Cheapest Car Insurance Quotes in Oshkosh

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Oshkosh Car Insurance

^$ 17

/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 Oshkosh

The car insurance rate in Oshkosh is $630 for a six-month policy, which is $120 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $234, making it a popular choice for budget-conscious drivers. Rates in Oshkosh 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 Oshkosh

$630

Avg. Car Insurance in Wisconsin

$750

National Average

$1278

Cheapest Car Insurance Companies in Oshkosh

1st place: AAA

At $234 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 $349 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 $384 for six months, making it the third cheapest auto insurance company in Oshkosh.

Oshkosh Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oshkosh, WI is AAA, offering policies at just $234 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $349.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1183 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oshkosh drivers find the best deals.

Cheap Car Insurance Companies in Oshkosh, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$234	$39
West Bend Mutual	$349	$58
IMT Insurance Company	$384	$66
Auto-Owners Insurance Co	$389	$65
Chubb	$399	$68
Travelers	$444	$75
American Family	$449	$76
Erie	$549	$92
USAA	$584	$98
Acuity	$599	$101
Rockford Mutual	$633	$108
Nationwide	$684	$115
Rural Mutual	$704	$119
Auto-Owners	$798	$133
West Bend	$808	$138
State Farm	$853	$144
Farmers	$878	$150
Allstate	$1053	$177
Progressive	$1183	$199

Key Takeaways

Way's key takeaways about car insurance in Oshkosh

The auto insurance costs in Oshkosh fall around $234 for six months.
The cheapest auto insurance company in Oshkosh is AAA.
Teen drivers pay the highest rate in Oshkosh at $544 per month.

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Cheapest Minimum Liability Car Insurance in Oshkosh

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 Oshkosh are given below.

AAA provides the cheapest minimum car insurance coverage in Oshkosh. Their Average 6 Month Premium is $100. Allstate is the most expensive at $384 for the same period.

Cheapest Liability Coverage in Oshkosh, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$100	$17
Rural Mutual	$110	$18
Western National	$120	$20
Erie	$134	$23
USAA	$139	$24
West Bend Mutual	$150	$25
Auto-Owners Insurance Co	$155	$26
Travelers	$165	$28
Acuity	$170	$29
American Family	$170	$29
Chubb	$175	$29
Auto-Owners	$190	$32
Progressive	$200	$34
State Farm	$209	$35
West Bend	$234	$39
Farmers	$294	$50
Allstate	$384	$65

Cheapest Full Coverage Car Insurance in Oshkosh

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 Oshkosh is AAA at $39 per month and $234 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oshkosh, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$234	$39
West Bend Mutual	$349	$58
IMT Insurance Company	$384	$66
Auto-Owners Insurance Co	$389	$65
Chubb	$399	$68
Travelers	$444	$75
American Family	$449	$76
Erie	$549	$92
USAA	$584	$98
Acuity	$599	$101
Rockford Mutual	$633	$108
Nationwide	$684	$115
Rural Mutual	$704	$119
Auto-Owners	$798	$133
West Bend	$808	$138
State Farm	$853	$144
Farmers	$878	$150
Allstate	$1053	$177
Progressive	$1183	$199

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Average Car Insurance in Oshkosh 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 Oshkosh, WI increasing?

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

Car Insurance Premiums by Age in Oshkosh

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	$415
30s	USAA	$333
40s	USAA	$302
50s	USAA	$287
60s	USAA	$298
70s	USAA	$368

Cheapest Car Insurance Rates for Teen Drivers in Oshkosh,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Oshkosh at $28 per month. At $3233 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$165	$28
Travelers	$170	$29
Auto-Owners Insurance Co	$195	$33
Western National	$195	$33
West Bend Mutual	$219	$37
Erie	$818	$138
USAA	$864	$145
American Family	$933	$157
West Bend	$1532	$260
State Farm	$1866	$314
Auto-Owners	$1916	$326
Acuity	$2066	$348
Allstate	$3074	$517
Farmers	$3218	$537
Progressive	$3233	$544

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 Oshkosh.

As young drivers face the highest rates in Oshkosh, USAA offers the cheapest auto insurance rates at $415 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 Oshkosh, Western National is the cheapest car insurance provider. At $125 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 Oshkosh is AutoOwners, offering rates of around $2929 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$125	$21
AAA	$139	$24
West Bend Mutual	$180	$30
Chubb	$200	$34
IMT Insurance Company	$200	$34
Travelers	$234	$39
American Family	$604	$102
Acuity	$748	$126
Erie	$803	$135
State Farm	$908	$151
USAA	$1023	$174
West Bend	$1183	$197
Progressive	$1352	$228
Allstate	$1662	$277
Auto-Owners	$2929	$498

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Car Insurance Rates with An Accident in Oshkosh

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

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

The cheapest car insurance companies after an at-fault accident in Oshkosh include Western National and Rural Mutual, offering $125 and $144, respectively. Progressive is an expensive provider with an average six-month premium of $1976.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$125	$21
Rural Mutual	$144	$24
Auto-Owners Insurance Co	$190	$32
AAA	$195	$33
Chubb	$200	$34
Travelers	$200	$34
West Bend Mutual	$249	$42
West Bend	$424	$71
Erie	$444	$75
USAA	$509	$86
Auto-Owners	$579	$97
American Family	$628	$106
State Farm	$753	$127
Acuity	$918	$155
Farmers	$1207	$202
Allstate	$1577	$265
Progressive	$1976	$333

Oshkosh Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oshkosh WI. For example, the car insurance in Oshkosh after a DUI increases to $664 for a six month policy. While the rate increases by $145 for a six-month policy in the case of a speeding ticket.

