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Pepin Car Insurance
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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.
The car insurance rate in Pepin is $879 for a six-month policy, which is $134 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Pepin 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 $329 for a six month policy, AAA offers the cheapest auto insurance rates in the city.
West Bend Mutual offers auto insurance rates at $491 for a six-month policy, making it one of the cheapest to insure with.
IMT Insurance Company offers auto insurance rates at $539 for six months, making it the third cheapest auto insurance company in Pepin.
Based on our research, the cheapest car insurance company in Pepin, WI is AAA, offering policies at just $329 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $491.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pepin drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $329 | $55 |
| West Bend Mutual | $491 | $81 |
| IMT Insurance Company | $539 | $92 |
| Auto-Owners Insurance Co | $546 | $91 |
| Chubb | $561 | $96 |
| Travelers | $624 | $105 |
| American Family | $631 | $106 |
| Erie | $771 | $130 |
| USAA | $820 | $138 |
| Acuity | $841 | $142 |
| Rockford Mutual | $890 | $151 |
| Nationwide | $961 | $162 |
| Rural Mutual | $989 | $168 |
| Auto-Owners | $1121 | $186 |
| West Bend | $1135 | $194 |
| State Farm | $1199 | $202 |
| Farmers | $1233 | $210 |
| Allstate | $1479 | $249 |
| Progressive | $1661 | $280 |
| Secura | $758 | $126 |
| Hastings Mutual | $897 | $152 |
Save up to $971/yr with our auto insurance quotes
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 Pepin are given below.
AAA provides the cheapest minimum car insurance coverage in Pepin. Their Average 6 Month Premium is $140. Secura is the most expensive at $189 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $140 | $24 |
| Rural Mutual | $155 | $26 |
| Western National | $169 | $28 |
| Erie | $189 | $32 |
| USAA | $196 | $33 |
| West Bend Mutual | $210 | $35 |
| Auto-Owners Insurance Co | $217 | $37 |
| Travelers | $231 | $39 |
| Acuity | $238 | $40 |
| American Family | $238 | $40 |
| Chubb | $245 | $41 |
| Auto-Owners | $267 | $45 |
| Progressive | $281 | $47 |
| State Farm | $294 | $50 |
| West Bend | $329 | $55 |
| Farmers | $413 | $71 |
| Allstate | $539 | $91 |
| Secura | $189 | $32 |
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 Pepin is AAA at $55 per month and $329 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $329 | $55 |
| West Bend Mutual | $491 | $81 |
| IMT Insurance Company | $539 | $92 |
| Auto-Owners Insurance Co | $546 | $91 |
| Chubb | $561 | $96 |
| Travelers | $624 | $105 |
| American Family | $631 | $106 |
| Erie | $771 | $130 |
| USAA | $820 | $138 |
| Acuity | $841 | $142 |
| Rockford Mutual | $890 | $151 |
| Nationwide | $961 | $162 |
| Rural Mutual | $989 | $168 |
| Auto-Owners | $1121 | $186 |
| West Bend | $1135 | $194 |
| State Farm | $1199 | $202 |
| Farmers | $1233 | $210 |
| Allstate | $1479 | $249 |
| Progressive | $1661 | $280 |
| Secura | $758 | $126 |
| Hastings Mutual | $897 | $152 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Pepin, 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, Pepin's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $583 |
| 30s | USAA | $468 |
| 40s | USAA | $425 |
| 50s | USAA | $404 |
| 60s | USAA | $419 |
| 70s | USAA | $517 |
If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Pepin at $39 per month. At $4542 for a six-month premium, Progressive offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $231 | $39 |
| Travelers | $238 | $40 |
| Auto-Owners Insurance Co | $274 | $46 |
| Western National | $274 | $46 |
| West Bend Mutual | $308 | $52 |
| Erie | $1149 | $194 |
| USAA | $1213 | $204 |
| American Family | $1311 | $221 |
| West Bend | $2152 | $366 |
| State Farm | $2622 | $441 |
| Auto-Owners | $2692 | $458 |
| Acuity | $2902 | $489 |
| Allstate | $4318 | $727 |
| Farmers | $4521 | $754 |
| Progressive | $4542 | $765 |
Teen Car Insurance Rates in WI by Age
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.
