Cheapest Car Insurance Quotes in Jim Falls

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Jim Falls Car Insurance

^$ 20

/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 Jim Falls

The car insurance rate in Jim Falls is $684 for a six-month policy, which is $7 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $282, making it a popular choice for budget-conscious drivers. Rates in Jim Falls 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 Jim Falls

$684

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Jim Falls

1st place: AAA

At $282 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 $420 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 $462 for six months, making it the third cheapest auto insurance company in Jim Falls.

Jim Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jim Falls, WI is AAA, offering policies at just $282 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $420.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $768 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jim Falls drivers find the best deals.

Cheap Car Insurance Companies in Jim Falls, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$282	$47
West Bend Mutual	$420	$70
IMT Insurance Company	$462	$79
Auto-Owners Insurance Co	$468	$78
Chubb	$480	$82
Acuity	$516	$87
American Family	$522	$88
Travelers	$534	$90
Erie	$624	$105
USAA	$726	$122
Rockford Mutual	$762	$129
Nationwide	$822	$138
Rural Mutual	$846	$143
State Farm	$846	$142
Progressive	$990	$167
Farmers	$1055	$176
Allstate	$1224	$206
Secura	$648	$108
Hastings Mutual	$768	$130

Key Takeaways

Way's key takeaways about car insurance in Jim Falls

The auto insurance costs in Jim Falls fall around $282 for six months.
The cheapest auto insurance company in Jim Falls is AAA.
Teen drivers pay the highest rate in Jim Falls at $645 per month.

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Cheapest Minimum Liability Car Insurance in Jim Falls

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 Jim Falls are given below.

AAA provides the cheapest minimum car insurance coverage in Jim Falls. Their Average 6 Month Premium is $120. Secura is the most expensive at $162 for the same period.

Cheapest Liability Coverage in Jim Falls, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$120	$20
Rural Mutual	$132	$22
Western National	$144	$24
Erie	$162	$27
USAA	$174	$29
West Bend Mutual	$180	$30
Auto-Owners Insurance Co	$186	$31
Acuity	$192	$32
American Family	$198	$33
Travelers	$198	$33
Progressive	$204	$34
Chubb	$210	$35
State Farm	$228	$38
Farmers	$354	$61
Allstate	$468	$79
Secura	$162	$27

Cheapest Full Coverage Car Insurance in Jim Falls

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 Jim Falls is AAA at $47 per month and $282 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jim Falls, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$282	$47
West Bend Mutual	$420	$70
IMT Insurance Company	$462	$79
Auto-Owners Insurance Co	$468	$78
Chubb	$480	$82
Acuity	$516	$87
American Family	$522	$88
Travelers	$534	$90
Erie	$624	$105
USAA	$726	$122
Rockford Mutual	$762	$129
Nationwide	$822	$138
Rural Mutual	$846	$143
State Farm	$846	$142
Progressive	$990	$167
Farmers	$1055	$176
Allstate	$1224	$206
Secura	$648	$108
Hastings Mutual	$768	$130

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Average Car Insurance in Jim Falls 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 Jim Falls, WI increasing?

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

Car Insurance Premiums by Age in Jim Falls

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	$484
30s	USAA	$389
40s	USAA	$352
50s	USAA	$334
60s	USAA	$348
70s	USAA	$429

Cheapest Car Insurance Rates for Teen Drivers in Jim Falls,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Jim Falls at $33 per month. At $3869 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$198	$33
Travelers	$204	$34
Auto-Owners Insurance Co	$234	$39
Western National	$234	$39
West Bend Mutual	$264	$44
USAA	$870	$146
Erie	$894	$150
American Family	$1080	$182
Acuity	$1644	$277
State Farm	$1896	$319
Progressive	$2736	$461
Allstate	$3606	$607
Farmers	$3869	$645

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 Jim Falls.

As young drivers face the highest rates in Jim Falls, USAA offers the cheapest auto insurance rates at $484 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 Jim Falls, Western National is the cheapest car insurance provider. At $150 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 Jim Falls is Allstate, offering rates of around $1859 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
AAA	$168	$28
West Bend Mutual	$216	$36
Chubb	$240	$40
IMT Insurance Company	$240	$40
Travelers	$282	$47
Acuity	$594	$100
American Family	$684	$115
State Farm	$732	$122
Erie	$792	$133
Progressive	$924	$156
Allstate	$1859	$316

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Car Insurance Rates with An Accident in Jim Falls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Jim Falls

