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Finding the cheapest car insurance quotes in Hillpoint 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 Hillpoint
The car insurance rate in Hillpoint is $697 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $287, making it a popular choice for budget-conscious drivers. Rates in Hillpoint 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 $287 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 $428 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 $471
for six months, making it
the third cheapest auto insurance company in Hillpoint.
Hillpoint Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Hillpoint, WI is AAA, offering policies at just $287 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $428.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $783 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillpoint drivers find the best deals.
Way's key takeaways about car insurance in Hillpoint
The auto insurance costs in Hillpoint fall around $287 for six
months.
The cheapest auto insurance company in Hillpoint is AAA.
Teen drivers pay the highest rate in Hillpoint at $658 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 Hillpoint
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 Hillpoint are given below.
AAA provides
the cheapest minimum car insurance
coverage in Hillpoint. Their Average 6 Month Premium is $123.
Secura is the most
expensive at $165 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 Hillpoint is AAA
at $48 per month and $287
for six months.
Cheapest Full Coverage Car Insurance Quotes in Hillpoint,
WI
Get Your Car Insurance Quote in Hillpoint
Instantly!
Average Car Insurance in Hillpoint 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 Hillpoint, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Hillpoint, 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, Hillpoint's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Hillpoint
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
$493
30s
USAA
$397
40s
USAA
$359
50s
USAA
$341
60s
USAA
$355
70s
USAA
$438
Cheapest Car Insurance Rates for Teen Drivers in
Hillpoint,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Hillpoint at $34
per
month. At $3946 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 Hillpoint.
As young drivers face the highest rates in Hillpoint, USAA
offers the cheapest auto insurance rates at $493 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 Hillpoint,
Western National is
the cheapest car insurance provider. At $153 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
Hillpoint is Allstate, offering
rates of around $1896 for six
months.
Save up to $971/yr on car insurance rates in Hillpoint.
Car Insurance Rates with An Accident in Hillpoint
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 Hillpoint, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Hillpoint
The cheapest car insurance companies after an at-fault accident in
Hillpoint include Western National
and Rural Mutual, offering $153
and $177,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1860.
Here is a list of driving violations that can increase your car
insurance rates in Hillpoint WI. For example, the car
insurance in Hillpoint
after a DUI increases to $814 for a six
month policy. While the rate increases by $179 for a six-month policy in the case of
a speeding ticket.
Hillpoint auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$874
$146
One Med/PIP claim
$881
$149
Not-at-fault accident
$918
$153
One comp claim
$930
$159
Two Med/PIP claims
$942
$157
Failure to show documents
$955
$163
Driving with expired registration
$979
$163
Failure to wear a seat belt
$985
$168
Two comp claims
$1003
$167
Driving without lights
$1040
$177
Child safety restraint
$1046
$174
Speeding 6 - 10 MPH over limit
$1053
$179
At-fault accident - less than $1000
$1065
$177
Cell phone violation
$1071
$182
Driving too slowly
$1076
$179
Failure to yield
$1076
$183
Speeding in school zone
$1076
$179
Illegal turn
$1083
$184
Speeding 11 - 15 MPH over limit
$1083
$180
Speeding 16 - 20 MPH over limit
$1083
$184
Texting while driving
$1083
$180
Wrong way/wrong lane
$1083
$184
Failure to stop at a red light
$1095
$182
Following too closely
$1095
$186
Improper passing
$1126
$187
Passing school bus
$1144
$195
In 65 MPH zone
$1205
$201
At-fault accident - $1000-$2000
$1255
$213
Speeding 21 - 25 MPH over limit
$1255
$209
Operating a vehicle without permission
$1261
$214
At-fault accident - greater than $2000
$1267
$211
Open container
$1278
$217
Reckless driving
$1652
$275
Racing
$1658
$282
Refusal to submit to a chemical test
$1671
$278
Driving with a suspended license
$1677
$285
Leaving scene of an accident/hit and run
$1683
$280
DUI
$1688
$287
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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 Hillpoint 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 Hillpoint.
The cheapest car insurance premiums in
Hillpoint are
offered by Western National at $153 for a six-month policy.
However, it can be as
expensive as $1486 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 Hillpoint are offered by Western National
at $153. However,
it can be as expensive as $1382
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Hillpoint after Speeding ticket
Car Insurance Price Trends in Hillpoint,
Wisconsin
Car insurance rates in Hillpoint have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Hillpoint rose by
$129 in December
compared to $126 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 Hillpoint rose to $35 in December,
compared to $33 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Hillpoint 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
Hillpoint. At $1394 for a
six-month policy, insuring
your car at 53937 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 Hillpoint?
The car insurance in Hillpoint is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Hillpoint?
The cheapest car insurance in Hillpoint
is $48 per month
for full coverage.
How much is car insurance in Hillpoint for teenagers?
Car insurance for teenagers costs $202 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
Hillpoint?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $117 per month to insure your
car in Hillpoint.
Is car insurance expensive in Hillpoint?
Car insurance can be expensive in Hillpoint if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Hillpoint can be
affordable.
What is the best car insurance in Hillpoint,
WI?
The best car insurance company in Hillpoint
WI is
AAA, offering $287 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Hillpoint, WI
Car Insurance Rates by State in the USA (2025 Update)
Hillpoint Car Insurance
