Cheapest Car Insurance Quotes in Eagle River

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Eagle River 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 Eagle River

The car insurance rate in Eagle River is $718 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $296, making it a popular choice for budget-conscious drivers. Rates in Eagle River 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 Eagle River

$718

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Eagle River

1st place: AAA

At $296 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 $441 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 $484 for six months, making it the third cheapest auto insurance company in Eagle River.

Eagle River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Eagle River, WI is AAA, offering policies at just $296 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $441.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $806 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eagle River drivers find the best deals.

Cheap Car Insurance Companies in Eagle River, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$296	$50
West Bend Mutual	$441	$73
IMT Insurance Company	$484	$83
Auto-Owners Insurance Co	$491	$82
Chubb	$504	$86
Acuity	$542	$91
American Family	$548	$92
Travelers	$561	$94
Erie	$655	$110
USAA	$762	$128
Rockford Mutual	$799	$136
Nationwide	$863	$145
Rural Mutual	$888	$151
State Farm	$888	$149
Progressive	$1039	$175
Farmers	$1108	$184
Allstate	$1285	$216
Secura	$681	$113
Hastings Mutual	$806	$137

Key Takeaways

Way's key takeaways about car insurance in Eagle River

The auto insurance costs in Eagle River fall around $296 for six months.
The cheapest auto insurance company in Eagle River is AAA.
Teen drivers pay the highest rate in Eagle River at $677 per month.

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Cheapest Minimum Liability Car Insurance in Eagle River

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 Eagle River are given below.

AAA provides the cheapest minimum car insurance coverage in Eagle River. Their Average 6 Month Premium is $126. Secura is the most expensive at $170 for the same period.

Cheapest Liability Coverage in Eagle River, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$126	$21
Rural Mutual	$139	$23
Western National	$152	$25
Erie	$170	$29
USAA	$182	$31
West Bend Mutual	$189	$32
Auto-Owners Insurance Co	$195	$33
Acuity	$201	$34
American Family	$208	$35
Travelers	$208	$35
Progressive	$214	$36
Chubb	$220	$37
State Farm	$240	$40
Farmers	$371	$64
Allstate	$491	$83
Secura	$170	$29

Cheapest Full Coverage Car Insurance in Eagle River

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 Eagle River is AAA at $50 per month and $296 for six months.

Cheapest Full Coverage Car Insurance Quotes in Eagle River, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$296	$50
West Bend Mutual	$441	$73
IMT Insurance Company	$484	$83
Auto-Owners Insurance Co	$491	$82
Chubb	$504	$86
Acuity	$542	$91
American Family	$548	$92
Travelers	$561	$94
Erie	$655	$110
USAA	$762	$128
Rockford Mutual	$799	$136
Nationwide	$863	$145
Rural Mutual	$888	$151
State Farm	$888	$149
Progressive	$1039	$175
Farmers	$1108	$184
Allstate	$1285	$216
Secura	$681	$113
Hastings Mutual	$806	$137

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Average Car Insurance in Eagle River 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 Eagle River, WI increasing?

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

Car Insurance Premiums by Age in Eagle River

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	$508
30s	USAA	$408
40s	USAA	$370
50s	USAA	$351
60s	USAA	$366
70s	USAA	$451

Cheapest Car Insurance Rates for Teen Drivers in Eagle River,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Eagle River at $35 per month. At $4061 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$208	$35
Travelers	$214	$36
Auto-Owners Insurance Co	$246	$41
Western National	$246	$41
West Bend Mutual	$277	$47
USAA	$913	$154
Erie	$938	$158
American Family	$1133	$191
Acuity	$1726	$290
State Farm	$1990	$335
Progressive	$2872	$483
Allstate	$3784	$637
Farmers	$4061	$677

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 Eagle River.

As young drivers face the highest rates in Eagle River, USAA offers the cheapest auto insurance rates at $508 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 Eagle River, Western National is the cheapest car insurance provider. At $158 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 Eagle River is Allstate, offering rates of around $1951 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
AAA	$176	$30
West Bend Mutual	$227	$38
Chubb	$252	$42
IMT Insurance Company	$252	$42
Travelers	$296	$50
Acuity	$623	$105
American Family	$718	$121
State Farm	$769	$128
Erie	$831	$140
Progressive	$970	$163
Allstate	$1951	$332

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Car Insurance Rates with An Accident in Eagle River

