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Cheapest Car Insurance Quotes in Heafford Junction
Finding the cheapest car insurance quotes in Heafford Junction 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 Heafford Junction
The car insurance rate in Heafford Junction is $846 for a six-month policy, which is $169 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $349, making it a popular choice for budget-conscious drivers. Rates in Heafford Junction 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.
Cheapest Car Insurance Companies in Heafford Junction
1st place: AAA
At $349 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 $520 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 $571
for six months, making it
the third cheapest auto insurance company in Heafford Junction.
Heafford Junction Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Heafford Junction, WI is AAA, offering policies at just $349 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $520.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $950 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Heafford Junction drivers find the best deals.
Cheap Car Insurance Companies in Heafford Junction, WI
Way's key takeaways about car insurance in Heafford Junction
The auto insurance costs in Heafford Junction fall around $349 for six
months.
The cheapest auto insurance company in Heafford Junction is AAA.
Teen drivers pay the highest rate in Heafford Junction at $799 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 Heafford Junction
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 Heafford Junction are given below.
AAA provides
the cheapest minimum car insurance
coverage in Heafford Junction. Their Average 6 Month Premium is $149.
Secura is the most
expensive at $200 for the same
period.
Cheapest Liability Coverage in Heafford Junction, WI
Cheapest Full Coverage Car Insurance in Heafford Junction
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 Heafford Junction is AAA
at $59 per month and $349
for six months.
Cheapest Full Coverage Car Insurance Quotes in Heafford Junction,
WI
Get Your Car Insurance Quote in Heafford Junction
Instantly!
Average Car Insurance in Heafford Junction 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 Heafford Junction, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Heafford Junction, 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, Heafford Junction's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Heafford Junction
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
$599
30s
USAA
$481
40s
USAA
$436
50s
USAA
$414
60s
USAA
$431
70s
USAA
$531
Cheapest Car Insurance Rates for Teen Drivers in
Heafford Junction,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Heafford Junction at $41
per
month. At $4789 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 Heafford Junction.
As young drivers face the highest rates in Heafford Junction, USAA
offers the cheapest auto insurance rates at $599 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 Heafford Junction,
Western National is
the cheapest car insurance provider. At $186 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
Heafford Junction is Allstate, offering
rates of around $2301 for six
months.
Save up to $971/yr on car insurance rates in Heafford Junction.
Car Insurance Rates with An Accident in Heafford Junction
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 Heafford Junction, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Heafford Junction
The cheapest car insurance companies after an at-fault accident in
Heafford Junction include Western National
and Rural Mutual, offering $186
and $215,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2258.
Heafford Junction Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Heafford Junction WI. For example, the car
insurance in Heafford Junction
after a DUI increases to $988 for a six
month policy. While the rate increases by $217 for a six-month policy in the case of
a speeding ticket.
Heafford Junction auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1061
$178
One Med/PIP claim
$1069
$181
Not-at-fault accident
$1114
$186
One comp claim
$1129
$193
Two Med/PIP claims
$1144
$190
Failure to show documents
$1159
$198
Driving with expired registration
$1188
$198
Failure to wear a seat belt
$1195
$204
Two comp claims
$1218
$203
Driving without lights
$1263
$215
Child safety restraint
$1270
$211
Speeding 6 - 10 MPH over limit
$1278
$218
At-fault accident - less than $1000
$1293
$215
Cell phone violation
$1300
$221
Driving too slowly
$1306
$218
Failure to yield
$1306
$223
Speeding in school zone
$1306
$218
Illegal turn
$1314
$224
Speeding 11 - 15 MPH over limit
$1314
$219
Speeding 16 - 20 MPH over limit
$1314
$224
Texting while driving
$1314
$219
Wrong way/wrong lane
$1314
$224
Failure to stop at a red light
$1329
$221
Following too closely
$1329
$226
Improper passing
$1366
$228
Passing school bus
$1389
$236
In 65 MPH zone
$1463
$244
At-fault accident - $1000-$2000
$1523
$259
Speeding 21 - 25 MPH over limit
$1523
$254
Operating a vehicle without permission
$1530
$260
At-fault accident - greater than $2000
$1538
$256
Open container
$1551
$264
Reckless driving
$2005
$334
Racing
$2013
$343
Refusal to submit to a chemical test
$2028
$338
Driving with a suspended license
$2035
$346
Leaving scene of an accident/hit and run
$2043
$340
DUI
$2049
$349
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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 Heafford Junction 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 Heafford Junction.
The cheapest car insurance premiums in
Heafford Junction are
offered by Western National at $186 for a six-month policy.
However, it can be as
expensive as $1804 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 Heafford Junction are offered by Western National
at $186. However,
it can be as expensive as $1678
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Heafford Junction after Speeding ticket
Car Insurance Price Trends in Heafford Junction,
Wisconsin
Car insurance rates in Heafford Junction have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Heafford Junction rose by
$156 in December
compared to $153 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 Heafford Junction rose to $43 in December,
compared to $40 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Heafford Junction 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
Heafford Junction. 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 Heafford Junction?
The car insurance in Heafford Junction is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Heafford Junction?
The cheapest car insurance in Heafford Junction
is $59 per month
for full coverage.
How much is car insurance in Heafford Junction for teenagers?
Car insurance for teenagers costs $245 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
Heafford Junction?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $143 per month to insure your
car in Heafford Junction.
Is car insurance expensive in Heafford Junction?
Car insurance can be expensive in Heafford Junction if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Heafford Junction can be
affordable.
What is the best car insurance in Heafford Junction,
WI?
The best car insurance company in Heafford Junction
WI is
AAA, offering $349 for a
six-month policy.
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Cut auto insurance costs in Heafford Junction right now.
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Heafford Junction Car Insurance
