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Finding the cheapest car insurance quotes in Pearson 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Pearson
The car insurance rate in Pearson is $711 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $293, making it a popular choice for budget-conscious drivers. Rates in Pearson 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.
At $293 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 $437 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 $480
for six months, making it
the third cheapest auto insurance company in Pearson.
Pearson Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pearson, WI is AAA, offering policies at just $293 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $437.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $798 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pearson drivers find the best deals.
Way's key takeaways about car insurance in Pearson
The auto insurance costs in Pearson fall around $293 for six
months.
The cheapest auto insurance company in Pearson is AAA.
Teen drivers pay the highest rate in Pearson at $671 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Pearson
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 Pearson are given below.
AAA provides
the cheapest minimum car insurance
coverage in Pearson. Their Average 6 Month Premium is $125.
Secura is the most
expensive at $168 for the same
period.
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 Pearson is AAA
at $49 per month and $293
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pearson,
WI
Get Your Car Insurance Quote in Pearson
Instantly!
Average Car Insurance in Pearson 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 Pearson, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pearson, 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, Pearson's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Pearson
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
$503
30s
USAA
$404
40s
USAA
$366
50s
USAA
$348
60s
USAA
$362
70s
USAA
$446
Cheapest Car Insurance Rates for Teen Drivers in
Pearson,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Pearson at $35
per
month. At $4023 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Pearson.
As young drivers face the highest rates in Pearson, USAA
offers the cheapest auto insurance rates at $503 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 Pearson,
Western National is
the cheapest car insurance provider. At $156 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
Pearson is Allstate, offering
rates of around $1933 for six
months.
Save up to $971/yr on car insurance rates in Pearson.
Car Insurance Rates with An Accident in Pearson
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 Pearson, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pearson
The cheapest car insurance companies after an at-fault accident in
Pearson include Western National
and Rural Mutual, offering $156
and $181,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1896.
Here is a list of driving violations that can increase your car
insurance rates in Pearson WI. For example, the car
insurance in Pearson
after a DUI increases to $830 for a six
month policy. While the rate increases by $182 for a six-month policy in the case of
a speeding ticket.
Pearson auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$891
$149
One Med/PIP claim
$898
$152
Not-at-fault accident
$936
$156
One comp claim
$948
$162
Two Med/PIP claims
$961
$160
Failure to show documents
$973
$166
Driving with expired registration
$998
$166
Failure to wear a seat belt
$1004
$171
Two comp claims
$1023
$170
Driving without lights
$1061
$181
Child safety restraint
$1067
$177
Speeding 6 - 10 MPH over limit
$1073
$183
At-fault accident - less than $1000
$1086
$181
Cell phone violation
$1092
$186
Driving too slowly
$1097
$183
Failure to yield
$1097
$187
Speeding in school zone
$1097
$183
Illegal turn
$1104
$188
Speeding 11 - 15 MPH over limit
$1104
$184
Speeding 16 - 20 MPH over limit
$1104
$188
Texting while driving
$1104
$184
Wrong way/wrong lane
$1104
$188
Failure to stop at a red light
$1116
$186
Following too closely
$1116
$190
Improper passing
$1148
$191
Passing school bus
$1167
$198
In 65 MPH zone
$1229
$205
At-fault accident - $1000-$2000
$1279
$217
Speeding 21 - 25 MPH over limit
$1279
$213
Operating a vehicle without permission
$1285
$218
At-fault accident - greater than $2000
$1292
$215
Open container
$1303
$222
Reckless driving
$1684
$280
Racing
$1691
$288
Refusal to submit to a chemical test
$1703
$284
Driving with a suspended license
$1709
$291
Leaving scene of an accident/hit and run
$1716
$286
DUI
$1721
$293
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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 Pearson 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 Pearson.
The cheapest car insurance premiums in
Pearson are
offered by Western National at $156 for a six-month policy.
However, it can be as
expensive as $1515 with companies
like Allstate.
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 Pearson are offered by Western National
at $156. However,
it can be as expensive as $1409
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pearson after Speeding ticket
Car insurance rates in Pearson have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pearson rose by
$131 in December
compared to $128 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 Pearson rose to $36 in December,
compared to $34 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pearson. At $1421 for a
six-month policy, insuring
your car at 54462 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Pearson?
The car insurance in Pearson is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Pearson?
The cheapest car insurance in Pearson
is $49 per month
for full coverage.
How much is car insurance in Pearson for teenagers?
Car insurance for teenagers costs $206 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
Pearson?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $120 per month to insure your
car in Pearson.
Is car insurance expensive in Pearson?
Car insurance can be expensive in Pearson if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pearson can be
affordable.
What is the best car insurance in Pearson,
WI?
The best car insurance company in Pearson
WI is
AAA, offering $293 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Pearson, WI
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Pearson Car Insurance