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

Cheapest Car Insurance Companies after an At-Fault Accident in Eagle River

The cheapest car insurance companies after an at-fault accident in Eagle River include Western National and Rural Mutual, offering $158 and $182, respectively. Allstate is an expensive provider with an average six-month premium of $1914.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
Rural Mutual	$182	$31
Auto-Owners Insurance Co	$240	$40
AAA	$246	$41
Chubb	$252	$42
Travelers	$252	$42
West Bend	$264	$45
West Bend Mutual	$315	$54
Auto-Owners	$328	$54
Erie	$504	$85
USAA	$504	$85
American Family	$762	$128
Acuity	$799	$135
State Farm	$806	$136
Farmers	$1523	$254
Progressive	$1694	$285
Allstate	$1914	$322

Eagle River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Eagle River WI. For example, the car insurance in Eagle River after a DUI increases to $837 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Eagle River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$900	$151
One Med/PIP claim	$906	$154
Not-at-fault accident	$944	$158
One comp claim	$957	$163
Two Med/PIP claims	$970	$161
Failure to show documents	$983	$167
Driving with expired registration	$1007	$167
Failure to wear a seat belt	$1013	$173
Two comp claims	$1032	$172
Driving without lights	$1071	$182
Child safety restraint	$1077	$179
Speeding 6 - 10 MPH over limit	$1083	$184
At-fault accident - less than $1000	$1096	$182
Cell phone violation	$1102	$188
Driving too slowly	$1108	$184
Failure to yield	$1108	$189
Speeding in school zone	$1108	$184
Illegal turn	$1114	$190
Speeding 11 - 15 MPH over limit	$1114	$186
Speeding 16 - 20 MPH over limit	$1114	$190
Texting while driving	$1114	$186
Wrong way/wrong lane	$1114	$190
Failure to stop at a red light	$1127	$188
Following too closely	$1127	$192
Improper passing	$1159	$193
Passing school bus	$1178	$200
In 65 MPH zone	$1240	$207
At-fault accident - $1000-$2000	$1291	$219
Speeding 21 - 25 MPH over limit	$1291	$215
Operating a vehicle without permission	$1297	$220
At-fault accident - greater than $2000	$1304	$217
Open container	$1315	$224
Reckless driving	$1700	$283
Racing	$1707	$290
Refusal to submit to a chemical test	$1719	$286
Driving with a suspended license	$1726	$294
Leaving scene of an accident/hit and run	$1732	$288
DUI	$1737	$296

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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 Eagle River 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 Eagle River.

The cheapest car insurance premiums in Eagle River are offered by Western National at $158 for a six-month policy. However, it can be as expensive as $1530 with companies like Allstate.

Eagle River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
Chubb	$252	$42
Travelers	$296	$50
West Bend	$353	$58
Kemper	$359	$61
USAA	$661	$111
Erie	$686	$116
American Family	$781	$131
Progressive	$938	$158
State Farm	$1007	$170
Farmers	$1467	$249
Acuity	$1480	$247
Allstate	$1530	$258

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 Eagle River are offered by Western National at $158. However, it can be as expensive as $1423 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Eagle River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
AAA	$201	$34
Auto-Owners Insurance Co	$220	$37
Travelers	$246	$41
Chubb	$252	$42
West Bend Mutual	$289	$49
Erie	$447	$75
State Farm	$523	$88
American Family	$529	$89
Acuity	$630	$106
Progressive	$831	$140
Allstate	$1423	$242

Car Insurance Price Trends in Eagle River, Wisconsin

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

The average cost of full coverage in the Eagle River rose by $133 in December compared to $129 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 Eagle River rose to $36 in December, compared to $34 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 Eagle River?

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

What is the cheapest car insurance in Eagle River?

The cheapest car insurance in Eagle River is $50 per month for full coverage.

How much is car insurance in Eagle River for teenagers?

Car insurance for teenagers costs $208 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 Eagle River?

The average cost of car insurance is $677 for a six-month policy. It will cost around $121 per month to insure your car in Eagle River.

Is car insurance expensive in Eagle River?

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

Cheapest Car Insurance Quotes in Eagle River

Why you can trust Way?

How Much Is Car Insurance in Eagle River

Avg. Car Insurance in Eagle River

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Eagle River

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Eagle River Car Insurance Rates by Company

Cheap Car Insurance Companies in Eagle River, WI

Way's key takeaways about car insurance in Eagle River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Eagle River

Cheapest Liability Coverage in Eagle River, WI

Cheapest Full Coverage Car Insurance in Eagle River

Cheapest Full Coverage Car Insurance Quotes in Eagle River, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Eagle River by Rating Factor

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

Car Insurance Premiums by Age in Eagle River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Eagle River,WI

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

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 Eagle River

Cheapest Car Insurance Companies after an At-Fault Accident in Eagle River

Eagle River Car Insurance Rates by Violation

Eagle River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Eagle River after a DUI

Eagle River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Eagle River after Speeding ticket

Car Insurance Price Trends in Eagle River, Wisconsin

Average Car Insurance Cost in Eagle River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Eagle River, WI

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

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