Cheapest Car Insurance Quotes in Kimberly

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Kimberly Car Insurance

^$ 16

/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 Kimberly

The car insurance rate in Kimberly is $548 for a six-month policy, which is $129 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $226, making it a popular choice for budget-conscious drivers. Rates in Kimberly 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 Kimberly

$548

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Kimberly

1st place: AAA

At $226 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 $337 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 $370 for six months, making it the third cheapest auto insurance company in Kimberly.

Kimberly Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kimberly, WI is AAA, offering policies at just $226 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $337.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $616 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kimberly drivers find the best deals.

Cheap Car Insurance Companies in Kimberly, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$226	$38
West Bend Mutual	$337	$56
IMT Insurance Company	$370	$63
Auto-Owners Insurance Co	$375	$62
Chubb	$385	$66
Acuity	$414	$70
American Family	$419	$70
Travelers	$428	$72
Erie	$501	$84
USAA	$582	$98
Rockford Mutual	$611	$104
Nationwide	$659	$111
Rural Mutual	$679	$115
State Farm	$679	$114
Progressive	$794	$134
Farmers	$846	$141
Allstate	$982	$165
Secura	$520	$87
Hastings Mutual	$616	$104

Key Takeaways

Way's key takeaways about car insurance in Kimberly

The auto insurance costs in Kimberly fall around $226 for six months.
The cheapest auto insurance company in Kimberly is AAA.
Teen drivers pay the highest rate in Kimberly at $518 per month.

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Cheapest Minimum Liability Car Insurance in Kimberly

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 Kimberly are given below.

AAA provides the cheapest minimum car insurance coverage in Kimberly. Their Average 6 Month Premium is $96. Secura is the most expensive at $130 for the same period.

Cheapest Liability Coverage in Kimberly, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$96	$16
Rural Mutual	$106	$18
Western National	$116	$19
Erie	$130	$22
USAA	$139	$23
West Bend Mutual	$144	$24
Auto-Owners Insurance Co	$149	$25
Acuity	$154	$26
American Family	$159	$27
Travelers	$159	$27
Progressive	$164	$28
Chubb	$168	$28
State Farm	$183	$31
Farmers	$284	$49
Allstate	$375	$63
Secura	$130	$22

Cheapest Full Coverage Car Insurance in Kimberly

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 Kimberly is AAA at $38 per month and $226 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kimberly, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$226	$38
West Bend Mutual	$337	$56
IMT Insurance Company	$370	$63
Auto-Owners Insurance Co	$375	$62
Chubb	$385	$66
Acuity	$414	$70
American Family	$419	$70
Travelers	$428	$72
Erie	$501	$84
USAA	$582	$98
Rockford Mutual	$611	$104
Nationwide	$659	$111
Rural Mutual	$679	$115
State Farm	$679	$114
Progressive	$794	$134
Farmers	$846	$141
Allstate	$982	$165
Secura	$520	$87
Hastings Mutual	$616	$104

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Average Car Insurance in Kimberly 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 Kimberly, WI increasing?

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

Car Insurance Premiums by Age in Kimberly

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	$388
30s	USAA	$312
40s	USAA	$283
50s	USAA	$268
60s	USAA	$279
70s	USAA	$344

Cheapest Car Insurance Rates for Teen Drivers in Kimberly,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Kimberly at $27 per month. At $3103 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$159	$27
Travelers	$164	$28
Auto-Owners Insurance Co	$188	$32
Western National	$188	$32
West Bend Mutual	$211	$36
USAA	$697	$117
Erie	$717	$121
American Family	$866	$146
Acuity	$1319	$222
State Farm	$1520	$256
Progressive	$2194	$369
Allstate	$2892	$487
Farmers	$3103	$518

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 Kimberly.

As young drivers face the highest rates in Kimberly, USAA offers the cheapest auto insurance rates at $388 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 Kimberly, Western National is the cheapest car insurance provider. At $121 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 Kimberly is Allstate, offering rates of around $1491 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$121	$20
AAA	$134	$23
West Bend Mutual	$173	$29
Chubb	$193	$32
IMT Insurance Company	$193	$32
Travelers	$226	$38
Acuity	$476	$80
American Family	$548	$92
State Farm	$587	$98
Erie	$635	$107
Progressive	$741	$125
Allstate	$1491	$254

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Car Insurance Rates with An Accident in Kimberly

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

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

The cheapest car insurance companies after an at-fault accident in Kimberly include Western National and Rural Mutual, offering $121 and $139, respectively. Allstate is an expensive provider with an average six-month premium of $1463.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$121	$20
Rural Mutual	$139	$23
Auto-Owners Insurance Co	$183	$31
AAA	$188	$32
Chubb	$193	$32
Travelers	$193	$32
West Bend	$202	$34
West Bend Mutual	$241	$41
Auto-Owners	$250	$41
Erie	$385	$65
USAA	$385	$65
American Family	$582	$98
Acuity	$611	$103
State Farm	$616	$104
Farmers	$1164	$194
Progressive	$1294	$218
Allstate	$1463	$246

Kimberly Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kimberly WI. For example, the car insurance in Kimberly after a DUI increases to $640 for a six month policy. While the rate increases by $140 for a six-month policy in the case of a speeding ticket.

