Cheapest Car Insurance Quotes in Frederic

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Frederic Car Insurance

^$ 24

/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 Frederic

The car insurance rate in Frederic is $799 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Frederic 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 Frederic

$799

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Frederic

1st place: AAA

At $329 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 $491 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 $539 for six months, making it the third cheapest auto insurance company in Frederic.

Frederic Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Frederic, WI is AAA, offering policies at just $329 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $491.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Frederic drivers find the best deals.

Cheap Car Insurance Companies in Frederic, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
West Bend Mutual	$491	$81
IMT Insurance Company	$539	$92
Auto-Owners Insurance Co	$546	$91
Chubb	$561	$96
Acuity	$603	$101
American Family	$610	$103
Travelers	$624	$105
Erie	$729	$123
USAA	$848	$143
Rockford Mutual	$890	$151
Nationwide	$961	$162
Rural Mutual	$989	$168
State Farm	$989	$166
Progressive	$1156	$195
Farmers	$1233	$205
Allstate	$1430	$241
Secura	$758	$126
Hastings Mutual	$897	$152

Key Takeaways

Way's key takeaways about car insurance in Frederic

The auto insurance costs in Frederic fall around $329 for six months.
The cheapest auto insurance company in Frederic is AAA.
Teen drivers pay the highest rate in Frederic at $754 per month.

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Cheapest Minimum Liability Car Insurance in Frederic

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 Frederic are given below.

AAA provides the cheapest minimum car insurance coverage in Frederic. Their Average 6 Month Premium is $140. Secura is the most expensive at $189 for the same period.

Cheapest Liability Coverage in Frederic, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$140	$24
Rural Mutual	$155	$26
Western National	$169	$28
Erie	$189	$32
USAA	$203	$34
West Bend Mutual	$210	$35
Auto-Owners Insurance Co	$217	$37
Acuity	$224	$38
American Family	$231	$39
Travelers	$231	$39
Progressive	$238	$40
Chubb	$245	$41
State Farm	$267	$45
Farmers	$413	$71
Allstate	$546	$92
Secura	$189	$32

Cheapest Full Coverage Car Insurance in Frederic

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 Frederic is AAA at $55 per month and $329 for six months.

Cheapest Full Coverage Car Insurance Quotes in Frederic, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
West Bend Mutual	$491	$81
IMT Insurance Company	$539	$92
Auto-Owners Insurance Co	$546	$91
Chubb	$561	$96
Acuity	$603	$101
American Family	$610	$103
Travelers	$624	$105
Erie	$729	$123
USAA	$848	$143
Rockford Mutual	$890	$151
Nationwide	$961	$162
Rural Mutual	$989	$168
State Farm	$989	$166
Progressive	$1156	$195
Farmers	$1233	$205
Allstate	$1430	$241
Secura	$758	$126
Hastings Mutual	$897	$152

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Average Car Insurance in Frederic 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 Frederic, WI increasing?

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

Car Insurance Premiums by Age in Frederic

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	$565
30s	USAA	$454
40s	USAA	$412
50s	USAA	$391
60s	USAA	$407
70s	USAA	$502

Cheapest Car Insurance Rates for Teen Drivers in Frederic,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Frederic at $39 per month. At $4521 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$231	$39
Travelers	$238	$40
Auto-Owners Insurance Co	$274	$46
Western National	$274	$46
West Bend Mutual	$308	$52
USAA	$1016	$171
Erie	$1044	$176
American Family	$1261	$212
Acuity	$1921	$323
State Farm	$2215	$373
Progressive	$3197	$538
Allstate	$4213	$709
Farmers	$4521	$754

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 Frederic.

As young drivers face the highest rates in Frederic, USAA offers the cheapest auto insurance rates at $565 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 Frederic, Western National is the cheapest car insurance provider. At $176 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 Frederic is Allstate, offering rates of around $2172 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
AAA	$196	$33
West Bend Mutual	$253	$42
Chubb	$281	$47
IMT Insurance Company	$281	$47
Travelers	$329	$55
Acuity	$694	$117
American Family	$799	$135
State Farm	$856	$143
Erie	$925	$156
Progressive	$1080	$182
Allstate	$2172	$369

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Car Insurance Rates with An Accident in Frederic

