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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 $806 for a six-month policy, which is $129 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $332, 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 $332 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 $495 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 $544
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 $332 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $495.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $904 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 $332 for six
months.
The cheapest auto insurance company in Hertel is AAA.
Teen drivers pay the highest rate in Hertel at $760 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 $142.
Secura is the most
expensive at $190 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 $56 per month and $332
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
$570
30s
USAA
$458
40s
USAA
$415
50s
USAA
$394
60s
USAA
$411
70s
USAA
$506
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 $39
per
month. At $4559 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 Hertel.
As young drivers face the highest rates in Hertel, USAA
offers the cheapest auto insurance rates at $570 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 $177 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 Allstate, offering
rates of around $2191 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 $177
and $205,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2149.
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 $940 for a six
month policy. While the rate increases by $206 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
$1010
$169
One Med/PIP claim
$1017
$173
Not-at-fault accident
$1060
$177
One comp claim
$1075
$183
Two Med/PIP claims
$1089
$181
Failure to show documents
$1103
$188
Driving with expired registration
$1131
$188
Failure to wear a seat belt
$1138
$194
Two comp claims
$1159
$193
Driving without lights
$1202
$205
Child safety restraint
$1209
$201
Speeding 6 - 10 MPH over limit
$1216
$207
At-fault accident - less than $1000
$1230
$205
Cell phone violation
$1238
$211
Driving too slowly
$1244
$207
Failure to yield
$1244
$212
Speeding in school zone
$1244
$207
Illegal turn
$1251
$213
Speeding 11 - 15 MPH over limit
$1251
$208
Speeding 16 - 20 MPH over limit
$1251
$213
Texting while driving
$1251
$208
Wrong way/wrong lane
$1251
$213
Failure to stop at a red light
$1265
$211
Following too closely
$1265
$215
Improper passing
$1301
$217
Passing school bus
$1322
$225
In 65 MPH zone
$1392
$232
At-fault accident - $1000-$2000
$1449
$246
Speeding 21 - 25 MPH over limit
$1449
$242
Operating a vehicle without permission
$1457
$248
At-fault accident - greater than $2000
$1464
$244
Open container
$1477
$251
Reckless driving
$1909
$318
Racing
$1916
$326
Refusal to submit to a chemical test
$1930
$321
Driving with a suspended license
$1937
$330
Leaving scene of an accident/hit and run
$1944
$324
DUI
$1950
$332
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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 $177 for a six-month policy.
However, it can be as
expensive as $1717 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 Hertel are offered by Western National
at $177. However,
it can be as expensive as $1597
with companies like Allstate 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
$149 in December
compared to $145 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 Hertel rose to $40 in December,
compared to $38 in November.
This represents an increase of $2
when comparing December and November.
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 $1611 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 $24 per month, which is lower than the national average.
What is the cheapest car insurance in Hertel?
The cheapest car insurance in Hertel
is $56 per month
for full coverage.
How much is car insurance in Hertel for teenagers?
Car insurance for teenagers costs $233 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 $677 for a six-month
policy. It will cost around $136 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 $332 for a
six-month policy.
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Hertel Car Insurance
