Cheapest Car Insurance Quotes in Couderay

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Couderay Car Insurance

^$ 24

/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 Couderay

The car insurance rate in Couderay is $887 for a six-month policy, which is $142 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $332, making it a popular choice for budget-conscious drivers. Rates in Couderay 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 Couderay

$887

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Couderay

1st place: AAA

At $332 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 $495 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 $544 for six months, making it the third cheapest auto insurance company in Couderay.

Couderay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Couderay, WI is AAA, offering policies at just $332 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $495.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $904 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Couderay drivers find the best deals.

Cheap Car Insurance Companies in Couderay, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$332	$56
West Bend Mutual	$495	$82
IMT Insurance Company	$544	$93
Auto-Owners Insurance Co	$551	$92
Chubb	$565	$96
Travelers	$630	$106
American Family	$637	$107
Erie	$777	$131
USAA	$827	$139
Acuity	$848	$143
Rockford Mutual	$897	$152
Nationwide	$969	$163
Rural Mutual	$997	$169
Auto-Owners	$1131	$188
West Bend	$1145	$195
State Farm	$1209	$203
Farmers	$1244	$212
Allstate	$1491	$251
Progressive	$1676	$282
Secura	$764	$127
Hastings Mutual	$904	$154

Key Takeaways

Way's key takeaways about car insurance in Couderay

The auto insurance costs in Couderay fall around $332 for six months.
The cheapest auto insurance company in Couderay is AAA.
Teen drivers pay the highest rate in Couderay at $771 per month.

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Cheapest Minimum Liability Car Insurance in Couderay

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 Couderay are given below.

AAA provides the cheapest minimum car insurance coverage in Couderay. Their Average 6 Month Premium is $142. Secura is the most expensive at $190 for the same period.

Cheapest Liability Coverage in Couderay, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$142	$24
Rural Mutual	$156	$26
Western National	$170	$29
Erie	$190	$32
USAA	$198	$33
West Bend Mutual	$212	$36
Auto-Owners Insurance Co	$219	$37
Travelers	$233	$39
Acuity	$240	$40
American Family	$240	$40
Chubb	$248	$42
Auto-Owners	$269	$45
Progressive	$283	$48
State Farm	$296	$50
West Bend	$332	$56
Farmers	$417	$71
Allstate	$544	$92
Secura	$190	$32

Cheapest Full Coverage Car Insurance in Couderay

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 Couderay is AAA at $56 per month and $332 for six months.

Cheapest Full Coverage Car Insurance Quotes in Couderay, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$332	$56
West Bend Mutual	$495	$82
IMT Insurance Company	$544	$93
Auto-Owners Insurance Co	$551	$92
Chubb	$565	$96
Travelers	$630	$106
American Family	$637	$107
Erie	$777	$131
USAA	$827	$139
Acuity	$848	$143
Rockford Mutual	$897	$152
Nationwide	$969	$163
Rural Mutual	$997	$169
Auto-Owners	$1131	$188
West Bend	$1145	$195
State Farm	$1209	$203
Farmers	$1244	$212
Allstate	$1491	$251
Progressive	$1676	$282
Secura	$764	$127
Hastings Mutual	$904	$154

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Average Car Insurance in Couderay 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 Couderay, WI increasing?

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

Car Insurance Premiums by Age in Couderay

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	$588
30s	USAA	$472
40s	USAA	$428
50s	USAA	$407
60s	USAA	$422
70s	USAA	$521

Cheapest Car Insurance Rates for Teen Drivers in Couderay,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Couderay at $39 per month. At $4580 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$233	$39
Travelers	$240	$40
Auto-Owners Insurance Co	$276	$46
Western National	$276	$46
West Bend Mutual	$311	$52
Erie	$1159	$195
USAA	$1223	$206
American Family	$1322	$223
West Bend	$2171	$369
State Farm	$2644	$445
Auto-Owners	$2714	$462
Acuity	$2926	$493
Allstate	$4354	$733
Farmers	$4559	$760
Progressive	$4580	$771

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 Couderay.

As young drivers face the highest rates in Couderay, USAA offers the cheapest auto insurance rates at $588 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 Couderay, Western National is the cheapest car insurance provider. At $177 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 Couderay is AutoOwners, offering rates of around $4150 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$177	$30
AAA	$198	$33
West Bend Mutual	$255	$43
Chubb	$283	$48
IMT Insurance Company	$283	$48
Travelers	$332	$56
American Family	$856	$144
Acuity	$1060	$179
Erie	$1138	$192
State Farm	$1286	$214
USAA	$1449	$246
West Bend	$1676	$280
Progressive	$1916	$322
Allstate	$2354	$393
Auto-Owners	$4150	$706

