Cheapest Car Insurance Quotes in Gays Mills

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Gays Mills Car Insurance

^$ 22

/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 Gays Mills

The car insurance rate in Gays Mills is $751 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $310, making it a popular choice for budget-conscious drivers. Rates in Gays Mills 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 Gays Mills

$751

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Gays Mills

1st place: AAA

At $310 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 $462 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 $507 for six months, making it the third cheapest auto insurance company in Gays Mills.

Gays Mills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gays Mills, WI is AAA, offering policies at just $310 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $462.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $844 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gays Mills drivers find the best deals.

Cheap Car Insurance Companies in Gays Mills, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$310	$52
West Bend Mutual	$462	$77
IMT Insurance Company	$507	$87
Auto-Owners Insurance Co	$514	$85
Chubb	$527	$90
Acuity	$567	$95
American Family	$574	$97
Travelers	$587	$99
Erie	$686	$115
USAA	$798	$134
Rockford Mutual	$837	$142
Nationwide	$904	$152
Rural Mutual	$930	$158
State Farm	$930	$157
Progressive	$1088	$183
Farmers	$1160	$193
Allstate	$1345	$226
Secura	$713	$119
Hastings Mutual	$844	$143

Key Takeaways

Way's key takeaways about car insurance in Gays Mills

The auto insurance costs in Gays Mills fall around $310 for six months.
The cheapest auto insurance company in Gays Mills is AAA.
Teen drivers pay the highest rate in Gays Mills at $709 per month.

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Cheapest Minimum Liability Car Insurance in Gays Mills

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 Gays Mills are given below.

AAA provides the cheapest minimum car insurance coverage in Gays Mills. Their Average 6 Month Premium is $132. Secura is the most expensive at $178 for the same period.

Cheapest Liability Coverage in Gays Mills, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$132	$22
Rural Mutual	$145	$24
Western National	$159	$27
Erie	$178	$30
USAA	$191	$32
West Bend Mutual	$198	$33
Auto-Owners Insurance Co	$204	$34
Acuity	$211	$36
American Family	$218	$37
Travelers	$218	$37
Progressive	$224	$38
Chubb	$231	$39
State Farm	$251	$42
Farmers	$389	$67
Allstate	$514	$87
Secura	$178	$30

Cheapest Full Coverage Car Insurance in Gays Mills

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 Gays Mills is AAA at $52 per month and $310 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gays Mills, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$310	$52
West Bend Mutual	$462	$77
IMT Insurance Company	$507	$87
Auto-Owners Insurance Co	$514	$85
Chubb	$527	$90
Acuity	$567	$95
American Family	$574	$97
Travelers	$587	$99
Erie	$686	$115
USAA	$798	$134
Rockford Mutual	$837	$142
Nationwide	$904	$152
Rural Mutual	$930	$158
State Farm	$930	$157
Progressive	$1088	$183
Farmers	$1160	$193
Allstate	$1345	$226
Secura	$713	$119
Hastings Mutual	$844	$143

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Average Car Insurance in Gays Mills 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 Gays Mills, WI increasing?

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

Car Insurance Premiums by Age in Gays Mills

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	$532
30s	USAA	$427
40s	USAA	$387
50s	USAA	$367
60s	USAA	$383
70s	USAA	$472

Cheapest Car Insurance Rates for Teen Drivers in Gays Mills,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Gays Mills at $37 per month. At $4252 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$218	$37
Travelers	$224	$38
Auto-Owners Insurance Co	$258	$43
Western National	$258	$43
West Bend Mutual	$290	$49
USAA	$956	$161
Erie	$982	$165
American Family	$1187	$200
Acuity	$1807	$304
State Farm	$2083	$351
Progressive	$3007	$506
Allstate	$3963	$667
Farmers	$4252	$709

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 Gays Mills.

As young drivers face the highest rates in Gays Mills, USAA offers the cheapest auto insurance rates at $532 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 Gays Mills, Western National is the cheapest car insurance provider. At $165 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 Gays Mills is Allstate, offering rates of around $2044 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$165	$28
AAA	$184	$31
West Bend Mutual	$238	$40
Chubb	$264	$44
IMT Insurance Company	$264	$44
Travelers	$310	$52
Acuity	$653	$110
American Family	$751	$127
State Farm	$805	$134
Erie	$870	$147
Progressive	$1016	$171
Allstate	$2044	$347

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Save up to $971/yr on car insurance rates in Gays Mills.

