Cheapest Car Insurance Quotes in Gratiot

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Gratiot Car Insurance

^$ 20

/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 Gratiot

The car insurance rate in Gratiot is $752 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $282, making it a popular choice for budget-conscious drivers. Rates in Gratiot 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 Gratiot

$752

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Gratiot

1st place: AAA

At $282 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 $420 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 $462 for six months, making it the third cheapest auto insurance company in Gratiot.

Gratiot Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gratiot, WI is AAA, offering policies at just $282 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $420.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $768 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gratiot drivers find the best deals.

Cheap Car Insurance Companies in Gratiot, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$282	$47
West Bend Mutual	$420	$70
IMT Insurance Company	$462	$79
Auto-Owners Insurance Co	$468	$78
Chubb	$480	$82
Travelers	$534	$90
American Family	$540	$91
Erie	$660	$111
USAA	$702	$118
Acuity	$720	$121
Rockford Mutual	$762	$129
Nationwide	$822	$138
Rural Mutual	$846	$143
Auto-Owners	$960	$160
West Bend	$972	$166
State Farm	$1026	$173
Farmers	$1055	$180
Allstate	$1266	$213
Progressive	$1422	$239
Secura	$648	$108
Hastings Mutual	$768	$130

Key Takeaways

Way's key takeaways about car insurance in Gratiot

The auto insurance costs in Gratiot fall around $282 for six months.
The cheapest auto insurance company in Gratiot is AAA.
Teen drivers pay the highest rate in Gratiot at $654 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 Gratiot

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 Gratiot are given below.

AAA provides the cheapest minimum car insurance coverage in Gratiot. Their Average 6 Month Premium is $120. Secura is the most expensive at $162 for the same period.

Cheapest Liability Coverage in Gratiot, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$120	$20
Rural Mutual	$132	$22
Western National	$144	$24
Erie	$162	$27
USAA	$168	$28
West Bend Mutual	$180	$30
Auto-Owners Insurance Co	$186	$31
Travelers	$198	$33
Acuity	$204	$34
American Family	$204	$34
Chubb	$210	$35
Auto-Owners	$228	$38
Progressive	$240	$40
State Farm	$251	$42
West Bend	$282	$47
Farmers	$354	$61
Allstate	$462	$78
Secura	$162	$27

Cheapest Full Coverage Car Insurance in Gratiot

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 Gratiot is AAA at $47 per month and $282 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gratiot, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$282	$47
West Bend Mutual	$420	$70
IMT Insurance Company	$462	$79
Auto-Owners Insurance Co	$468	$78
Chubb	$480	$82
Travelers	$534	$90
American Family	$540	$91
Erie	$660	$111
USAA	$702	$118
Acuity	$720	$121
Rockford Mutual	$762	$129
Nationwide	$822	$138
Rural Mutual	$846	$143
Auto-Owners	$960	$160
West Bend	$972	$166
State Farm	$1026	$173
Farmers	$1055	$180
Allstate	$1266	$213
Progressive	$1422	$239
Secura	$648	$108
Hastings Mutual	$768	$130

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Average Car Insurance in Gratiot 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 Gratiot, WI increasing?

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

Car Insurance Premiums by Age in Gratiot

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	$499
30s	USAA	$401
40s	USAA	$364
50s	USAA	$345
60s	USAA	$359
70s	USAA	$442

Cheapest Car Insurance Rates for Teen Drivers in Gratiot,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Gratiot at $33 per month. At $3887 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$198	$33
Travelers	$204	$34
Auto-Owners Insurance Co	$234	$39
Western National	$234	$39
West Bend Mutual	$264	$44
Erie	$984	$166
USAA	$1038	$175
American Family	$1122	$189
West Bend	$1842	$313
State Farm	$2244	$378
Auto-Owners	$2304	$392
Acuity	$2484	$418
Allstate	$3696	$622
Farmers	$3869	$645
Progressive	$3887	$654

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 Gratiot.

As young drivers face the highest rates in Gratiot, USAA offers the cheapest auto insurance rates at $499 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 Gratiot, Western National is the cheapest car insurance provider. At $150 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 Gratiot is AutoOwners, offering rates of around $3522 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
AAA	$168	$28
West Bend Mutual	$216	$36
Chubb	$240	$40
IMT Insurance Company	$240	$40
Travelers	$282	$47
American Family	$726	$122
Acuity	$900	$152
Erie	$966	$163
State Farm	$1092	$182
USAA	$1230	$209
West Bend	$1422	$237
Progressive	$1626	$274
Allstate	$1998	$333
Auto-Owners	$3522	$599

