Cheapest Car Insurance Quotes in Orfordville

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Orfordville Car Insurance

^$ 18

/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 Orfordville

The car insurance rate in Orfordville is $603 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $248, making it a popular choice for budget-conscious drivers. Rates in Orfordville 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 Orfordville

$603

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Orfordville

1st place: AAA

At $248 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 $370 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 $407 for six months, making it the third cheapest auto insurance company in Orfordville.

Orfordville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orfordville, WI is AAA, offering policies at just $248 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $370.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $676 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orfordville drivers find the best deals.

Cheap Car Insurance Companies in Orfordville, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$248	$42
West Bend Mutual	$370	$61
IMT Insurance Company	$407	$69
Auto-Owners Insurance Co	$412	$69
Chubb	$423	$72
Acuity	$455	$77
American Family	$460	$77
Travelers	$471	$79
Erie	$550	$93
USAA	$640	$108
Rockford Mutual	$671	$114
Nationwide	$724	$122
Rural Mutual	$746	$126
State Farm	$746	$125
Progressive	$872	$147
Farmers	$930	$155
Allstate	$1079	$182
Secura	$571	$95
Hastings Mutual	$676	$115

Key Takeaways

Way's key takeaways about car insurance in Orfordville

The auto insurance costs in Orfordville fall around $248 for six months.
The cheapest auto insurance company in Orfordville is AAA.
Teen drivers pay the highest rate in Orfordville at $569 per month.

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Cheapest Minimum Liability Car Insurance in Orfordville

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 Orfordville are given below.

AAA provides the cheapest minimum car insurance coverage in Orfordville. Their Average 6 Month Premium is $106. Secura is the most expensive at $142 for the same period.

Cheapest Liability Coverage in Orfordville, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$106	$18
Rural Mutual	$117	$20
Western National	$127	$21
Erie	$142	$24
USAA	$153	$26
West Bend Mutual	$158	$27
Auto-Owners Insurance Co	$164	$28
Acuity	$169	$28
American Family	$174	$29
Travelers	$174	$29
Progressive	$180	$30
Chubb	$185	$31
State Farm	$201	$34
Farmers	$312	$53
Allstate	$412	$69
Secura	$142	$24

Cheapest Full Coverage Car Insurance in Orfordville

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 Orfordville is AAA at $42 per month and $248 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orfordville, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$248	$42
West Bend Mutual	$370	$61
IMT Insurance Company	$407	$69
Auto-Owners Insurance Co	$412	$69
Chubb	$423	$72
Acuity	$455	$77
American Family	$460	$77
Travelers	$471	$79
Erie	$550	$93
USAA	$640	$108
Rockford Mutual	$671	$114
Nationwide	$724	$122
Rural Mutual	$746	$126
State Farm	$746	$125
Progressive	$872	$147
Farmers	$930	$155
Allstate	$1079	$182
Secura	$571	$95
Hastings Mutual	$676	$115

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Average Car Insurance in Orfordville 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 Orfordville, WI increasing?

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

Car Insurance Premiums by Age in Orfordville

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	$426
30s	USAA	$343
40s	USAA	$311
50s	USAA	$295
60s	USAA	$307
70s	USAA	$378

Cheapest Car Insurance Rates for Teen Drivers in Orfordville,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Orfordville at $29 per month. At $3410 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$174	$29
Travelers	$180	$30
Auto-Owners Insurance Co	$206	$35
Western National	$206	$35
West Bend Mutual	$232	$39
USAA	$766	$129
Erie	$788	$133
American Family	$951	$160
Acuity	$1449	$244
State Farm	$1671	$281
Progressive	$2411	$406
Allstate	$3177	$535
Farmers	$3410	$569

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 Orfordville.

As young drivers face the highest rates in Orfordville, USAA offers the cheapest auto insurance rates at $426 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 Orfordville, Western National is the cheapest car insurance provider. At $133 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 Orfordville is Allstate, offering rates of around $1638 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$133	$22
AAA	$148	$25
West Bend Mutual	$190	$32
Chubb	$212	$36
IMT Insurance Company	$212	$36
Travelers	$248	$42
Acuity	$523	$88
American Family	$603	$101
State Farm	$645	$108
Erie	$698	$117
Progressive	$814	$137
Allstate	$1638	$279

