Cheapest Car Insurance Quotes in Hobart

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Hobart Car Insurance

^$ 17

/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 Hobart

The car insurance rate in Hobart is $562 for a six-month policy, which is $115 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $232, making it a popular choice for budget-conscious drivers. Rates in Hobart 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 Hobart

$562

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Hobart

1st place: AAA

At $232 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 $345 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 $379 for six months, making it the third cheapest auto insurance company in Hobart.

Hobart Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hobart, WI is AAA, offering policies at just $232 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $345.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $631 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hobart drivers find the best deals.

Cheap Car Insurance Companies in Hobart, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$232	$39
West Bend Mutual	$345	$57
IMT Insurance Company	$379	$65
Auto-Owners Insurance Co	$384	$64
Chubb	$394	$67
Acuity	$424	$71
American Family	$429	$72
Travelers	$439	$74
Erie	$513	$86
USAA	$597	$100
Rockford Mutual	$626	$106
Nationwide	$676	$114
Rural Mutual	$696	$118
State Farm	$696	$117
Progressive	$813	$137
Farmers	$867	$144
Allstate	$1006	$169
Secura	$533	$89
Hastings Mutual	$631	$107

Key Takeaways

Way's key takeaways about car insurance in Hobart

The auto insurance costs in Hobart fall around $232 for six months.
The cheapest auto insurance company in Hobart is AAA.
Teen drivers pay the highest rate in Hobart at $530 per month.

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Cheapest Minimum Liability Car Insurance in Hobart

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 Hobart are given below.

AAA provides the cheapest minimum car insurance coverage in Hobart. Their Average 6 Month Premium is $99. Secura is the most expensive at $133 for the same period.

Cheapest Liability Coverage in Hobart, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$99	$17
Rural Mutual	$109	$18
Western National	$119	$20
Erie	$133	$22
USAA	$143	$24
West Bend Mutual	$148	$25
Auto-Owners Insurance Co	$153	$26
Acuity	$158	$27
American Family	$163	$27
Travelers	$163	$27
Progressive	$168	$28
Chubb	$173	$29
State Farm	$188	$32
Farmers	$291	$50
Allstate	$384	$65
Secura	$133	$22

Cheapest Full Coverage Car Insurance in Hobart

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 Hobart is AAA at $39 per month and $232 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hobart, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$232	$39
West Bend Mutual	$345	$57
IMT Insurance Company	$379	$65
Auto-Owners Insurance Co	$384	$64
Chubb	$394	$67
Acuity	$424	$71
American Family	$429	$72
Travelers	$439	$74
Erie	$513	$86
USAA	$597	$100
Rockford Mutual	$626	$106
Nationwide	$676	$114
Rural Mutual	$696	$118
State Farm	$696	$117
Progressive	$813	$137
Farmers	$867	$144
Allstate	$1006	$169
Secura	$533	$89
Hastings Mutual	$631	$107

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Average Car Insurance in Hobart 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 Hobart, WI increasing?

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

Car Insurance Premiums by Age in Hobart

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	$398
30s	USAA	$320
40s	USAA	$290
50s	USAA	$275
60s	USAA	$286
70s	USAA	$353

Cheapest Car Insurance Rates for Teen Drivers in Hobart,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Hobart at $27 per month. At $3180 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$163	$27
Travelers	$168	$28
Auto-Owners Insurance Co	$193	$32
Western National	$193	$32
West Bend Mutual	$217	$37
USAA	$715	$120
Erie	$735	$124
American Family	$887	$149
Acuity	$1351	$227
State Farm	$1558	$262
Progressive	$2248	$378
Allstate	$2963	$499
Farmers	$3180	$530

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 Hobart.

As young drivers face the highest rates in Hobart, USAA offers the cheapest auto insurance rates at $398 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 Hobart, Western National is the cheapest car insurance provider. At $124 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 Hobart is Allstate, offering rates of around $1528 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$124	$21
AAA	$138	$23
West Bend Mutual	$178	$30
Chubb	$198	$33
IMT Insurance Company	$198	$33
Travelers	$232	$39
Acuity	$488	$82
American Family	$562	$95
State Farm	$602	$100
Erie	$651	$110
Progressive	$759	$128
Allstate	$1528	$260

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Car Insurance Rates with An Accident in Hobart

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

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

The cheapest car insurance companies after an at-fault accident in Hobart include Western National and Rural Mutual, offering $124 and $143, respectively. Allstate is an expensive provider with an average six-month premium of $1499.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$124	$21
Rural Mutual	$143	$24
Auto-Owners Insurance Co	$188	$32
AAA	$193	$32
Chubb	$198	$33
Travelers	$198	$33
West Bend	$207	$35
West Bend Mutual	$247	$42
Auto-Owners	$256	$42
Erie	$394	$66
USAA	$394	$66
American Family	$597	$100
Acuity	$626	$105
State Farm	$631	$106
Farmers	$1193	$199
Progressive	$1326	$223
Allstate	$1499	$252

Hobart Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hobart WI. For example, the car insurance in Hobart after a DUI increases to $655 for a six month policy. While the rate increases by $143 for a six-month policy in the case of a speeding ticket.

