Cheapest Car Insurance Quotes in Durand

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Durand Car Insurance

^$ 22

/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 Durand

The car insurance rate in Durand is $758 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Durand 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 Durand

$758

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Durand

1st place: AAA

At $312 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 $466 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 $512 for six months, making it the third cheapest auto insurance company in Durand.

Durand Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Durand, WI is AAA, offering policies at just $312 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $466.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $851 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Durand drivers find the best deals.

Cheap Car Insurance Companies in Durand, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$312	$53
West Bend Mutual	$466	$77
IMT Insurance Company	$512	$87
Auto-Owners Insurance Co	$519	$86
Chubb	$532	$91
Acuity	$572	$96
American Family	$579	$97
Travelers	$592	$100
Erie	$692	$116
USAA	$805	$136
Rockford Mutual	$844	$143
Nationwide	$912	$153
Rural Mutual	$939	$159
State Farm	$939	$158
Progressive	$1098	$185
Farmers	$1170	$195
Allstate	$1357	$228
Secura	$719	$120
Hastings Mutual	$851	$144

Key Takeaways

Way's key takeaways about car insurance in Durand

The auto insurance costs in Durand fall around $312 for six months.
The cheapest auto insurance company in Durand is AAA.
Teen drivers pay the highest rate in Durand at $716 per month.

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Cheapest Minimum Liability Car Insurance in Durand

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 Durand are given below.

AAA provides the cheapest minimum car insurance coverage in Durand. Their Average 6 Month Premium is $133. Secura is the most expensive at $179 for the same period.

Cheapest Liability Coverage in Durand, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$133	$22
Rural Mutual	$147	$25
Western National	$160	$27
Erie	$179	$30
USAA	$193	$32
West Bend Mutual	$199	$34
Auto-Owners Insurance Co	$206	$35
Acuity	$213	$36
American Family	$220	$37
Travelers	$220	$37
Progressive	$226	$38
Chubb	$233	$39
State Farm	$253	$43
Farmers	$392	$67
Allstate	$519	$87
Secura	$179	$30

Cheapest Full Coverage Car Insurance in Durand

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 Durand is AAA at $53 per month and $312 for six months.

Cheapest Full Coverage Car Insurance Quotes in Durand, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$312	$53
West Bend Mutual	$466	$77
IMT Insurance Company	$512	$87
Auto-Owners Insurance Co	$519	$86
Chubb	$532	$91
Acuity	$572	$96
American Family	$579	$97
Travelers	$592	$100
Erie	$692	$116
USAA	$805	$136
Rockford Mutual	$844	$143
Nationwide	$912	$153
Rural Mutual	$939	$159
State Farm	$939	$158
Progressive	$1098	$185
Farmers	$1170	$195
Allstate	$1357	$228
Secura	$719	$120
Hastings Mutual	$851	$144

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Average Car Insurance in Durand 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 Durand, WI increasing?

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

Car Insurance Premiums by Age in Durand

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	$536
30s	USAA	$431
40s	USAA	$391
50s	USAA	$371
60s	USAA	$386
70s	USAA	$476

Cheapest Car Insurance Rates for Teen Drivers in Durand,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Durand at $37 per month. At $4291 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$220	$37
Travelers	$226	$38
Auto-Owners Insurance Co	$260	$44
Western National	$260	$44
West Bend Mutual	$292	$49
USAA	$964	$162
Erie	$991	$167
American Family	$1197	$202
Acuity	$1823	$307
State Farm	$2102	$354
Progressive	$3034	$511
Allstate	$3998	$673
Farmers	$4291	$716

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 Durand.

As young drivers face the highest rates in Durand, USAA offers the cheapest auto insurance rates at $536 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 Durand, Western National is the cheapest car insurance provider. At $167 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 Durand is Allstate, offering rates of around $2062 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$167	$28
AAA	$186	$31
West Bend Mutual	$240	$40
Chubb	$267	$45
IMT Insurance Company	$267	$45
Travelers	$312	$53
Acuity	$659	$111
American Family	$758	$128
State Farm	$812	$136
Erie	$878	$148
Progressive	$1025	$172
Allstate	$2062	$351

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Car Insurance Rates with An Accident in Durand

