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Finding the cheapest car insurance quotes in Hertel 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 Hertel
The car insurance rate in Hertel is $939 for a six-month policy, which is $194 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $352, making it a popular choice for budget-conscious drivers. Rates in Hertel 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 $352 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 $524 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 $576
for six months, making it
the third cheapest auto insurance company in Hertel.
Hertel Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hertel, WI is AAA, offering policies at just $352 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $524.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $958 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hertel drivers find the best deals.
The auto insurance costs in Hertel fall around $352 for six
months.
The cheapest auto insurance company in Hertel is AAA.
Teen drivers pay the highest rate in Hertel at $816 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 Hertel
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 Hertel are given below.
AAA provides
the cheapest minimum car insurance
coverage in Hertel. Their Average 6 Month Premium is $150.
Secura is the most
expensive at $202 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 Hertel is AAA
at $59 per month and $352
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hertel,
WI
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 Hertel, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hertel, 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, Hertel's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hertel
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
$622
30s
USAA
$500
40s
USAA
$454
50s
USAA
$431
60s
USAA
$447
70s
USAA
$552
Cheapest Car Insurance Rates for Teen Drivers in
Hertel,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Hertel at $42
per
month. At $4850 for a six-month premium,
Progressive offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Hertel.
As young drivers face the highest rates in Hertel, USAA
offers the cheapest auto insurance rates at $622 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 Hertel,
Western National is
the cheapest car insurance provider. At $188 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
Hertel is AutoOwners, offering
rates of around $4394 for six
months.
Save up to $971/yr on car insurance rates in Hertel.
Car Insurance Rates with An Accident in Hertel
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 Hertel, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hertel
The cheapest car insurance companies after an at-fault accident in
Hertel include Western National
and Rural Mutual, offering $188
and $217,
respectively. Progressive is an expensive provider
with an average six-month premium of
$2964.
Here is a list of driving violations that can increase your car
insurance rates in Hertel WI. For example, the car
insurance in Hertel
after a DUI increases to $995 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
Hertel auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1070
$179
One Med/PIP claim
$1077
$183
Not-at-fault accident
$1123
$188
One comp claim
$1138
$194
Two Med/PIP claims
$1153
$192
Failure to show documents
$1168
$199
Driving with expired registration
$1197
$199
Failure to wear a seat belt
$1205
$205
Two comp claims
$1227
$204
Driving without lights
$1273
$217
Child safety restraint
$1280
$213
Speeding 6 - 10 MPH over limit
$1288
$219
At-fault accident - less than $1000
$1303
$217
Cell phone violation
$1310
$223
Driving too slowly
$1317
$219
Failure to yield
$1317
$224
Speeding in school zone
$1317
$219
Illegal turn
$1324
$226
Speeding 11 - 15 MPH over limit
$1324
$221
Speeding 16 - 20 MPH over limit
$1324
$226
Texting while driving
$1324
$221
Wrong way/wrong lane
$1324
$226
Failure to stop at a red light
$1339
$223
Following too closely
$1339
$228
Improper passing
$1377
$229
Passing school bus
$1400
$238
In 65 MPH zone
$1474
$246
At-fault accident - $1000-$2000
$1535
$261
Speeding 21 - 25 MPH over limit
$1535
$256
Operating a vehicle without permission
$1542
$262
At-fault accident - greater than $2000
$1550
$258
Open container
$1564
$266
Reckless driving
$2021
$336
Racing
$2029
$345
Refusal to submit to a chemical test
$2044
$340
Driving with a suspended license
$2051
$349
Leaving scene of an accident/hit and run
$2059
$343
DUI
$2065
$352
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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 Hertel 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 Hertel.
The cheapest car insurance premiums in
Hertel are
offered by Western National at $188 for a six-month policy.
However, it can be as
expensive as $2754 with companies
like Acuity.
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 Hertel are offered by Western National
at $188. However,
it can be as expensive as $1924
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Hertel after Speeding ticket
Car insurance rates in Hertel have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hertel rose by
$198 in January
compared to $158 of December. In other words, there has been an increase by $40 when you
compare January and December.
The average cost of liability insurance in the Hertel rose to $44 in January,
compared to $43 in December.
This represents an increase of $1
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Hertel. At $1877 for a
six-month policy, insuring
your car at 54845 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 Hertel?
The car insurance in Hertel is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Hertel?
The cheapest car insurance in Hertel
is $59 per month
for full coverage.
How much is car insurance in Hertel for teenagers?
Car insurance for teenagers costs $247 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
Hertel?
The average cost of car insurance is $745 for a six-month
policy. It will cost around $158 per month to insure your
car in Hertel.
Is car insurance expensive in Hertel?
Car insurance can be expensive in Hertel if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hertel can be
affordable.
What is the best car insurance in Hertel,
WI?
The best car insurance company in Hertel
WI is
AAA, offering $352 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hertel, WI
Car Insurance Rates by State in the USA (2025 Update)
Hertel Car Insurance
