 MPH over limit	$1093	$182
Speeding 16 - 20 MPH over limit	$1093	$186
Texting while driving	$1093	$182
Wrong way/wrong lane	$1093	$186
Failure to stop at a red light	$1106	$184
Following too closely	$1106	$188
Improper passing	$1137	$189
Passing school bus	$1155	$197
In 65 MPH zone	$1217	$203
At-fault accident - $1000-$2000	$1267	$215
Speeding 21 - 25 MPH over limit	$1267	$211
Operating a vehicle without permission	$1273	$216
At-fault accident - greater than $2000	$1279	$213
Open container	$1291	$219
Reckless driving	$1668	$278
Racing	$1674	$285
Refusal to submit to a chemical test	$1687	$281
Driving with a suspended license	$1693	$288
Leaving scene of an accident/hit and run	$1699	$283
DUI	$1705	$290

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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 Butler 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 Butler.

The cheapest car insurance premiums in Butler are offered by Western National at $155 for a six-month policy. However, it can be as expensive as $1501 with companies like Allstate.

Butler car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$155	$26
Chubb	$248	$42
Travelers	$290	$49
West Bend	$346	$57
Kemper	$353	$60
USAA	$649	$109
Erie	$673	$113
American Family	$766	$129
Progressive	$920	$155
State Farm	$988	$166
Farmers	$1439	$244
Acuity	$1452	$242
Allstate	$1501	$253

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 Butler are offered by Western National at $155. However, it can be as expensive as $1396 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Butler after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$155	$26
AAA	$198	$33
Auto-Owners Insurance Co	$216	$36
Travelers	$241	$41
Chubb	$248	$42
West Bend Mutual	$284	$48
Erie	$439	$74
State Farm	$513	$86
American Family	$519	$87
Acuity	$618	$104
Progressive	$815	$137
Allstate	$1396	$237

Car Insurance Price Trends in Butler, Wisconsin

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

The average cost of full coverage in the Butler rose by $130 in December compared to $127 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 Butler rose to $35 in December, compared to $33 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 Butler?

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

What is the cheapest car insurance in Butler?

The cheapest car insurance in Butler is $49 per month for full coverage.

How much is car insurance in Butler for teenagers?

Car insurance for teenagers costs $204 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 Butler?

The average cost of car insurance is $677 for a six-month policy. It will cost around $119 per month to insure your car in Butler.

Is car insurance expensive in Butler?

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

Cheapest Car Insurance Quotes in Butler

Why you can trust Way?

How Much Is Car Insurance in Butler

Avg. Car Insurance in Butler

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Butler

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Butler Car Insurance Rates by Company

Cheap Car Insurance Companies in Butler, WI

Way's key takeaways about car insurance in Butler

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Butler

Cheapest Liability Coverage in Butler, WI

Cheapest Full Coverage Car Insurance in Butler

Cheapest Full Coverage Car Insurance Quotes in Butler, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Butler by Rating Factor

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

Car Insurance Premiums by Age in Butler

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Butler,WI

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

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 Butler

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

Butler Car Insurance Rates by Violation

Butler auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Butler after a DUI

Butler car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Butler after Speeding ticket

Car Insurance Price Trends in Butler, Wisconsin

Average Car Insurance Cost in Butler by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Butler, WI

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

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