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

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

The cheapest car insurance companies after an at-fault accident in Durand include Western National and Rural Mutual, offering $167 and $193, respectively. Allstate is an expensive provider with an average six-month premium of $2023.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$167	$28
Rural Mutual	$193	$32
Auto-Owners Insurance Co	$253	$43
AAA	$260	$44
Chubb	$267	$45
Travelers	$267	$45
West Bend	$279	$47
West Bend Mutual	$333	$57
Auto-Owners	$346	$57
Erie	$532	$90
USAA	$532	$90
American Family	$805	$136
Acuity	$844	$142
State Farm	$851	$143
Farmers	$1609	$269
Progressive	$1790	$301
Allstate	$2023	$340

Durand Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Durand WI. For example, the car insurance in Durand after a DUI increases to $885 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Durand auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$951	$159
One Med/PIP claim	$958	$162
Not-at-fault accident	$998	$167
One comp claim	$1011	$172
Two Med/PIP claims	$1025	$170
Failure to show documents	$1038	$177
Driving with expired registration	$1064	$177
Failure to wear a seat belt	$1071	$183
Two comp claims	$1091	$181
Driving without lights	$1131	$193
Child safety restraint	$1138	$189
Speeding 6 - 10 MPH over limit	$1145	$195
At-fault accident - less than $1000	$1158	$193
Cell phone violation	$1165	$198
Driving too slowly	$1170	$195
Failure to yield	$1170	$199
Speeding in school zone	$1170	$195
Illegal turn	$1177	$200
Speeding 11 - 15 MPH over limit	$1177	$196
Speeding 16 - 20 MPH over limit	$1177	$200
Texting while driving	$1177	$196
Wrong way/wrong lane	$1177	$200
Failure to stop at a red light	$1191	$198
Following too closely	$1191	$203
Improper passing	$1224	$204
Passing school bus	$1244	$212
In 65 MPH zone	$1310	$218
At-fault accident - $1000-$2000	$1364	$232
Speeding 21 - 25 MPH over limit	$1364	$227
Operating a vehicle without permission	$1371	$233
At-fault accident - greater than $2000	$1378	$230
Open container	$1390	$236
Reckless driving	$1796	$299
Racing	$1803	$307
Refusal to submit to a chemical test	$1817	$302
Driving with a suspended license	$1823	$310
Leaving scene of an accident/hit and run	$1830	$305
DUI	$1836	$312

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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 Durand 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 Durand.

The cheapest car insurance premiums in Durand are offered by Western National at $167 for a six-month policy. However, it can be as expensive as $1616 with companies like Allstate.

Durand car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$167	$28
Chubb	$267	$45
Travelers	$312	$53
West Bend	$373	$62
Kemper	$380	$65
USAA	$699	$118
Erie	$725	$122
American Family	$825	$139
Progressive	$991	$167
State Farm	$1064	$179
Farmers	$1550	$263
Acuity	$1564	$261
Allstate	$1616	$272

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 Durand are offered by Western National at $167. However, it can be as expensive as $1503 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Durand after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$167	$28
AAA	$213	$36
Auto-Owners Insurance Co	$233	$39
Travelers	$260	$44
Chubb	$267	$45
West Bend Mutual	$306	$52
Erie	$473	$80
State Farm	$552	$93
American Family	$559	$94
Acuity	$665	$112
Progressive	$878	$148
Allstate	$1503	$255

Car Insurance Price Trends in Durand, Wisconsin

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

The average cost of full coverage in the Durand rose by $140 in December compared to $137 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 Durand rose to $38 in December, compared to $36 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 Durand?

The car insurance in Durand is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Durand?

The cheapest car insurance in Durand is $53 per month for full coverage.

How much is car insurance in Durand for teenagers?

Car insurance for teenagers costs $220 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 Durand?

The average cost of car insurance is $677 for a six-month policy. It will cost around $128 per month to insure your car in Durand.

Is car insurance expensive in Durand?

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

Cheapest Car Insurance Quotes in Durand

Why you can trust Way?

How Much Is Car Insurance in Durand

Avg. Car Insurance in Durand

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Durand

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Durand Car Insurance Rates by Company

Cheap Car Insurance Companies in Durand, WI

Way's key takeaways about car insurance in Durand

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Durand

Cheapest Liability Coverage in Durand, WI

Cheapest Full Coverage Car Insurance in Durand

Cheapest Full Coverage Car Insurance Quotes in Durand, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Durand by Rating Factor

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

Car Insurance Premiums by Age in Durand

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Durand,WI

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

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 Durand

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

Durand Car Insurance Rates by Violation

Durand auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Durand after a DUI

Durand car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Durand after Speeding ticket

Car Insurance Price Trends in Durand, Wisconsin

Average Car Insurance Cost in Durand by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Durand, WI

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

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