Cheapest Car Insurance Quotes in Fort Atkinson

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Fort Atkinson Car Insurance

^$ 17

/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 Fort Atkinson

The car insurance rate in Fort Atkinson is $589 for a six-month policy, which is $88 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $243, making it a popular choice for budget-conscious drivers. Rates in Fort Atkinson 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 Fort Atkinson

$589

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Fort Atkinson

1st place: AAA

At $243 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 $362 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 $398 for six months, making it the third cheapest auto insurance company in Fort Atkinson.

Fort Atkinson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Atkinson, WI is AAA, offering policies at just $243 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $362.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $661 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Atkinson drivers find the best deals.

Cheap Car Insurance Companies in Fort Atkinson, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$243	$41
West Bend Mutual	$362	$60
IMT Insurance Company	$398	$68
Auto-Owners Insurance Co	$403	$67
Chubb	$413	$70
Acuity	$445	$75
American Family	$450	$76
Travelers	$460	$77
Erie	$538	$90
USAA	$626	$105
Rockford Mutual	$656	$111
Nationwide	$708	$119
Rural Mutual	$729	$124
State Farm	$729	$123
Progressive	$853	$144
Farmers	$909	$151
Allstate	$1054	$177
Secura	$559	$93
Hastings Mutual	$661	$112

Key Takeaways

Way's key takeaways about car insurance in Fort Atkinson

The auto insurance costs in Fort Atkinson fall around $243 for six months.
The cheapest auto insurance company in Fort Atkinson is AAA.
Teen drivers pay the highest rate in Fort Atkinson at $556 per month.

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Cheapest Minimum Liability Car Insurance in Fort Atkinson

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 Fort Atkinson are given below.

AAA provides the cheapest minimum car insurance coverage in Fort Atkinson. Their Average 6 Month Premium is $104. Secura is the most expensive at $139 for the same period.

Cheapest Liability Coverage in Fort Atkinson, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$104	$17
Rural Mutual	$114	$19
Western National	$124	$21
Erie	$139	$23
USAA	$150	$25
West Bend Mutual	$155	$26
Auto-Owners Insurance Co	$160	$27
Acuity	$165	$28
American Family	$171	$29
Travelers	$171	$29
Progressive	$176	$30
Chubb	$181	$30
State Farm	$197	$33
Farmers	$305	$52
Allstate	$403	$68
Secura	$139	$23

Cheapest Full Coverage Car Insurance in Fort Atkinson

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 Fort Atkinson is AAA at $41 per month and $243 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Atkinson, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$243	$41
West Bend Mutual	$362	$60
IMT Insurance Company	$398	$68
Auto-Owners Insurance Co	$403	$67
Chubb	$413	$70
Acuity	$445	$75
American Family	$450	$76
Travelers	$460	$77
Erie	$538	$90
USAA	$626	$105
Rockford Mutual	$656	$111
Nationwide	$708	$119
Rural Mutual	$729	$124
State Farm	$729	$123
Progressive	$853	$144
Farmers	$909	$151
Allstate	$1054	$177
Secura	$559	$93
Hastings Mutual	$661	$112

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Average Car Insurance in Fort Atkinson 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 Fort Atkinson, WI increasing?

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

Car Insurance Premiums by Age in Fort Atkinson

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	$417
30s	USAA	$335
40s	USAA	$304
50s	USAA	$288
60s	USAA	$300
70s	USAA	$370

Cheapest Car Insurance Rates for Teen Drivers in Fort Atkinson,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Fort Atkinson at $29 per month. At $3333 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$171	$29
Travelers	$176	$30
Auto-Owners Insurance Co	$202	$34
Western National	$202	$34
West Bend Mutual	$227	$38
USAA	$749	$126
Erie	$770	$130
American Family	$930	$157
Acuity	$1416	$238
State Farm	$1633	$275
Progressive	$2357	$397
Allstate	$3106	$523
Farmers	$3333	$556

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 Fort Atkinson.

As young drivers face the highest rates in Fort Atkinson, USAA offers the cheapest auto insurance rates at $417 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 Fort Atkinson, Western National is the cheapest car insurance provider. At $130 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 Fort Atkinson is Allstate, offering rates of around $1602 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$130	$22
AAA	$144	$24
West Bend Mutual	$186	$31
Chubb	$207	$35
IMT Insurance Company	$207	$35
Travelers	$243	$41
Acuity	$512	$86
American Family	$589	$99
State Farm	$631	$105
Erie	$682	$115
Progressive	$796	$134
Allstate	$1602	$272

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Car Insurance Rates with An Accident in Fort Atkinson

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

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Atkinson

The cheapest car insurance companies after an at-fault accident in Fort Atkinson include Western National and Rural Mutual, offering $130 and $150, respectively. Allstate is an expensive provider with an average six-month premium of $1571.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$130	$22
Rural Mutual	$150	$25
Auto-Owners Insurance Co	$197	$33
AAA	$202	$34
Chubb	$207	$35
Travelers	$207	$35
West Bend	$217	$37
West Bend Mutual	$258	$44
Auto-Owners	$269	$44
Erie	$413	$70
USAA	$413	$70
American Family	$626	$105
Acuity	$656	$110
State Farm	$661	$111
Farmers	$1250	$209
Progressive	$1390	$234
Allstate	$1571	$264

Fort Atkinson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Atkinson WI. For example, the car insurance in Fort Atkinson after a DUI increases to $687 for a six month policy. While the rate increases by $150 for a six-month policy in the case of a speeding ticket.

