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Finding the cheapest car insurance quotes in Cushing shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cushing
The car insurance rate in Cushing 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 Cushing 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.
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 Cushing.
Cushing Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cushing, 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 Cushing drivers find the best deals.
Way's key takeaways about car insurance in Cushing
The auto insurance costs in Cushing fall around $318 for six
months.
The cheapest auto insurance company in Cushing is AAA.
Teen drivers pay the highest rate in Cushing at $728 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cushing
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 Cushing are given below.
AAA provides
the cheapest minimum car insurance
coverage in Cushing. Their Average 6 Month Premium is $136.
Secura is the most
expensive at $182 for the same
period.
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 Cushing is AAA
at $54 per month and $318
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cushing,
WI
Get Your Car Insurance Quote in Cushing
Instantly!
Average Car Insurance in Cushing 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 Cushing, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cushing, 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, Cushing's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cushing
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
Cushing,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Cushing at $38
per
month. At $4367 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Cushing.
As young drivers face the highest rates in Cushing, 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 Cushing,
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
Cushing is Allstate, offering
rates of around $2099 for six
months.
Save up to $971/yr on car insurance rates in Cushing.
Car Insurance Rates with An Accident in Cushing
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 Cushing, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cushing
The cheapest car insurance companies after an at-fault accident in
Cushing include Western National
and Rural Mutual, offering $170
and $196,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2059.
Here is a list of driving violations that can increase your car
insurance rates in Cushing WI. For example, the car
insurance in Cushing
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.
Cushing 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 Cushing 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 Cushing.
The cheapest car insurance premiums in
Cushing are
offered by Western National at $170 for a six-month policy.
However, it can be as
expensive as $1645 with companies
like Allstate.
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 Cushing 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 Cushing after Speeding ticket
Car insurance rates in Cushing have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cushing 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 Cushing rose to $39 in December,
compared to $36 in November.
This represents an increase of $3
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cushing. At $1543 for a
six-month policy, insuring
your car at 54006 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cushing?
The car insurance in Cushing is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Cushing?
The cheapest car insurance in Cushing
is $54 per month
for full coverage.
How much is car insurance in Cushing 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
Cushing?
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 Cushing.
Is car insurance expensive in Cushing?
Car insurance can be expensive in Cushing if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cushing can be
affordable.
What is the best car insurance in Cushing,
WI?
The best car insurance company in Cushing
WI is
AAA, offering $318 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cushing, WI
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Cushing Car Insurance