The cheapest car insurance companies after an at-fault accident in Jim Falls include Western National and Rural Mutual, offering $150 and $174, respectively. Allstate is an expensive provider with an average six-month premium of $1824.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
Rural Mutual	$174	$29
Auto-Owners Insurance Co	$228	$38
AAA	$234	$39
Chubb	$240	$40
Travelers	$240	$40
West Bend	$251	$42
West Bend Mutual	$300	$52
Auto-Owners	$312	$52
Erie	$480	$81
USAA	$480	$81
American Family	$726	$122
Acuity	$762	$128
State Farm	$768	$129
Farmers	$1451	$242
Progressive	$1614	$272
Allstate	$1824	$307

Jim Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jim Falls WI. For example, the car insurance in Jim Falls after a DUI increases to $798 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Jim Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$857	$143
One Med/PIP claim	$864	$146
Not-at-fault accident	$900	$150
One comp claim	$912	$156
Two Med/PIP claims	$924	$154
Failure to show documents	$936	$160
Driving with expired registration	$960	$160
Failure to wear a seat belt	$966	$165
Two comp claims	$984	$164
Driving without lights	$1020	$174
Child safety restraint	$1026	$171
Speeding 6 - 10 MPH over limit	$1032	$176
At-fault accident - less than $1000	$1044	$174
Cell phone violation	$1050	$179
Driving too slowly	$1055	$176
Failure to yield	$1055	$180
Speeding in school zone	$1055	$176
Illegal turn	$1062	$181
Speeding 11 - 15 MPH over limit	$1062	$177
Speeding 16 - 20 MPH over limit	$1062	$181
Texting while driving	$1062	$177
Wrong way/wrong lane	$1062	$181
Failure to stop at a red light	$1074	$179
Following too closely	$1074	$183
Improper passing	$1104	$184
Passing school bus	$1122	$191
In 65 MPH zone	$1182	$197
At-fault accident - $1000-$2000	$1230	$209
Speeding 21 - 25 MPH over limit	$1230	$205
Operating a vehicle without permission	$1236	$210
At-fault accident - greater than $2000	$1242	$207
Open container	$1253	$213
Reckless driving	$1620	$270
Racing	$1626	$277
Refusal to submit to a chemical test	$1638	$273
Driving with a suspended license	$1644	$280
Leaving scene of an accident/hit and run	$1650	$275
DUI	$1655	$282

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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 Jim Falls 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 Jim Falls.

The cheapest car insurance premiums in Jim Falls are offered by Western National at $150 for a six-month policy. However, it can be as expensive as $1457 with companies like Allstate.

Jim Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
Chubb	$240	$40
Travelers	$282	$47
West Bend	$336	$56
Kemper	$342	$59
USAA	$630	$106
Erie	$653	$110
American Family	$744	$125
Progressive	$894	$150
State Farm	$960	$162
Farmers	$1398	$237
Acuity	$1410	$235
Allstate	$1457	$245

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 Jim Falls are offered by Western National at $150. However, it can be as expensive as $1355 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jim Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$150	$25
AAA	$192	$32
Auto-Owners Insurance Co	$210	$35
Travelers	$234	$39
Chubb	$240	$40
West Bend Mutual	$276	$46
Erie	$426	$72
State Farm	$498	$84
American Family	$504	$85
Acuity	$600	$101
Progressive	$792	$133
Allstate	$1355	$230

Car Insurance Price Trends in Jim Falls, Wisconsin

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

The average cost of full coverage in the Jim Falls rose by $126 in December compared to $123 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 Jim Falls rose to $34 in December, compared to $32 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Jim Falls?

The car insurance in Jim Falls is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Jim Falls?

The cheapest car insurance in Jim Falls is $47 per month for full coverage.

How much is car insurance in Jim Falls for teenagers?

Car insurance for teenagers costs $198 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 Jim Falls?

The average cost of car insurance is $677 for a six-month policy. It will cost around $115 per month to insure your car in Jim Falls.

Is car insurance expensive in Jim Falls?

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

Cheapest Car Insurance Quotes in Jim Falls

Why you can trust Way?

How Much Is Car Insurance in Jim Falls

Avg. Car Insurance in Jim Falls

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Jim Falls

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Jim Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Jim Falls, WI

Way's key takeaways about car insurance in Jim Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jim Falls

Cheapest Liability Coverage in Jim Falls, WI

Cheapest Full Coverage Car Insurance in Jim Falls

Cheapest Full Coverage Car Insurance Quotes in Jim Falls, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jim Falls by Rating Factor

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

Car Insurance Premiums by Age in Jim Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jim Falls,WI

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

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 Jim Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Jim Falls

Jim Falls Car Insurance Rates by Violation

Jim Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jim Falls after a DUI

Jim Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jim Falls after Speeding ticket

Car Insurance Price Trends in Jim Falls, Wisconsin

Average Car Insurance Cost in Jim Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jim Falls, WI

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

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