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

Car Insurance Rates with An Accident in Orfordville

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

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

The cheapest car insurance companies after an at-fault accident in Orfordville include Western National and Rural Mutual, offering $133 and $153, respectively. Allstate is an expensive provider with an average six-month premium of $1607.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$133	$22
Rural Mutual	$153	$26
Auto-Owners Insurance Co	$201	$34
AAA	$206	$35
Chubb	$212	$36
Travelers	$212	$36
West Bend	$222	$37
West Bend Mutual	$264	$45
Auto-Owners	$275	$45
Erie	$423	$71
USAA	$423	$71
American Family	$640	$108
Acuity	$671	$113
State Farm	$676	$114
Farmers	$1279	$214
Progressive	$1422	$239
Allstate	$1607	$271

Orfordville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orfordville WI. For example, the car insurance in Orfordville after a DUI increases to $703 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

Orfordville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$756	$126
One Med/PIP claim	$761	$129
Not-at-fault accident	$793	$133
One comp claim	$804	$137
Two Med/PIP claims	$814	$135
Failure to show documents	$825	$141
Driving with expired registration	$846	$141
Failure to wear a seat belt	$851	$145
Two comp claims	$867	$144
Driving without lights	$899	$153
Child safety restraint	$904	$150
Speeding 6 - 10 MPH over limit	$910	$155
At-fault accident - less than $1000	$920	$153
Cell phone violation	$926	$158
Driving too slowly	$930	$155
Failure to yield	$930	$158
Speeding in school zone	$930	$155
Illegal turn	$935	$159
Speeding 11 - 15 MPH over limit	$935	$156
Speeding 16 - 20 MPH over limit	$935	$159
Texting while driving	$935	$156
Wrong way/wrong lane	$935	$159
Failure to stop at a red light	$946	$158
Following too closely	$946	$161
Improper passing	$973	$162
Passing school bus	$989	$168
In 65 MPH zone	$1041	$174
At-fault accident - $1000-$2000	$1084	$184
Speeding 21 - 25 MPH over limit	$1084	$181
Operating a vehicle without permission	$1089	$185
At-fault accident - greater than $2000	$1095	$182
Open container	$1104	$188
Reckless driving	$1428	$238
Racing	$1433	$244
Refusal to submit to a chemical test	$1444	$240
Driving with a suspended license	$1449	$247
Leaving scene of an accident/hit and run	$1454	$242
DUI	$1459	$248

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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 Orfordville 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 Orfordville.

The cheapest car insurance premiums in Orfordville are offered by Western National at $133 for a six-month policy. However, it can be as expensive as $1284 with companies like Allstate.

Orfordville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$133	$22
Chubb	$212	$36
Travelers	$248	$42
West Bend	$296	$49
Kemper	$302	$52
USAA	$555	$93
Erie	$576	$97
American Family	$656	$110
Progressive	$788	$133
State Farm	$846	$142
Farmers	$1232	$209
Acuity	$1242	$207
Allstate	$1284	$216

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 Orfordville are offered by Western National at $133. However, it can be as expensive as $1194 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Orfordville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$133	$22
AAA	$169	$28
Auto-Owners Insurance Co	$185	$31
Travelers	$206	$35
Chubb	$212	$36
West Bend Mutual	$243	$41
Erie	$376	$63
State Farm	$439	$74
American Family	$444	$75
Acuity	$529	$89
Progressive	$698	$117
Allstate	$1194	$203

Car Insurance Price Trends in Orfordville, Wisconsin

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

The average cost of full coverage in the Orfordville rose by $111 in December compared to $109 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 Orfordville rose to $30 in December, compared to $28 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 Orfordville?

The car insurance in Orfordville is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Orfordville?

The cheapest car insurance in Orfordville is $42 per month for full coverage.

How much is car insurance in Orfordville for teenagers?

Car insurance for teenagers costs $174 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 Orfordville?

The average cost of car insurance is $677 for a six-month policy. It will cost around $101 per month to insure your car in Orfordville.

Is car insurance expensive in Orfordville?

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

Cheapest Car Insurance Quotes in Orfordville

Why you can trust Way?

How Much Is Car Insurance in Orfordville

Avg. Car Insurance in Orfordville

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Orfordville

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Orfordville Car Insurance Rates by Company

Cheap Car Insurance Companies in Orfordville, WI

Way's key takeaways about car insurance in Orfordville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orfordville

Cheapest Liability Coverage in Orfordville, WI

Cheapest Full Coverage Car Insurance in Orfordville

Cheapest Full Coverage Car Insurance Quotes in Orfordville, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orfordville by Rating Factor

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

Car Insurance Premiums by Age in Orfordville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orfordville,WI

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

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 Orfordville

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

Orfordville Car Insurance Rates by Violation

Orfordville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orfordville after a DUI

Orfordville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orfordville after Speeding ticket

Car Insurance Price Trends in Orfordville, Wisconsin

Average Car Insurance Cost in Orfordville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orfordville, WI

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

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