We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Eldorado 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 Eldorado
The car insurance rate in Eldorado is $671 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $251, making it a popular choice for budget-conscious drivers. Rates in Eldorado 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 $251 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 $374 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 $411
for six months, making it
the third cheapest auto insurance company in Eldorado.
Eldorado Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Eldorado, WI is AAA, offering policies at just $251 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $374.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Eldorado drivers find the best deals.
Way's key takeaways about car insurance in Eldorado
The auto insurance costs in Eldorado fall around $251 for six
months.
The cheapest auto insurance company in Eldorado is AAA.
Teen drivers pay the highest rate in Eldorado at $583 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 Eldorado
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 Eldorado are given below.
AAA provides
the cheapest minimum car insurance
coverage in Eldorado. Their Average 6 Month Premium is $107.
Secura is the most
expensive at $144 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 Eldorado is AAA
at $42 per month and $251
for six months.
Cheapest Full Coverage Car Insurance Quotes in Eldorado,
WI
Get Your Car Insurance Quote in Eldorado
Instantly!
Average Car Insurance in Eldorado 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 Eldorado, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Eldorado, 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, Eldorado's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Eldorado
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
$445
30s
USAA
$357
40s
USAA
$324
50s
USAA
$308
60s
USAA
$320
70s
USAA
$394
Cheapest Car Insurance Rates for Teen Drivers in
Eldorado,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Eldorado at $30
per
month. At $3464 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Eldorado.
As young drivers face the highest rates in Eldorado, USAA
offers the cheapest auto insurance rates at $445 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 Eldorado,
Western National is
the cheapest car insurance provider. At $134 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
Eldorado is AutoOwners, offering
rates of around $3138 for six
months.
Save up to $971/yr on car insurance rates in Eldorado.
Car Insurance Rates with An Accident in Eldorado
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 Eldorado, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Eldorado
The cheapest car insurance companies after an at-fault accident in
Eldorado include Western National
and Rural Mutual, offering $134
and $155,
respectively. Progressive is an expensive provider
with an average six-month premium of
$2117.
Here is a list of driving violations that can increase your car
insurance rates in Eldorado WI. For example, the car
insurance in Eldorado
after a DUI increases to $711 for a six
month policy. While the rate increases by $156 for a six-month policy in the case of
a speeding ticket.
Eldorado auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$764
$128
One Med/PIP claim
$770
$131
Not-at-fault accident
$802
$134
One comp claim
$813
$139
Two Med/PIP claims
$824
$137
Failure to show documents
$834
$142
Driving with expired registration
$855
$142
Failure to wear a seat belt
$860
$147
Two comp claims
$877
$146
Driving without lights
$909
$155
Child safety restraint
$914
$152
Speeding 6 - 10 MPH over limit
$920
$157
At-fault accident - less than $1000
$931
$155
Cell phone violation
$936
$159
Driving too slowly
$941
$157
Failure to yield
$941
$160
Speeding in school zone
$941
$157
Illegal turn
$946
$161
Speeding 11 - 15 MPH over limit
$946
$158
Speeding 16 - 20 MPH over limit
$946
$161
Texting while driving
$946
$158
Wrong way/wrong lane
$946
$161
Failure to stop at a red light
$957
$159
Following too closely
$957
$163
Improper passing
$984
$164
Passing school bus
$1000
$170
In 65 MPH zone
$1053
$176
At-fault accident - $1000-$2000
$1096
$186
Speeding 21 - 25 MPH over limit
$1096
$183
Operating a vehicle without permission
$1102
$187
At-fault accident - greater than $2000
$1107
$185
Open container
$1117
$190
Reckless driving
$1444
$240
Racing
$1449
$247
Refusal to submit to a chemical test
$1460
$243
Driving with a suspended license
$1465
$249
Leaving scene of an accident/hit and run
$1471
$245
DUI
$1475
$251
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Eldorado 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 Eldorado.
The cheapest car insurance premiums in
Eldorado are
offered by Western National at $134 for a six-month policy.
However, it can be as
expensive as $1967 with companies
like Acuity.
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 Eldorado are offered by Western National
at $134. However,
it can be as expensive as $1374
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Eldorado after Speeding ticket
Car insurance rates in Eldorado have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Eldorado rose by
$141 in January
compared to $113 of December. In other words, there has been an increase by $28 when you
compare January and December.
The average cost of liability insurance in the Eldorado rose to $32 in January,
compared to $31 in December.
This represents an increase of $1
when comparing January and December.
Average Car Insurance Cost in Eldorado by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Eldorado. At $1341 for a
six-month policy, insuring
your car at 54932 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Eldorado?
The car insurance in Eldorado is $18 per month, which is lower than the national average.
What is the cheapest car insurance in Eldorado?
The cheapest car insurance in Eldorado
is $42 per month
for full coverage.
How much is car insurance in Eldorado for teenagers?
Car insurance for teenagers costs $176 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
Eldorado?
The average cost of car insurance is $745 for a six-month
policy. It will cost around $113 per month to insure your
car in Eldorado.
Is car insurance expensive in Eldorado?
Car insurance can be expensive in Eldorado if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Eldorado can be
affordable.
What is the best car insurance in Eldorado,
WI?
The best car insurance company in Eldorado
WI is
AAA, offering $251 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Eldorado right now.
Find Car Insurance Rates in Cities Near Eldorado, WI
Car Insurance Rates by State in the USA (2025 Update)
Eldorado Car Insurance