Hobart auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$705	$118
One Med/PIP claim	$710	$120
Not-at-fault accident	$740	$124
One comp claim	$749	$128
Two Med/PIP claims	$759	$126
Failure to show documents	$769	$131
Driving with expired registration	$789	$131
Failure to wear a seat belt	$793	$135
Two comp claims	$808	$134
Driving without lights	$838	$143
Child safety restraint	$843	$140
Speeding 6 - 10 MPH over limit	$848	$144
At-fault accident - less than $1000	$858	$143
Cell phone violation	$863	$147
Driving too slowly	$867	$144
Failure to yield	$867	$148
Speeding in school zone	$867	$144
Illegal turn	$872	$149
Speeding 11 - 15 MPH over limit	$872	$145
Speeding 16 - 20 MPH over limit	$872	$149
Texting while driving	$872	$145
Wrong way/wrong lane	$872	$149
Failure to stop at a red light	$882	$147
Following too closely	$882	$150
Improper passing	$907	$151
Passing school bus	$922	$157
In 65 MPH zone	$971	$162
At-fault accident - $1000-$2000	$1011	$172
Speeding 21 - 25 MPH over limit	$1011	$168
Operating a vehicle without permission	$1016	$173
At-fault accident - greater than $2000	$1021	$170
Open container	$1030	$175
Reckless driving	$1331	$222
Racing	$1336	$227
Refusal to submit to a chemical test	$1346	$224
Driving with a suspended license	$1351	$230
Leaving scene of an accident/hit and run	$1356	$226
DUI	$1360	$232

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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 Hobart 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 Hobart.

The cheapest car insurance premiums in Hobart are offered by Western National at $124 for a six-month policy. However, it can be as expensive as $1198 with companies like Allstate.

Hobart car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$124	$21
Chubb	$198	$33
Travelers	$232	$39
West Bend	$276	$46
Kemper	$281	$48
USAA	$518	$87
Erie	$537	$90
American Family	$612	$103
Progressive	$735	$124
State Farm	$789	$133
Farmers	$1149	$195
Acuity	$1159	$193
Allstate	$1198	$202

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 Hobart are offered by Western National at $124. However, it can be as expensive as $1114 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Hobart after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$124	$21
AAA	$158	$27
Auto-Owners Insurance Co	$173	$29
Travelers	$193	$32
Chubb	$198	$33
West Bend Mutual	$227	$38
Erie	$350	$59
State Farm	$409	$69
American Family	$414	$70
Acuity	$493	$83
Progressive	$651	$110
Allstate	$1114	$189

Car Insurance Price Trends in Hobart, Wisconsin

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

The average cost of full coverage in the Hobart rose by $104 in December compared to $101 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 Hobart rose to $28 in December, compared to $27 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Hobart?

The car insurance in Hobart is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Hobart?

The cheapest car insurance in Hobart is $39 per month for full coverage.

How much is car insurance in Hobart for teenagers?

Car insurance for teenagers costs $163 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 Hobart?

The average cost of car insurance is $677 for a six-month policy. It will cost around $95 per month to insure your car in Hobart.

Is car insurance expensive in Hobart?

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

Cheapest Car Insurance Quotes in Hobart

Why you can trust Way?

How Much Is Car Insurance in Hobart

Avg. Car Insurance in Hobart

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Hobart

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Hobart Car Insurance Rates by Company

Cheap Car Insurance Companies in Hobart, WI

Way's key takeaways about car insurance in Hobart

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hobart

Cheapest Liability Coverage in Hobart, WI

Cheapest Full Coverage Car Insurance in Hobart

Cheapest Full Coverage Car Insurance Quotes in Hobart, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hobart by Rating Factor

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

Car Insurance Premiums by Age in Hobart

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hobart,WI

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

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 Hobart

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

Hobart Car Insurance Rates by Violation

Hobart auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hobart after a DUI

Hobart car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hobart after Speeding ticket

Car Insurance Price Trends in Hobart, Wisconsin

Average Car Insurance Cost in Hobart by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hobart, WI

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

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