Cheapest Car Insurance Quotes in New Richmond

Finding the cheapest car insurance quotes in New Richmond shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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New Richmond Car Insurance

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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 New Richmond

The car insurance rate in New Richmond is $691 for a six-month policy, which is $14 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $285, making it a popular choice for budget-conscious drivers. Rates in New Richmond 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 New Richmond

$691

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in New Richmond

1st place: AAA

At $285 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 $424 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 $466 for six months, making it the third cheapest auto insurance company in New Richmond.

New Richmond Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Richmond, WI is AAA, offering policies at just $285 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $424.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $775 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Richmond drivers find the best deals.

Cheap Car Insurance Companies in New Richmond, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$285	$48
West Bend Mutual	$424	$70
IMT Insurance Company	$466	$80
Auto-Owners Insurance Co	$472	$79
Chubb	$485	$83
Acuity	$521	$88
American Family	$527	$89
Travelers	$540	$91
Erie	$630	$106
USAA	$733	$123
Rockford Mutual	$769	$131
Nationwide	$830	$140
Rural Mutual	$855	$145
State Farm	$855	$144
Progressive	$1000	$168
Farmers	$1066	$177
Allstate	$1236	$208
Secura	$655	$109
Hastings Mutual	$775	$132

Key Takeaways

Way's key takeaways about car insurance in New Richmond

The auto insurance costs in New Richmond fall around $285 for six months.
The cheapest auto insurance company in New Richmond is AAA.
Teen drivers pay the highest rate in New Richmond at $652 per month.

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Cheapest Minimum Liability Car Insurance in New Richmond

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 New Richmond are given below.

AAA provides the cheapest minimum car insurance coverage in New Richmond. Their Average 6 Month Premium is $121. Secura is the most expensive at $163 for the same period.

Cheapest Liability Coverage in New Richmond, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$121	$20
Rural Mutual	$134	$22
Western National	$146	$24
Erie	$163	$28
USAA	$175	$30
West Bend Mutual	$182	$31
Auto-Owners Insurance Co	$188	$32
Acuity	$194	$33
American Family	$200	$34
Travelers	$200	$34
Progressive	$206	$35
Chubb	$212	$36
State Farm	$231	$39
Farmers	$357	$61
Allstate	$472	$80
Secura	$163	$28

Cheapest Full Coverage Car Insurance in New Richmond

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 New Richmond is AAA at $48 per month and $285 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Richmond, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$285	$48
West Bend Mutual	$424	$70
IMT Insurance Company	$466	$80
Auto-Owners Insurance Co	$472	$79
Chubb	$485	$83
Acuity	$521	$88
American Family	$527	$89
Travelers	$540	$91
Erie	$630	$106
USAA	$733	$123
Rockford Mutual	$769	$131
Nationwide	$830	$140
Rural Mutual	$855	$145
State Farm	$855	$144
Progressive	$1000	$168
Farmers	$1066	$177
Allstate	$1236	$208
Secura	$655	$109
Hastings Mutual	$775	$132

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Average Car Insurance in New Richmond 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 New Richmond, WI increasing?

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

Car Insurance Premiums by Age in New Richmond

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	$489
30s	USAA	$393
40s	USAA	$356
50s	USAA	$338
60s	USAA	$352
70s	USAA	$434

Cheapest Car Insurance Rates for Teen Drivers in New Richmond,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the New Richmond at $34 per month. At $3908 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$200	$34
Travelers	$206	$35
Auto-Owners Insurance Co	$237	$40
Western National	$237	$40
West Bend Mutual	$266	$45
USAA	$878	$148
Erie	$903	$152
American Family	$1090	$184
Acuity	$1661	$279
State Farm	$1915	$322
Progressive	$2763	$465
Allstate	$3641	$613
Farmers	$3908	$652

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 New Richmond.

As young drivers face the highest rates in New Richmond, USAA offers the cheapest auto insurance rates at $489 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 New Richmond, Western National is the cheapest car insurance provider. At $152 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 New Richmond is Allstate, offering rates of around $1878 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$152	$26
AAA	$169	$29
West Bend Mutual	$218	$37
Chubb	$243	$41
IMT Insurance Company	$243	$41
Travelers	$285	$48
Acuity	$600	$101
American Family	$691	$116
State Farm	$740	$123
Erie	$800	$135
Progressive	$933	$157
Allstate	$1878	$319

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Car Insurance Rates with An Accident in New Richmond

