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Finding the cheapest car insurance quotes in Galloway 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 Galloway
The car insurance rate in Galloway is $839 for a six-month policy, which is $162 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, making it a popular choice for budget-conscious drivers. Rates in Galloway 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 $346 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 $516 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 $567
for six months, making it
the third cheapest auto insurance company in Galloway.
Galloway Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Galloway, WI is AAA, offering policies at just $346 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $516.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $942 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Galloway drivers find the best deals.
Way's key takeaways about car insurance in Galloway
The auto insurance costs in Galloway fall around $346 for six
months.
The cheapest auto insurance company in Galloway is AAA.
Teen drivers pay the highest rate in Galloway at $792 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 Galloway
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 Galloway are given below.
AAA provides
the cheapest minimum car insurance
coverage in Galloway. Their Average 6 Month Premium is $148.
Secura is the most
expensive at $198 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 Galloway is AAA
at $58 per month and $346
for six months.
Cheapest Full Coverage Car Insurance Quotes in Galloway,
WI
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Average Car Insurance in Galloway 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 Galloway, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Galloway, 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, Galloway's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Galloway
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
$594
30s
USAA
$477
40s
USAA
$433
50s
USAA
$410
60s
USAA
$428
70s
USAA
$527
Cheapest Car Insurance Rates for Teen Drivers in
Galloway,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Galloway at $41
per
month. At $4750 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Galloway.
As young drivers face the highest rates in Galloway, USAA
offers the cheapest auto insurance rates at $594 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 Galloway,
Western National is
the cheapest car insurance provider. At $185 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
Galloway is Allstate, offering
rates of around $2283 for six
months.
Save up to $971/yr on car insurance rates in Galloway.
Car Insurance Rates with An Accident in Galloway
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 Galloway, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Galloway
The cheapest car insurance companies after an at-fault accident in
Galloway include Western National
and Rural Mutual, offering $185
and $213,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2239.
Here is a list of driving violations that can increase your car
insurance rates in Galloway WI. For example, the car
insurance in Galloway
after a DUI increases to $979 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
Galloway auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1053
$176
One Med/PIP claim
$1060
$180
Not-at-fault accident
$1105
$185
One comp claim
$1120
$191
Two Med/PIP claims
$1135
$188
Failure to show documents
$1149
$196
Driving with expired registration
$1178
$196
Failure to wear a seat belt
$1185
$202
Two comp claims
$1208
$201
Driving without lights
$1252
$213
Child safety restraint
$1260
$210
Speeding 6 - 10 MPH over limit
$1267
$216
At-fault accident - less than $1000
$1282
$213
Cell phone violation
$1290
$219
Driving too slowly
$1296
$216
Failure to yield
$1296
$221
Speeding in school zone
$1296
$216
Illegal turn
$1303
$222
Speeding 11 - 15 MPH over limit
$1303
$217
Speeding 16 - 20 MPH over limit
$1303
$222
Texting while driving
$1303
$217
Wrong way/wrong lane
$1303
$222
Failure to stop at a red light
$1318
$219
Following too closely
$1318
$224
Improper passing
$1355
$226
Passing school bus
$1378
$234
In 65 MPH zone
$1451
$242
At-fault accident - $1000-$2000
$1510
$257
Speeding 21 - 25 MPH over limit
$1510
$252
Operating a vehicle without permission
$1518
$258
At-fault accident - greater than $2000
$1525
$254
Open container
$1539
$262
Reckless driving
$1989
$331
Racing
$1996
$340
Refusal to submit to a chemical test
$2011
$335
Driving with a suspended license
$2019
$343
Leaving scene of an accident/hit and run
$2026
$337
DUI
$2032
$346
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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 Galloway 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 Galloway.
The cheapest car insurance premiums in
Galloway are
offered by Western National at $185 for a six-month policy.
However, it can be as
expensive as $1789 with companies
like Allstate.
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 Galloway are offered by Western National
at $185. However,
it can be as expensive as $1664
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Galloway after Speeding ticket
Car insurance rates in Galloway have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Galloway rose by
$155 in December
compared to $151 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 Galloway rose to $42 in December,
compared to $40 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Galloway 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
Galloway. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Galloway?
The car insurance in Galloway is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Galloway?
The cheapest car insurance in Galloway
is $58 per month
for full coverage.
How much is car insurance in Galloway for teenagers?
Car insurance for teenagers costs $243 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
Galloway?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $141 per month to insure your
car in Galloway.
Is car insurance expensive in Galloway?
Car insurance can be expensive in Galloway if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Galloway can be
affordable.
What is the best car insurance in Galloway,
WI?
The best car insurance company in Galloway
WI is
AAA, offering $346 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Galloway, WI
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Galloway Car Insurance
