Cheapest Car Insurance Quotes in La Crosse

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La Crosse Car Insurance

^$ 19

/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 La Crosse

The car insurance rate in La Crosse is $630 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $259, making it a popular choice for budget-conscious drivers. Rates in La Crosse 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 La Crosse

$630

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in La Crosse

1st place: AAA

At $259 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 $387 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 $425 for six months, making it the third cheapest auto insurance company in La Crosse.

La Crosse Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in La Crosse, WI is AAA, offering policies at just $259 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $387.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $707 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help La Crosse drivers find the best deals.

Cheap Car Insurance Companies in La Crosse, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$259	$44
West Bend Mutual	$387	$64
IMT Insurance Company	$425	$73
Auto-Owners Insurance Co	$431	$72
Chubb	$442	$75
Acuity	$475	$80
American Family	$481	$81
Travelers	$492	$83
Erie	$575	$97
USAA	$669	$113
Rockford Mutual	$701	$119
Nationwide	$757	$127
Rural Mutual	$779	$132
State Farm	$779	$131
Progressive	$911	$153
Farmers	$972	$162
Allstate	$1127	$190
Secura	$597	$100
Hastings Mutual	$707	$120

Key Takeaways

Way's key takeaways about car insurance in La Crosse

The auto insurance costs in La Crosse fall around $259 for six months.
The cheapest auto insurance company in La Crosse is AAA.
Teen drivers pay the highest rate in La Crosse at $594 per month.

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Cheapest Minimum Liability Car Insurance in La Crosse

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 La Crosse are given below.

AAA provides the cheapest minimum car insurance coverage in La Crosse. Their Average 6 Month Premium is $111. Secura is the most expensive at $149 for the same period.

Cheapest Liability Coverage in La Crosse, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$111	$19
Rural Mutual	$122	$20
Western National	$133	$22
Erie	$149	$25
USAA	$160	$27
West Bend Mutual	$166	$28
Auto-Owners Insurance Co	$171	$29
Acuity	$177	$30
American Family	$182	$31
Travelers	$182	$31
Progressive	$188	$32
Chubb	$193	$33
State Farm	$210	$35
Farmers	$326	$56
Allstate	$431	$73
Secura	$149	$25

Cheapest Full Coverage Car Insurance in La Crosse

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 La Crosse is AAA at $44 per month and $259 for six months.

Cheapest Full Coverage Car Insurance Quotes in La Crosse, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$259	$44
West Bend Mutual	$387	$64
IMT Insurance Company	$425	$73
Auto-Owners Insurance Co	$431	$72
Chubb	$442	$75
Acuity	$475	$80
American Family	$481	$81
Travelers	$492	$83
Erie	$575	$97
USAA	$669	$113
Rockford Mutual	$701	$119
Nationwide	$757	$127
Rural Mutual	$779	$132
State Farm	$779	$131
Progressive	$911	$153
Farmers	$972	$162
Allstate	$1127	$190
Secura	$597	$100
Hastings Mutual	$707	$120

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Average Car Insurance in La Crosse 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 La Crosse, WI increasing?

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

Car Insurance Premiums by Age in La Crosse

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	$445
30s	USAA	$358
40s	USAA	$325
50s	USAA	$308
60s	USAA	$321
70s	USAA	$395

Cheapest Car Insurance Rates for Teen Drivers in La Crosse,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the La Crosse at $31 per month. At $3563 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$182	$31
Travelers	$188	$32
Auto-Owners Insurance Co	$216	$36
Western National	$216	$36
West Bend Mutual	$243	$41
USAA	$801	$135
Erie	$823	$139
American Family	$994	$167
Acuity	$1514	$255
State Farm	$1746	$294
Progressive	$2519	$424
Allstate	$3320	$559
Farmers	$3563	$594

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 La Crosse.

As young drivers face the highest rates in La Crosse, USAA offers the cheapest auto insurance rates at $445 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 La Crosse, Western National is the cheapest car insurance provider. At $139 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 La Crosse is Allstate, offering rates of around $1712 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
AAA	$154	$26
West Bend Mutual	$199	$33
Chubb	$221	$37
IMT Insurance Company	$221	$37
Travelers	$259	$44
Acuity	$547	$92
American Family	$630	$106
State Farm	$674	$113
Erie	$729	$123
Progressive	$851	$143
Allstate	$1712	$291

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Car Insurance Rates with An Accident in La Crosse

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

Cheapest Car Insurance Companies after an At-Fault Accident in La Crosse

The cheapest car insurance companies after an at-fault accident in La Crosse include Western National and Rural Mutual, offering $139 and $160, respectively. Allstate is an expensive provider with an average six-month premium of $1680.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
Rural Mutual	$160	$27
Auto-Owners Insurance Co	$210	$35
AAA	$216	$36
Chubb	$221	$37
Travelers	$221	$37
West Bend	$232	$39
West Bend Mutual	$276	$47
Auto-Owners	$287	$47
Erie	$442	$74
USAA	$442	$74
American Family	$669	$113
Acuity	$701	$118
State Farm	$707	$119
Farmers	$1336	$223
Progressive	$1486	$250
Allstate	$1680	$283

