Cheapest Car Insurance Quotes in Lake Nebagamon

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Lake Nebagamon Car Insurance

^$ 22

/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 Lake Nebagamon

The car insurance rate in Lake Nebagamon is $745 for a six-month policy, which is $68 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $307, making it a popular choice for budget-conscious drivers. Rates in Lake Nebagamon 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 Lake Nebagamon

$745

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Lake Nebagamon

1st place: AAA

At $307 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 $458 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 $503 for six months, making it the third cheapest auto insurance company in Lake Nebagamon.

Lake Nebagamon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Nebagamon, WI is AAA, offering policies at just $307 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $458.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $836 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Nebagamon drivers find the best deals.

Cheap Car Insurance Companies in Lake Nebagamon, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$307	$52
West Bend Mutual	$458	$76
IMT Insurance Company	$503	$86
Auto-Owners Insurance Co	$509	$85
Chubb	$523	$89
Acuity	$562	$95
American Family	$569	$96
Travelers	$582	$98
Erie	$680	$114
USAA	$791	$133
Rockford Mutual	$829	$141
Nationwide	$895	$151
Rural Mutual	$922	$156
State Farm	$922	$155
Progressive	$1078	$182
Farmers	$1150	$191
Allstate	$1333	$224
Secura	$706	$118
Hastings Mutual	$836	$142

Key Takeaways

Way's key takeaways about car insurance in Lake Nebagamon

The auto insurance costs in Lake Nebagamon fall around $307 for six months.
The cheapest auto insurance company in Lake Nebagamon is AAA.
Teen drivers pay the highest rate in Lake Nebagamon at $703 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Lake Nebagamon

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 Lake Nebagamon are given below.

AAA provides the cheapest minimum car insurance coverage in Lake Nebagamon. Their Average 6 Month Premium is $131. Secura is the most expensive at $176 for the same period.

Cheapest Liability Coverage in Lake Nebagamon, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$131	$22
Rural Mutual	$144	$24
Western National	$157	$26
Erie	$176	$30
USAA	$189	$32
West Bend Mutual	$196	$33
Auto-Owners Insurance Co	$202	$34
Acuity	$209	$35
American Family	$216	$36
Travelers	$216	$36
Progressive	$222	$37
Chubb	$229	$39
State Farm	$249	$42
Farmers	$385	$66
Allstate	$509	$86
Secura	$176	$30

Cheapest Full Coverage Car Insurance in Lake Nebagamon

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 Lake Nebagamon is AAA at $52 per month and $307 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Nebagamon, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$307	$52
West Bend Mutual	$458	$76
IMT Insurance Company	$503	$86
Auto-Owners Insurance Co	$509	$85
Chubb	$523	$89
Acuity	$562	$95
American Family	$569	$96
Travelers	$582	$98
Erie	$680	$114
USAA	$791	$133
Rockford Mutual	$829	$141
Nationwide	$895	$151
Rural Mutual	$922	$156
State Farm	$922	$155
Progressive	$1078	$182
Farmers	$1150	$191
Allstate	$1333	$224
Secura	$706	$118
Hastings Mutual	$836	$142

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Average Car Insurance in Lake Nebagamon 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 Lake Nebagamon, WI increasing?

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

Car Insurance Premiums by Age in Lake Nebagamon

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	$527
30s	USAA	$424
40s	USAA	$384
50s	USAA	$364
60s	USAA	$380
70s	USAA	$468

Cheapest Car Insurance Rates for Teen Drivers in Lake Nebagamon,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lake Nebagamon at $36 per month. At $4214 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$216	$36
Travelers	$222	$37
Auto-Owners Insurance Co	$255	$43
Western National	$255	$43
West Bend Mutual	$287	$48
USAA	$947	$160
Erie	$974	$164
American Family	$1176	$198
Acuity	$1791	$301
State Farm	$2065	$348
Progressive	$2980	$502
Allstate	$3927	$661
Farmers	$4214	$703

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 Lake Nebagamon.

As young drivers face the highest rates in Lake Nebagamon, USAA offers the cheapest auto insurance rates at $527 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 Lake Nebagamon, Western National is the cheapest car insurance provider. At $164 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 Lake Nebagamon is Allstate, offering rates of around $2025 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$164	$28
AAA	$183	$31
West Bend Mutual	$235	$40
Chubb	$262	$44
IMT Insurance Company	$262	$44
Travelers	$307	$52
Acuity	$647	$109
American Family	$745	$125
State Farm	$798	$133
Erie	$862	$145
Progressive	$1007	$169
Allstate	$2025	$344

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Save up to $971/yr on car insurance rates in Lake Nebagamon.

