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Finding the cheapest car insurance quotes in Pell Lake 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 Pell Lake
The car insurance rate in Pell Lake is $630 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $259, making it a popular choice for budget-conscious drivers. Rates in Pell 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.
At $259 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 $387 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 $425
for six months, making it
the third cheapest auto insurance company in Pell Lake.
Pell Lake Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Pell Lake, WI is AAA, offering policies at just $259 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $387.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $707 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pell Lake drivers find the best deals.
Way's key takeaways about car insurance in Pell Lake
The auto insurance costs in Pell Lake fall around $259 for six
months.
The cheapest auto insurance company in Pell Lake is AAA.
Teen drivers pay the highest rate in Pell Lake at $594 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 Pell 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 Pell Lake are given below.
AAA provides
the cheapest minimum car insurance
coverage in Pell Lake. Their Average 6 Month Premium is $111.
Secura is the most
expensive at $149 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 Pell Lake is AAA
at $44 per month and $259
for six months.
Cheapest Full Coverage Car Insurance Quotes in Pell Lake,
WI
Get Your Car Insurance Quote in Pell Lake
Instantly!
Average Car Insurance in Pell 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 Pell Lake, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Pell 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, Pell 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 Pell 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
$445
30s
USAA
$358
40s
USAA
$325
50s
USAA
$308
60s
USAA
$321
70s
USAA
$395
Cheapest Car Insurance Rates for Teen Drivers in
Pell Lake,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Pell Lake at $31
per
month. At $3563 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 Pell Lake.
As young drivers face the highest rates in Pell Lake, USAA
offers the cheapest auto insurance rates at $445 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 Pell Lake,
Western National is
the cheapest car insurance provider. At $139 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
Pell Lake is Allstate, offering
rates of around $1712 for six
months.
Save up to $971/yr on car insurance rates in Pell Lake.
Car Insurance Rates with An Accident in Pell 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 Pell Lake, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Pell Lake
The cheapest car insurance companies after an at-fault accident in
Pell Lake include Western National
and Rural Mutual, offering $139
and $160,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1680.
Here is a list of driving violations that can increase your car
insurance rates in Pell Lake WI. For example, the car
insurance in Pell Lake
after a DUI increases to $734 for a six
month policy. While the rate increases by $160 for a six-month policy in the case of
a speeding ticket.
Pell Lake auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$790
$132
One Med/PIP claim
$795
$135
Not-at-fault accident
$829
$139
One comp claim
$840
$143
Two Med/PIP claims
$851
$141
Failure to show documents
$862
$147
Driving with expired registration
$884
$147
Failure to wear a seat belt
$889
$152
Two comp claims
$906
$151
Driving without lights
$939
$160
Child safety restraint
$945
$157
Speeding 6 - 10 MPH over limit
$950
$162
At-fault accident - less than $1000
$962
$160
Cell phone violation
$967
$165
Driving too slowly
$972
$162
Failure to yield
$972
$166
Speeding in school zone
$972
$162
Illegal turn
$977
$166
Speeding 11 - 15 MPH over limit
$977
$163
Speeding 16 - 20 MPH over limit
$977
$166
Texting while driving
$977
$163
Wrong way/wrong lane
$977
$166
Failure to stop at a red light
$989
$165
Following too closely
$989
$168
Improper passing
$1016
$169
Passing school bus
$1033
$176
In 65 MPH zone
$1088
$181
At-fault accident - $1000-$2000
$1133
$193
Speeding 21 - 25 MPH over limit
$1133
$189
Operating a vehicle without permission
$1138
$193
At-fault accident - greater than $2000
$1144
$191
Open container
$1154
$196
Reckless driving
$1492
$248
Racing
$1497
$255
Refusal to submit to a chemical test
$1508
$251
Driving with a suspended license
$1514
$258
Leaving scene of an accident/hit and run
$1520
$253
DUI
$1524
$259
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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 Pell 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 Pell Lake.
The cheapest car insurance premiums in
Pell Lake are
offered by Western National at $139 for a six-month policy.
However, it can be as
expensive as $1342 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 Pell Lake are offered by Western National
at $139. However,
it can be as expensive as $1248
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Pell Lake after Speeding ticket
Car Insurance Price Trends in Pell Lake,
Wisconsin
Car insurance rates in Pell Lake have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pell Lake rose by
$116 in December
compared to $113 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 Pell Lake rose to $32 in December,
compared to $30 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Pell Lake by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Pell Lake. At $N/A for a
six-month policy, insuring
your car at N/A 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 Pell Lake?
The car insurance in Pell Lake is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Pell Lake?
The cheapest car insurance in Pell Lake
is $44 per month
for full coverage.
How much is car insurance in Pell Lake for teenagers?
Car insurance for teenagers costs $182 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
Pell Lake?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $106 per month to insure your
car in Pell Lake.
Is car insurance expensive in Pell Lake?
Car insurance can be expensive in Pell Lake if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Pell Lake can be
affordable.
What is the best car insurance in Pell Lake,
WI?
The best car insurance company in Pell Lake
WI is
AAA, offering $259 for a
six-month policy.
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Pell Lake Car Insurance
