Cheapest Car Insurance Quotes in Paddock Lake

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Paddock Lake Car Insurance

^$ 20

/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 Paddock Lake

The car insurance rate in Paddock Lake is $663 for a six-month policy, which is $14 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $273, making it a popular choice for budget-conscious drivers. Rates in Paddock Lake 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 Paddock Lake

$663

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Paddock Lake

1st place: AAA

At $273 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 $408 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 $448 for six months, making it the third cheapest auto insurance company in Paddock Lake.

Paddock Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Paddock Lake, WI is AAA, offering policies at just $273 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $408.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $745 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Paddock Lake drivers find the best deals.

Cheap Car Insurance Companies in Paddock Lake, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$273	$46
West Bend Mutual	$408	$68
IMT Insurance Company	$448	$76
Auto-Owners Insurance Co	$454	$75
Chubb	$466	$79
Acuity	$501	$84
American Family	$507	$85
Travelers	$518	$87
Erie	$606	$102
USAA	$705	$119
Rockford Mutual	$739	$125
Nationwide	$798	$134
Rural Mutual	$821	$139
State Farm	$821	$138
Progressive	$960	$162
Farmers	$1024	$171
Allstate	$1188	$200
Secura	$629	$105
Hastings Mutual	$745	$126

Key Takeaways

Way's key takeaways about car insurance in Paddock Lake

The auto insurance costs in Paddock Lake fall around $273 for six months.
The cheapest auto insurance company in Paddock Lake is AAA.
Teen drivers pay the highest rate in Paddock Lake at $626 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Paddock Lake

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 Paddock Lake are given below.

AAA provides the cheapest minimum car insurance coverage in Paddock Lake. Their Average 6 Month Premium is $117. Secura is the most expensive at $157 for the same period.

Cheapest Liability Coverage in Paddock Lake, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$117	$20
Rural Mutual	$128	$22
Western National	$140	$24
Erie	$157	$26
USAA	$169	$28
West Bend Mutual	$174	$29
Auto-Owners Insurance Co	$180	$30
Acuity	$186	$31
American Family	$192	$32
Travelers	$192	$32
Progressive	$198	$33
Chubb	$204	$34
State Farm	$221	$37
Farmers	$343	$59
Allstate	$454	$76
Secura	$157	$26

Cheapest Full Coverage Car Insurance in Paddock Lake

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 Paddock Lake is AAA at $46 per month and $273 for six months.

Cheapest Full Coverage Car Insurance Quotes in Paddock Lake, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$273	$46
West Bend Mutual	$408	$68
IMT Insurance Company	$448	$76
Auto-Owners Insurance Co	$454	$75
Chubb	$466	$79
Acuity	$501	$84
American Family	$507	$85
Travelers	$518	$87
Erie	$606	$102
USAA	$705	$119
Rockford Mutual	$739	$125
Nationwide	$798	$134
Rural Mutual	$821	$139
State Farm	$821	$138
Progressive	$960	$162
Farmers	$1024	$171
Allstate	$1188	$200
Secura	$629	$105
Hastings Mutual	$745	$126

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

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

Car Insurance Premiums by Age in Paddock Lake

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	$469
30s	USAA	$377
40s	USAA	$342
50s	USAA	$324
60s	USAA	$338
70s	USAA	$417

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Paddock Lake at $32 per month. At $3754 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$192	$32
Travelers	$198	$33
Auto-Owners Insurance Co	$227	$38
Western National	$227	$38
West Bend Mutual	$256	$43
USAA	$844	$142
Erie	$867	$146
American Family	$1048	$176
Acuity	$1595	$269
State Farm	$1839	$310
Progressive	$2655	$447
Allstate	$3499	$589
Farmers	$3754	$626

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 Paddock Lake.

As young drivers face the highest rates in Paddock Lake, USAA offers the cheapest auto insurance rates at $469 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 Paddock Lake, Western National is the cheapest car insurance provider. At $146 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 Paddock Lake is Allstate, offering rates of around $1804 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
AAA	$163	$27
West Bend Mutual	$210	$35
Chubb	$233	$39
IMT Insurance Company	$233	$39
Travelers	$273	$46
Acuity	$576	$97
American Family	$663	$112
State Farm	$711	$119
Erie	$768	$129
Progressive	$897	$151
Allstate	$1804	$307

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

Car Insurance Rates with An Accident in Paddock Lake

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

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

The cheapest car insurance companies after an at-fault accident in Paddock Lake include Western National and Rural Mutual, offering $146 and $169, respectively. Allstate is an expensive provider with an average six-month premium of $1770.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
Rural Mutual	$169	$28
Auto-Owners Insurance Co	$221	$37
AAA	$227	$38
Chubb	$233	$39
Travelers	$233	$39
West Bend	$244	$41
West Bend Mutual	$291	$50
Auto-Owners	$303	$50
Erie	$466	$78
USAA	$466	$78
American Family	$705	$119
Acuity	$739	$124
State Farm	$745	$125
Farmers	$1408	$235
Progressive	$1566	$264
Allstate	$1770	$298

Paddock Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Paddock Lake WI. For example, the car insurance in Paddock Lake after a DUI increases to $774 for a six month policy. While the rate increases by $170 for a six-month policy in the case of a speeding ticket.