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Couderay

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

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

The cheapest car insurance companies after an at-fault accident in Couderay include Western National and Rural Mutual, offering $177 and $205, respectively. Progressive is an expensive provider with an average six-month premium of $2799.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$177	$30
Rural Mutual	$205	$35
Auto-Owners Insurance Co	$269	$45
AAA	$276	$46
Chubb	$283	$48
Travelers	$283	$48
West Bend Mutual	$353	$60
West Bend	$601	$101
Erie	$630	$106
USAA	$721	$121
Auto-Owners	$820	$138
American Family	$890	$150
State Farm	$1067	$180
Acuity	$1301	$219
Farmers	$1710	$286
Allstate	$2234	$376
Progressive	$2799	$471

Couderay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Couderay WI. For example, the car insurance in Couderay after a DUI increases to $940 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Couderay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1010	$169
One Med/PIP claim	$1017	$173
Not-at-fault accident	$1060	$177
One comp claim	$1075	$183
Two Med/PIP claims	$1089	$181
Failure to show documents	$1103	$188
Driving with expired registration	$1131	$188
Failure to wear a seat belt	$1138	$194
Two comp claims	$1159	$193
Driving without lights	$1202	$205
Child safety restraint	$1209	$201
Speeding 6 - 10 MPH over limit	$1216	$207
At-fault accident - less than $1000	$1230	$205
Cell phone violation	$1238	$211
Driving too slowly	$1244	$207
Failure to yield	$1244	$212
Speeding in school zone	$1244	$207
Illegal turn	$1251	$213
Speeding 11 - 15 MPH over limit	$1251	$208
Speeding 16 - 20 MPH over limit	$1251	$213
Texting while driving	$1251	$208
Wrong way/wrong lane	$1251	$213
Failure to stop at a red light	$1265	$211
Following too closely	$1265	$215
Improper passing	$1301	$217
Passing school bus	$1322	$225
In 65 MPH zone	$1392	$232
At-fault accident - $1000-$2000	$1449	$246
Speeding 21 - 25 MPH over limit	$1449	$242
Operating a vehicle without permission	$1457	$248
At-fault accident - greater than $2000	$1464	$244
Open container	$1477	$251
Reckless driving	$1909	$318
Racing	$1916	$326
Refusal to submit to a chemical test	$1930	$321
Driving with a suspended license	$1937	$330
Leaving scene of an accident/hit and run	$1944	$324
DUI	$1950	$332

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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 Couderay 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 Couderay.

The cheapest car insurance premiums in Couderay are offered by Western National at $177 for a six-month policy. However, it can be as expensive as $2601 with companies like Acuity.

Couderay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$177	$30
Chubb	$283	$48
Travelers	$332	$56
Kemper	$403	$67
West Bend	$827	$139
Erie	$877	$148
American Family	$912	$154
USAA	$947	$159
State Farm	$1385	$233
Progressive	$1534	$258
Farmers	$1647	$280
Allstate	$1789	$301
Auto-Owners	$1859	$317
Acuity	$2601	$433

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 Couderay are offered by Western National at $177. However, it can be as expensive as $1817 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Couderay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$177	$30
AAA	$226	$38
Auto-Owners Insurance Co	$248	$42
Travelers	$276	$46
Chubb	$283	$48
West Bend Mutual	$325	$55
Erie	$601	$101
American Family	$630	$106
State Farm	$813	$137
USAA	$863	$146
Acuity	$1039	$175
Auto-Owners	$1131	$193
West Bend	$1294	$215
Allstate	$1717	$292
Progressive	$1817	$306

Car Insurance Price Trends in Couderay, Wisconsin

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

The average cost of full coverage in the Couderay rose by $187 in January compared to $149 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Couderay rose to $42 in January, compared to $40 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Couderay?

The car insurance in Couderay is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Couderay?

The cheapest car insurance in Couderay is $56 per month for full coverage.

How much is car insurance in Couderay for teenagers?

Car insurance for teenagers costs $233 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 Couderay?

The average cost of car insurance is $745 for a six-month policy. It will cost around $149 per month to insure your car in Couderay.

Is car insurance expensive in Couderay?

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

Cheapest Car Insurance Quotes in Couderay

Why you can trust Way?

How Much Is Car Insurance in Couderay

Avg. Car Insurance in Couderay

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Couderay

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Couderay Car Insurance Rates by Company

Cheap Car Insurance Companies in Couderay, WI

Way's key takeaways about car insurance in Couderay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Couderay

Cheapest Liability Coverage in Couderay, WI

Cheapest Full Coverage Car Insurance in Couderay

Cheapest Full Coverage Car Insurance Quotes in Couderay, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Couderay by Rating Factor

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

Car Insurance Premiums by Age in Couderay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Couderay,WI

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

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 Couderay

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

Couderay Car Insurance Rates by Violation

Couderay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Couderay after a DUI

Couderay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Couderay after Speeding ticket

Car Insurance Price Trends in Couderay, Wisconsin

Average Car Insurance Cost in Couderay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Couderay, WI

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

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