Car Insurance Rates with An Accident in Lake Nebagamon

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Nebagamon

The cheapest car insurance companies after an at-fault accident in Lake Nebagamon include Western National and Rural Mutual, offering $164 and $189, respectively. Allstate is an expensive provider with an average six-month premium of $1987.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$164	$28
Rural Mutual	$189	$32
Auto-Owners Insurance Co	$249	$42
AAA	$255	$43
Chubb	$262	$44
Travelers	$262	$44
West Bend	$274	$46
West Bend Mutual	$327	$56
Auto-Owners	$340	$56
Erie	$523	$88
USAA	$523	$88
American Family	$791	$133
Acuity	$829	$140
State Farm	$836	$141
Farmers	$1581	$264
Progressive	$1758	$296
Allstate	$1987	$334

Lake Nebagamon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Nebagamon WI. For example, the car insurance in Lake Nebagamon after a DUI increases to $869 for a six month policy. While the rate increases by $190 for a six-month policy in the case of a speeding ticket.

Lake Nebagamon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$934	$156
One Med/PIP claim	$941	$160
Not-at-fault accident	$980	$164
One comp claim	$993	$169
Two Med/PIP claims	$1007	$167
Failure to show documents	$1020	$174
Driving with expired registration	$1045	$174
Failure to wear a seat belt	$1052	$179
Two comp claims	$1071	$178
Driving without lights	$1111	$189
Child safety restraint	$1118	$186
Speeding 6 - 10 MPH over limit	$1124	$191
At-fault accident - less than $1000	$1137	$189
Cell phone violation	$1144	$195
Driving too slowly	$1150	$191
Failure to yield	$1150	$196
Speeding in school zone	$1150	$191
Illegal turn	$1156	$197
Speeding 11 - 15 MPH over limit	$1156	$193
Speeding 16 - 20 MPH over limit	$1156	$197
Texting while driving	$1156	$193
Wrong way/wrong lane	$1156	$197
Failure to stop at a red light	$1169	$195
Following too closely	$1169	$199
Improper passing	$1202	$200
Passing school bus	$1222	$208
In 65 MPH zone	$1287	$215
At-fault accident - $1000-$2000	$1340	$228
Speeding 21 - 25 MPH over limit	$1340	$223
Operating a vehicle without permission	$1346	$229
At-fault accident - greater than $2000	$1353	$226
Open container	$1365	$232
Reckless driving	$1764	$294
Racing	$1771	$301
Refusal to submit to a chemical test	$1784	$297
Driving with a suspended license	$1791	$305
Leaving scene of an accident/hit and run	$1797	$299
DUI	$1803	$307

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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 Lake Nebagamon 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 Lake Nebagamon.

The cheapest car insurance premiums in Lake Nebagamon are offered by Western National at $164 for a six-month policy. However, it can be as expensive as $1587 with companies like Allstate.

Lake Nebagamon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$164	$28
Chubb	$262	$44
Travelers	$307	$52
West Bend	$366	$61
Kemper	$373	$64
USAA	$686	$116
Erie	$712	$120
American Family	$811	$136
Progressive	$974	$164
State Farm	$1045	$176
Farmers	$1522	$259
Acuity	$1536	$256
Allstate	$1587	$267

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 Lake Nebagamon are offered by Western National at $164. However, it can be as expensive as $1476 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake Nebagamon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$164	$28
AAA	$209	$35
Auto-Owners Insurance Co	$229	$39
Travelers	$255	$43
Chubb	$262	$44
West Bend Mutual	$300	$51
Erie	$464	$78
State Farm	$542	$91
American Family	$549	$92
Acuity	$653	$110
Progressive	$862	$145
Allstate	$1476	$251

Car Insurance Price Trends in Lake Nebagamon, Wisconsin

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

The average cost of full coverage in the Lake Nebagamon rose by $138 in December compared to $134 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Lake Nebagamon rose to $37 in December, compared to $35 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 Lake Nebagamon?

The car insurance in Lake Nebagamon is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Nebagamon?

The cheapest car insurance in Lake Nebagamon is $52 per month for full coverage.

How much is car insurance in Lake Nebagamon for teenagers?

Car insurance for teenagers costs $216 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 Lake Nebagamon?

The average cost of car insurance is $677 for a six-month policy. It will cost around $125 per month to insure your car in Lake Nebagamon.

Is car insurance expensive in Lake Nebagamon?

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

Cheapest Car Insurance Quotes in Lake Nebagamon

Why you can trust Way?

How Much Is Car Insurance in Lake Nebagamon

Avg. Car Insurance in Lake Nebagamon

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Lake Nebagamon

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Lake Nebagamon Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Nebagamon, WI

Way's key takeaways about car insurance in Lake Nebagamon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Nebagamon

Cheapest Liability Coverage in Lake Nebagamon, WI

Cheapest Full Coverage Car Insurance in Lake Nebagamon

Cheapest Full Coverage Car Insurance Quotes in Lake Nebagamon, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Nebagamon by Rating Factor

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

Car Insurance Premiums by Age in Lake Nebagamon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Nebagamon,WI

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

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 Lake Nebagamon

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Nebagamon

Lake Nebagamon Car Insurance Rates by Violation

Lake Nebagamon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Nebagamon after a DUI

Lake Nebagamon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Nebagamon after Speeding ticket

Car Insurance Price Trends in Lake Nebagamon, Wisconsin

Average Car Insurance Cost in Lake Nebagamon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Nebagamon, WI

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

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