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Gratiot

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

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

The cheapest car insurance companies after an at-fault accident in Gratiot include Western National and Rural Mutual, offering $150 and $174, respectively. Progressive is an expensive provider with an average six-month premium of $2376.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
Rural Mutual	$174	$29
Auto-Owners Insurance Co	$228	$38
AAA	$234	$39
Chubb	$240	$40
Travelers	$240	$40
West Bend Mutual	$300	$51
West Bend	$510	$86
Erie	$534	$90
USAA	$612	$103
Auto-Owners	$696	$117
American Family	$755	$127
State Farm	$906	$153
Acuity	$1104	$186
Farmers	$1451	$242
Allstate	$1896	$319
Progressive	$2376	$400

Gratiot Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gratiot WI. For example, the car insurance in Gratiot after a DUI increases to $798 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Gratiot auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$857	$143
One Med/PIP claim	$864	$146
Not-at-fault accident	$900	$150
One comp claim	$912	$156
Two Med/PIP claims	$924	$154
Failure to show documents	$936	$160
Driving with expired registration	$960	$160
Failure to wear a seat belt	$966	$165
Two comp claims	$984	$164
Driving without lights	$1020	$174
Child safety restraint	$1026	$171
Speeding 6 - 10 MPH over limit	$1032	$176
At-fault accident - less than $1000	$1044	$174
Cell phone violation	$1050	$179
Driving too slowly	$1055	$176
Failure to yield	$1055	$180
Speeding in school zone	$1055	$176
Illegal turn	$1062	$181
Speeding 11 - 15 MPH over limit	$1062	$177
Speeding 16 - 20 MPH over limit	$1062	$181
Texting while driving	$1062	$177
Wrong way/wrong lane	$1062	$181
Failure to stop at a red light	$1074	$179
Following too closely	$1074	$183
Improper passing	$1104	$184
Passing school bus	$1122	$191
In 65 MPH zone	$1182	$197
At-fault accident - $1000-$2000	$1230	$209
Speeding 21 - 25 MPH over limit	$1230	$205
Operating a vehicle without permission	$1236	$210
At-fault accident - greater than $2000	$1242	$207
Open container	$1253	$213
Reckless driving	$1620	$270
Racing	$1626	$277
Refusal to submit to a chemical test	$1638	$273
Driving with a suspended license	$1644	$280
Leaving scene of an accident/hit and run	$1650	$275
DUI	$1655	$282

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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 Gratiot 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 Gratiot.

The cheapest car insurance premiums in Gratiot are offered by Western National at $150 for a six-month policy. However, it can be as expensive as $2208 with companies like Acuity.

Gratiot car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
Chubb	$240	$40
Travelers	$282	$47
Kemper	$342	$57
West Bend	$702	$118
Erie	$744	$125
American Family	$774	$130
USAA	$804	$135
State Farm	$1176	$198
Progressive	$1302	$219
Farmers	$1398	$237
Allstate	$1518	$256
Auto-Owners	$1578	$269
Acuity	$2208	$368

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 Gratiot are offered by Western National at $150. However, it can be as expensive as $1542 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Gratiot after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
AAA	$192	$32
Auto-Owners Insurance Co	$210	$35
Travelers	$234	$39
Chubb	$240	$40
West Bend Mutual	$276	$46
Erie	$510	$86
American Family	$534	$90
State Farm	$690	$116
USAA	$732	$124
Acuity	$882	$148
Auto-Owners	$960	$164
West Bend	$1098	$183
Allstate	$1457	$247
Progressive	$1542	$260

Car Insurance Price Trends in Gratiot, Wisconsin

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

The average cost of full coverage in the Gratiot rose by $159 in January compared to $126 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 Gratiot rose to $35 in January, compared to $34 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 Gratiot?

The car insurance in Gratiot is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Gratiot?

The cheapest car insurance in Gratiot is $47 per month for full coverage.

How much is car insurance in Gratiot for teenagers?

Car insurance for teenagers costs $198 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 Gratiot?

The average cost of car insurance is $745 for a six-month policy. It will cost around $126 per month to insure your car in Gratiot.

Is car insurance expensive in Gratiot?

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

Cheapest Car Insurance Quotes in Gratiot

Why you can trust Way?

How Much Is Car Insurance in Gratiot

Avg. Car Insurance in Gratiot

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Gratiot

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Gratiot Car Insurance Rates by Company

Cheap Car Insurance Companies in Gratiot, WI

Way's key takeaways about car insurance in Gratiot

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gratiot

Cheapest Liability Coverage in Gratiot, WI

Cheapest Full Coverage Car Insurance in Gratiot

Cheapest Full Coverage Car Insurance Quotes in Gratiot, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gratiot by Rating Factor

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

Car Insurance Premiums by Age in Gratiot

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gratiot,WI

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

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 Gratiot

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

Gratiot Car Insurance Rates by Violation

Gratiot auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gratiot after a DUI

Gratiot car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gratiot after Speeding ticket

Car Insurance Price Trends in Gratiot, Wisconsin

Average Car Insurance Cost in Gratiot by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gratiot, WI

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

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