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Richmond

The cheapest car insurance companies after an at-fault accident in New Richmond include Western National and Rural Mutual, offering $152 and $175, respectively. Allstate is an expensive provider with an average six-month premium of $1842.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$152	$26
Rural Mutual	$175	$30
Auto-Owners Insurance Co	$231	$39
AAA	$237	$40
Chubb	$243	$41
Travelers	$243	$41
West Bend	$254	$43
West Bend Mutual	$303	$52
Auto-Owners	$315	$52
Erie	$485	$82
USAA	$485	$82
American Family	$733	$123
Acuity	$769	$130
State Farm	$775	$131
Farmers	$1466	$245
Progressive	$1630	$274
Allstate	$1842	$310

New Richmond Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Richmond WI. For example, the car insurance in New Richmond after a DUI increases to $806 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

New Richmond auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$866	$145
One Med/PIP claim	$872	$148
Not-at-fault accident	$909	$152
One comp claim	$921	$157
Two Med/PIP claims	$933	$155
Failure to show documents	$946	$161
Driving with expired registration	$969	$161
Failure to wear a seat belt	$975	$166
Two comp claims	$993	$165
Driving without lights	$1030	$175
Child safety restraint	$1036	$172
Speeding 6 - 10 MPH over limit	$1042	$177
At-fault accident - less than $1000	$1055	$175
Cell phone violation	$1061	$181
Driving too slowly	$1066	$177
Failure to yield	$1066	$182
Speeding in school zone	$1066	$177
Illegal turn	$1072	$183
Speeding 11 - 15 MPH over limit	$1072	$179
Speeding 16 - 20 MPH over limit	$1072	$183
Texting while driving	$1072	$179
Wrong way/wrong lane	$1072	$183
Failure to stop at a red light	$1084	$181
Following too closely	$1084	$185
Improper passing	$1115	$186
Passing school bus	$1133	$193
In 65 MPH zone	$1193	$199
At-fault accident - $1000-$2000	$1242	$211
Speeding 21 - 25 MPH over limit	$1242	$207
Operating a vehicle without permission	$1248	$212
At-fault accident - greater than $2000	$1255	$209
Open container	$1266	$215
Reckless driving	$1636	$272
Racing	$1642	$279
Refusal to submit to a chemical test	$1654	$275
Driving with a suspended license	$1661	$283
Leaving scene of an accident/hit and run	$1667	$277
DUI	$1672	$285

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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 New Richmond 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 New Richmond.

The cheapest car insurance premiums in New Richmond are offered by Western National at $152 for a six-month policy. However, it can be as expensive as $1472 with companies like Allstate.

New Richmond car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$152	$26
Chubb	$243	$41
Travelers	$285	$48
West Bend	$340	$56
Kemper	$346	$59
USAA	$636	$107
Erie	$660	$111
American Family	$752	$126
Progressive	$903	$152
State Farm	$969	$163
Farmers	$1412	$240
Acuity	$1424	$238
Allstate	$1472	$248

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 New Richmond are offered by Western National at $152. However, it can be as expensive as $1369 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New Richmond after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$152	$26
AAA	$194	$33
Auto-Owners Insurance Co	$212	$36
Travelers	$237	$40
Chubb	$243	$41
West Bend Mutual	$278	$47
Erie	$430	$72
State Farm	$503	$85
American Family	$509	$86
Acuity	$606	$102
Progressive	$800	$135
Allstate	$1369	$233

Car Insurance Price Trends in New Richmond, Wisconsin

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

The average cost of full coverage in the New Richmond rose by $128 in December compared to $124 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 New Richmond rose to $35 in December, compared to $33 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 New Richmond?

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

What is the cheapest car insurance in New Richmond?

The cheapest car insurance in New Richmond is $48 per month for full coverage.

How much is car insurance in New Richmond for teenagers?

Car insurance for teenagers costs $200 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 New Richmond?

The average cost of car insurance is $677 for a six-month policy. It will cost around $116 per month to insure your car in New Richmond.

Is car insurance expensive in New Richmond?

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

Cheapest Car Insurance Quotes in New Richmond

Why you can trust Way?

How Much Is Car Insurance in New Richmond

Avg. Car Insurance in New Richmond

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in New Richmond

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

New Richmond Car Insurance Rates by Company

Cheap Car Insurance Companies in New Richmond, WI

Way's key takeaways about car insurance in New Richmond

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Richmond

Cheapest Liability Coverage in New Richmond, WI

Cheapest Full Coverage Car Insurance in New Richmond

Cheapest Full Coverage Car Insurance Quotes in New Richmond, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Richmond by Rating Factor

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

Car Insurance Premiums by Age in New Richmond

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Richmond,WI

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

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 New Richmond

Cheapest Car Insurance Companies after an At-Fault Accident in New Richmond

New Richmond Car Insurance Rates by Violation

New Richmond auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Richmond after a DUI

New Richmond car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Richmond after Speeding ticket

Car Insurance Price Trends in New Richmond, Wisconsin

Average Car Insurance Cost in New Richmond by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Richmond, WI

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

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