Fort Atkinson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$739	$124
One Med/PIP claim	$744	$126
Not-at-fault accident	$775	$130
One comp claim	$786	$134
Two Med/PIP claims	$796	$132
Failure to show documents	$806	$137
Driving with expired registration	$827	$137
Failure to wear a seat belt	$832	$142
Two comp claims	$847	$141
Driving without lights	$879	$150
Child safety restraint	$884	$147
Speeding 6 - 10 MPH over limit	$889	$151
At-fault accident - less than $1000	$900	$150
Cell phone violation	$905	$154
Driving too slowly	$909	$151
Failure to yield	$909	$155
Speeding in school zone	$909	$151
Illegal turn	$914	$156
Speeding 11 - 15 MPH over limit	$914	$152
Speeding 16 - 20 MPH over limit	$914	$156
Texting while driving	$914	$152
Wrong way/wrong lane	$914	$156
Failure to stop at a red light	$925	$154
Following too closely	$925	$157
Improper passing	$951	$158
Passing school bus	$967	$164
In 65 MPH zone	$1018	$170
At-fault accident - $1000-$2000	$1060	$180
Speeding 21 - 25 MPH over limit	$1060	$177
Operating a vehicle without permission	$1065	$181
At-fault accident - greater than $2000	$1070	$178
Open container	$1080	$184
Reckless driving	$1395	$232
Racing	$1401	$238
Refusal to submit to a chemical test	$1411	$235
Driving with a suspended license	$1416	$241
Leaving scene of an accident/hit and run	$1422	$237
DUI	$1426	$243

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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 Fort Atkinson 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 Fort Atkinson.

The cheapest car insurance premiums in Fort Atkinson are offered by Western National at $130 for a six-month policy. However, it can be as expensive as $1255 with companies like Allstate.

Fort Atkinson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$130	$22
Chubb	$207	$35
Travelers	$243	$41
West Bend	$290	$48
Kemper	$295	$50
USAA	$543	$91
Erie	$563	$95
American Family	$641	$108
Progressive	$770	$130
State Farm	$827	$139
Farmers	$1204	$204
Acuity	$1215	$203
Allstate	$1255	$211

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 Fort Atkinson are offered by Western National at $130. However, it can be as expensive as $1168 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Atkinson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$130	$22
AAA	$165	$28
Auto-Owners Insurance Co	$181	$30
Travelers	$202	$34
Chubb	$207	$35
West Bend Mutual	$238	$40
Erie	$367	$62
State Farm	$429	$72
American Family	$434	$73
Acuity	$517	$87
Progressive	$682	$115
Allstate	$1168	$198

Car Insurance Price Trends in Fort Atkinson, Wisconsin

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

The average cost of full coverage in the Fort Atkinson rose by $109 in December compared to $106 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 Fort Atkinson rose to $30 in December, compared to $28 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 Fort Atkinson?

The car insurance in Fort Atkinson is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Atkinson?

The cheapest car insurance in Fort Atkinson is $41 per month for full coverage.

How much is car insurance in Fort Atkinson for teenagers?

Car insurance for teenagers costs $171 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 Fort Atkinson?

The average cost of car insurance is $677 for a six-month policy. It will cost around $99 per month to insure your car in Fort Atkinson.

Is car insurance expensive in Fort Atkinson?

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

Cheapest Car Insurance Quotes in Fort Atkinson

Why you can trust Way?

How Much Is Car Insurance in Fort Atkinson

Avg. Car Insurance in Fort Atkinson

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Fort Atkinson

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Fort Atkinson Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Atkinson, WI

Way's key takeaways about car insurance in Fort Atkinson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Atkinson

Cheapest Liability Coverage in Fort Atkinson, WI

Cheapest Full Coverage Car Insurance in Fort Atkinson

Cheapest Full Coverage Car Insurance Quotes in Fort Atkinson, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Atkinson by Rating Factor

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

Car Insurance Premiums by Age in Fort Atkinson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fort Atkinson,WI

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

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 Fort Atkinson

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Atkinson

Fort Atkinson Car Insurance Rates by Violation

Fort Atkinson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Atkinson after a DUI

Fort Atkinson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Atkinson after Speeding ticket

Car Insurance Price Trends in Fort Atkinson, Wisconsin

Average Car Insurance Cost in Fort Atkinson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Atkinson, WI

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

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