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

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

The cheapest car insurance companies after an at-fault accident in Frederic include Western National and Rural Mutual, offering $176 and $203, respectively. Allstate is an expensive provider with an average six-month premium of $2131.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Rural Mutual	$203	$34
Auto-Owners Insurance Co	$267	$45
AAA	$274	$46
Chubb	$281	$47
Travelers	$281	$47
West Bend	$294	$50
West Bend Mutual	$350	$60
Auto-Owners	$365	$60
Erie	$561	$94
USAA	$561	$94
American Family	$848	$143
Acuity	$890	$150
State Farm	$897	$151
Farmers	$1696	$283
Progressive	$1886	$317
Allstate	$2131	$359

Frederic Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Frederic WI. For example, the car insurance in Frederic after a DUI increases to $932 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Frederic auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$168
One Med/PIP claim	$1009	$171
Not-at-fault accident	$1051	$176
One comp claim	$1066	$182
Two Med/PIP claims	$1080	$179
Failure to show documents	$1094	$186
Driving with expired registration	$1121	$186
Failure to wear a seat belt	$1128	$192
Two comp claims	$1149	$191
Driving without lights	$1192	$203
Child safety restraint	$1199	$199
Speeding 6 - 10 MPH over limit	$1206	$205
At-fault accident - less than $1000	$1220	$203
Cell phone violation	$1227	$209
Driving too slowly	$1233	$205
Failure to yield	$1233	$210
Speeding in school zone	$1233	$205
Illegal turn	$1240	$211
Speeding 11 - 15 MPH over limit	$1240	$207
Speeding 16 - 20 MPH over limit	$1240	$211
Texting while driving	$1240	$207
Wrong way/wrong lane	$1240	$211
Failure to stop at a red light	$1254	$209
Following too closely	$1254	$214
Improper passing	$1290	$215
Passing school bus	$1311	$223
In 65 MPH zone	$1381	$230
At-fault accident - $1000-$2000	$1437	$244
Speeding 21 - 25 MPH over limit	$1437	$240
Operating a vehicle without permission	$1444	$245
At-fault accident - greater than $2000	$1451	$242
Open container	$1464	$249
Reckless driving	$1893	$315
Racing	$1900	$323
Refusal to submit to a chemical test	$1914	$319
Driving with a suspended license	$1921	$327
Leaving scene of an accident/hit and run	$1928	$321
DUI	$1934	$329

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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 Frederic 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 Frederic.

The cheapest car insurance premiums in Frederic are offered by Western National at $176 for a six-month policy. However, it can be as expensive as $1703 with companies like Allstate.

Frederic car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Chubb	$281	$47
Travelers	$329	$55
West Bend	$393	$65
Kemper	$400	$68
USAA	$736	$124
Erie	$763	$129
American Family	$870	$146
Progressive	$1044	$176
State Farm	$1121	$189
Farmers	$1633	$277
Acuity	$1647	$275
Allstate	$1703	$287

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 Frederic are offered by Western National at $176. However, it can be as expensive as $1584 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Frederic after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
AAA	$224	$38
Auto-Owners Insurance Co	$245	$41
Travelers	$274	$46
Chubb	$281	$47
West Bend Mutual	$322	$54
Erie	$498	$84
State Farm	$582	$98
American Family	$589	$99
Acuity	$701	$118
Progressive	$925	$156
Allstate	$1584	$269

Car Insurance Price Trends in Frederic, Wisconsin

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

The average cost of full coverage in the Frederic rose by $148 in December compared to $144 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 Frederic rose to $40 in December, compared to $38 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 Frederic?

The car insurance in Frederic is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Frederic?

The cheapest car insurance in Frederic is $55 per month for full coverage.

How much is car insurance in Frederic for teenagers?

Car insurance for teenagers costs $231 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 Frederic?

The average cost of car insurance is $677 for a six-month policy. It will cost around $135 per month to insure your car in Frederic.

Is car insurance expensive in Frederic?

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

Cheapest Car Insurance Quotes in Frederic

Why you can trust Way?

How Much Is Car Insurance in Frederic

Avg. Car Insurance in Frederic

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Frederic

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Frederic Car Insurance Rates by Company

Cheap Car Insurance Companies in Frederic, WI

Way's key takeaways about car insurance in Frederic

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Frederic

Cheapest Liability Coverage in Frederic, WI

Cheapest Full Coverage Car Insurance in Frederic

Cheapest Full Coverage Car Insurance Quotes in Frederic, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Frederic by Rating Factor

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

Car Insurance Premiums by Age in Frederic

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Frederic,WI

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

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 Frederic

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

Frederic Car Insurance Rates by Violation

Frederic auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Frederic after a DUI

Frederic car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Frederic after Speeding ticket

Car Insurance Price Trends in Frederic, Wisconsin

Average Car Insurance Cost in Frederic by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Frederic, WI

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

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