La Crosse Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in La Crosse WI. For example, the car insurance in La Crosse after a DUI increases to $734 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

La Crosse auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$790	$132
One Med/PIP claim	$795	$135
Not-at-fault accident	$829	$139
One comp claim	$840	$143
Two Med/PIP claims	$851	$141
Failure to show documents	$862	$147
Driving with expired registration	$884	$147
Failure to wear a seat belt	$889	$152
Two comp claims	$906	$151
Driving without lights	$939	$160
Child safety restraint	$945	$157
Speeding 6 - 10 MPH over limit	$950	$162
At-fault accident - less than $1000	$962	$160
Cell phone violation	$967	$165
Driving too slowly	$972	$162
Failure to yield	$972	$166
Speeding in school zone	$972	$162
Illegal turn	$977	$166
Speeding 11 - 15 MPH over limit	$977	$163
Speeding 16 - 20 MPH over limit	$977	$166
Texting while driving	$977	$163
Wrong way/wrong lane	$977	$166
Failure to stop at a red light	$989	$165
Following too closely	$989	$168
Improper passing	$1016	$169
Passing school bus	$1033	$176
In 65 MPH zone	$1088	$181
At-fault accident - $1000-$2000	$1133	$193
Speeding 21 - 25 MPH over limit	$1133	$189
Operating a vehicle without permission	$1138	$193
At-fault accident - greater than $2000	$1144	$191
Open container	$1154	$196
Reckless driving	$1492	$248
Racing	$1497	$255
Refusal to submit to a chemical test	$1508	$251
Driving with a suspended license	$1514	$258
Leaving scene of an accident/hit and run	$1520	$253
DUI	$1524	$259

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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 La Crosse 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 La Crosse.

The cheapest car insurance premiums in La Crosse are offered by Western National at $139 for a six-month policy. However, it can be as expensive as $1342 with companies like Allstate.

La Crosse car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
Chubb	$221	$37
Travelers	$259	$44
West Bend	$310	$51
Kemper	$315	$54
USAA	$580	$98
Erie	$602	$101
American Family	$685	$115
Progressive	$823	$139
State Farm	$884	$149
Farmers	$1287	$219
Acuity	$1298	$217
Allstate	$1342	$226

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 La Crosse are offered by Western National at $139. However, it can be as expensive as $1248 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in La Crosse after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
AAA	$177	$30
Auto-Owners Insurance Co	$193	$33
Travelers	$216	$36
Chubb	$221	$37
West Bend Mutual	$254	$43
Erie	$392	$66
State Farm	$458	$77
American Family	$464	$78
Acuity	$552	$93
Progressive	$729	$123
Allstate	$1248	$212

Car Insurance Price Trends in La Crosse, Wisconsin

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

The average cost of full coverage in the La Crosse rose by $116 in December compared to $113 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 La Crosse rose to $32 in December, compared to $30 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 La Crosse?

The car insurance in La Crosse is $19 per month, which is lower than the national average.

What is the cheapest car insurance in La Crosse?

The cheapest car insurance in La Crosse is $44 per month for full coverage.

How much is car insurance in La Crosse for teenagers?

Car insurance for teenagers costs $182 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 La Crosse?

The average cost of car insurance is $677 for a six-month policy. It will cost around $106 per month to insure your car in La Crosse.

Is car insurance expensive in La Crosse?

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

Cheapest Car Insurance Quotes in La Crosse

Why you can trust Way?

How Much Is Car Insurance in La Crosse

Avg. Car Insurance in La Crosse

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in La Crosse

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

La Crosse Car Insurance Rates by Company

Cheap Car Insurance Companies in La Crosse, WI

Way's key takeaways about car insurance in La Crosse

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in La Crosse

Cheapest Liability Coverage in La Crosse, WI

Cheapest Full Coverage Car Insurance in La Crosse

Cheapest Full Coverage Car Insurance Quotes in La Crosse, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in La Crosse by Rating Factor

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

Car Insurance Premiums by Age in La Crosse

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in La Crosse,WI

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

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 La Crosse

Cheapest Car Insurance Companies after an At-Fault Accident in La Crosse

La Crosse Car Insurance Rates by Violation

La Crosse auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in La Crosse after a DUI

La Crosse car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in La Crosse after Speeding ticket

Car Insurance Price Trends in La Crosse, Wisconsin

Average Car Insurance Cost in La Crosse by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near La Crosse, WI

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

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