Paddock Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$832	$139
One Med/PIP claim	$838	$142
Not-at-fault accident	$873	$146
One comp claim	$885	$151
Two Med/PIP claims	$897	$149
Failure to show documents	$908	$155
Driving with expired registration	$931	$155
Failure to wear a seat belt	$937	$160
Two comp claims	$955	$159
Driving without lights	$990	$169
Child safety restraint	$996	$166
Speeding 6 - 10 MPH over limit	$1002	$171
At-fault accident - less than $1000	$1013	$169
Cell phone violation	$1019	$173
Driving too slowly	$1024	$171
Failure to yield	$1024	$174
Speeding in school zone	$1024	$171
Illegal turn	$1030	$175
Speeding 11 - 15 MPH over limit	$1030	$172
Speeding 16 - 20 MPH over limit	$1030	$175
Texting while driving	$1030	$172
Wrong way/wrong lane	$1030	$175
Failure to stop at a red light	$1042	$173
Following too closely	$1042	$177
Improper passing	$1071	$178
Passing school bus	$1089	$185
In 65 MPH zone	$1147	$191
At-fault accident - $1000-$2000	$1194	$203
Speeding 21 - 25 MPH over limit	$1194	$199
Operating a vehicle without permission	$1200	$204
At-fault accident - greater than $2000	$1205	$201
Open container	$1216	$207
Reckless driving	$1572	$262
Racing	$1578	$269
Refusal to submit to a chemical test	$1590	$265
Driving with a suspended license	$1595	$271
Leaving scene of an accident/hit and run	$1601	$267
DUI	$1606	$273

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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 Paddock Lake 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 Paddock Lake.

The cheapest car insurance premiums in Paddock Lake are offered by Western National at $146 for a six-month policy. However, it can be as expensive as $1414 with companies like Allstate.

Paddock Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
Chubb	$233	$39
Travelers	$273	$46
West Bend	$326	$54
Kemper	$332	$57
USAA	$612	$103
Erie	$634	$107
American Family	$722	$122
Progressive	$867	$146
State Farm	$931	$157
Farmers	$1356	$230
Acuity	$1368	$228
Allstate	$1414	$238

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 Paddock Lake are offered by Western National at $146. However, it can be as expensive as $1315 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Paddock Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$146	$25
AAA	$186	$31
Auto-Owners Insurance Co	$204	$34
Travelers	$227	$38
Chubb	$233	$39
West Bend Mutual	$268	$45
Erie	$414	$70
State Farm	$483	$81
American Family	$489	$82
Acuity	$582	$98
Progressive	$768	$129
Allstate	$1315	$223

Car Insurance Price Trends in Paddock Lake, Wisconsin

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

The average cost of full coverage in the Paddock Lake rose by $123 in December compared to $120 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 Paddock Lake rose to $33 in December, compared to $31 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 Paddock Lake?

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

What is the cheapest car insurance in Paddock Lake?

The cheapest car insurance in Paddock Lake is $46 per month for full coverage.

How much is car insurance in Paddock Lake for teenagers?

Car insurance for teenagers costs $192 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 Paddock Lake?

The average cost of car insurance is $677 for a six-month policy. It will cost around $112 per month to insure your car in Paddock Lake.

Is car insurance expensive in Paddock Lake?

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

Cheapest Car Insurance Quotes in Paddock Lake

Why you can trust Way?

How Much Is Car Insurance in Paddock Lake

Avg. Car Insurance in Paddock Lake

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Paddock Lake

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Paddock Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Paddock Lake, WI

Way's key takeaways about car insurance in Paddock Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Paddock Lake

Cheapest Liability Coverage in Paddock Lake, WI

Cheapest Full Coverage Car Insurance in Paddock Lake

Cheapest Full Coverage Car Insurance Quotes in Paddock Lake, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Paddock Lake by Rating Factor

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

Car Insurance Premiums by Age in Paddock Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Paddock Lake

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

Paddock Lake Car Insurance Rates by Violation

Paddock Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Paddock Lake after a DUI

Paddock Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Paddock Lake after Speeding ticket

Car Insurance Price Trends in Paddock Lake, Wisconsin

Average Car Insurance Cost in Paddock Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Paddock Lake, WI

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

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