Car Insurance Rates with An Accident in Gays Mills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Gays Mills

The cheapest car insurance companies after an at-fault accident in Gays Mills include Western National and Rural Mutual, offering $165 and $191, respectively. Allstate is an expensive provider with an average six-month premium of $2005.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$165	$28
Rural Mutual	$191	$32
Auto-Owners Insurance Co	$251	$42
AAA	$258	$43
Chubb	$264	$44
Travelers	$264	$44
West Bend	$276	$47
West Bend Mutual	$330	$57
Auto-Owners	$343	$57
Erie	$527	$89
USAA	$527	$89
American Family	$798	$134
Acuity	$837	$141
State Farm	$844	$142
Farmers	$1595	$266
Progressive	$1774	$299
Allstate	$2005	$337

Gays Mills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gays Mills WI. For example, the car insurance in Gays Mills after a DUI increases to $877 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Gays Mills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$942	$158
One Med/PIP claim	$949	$161
Not-at-fault accident	$989	$165
One comp claim	$1002	$171
Two Med/PIP claims	$1016	$169
Failure to show documents	$1029	$175
Driving with expired registration	$1055	$175
Failure to wear a seat belt	$1061	$181
Two comp claims	$1081	$180
Driving without lights	$1121	$191
Child safety restraint	$1128	$188
Speeding 6 - 10 MPH over limit	$1134	$193
At-fault accident - less than $1000	$1148	$191
Cell phone violation	$1154	$196
Driving too slowly	$1160	$193
Failure to yield	$1160	$198
Speeding in school zone	$1160	$193
Illegal turn	$1167	$199
Speeding 11 - 15 MPH over limit	$1167	$194
Speeding 16 - 20 MPH over limit	$1167	$199
Texting while driving	$1167	$194
Wrong way/wrong lane	$1167	$199
Failure to stop at a red light	$1180	$196
Following too closely	$1180	$201
Improper passing	$1213	$202
Passing school bus	$1233	$210
In 65 MPH zone	$1299	$216
At-fault accident - $1000-$2000	$1352	$230
Speeding 21 - 25 MPH over limit	$1352	$225
Operating a vehicle without permission	$1359	$231
At-fault accident - greater than $2000	$1365	$228
Open container	$1378	$234
Reckless driving	$1780	$296
Racing	$1787	$304
Refusal to submit to a chemical test	$1800	$300
Driving with a suspended license	$1807	$307
Leaving scene of an accident/hit and run	$1814	$302
DUI	$1819	$310

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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 Gays Mills 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 Gays Mills.

The cheapest car insurance premiums in Gays Mills are offered by Western National at $165 for a six-month policy. However, it can be as expensive as $1602 with companies like Allstate.

Gays Mills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$165	$28
Chubb	$264	$44
Travelers	$310	$52
West Bend	$370	$61
Kemper	$376	$64
USAA	$693	$117
Erie	$718	$121
American Family	$818	$138
Progressive	$982	$165
State Farm	$1055	$178
Farmers	$1536	$261
Acuity	$1550	$259
Allstate	$1602	$270

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 Gays Mills are offered by Western National at $165. However, it can be as expensive as $1490 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gays Mills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$165	$28
AAA	$211	$36
Auto-Owners Insurance Co	$231	$39
Travelers	$258	$43
Chubb	$264	$44
West Bend Mutual	$303	$51
Erie	$468	$79
State Farm	$547	$92
American Family	$554	$93
Acuity	$659	$111
Progressive	$870	$147
Allstate	$1490	$253

Car Insurance Price Trends in Gays Mills, Wisconsin

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

The average cost of full coverage in the Gays Mills rose by $139 in December compared to $135 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 Gays Mills rose to $38 in December, compared to $36 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 Gays Mills?

The car insurance in Gays Mills is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Gays Mills?

The cheapest car insurance in Gays Mills is $52 per month for full coverage.

How much is car insurance in Gays Mills for teenagers?

Car insurance for teenagers costs $218 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 Gays Mills?

The average cost of car insurance is $677 for a six-month policy. It will cost around $127 per month to insure your car in Gays Mills.

Is car insurance expensive in Gays Mills?

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

Cheapest Car Insurance Quotes in Gays Mills

Why you can trust Way?

How Much Is Car Insurance in Gays Mills

Avg. Car Insurance in Gays Mills

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Gays Mills

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Gays Mills Car Insurance Rates by Company

Cheap Car Insurance Companies in Gays Mills, WI

Way's key takeaways about car insurance in Gays Mills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gays Mills

Cheapest Liability Coverage in Gays Mills, WI

Cheapest Full Coverage Car Insurance in Gays Mills

Cheapest Full Coverage Car Insurance Quotes in Gays Mills, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gays Mills by Rating Factor

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

Car Insurance Premiums by Age in Gays Mills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gays Mills,WI

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

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 Gays Mills

Cheapest Car Insurance Companies after an At-Fault Accident in Gays Mills

Gays Mills Car Insurance Rates by Violation

Gays Mills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gays Mills after a DUI

Gays Mills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gays Mills after Speeding ticket

Car Insurance Price Trends in Gays Mills, Wisconsin

Average Car Insurance Cost in Gays Mills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gays Mills, WI

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

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