Oshkosh auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$713	$119
One Med/PIP claim	$718	$122
Not-at-fault accident	$748	$125
One comp claim	$759	$129
Two Med/PIP claims	$769	$128
Failure to show documents	$779	$133
Driving with expired registration	$798	$133
Failure to wear a seat belt	$803	$137
Two comp claims	$818	$136
Driving without lights	$848	$144
Child safety restraint	$853	$142
Speeding 6 - 10 MPH over limit	$858	$146
At-fault accident - less than $1000	$869	$144
Cell phone violation	$874	$149
Driving too slowly	$878	$146
Failure to yield	$878	$150
Speeding in school zone	$878	$146
Illegal turn	$883	$150
Speeding 11 - 15 MPH over limit	$883	$147
Speeding 16 - 20 MPH over limit	$883	$150
Texting while driving	$883	$147
Wrong way/wrong lane	$883	$150
Failure to stop at a red light	$893	$149
Following too closely	$893	$152
Improper passing	$918	$153
Passing school bus	$933	$159
In 65 MPH zone	$983	$164
At-fault accident - $1000-$2000	$1023	$174
Speeding 21 - 25 MPH over limit	$1023	$171
Operating a vehicle without permission	$1028	$175
At-fault accident - greater than $2000	$1033	$172
Open container	$1042	$177
Reckless driving	$1347	$224
Racing	$1352	$230
Refusal to submit to a chemical test	$1362	$227
Driving with a suspended license	$1368	$233
Leaving scene of an accident/hit and run	$1373	$228
DUI	$1377	$234

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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 Oshkosh 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 Oshkosh.

The cheapest car insurance premiums in Oshkosh are offered by Western National at $125 for a six-month policy. However, it can be as expensive as $1836 with companies like Acuity.

Oshkosh car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$125	$21
Chubb	$200	$34
Travelers	$234	$39
Kemper	$285	$47
West Bend	$584	$98
Erie	$619	$104
American Family	$643	$108
USAA	$669	$113
State Farm	$978	$165
Progressive	$1083	$182
Farmers	$1163	$197
Allstate	$1263	$213
Auto-Owners	$1312	$223
Acuity	$1836	$306

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 Oshkosh are offered by Western National at $125. However, it can be as expensive as $1283 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Oshkosh after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$125	$21
AAA	$160	$27
Auto-Owners Insurance Co	$175	$29
Travelers	$195	$33
Chubb	$200	$34
West Bend Mutual	$229	$39
Erie	$424	$71
American Family	$444	$75
State Farm	$574	$97
USAA	$609	$103
Acuity	$733	$123
Auto-Owners	$798	$136
West Bend	$913	$152
Allstate	$1212	$206
Progressive	$1283	$216

Car Insurance Price Trends in Oshkosh, Wisconsin

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

The average cost of full coverage in the Oshkosh remained steady at $132 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Oshkosh remained steady at $29 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Oshkosh?

The car insurance in Oshkosh is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Oshkosh?

The cheapest car insurance in Oshkosh is $39 per month for full coverage.

How much is car insurance in Oshkosh for teenagers?

Car insurance for teenagers costs $165 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 Oshkosh?

The average cost of car insurance is $750 for a six-month policy. It will cost around $106 per month to insure your car in Oshkosh.

Is car insurance expensive in Oshkosh?

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

Cheapest Car Insurance Quotes in Oshkosh

Why you can trust Way?

How Much Is Car Insurance in Oshkosh

Avg. Car Insurance in Oshkosh

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Oshkosh

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Oshkosh Car Insurance Rates by Company

Cheap Car Insurance Companies in Oshkosh, WI

Way's key takeaways about car insurance in Oshkosh

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oshkosh

Cheapest Liability Coverage in Oshkosh, WI

Cheapest Full Coverage Car Insurance in Oshkosh

Cheapest Full Coverage Car Insurance Quotes in Oshkosh, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oshkosh by Rating Factor

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

Car Insurance Premiums by Age in Oshkosh

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oshkosh,WI

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

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 Oshkosh

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

Oshkosh Car Insurance Rates by Violation

Oshkosh auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oshkosh after a DUI

Oshkosh car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oshkosh after Speeding ticket

Car Insurance Price Trends in Oshkosh, Wisconsin

Average Car Insurance Cost in Oshkosh by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oshkosh, WI

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

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