Kimberly auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$688	$115
One Med/PIP claim	$693	$117
Not-at-fault accident	$722	$121
One comp claim	$731	$125
Two Med/PIP claims	$741	$123
Failure to show documents	$751	$128
Driving with expired registration	$770	$128
Failure to wear a seat belt	$774	$132
Two comp claims	$789	$131
Driving without lights	$818	$139
Child safety restraint	$823	$137
Speeding 6 - 10 MPH over limit	$828	$141
At-fault accident - less than $1000	$838	$139
Cell phone violation	$842	$143
Driving too slowly	$846	$141
Failure to yield	$846	$144
Speeding in school zone	$846	$141
Illegal turn	$851	$145
Speeding 11 - 15 MPH over limit	$851	$142
Speeding 16 - 20 MPH over limit	$851	$145
Texting while driving	$851	$142
Wrong way/wrong lane	$851	$145
Failure to stop at a red light	$861	$143
Following too closely	$861	$147
Improper passing	$885	$147
Passing school bus	$900	$153
In 65 MPH zone	$948	$158
At-fault accident - $1000-$2000	$987	$168
Speeding 21 - 25 MPH over limit	$987	$164
Operating a vehicle without permission	$991	$168
At-fault accident - greater than $2000	$996	$166
Open container	$1005	$171
Reckless driving	$1299	$216
Racing	$1304	$222
Refusal to submit to a chemical test	$1314	$219
Driving with a suspended license	$1319	$224
Leaving scene of an accident/hit and run	$1324	$220
DUI	$1328	$226

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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 Kimberly 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 Kimberly.

The cheapest car insurance premiums in Kimberly are offered by Western National at $121 for a six-month policy. However, it can be as expensive as $1169 with companies like Allstate.

Kimberly car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$121	$20
Chubb	$193	$32
Travelers	$226	$38
West Bend	$270	$45
Kemper	$275	$47
USAA	$505	$85
Erie	$524	$88
American Family	$597	$100
Progressive	$717	$121
State Farm	$770	$130
Farmers	$1121	$190
Acuity	$1131	$189
Allstate	$1169	$197

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 Kimberly are offered by Western National at $121. However, it can be as expensive as $1087 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Kimberly after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$121	$20
AAA	$154	$26
Auto-Owners Insurance Co	$168	$28
Travelers	$188	$32
Chubb	$193	$32
West Bend Mutual	$221	$37
Erie	$342	$58
State Farm	$399	$67
American Family	$404	$68
Acuity	$481	$81
Progressive	$635	$107
Allstate	$1087	$185

Car Insurance Price Trends in Kimberly, Wisconsin

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

The average cost of full coverage in the Kimberly rose by $101 in December compared to $99 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Kimberly rose to $28 in December, compared to $26 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 Kimberly?

The car insurance in Kimberly is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Kimberly?

The cheapest car insurance in Kimberly is $38 per month for full coverage.

How much is car insurance in Kimberly for teenagers?

Car insurance for teenagers costs $159 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 Kimberly?

The average cost of car insurance is $677 for a six-month policy. It will cost around $92 per month to insure your car in Kimberly.

Is car insurance expensive in Kimberly?

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

Cheapest Car Insurance Quotes in Kimberly

Why you can trust Way?

How Much Is Car Insurance in Kimberly

Avg. Car Insurance in Kimberly

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Kimberly

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Kimberly Car Insurance Rates by Company

Cheap Car Insurance Companies in Kimberly, WI

Way's key takeaways about car insurance in Kimberly

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kimberly

Cheapest Liability Coverage in Kimberly, WI

Cheapest Full Coverage Car Insurance in Kimberly

Cheapest Full Coverage Car Insurance Quotes in Kimberly, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kimberly by Rating Factor

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

Car Insurance Premiums by Age in Kimberly

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kimberly,WI

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

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 Kimberly

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

Kimberly Car Insurance Rates by Violation

Kimberly auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kimberly after a DUI

Kimberly car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kimberly after Speeding ticket

Car Insurance Price Trends in Kimberly, Wisconsin

Average Car Insurance Cost in Kimberly by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kimberly, WI

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

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