Cheapest Car Insurance Quotes in Ellsworth

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Ellsworth 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 Ellsworth

The car insurance rate in Ellsworth is $790 for a six-month policy, which is $45 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 Ellsworth 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 Ellsworth

$790

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Ellsworth

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 Ellsworth.

Ellsworth Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ellsworth, 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 Ellsworth drivers find the best deals.

Cheap Car Insurance Companies in Ellsworth, 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
Travelers	$561	$94
American Family	$567	$95
Erie	$692	$117
USAA	$737	$124
Acuity	$756	$127
Rockford Mutual	$799	$136
Nationwide	$863	$145
Rural Mutual	$888	$151
Auto-Owners	$1007	$167
West Bend	$1020	$174
State Farm	$1077	$181
Farmers	$1108	$189
Allstate	$1328	$224
Progressive	$1492	$251
Secura	$681	$113
Hastings Mutual	$806	$137

Key Takeaways

Way's key takeaways about car insurance in Ellsworth

The auto insurance costs in Ellsworth fall around $296 for six months.
The cheapest auto insurance company in Ellsworth is AAA.
Teen drivers pay the highest rate in Ellsworth at $687 per month.

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Cheapest Minimum Liability Car Insurance in Ellsworth

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 Ellsworth are given below.

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

Cheapest Liability Coverage in Ellsworth, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$126	$21
Rural Mutual	$139	$23
Western National	$152	$25
Erie	$170	$29
USAA	$176	$30
West Bend Mutual	$189	$32
Auto-Owners Insurance Co	$195	$33
Travelers	$208	$35
Acuity	$214	$36
American Family	$214	$36
Chubb	$220	$37
Auto-Owners	$240	$40
Progressive	$252	$42
State Farm	$264	$45
West Bend	$296	$50
Farmers	$371	$64
Allstate	$484	$82
Secura	$170	$29

Cheapest Full Coverage Car Insurance in Ellsworth

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

Cheapest Full Coverage Car Insurance Quotes in Ellsworth, 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
Travelers	$561	$94
American Family	$567	$95
Erie	$692	$117
USAA	$737	$124
Acuity	$756	$127
Rockford Mutual	$799	$136
Nationwide	$863	$145
Rural Mutual	$888	$151
Auto-Owners	$1007	$167
West Bend	$1020	$174
State Farm	$1077	$181
Farmers	$1108	$189
Allstate	$1328	$224
Progressive	$1492	$251
Secura	$681	$113
Hastings Mutual	$806	$137

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Average Car Insurance in Ellsworth 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 Ellsworth, WI increasing?

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

Car Insurance Premiums by Age in Ellsworth

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	$524
30s	USAA	$421
40s	USAA	$382
50s	USAA	$363
60s	USAA	$376
70s	USAA	$464

Cheapest Car Insurance Rates for Teen Drivers in Ellsworth,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Ellsworth at $35 per month. At $4080 for a six-month premium, Progressive 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
Erie	$1032	$174
USAA	$1090	$183
American Family	$1178	$198
West Bend	$1933	$329
State Farm	$2355	$396
Auto-Owners	$2418	$411
Acuity	$2607	$439
Allstate	$3879	$653
Farmers	$4061	$677
Progressive	$4080	$687

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 Ellsworth.

As young drivers face the highest rates in Ellsworth, USAA offers the cheapest auto insurance rates at $524 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 Ellsworth, 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 Ellsworth is AutoOwners, offering rates of around $3696 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
American Family	$762	$128
Acuity	$944	$159
Erie	$1013	$171
State Farm	$1146	$191
USAA	$1291	$219
West Bend	$1492	$249
Progressive	$1707	$287
Allstate	$2097	$350
Auto-Owners	$3696	$629

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Car Insurance Rates with An Accident in Ellsworth

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

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

The cheapest car insurance companies after an at-fault accident in Ellsworth include Western National and Rural Mutual, offering $158 and $182, respectively. Progressive is an expensive provider with an average six-month premium of $2493.

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 Mutual	$315	$53
West Bend	$535	$90
Erie	$561	$94
USAA	$642	$108
Auto-Owners	$730	$123
American Family	$793	$134
State Farm	$951	$160
Acuity	$1159	$195
Farmers	$1523	$254
Allstate	$1990	$335
Progressive	$2493	$420

Ellsworth Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ellsworth WI. For example, the car insurance in Ellsworth 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.

Ellsworth 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 Ellsworth 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 Ellsworth.

The cheapest car insurance premiums in Ellsworth are offered by Western National at $158 for a six-month policy. However, it can be as expensive as $2317 with companies like Acuity.

Ellsworth car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$158	$27
Chubb	$252	$42
Travelers	$296	$50
Kemper	$359	$59
West Bend	$737	$124
Erie	$781	$131
American Family	$812	$137
USAA	$844	$142
State Farm	$1234	$208
Progressive	$1366	$230
Farmers	$1467	$249
Allstate	$1593	$268
Auto-Owners	$1656	$282
Acuity	$2317	$386

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 Ellsworth are offered by Western National at $158. However, it can be as expensive as $1619 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Ellsworth 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	$535	$90
American Family	$561	$94
State Farm	$724	$122
USAA	$769	$130
Acuity	$925	$156
Auto-Owners	$1007	$172
West Bend	$1152	$192
Allstate	$1530	$260
Progressive	$1619	$272

Car Insurance Price Trends in Ellsworth, Wisconsin

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

The average cost of full coverage in the Ellsworth rose by $166 in January compared to $133 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Ellsworth rose to $37 in January, compared to $36 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ellsworth?

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

What is the cheapest car insurance in Ellsworth?

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

How much is car insurance in Ellsworth 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 Ellsworth?

The average cost of car insurance is $745 for a six-month policy. It will cost around $133 per month to insure your car in Ellsworth.

Is car insurance expensive in Ellsworth?

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

Cheapest Car Insurance Quotes in Ellsworth

Why you can trust Way?

How Much Is Car Insurance in Ellsworth

Avg. Car Insurance in Ellsworth

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Ellsworth

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Ellsworth Car Insurance Rates by Company

Cheap Car Insurance Companies in Ellsworth, WI

Way's key takeaways about car insurance in Ellsworth

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ellsworth

Cheapest Liability Coverage in Ellsworth, WI

Cheapest Full Coverage Car Insurance in Ellsworth

Cheapest Full Coverage Car Insurance Quotes in Ellsworth, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ellsworth by Rating Factor

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

Car Insurance Premiums by Age in Ellsworth

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ellsworth,WI

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

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 Ellsworth

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

Ellsworth Car Insurance Rates by Violation

Ellsworth auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ellsworth after a DUI

Ellsworth car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ellsworth after Speeding ticket

Car Insurance Price Trends in Ellsworth, Wisconsin

Average Car Insurance Cost in Ellsworth by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ellsworth, WI

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

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