For those with poor credit scores in Pepin, Western National is the cheapest car insurance provider. At $176 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 Pepin is AutoOwners, offering rates of around $4115 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $176 | $30 |
| AAA | $196 | $33 |
| West Bend Mutual | $253 | $42 |
| Chubb | $281 | $47 |
| IMT Insurance Company | $281 | $47 |
| Travelers | $329 | $55 |
| American Family | $848 | $143 |
| Acuity | $1051 | $177 |
| Erie | $1128 | $190 |
| State Farm | $1276 | $212 |
| USAA | $1437 | $244 |
| West Bend | $1661 | $277 |
| Progressive | $1900 | $320 |
| Allstate | $2334 | $389 |
| Auto-Owners | $4115 | $700 |
Save up to $971/yr on car insurance rates in Pepin.
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 Pepin, WI, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Pepin include Western National and Rural Mutual, offering $176 and $203, respectively. Progressive is an expensive provider with an average six-month premium of $2775.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $176 | $30 |
| Rural Mutual | $203 | $34 |
| Auto-Owners Insurance Co | $267 | $45 |
| AAA | $274 | $46 |
| Chubb | $281 | $47 |
| Travelers | $281 | $47 |
| West Bend Mutual | $350 | $59 |
| West Bend | $596 | $100 |
| Erie | $624 | $105 |
| USAA | $715 | $120 |
| Auto-Owners | $813 | $137 |
| American Family | $883 | $149 |
| State Farm | $1058 | $178 |
| Acuity | $1290 | $217 |
| Farmers | $1696 | $283 |
| Allstate | $2215 | $373 |
| Progressive | $2775 | $467 |
Here is a list of driving violations that can increase your car insurance rates in Pepin WI. For example, the car insurance in Pepin after a DUI increases to $932 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1002 | $168 |
| One Med/PIP claim | $1009 | $171 |
| Not-at-fault accident | $1051 | $176 |
| One comp claim | $1066 | $182 |
| Two Med/PIP claims | $1080 | $179 |
| Failure to show documents | $1094 | $186 |
| Driving with expired registration | $1121 | $186 |
| Failure to wear a seat belt | $1128 | $192 |
| Two comp claims | $1149 | $191 |
| Driving without lights | $1192 | $203 |
| Child safety restraint | $1199 | $199 |
| Speeding 6 - 10 MPH over limit | $1206 | $205 |
| At-fault accident - less than $1000 | $1220 | $203 |
| Cell phone violation | $1227 | $209 |
| Driving too slowly | $1233 | $205 |
| Failure to yield | $1233 | $210 |
| Speeding in school zone | $1233 | $205 |
| Illegal turn | $1240 | $211 |
| Speeding 11 - 15 MPH over limit | $1240 | $207 |
| Speeding 16 - 20 MPH over limit | $1240 | $211 |
| Texting while driving | $1240 | $207 |
| Wrong way/wrong lane | $1240 | $211 |
| Failure to stop at a red light | $1254 | $209 |
| Following too closely | $1254 | $214 |
| Improper passing | $1290 | $215 |
| Passing school bus | $1311 | $223 |
| In 65 MPH zone | $1381 | $230 |
| At-fault accident - $1000-$2000 | $1437 | $244 |
| Speeding 21 - 25 MPH over limit | $1437 | $240 |
| Operating a vehicle without permission | $1444 | $245 |
| At-fault accident - greater than $2000 | $1451 | $242 |
| Open container | $1464 | $249 |
| Reckless driving | $1893 | $315 |
| Racing | $1900 | $323 |
| Refusal to submit to a chemical test | $1914 | $319 |
| Driving with a suspended license | $1921 | $327 |
| Leaving scene of an accident/hit and run | $1928 | $321 |
| DUI | $1934 | $329 |
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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.
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 Pepin.
The cheapest car insurance premiums in Pepin are offered by Western National at $176 for a six-month policy. However, it can be as expensive as $2579 with companies like Acuity.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $176 | $30 |
| Chubb | $281 | $47 |
| Travelers | $329 | $55 |
| Kemper | $400 | $66 |
| West Bend | $820 | $138 |
| Erie | $870 | $146 |
| American Family | $904 | $152 |
| USAA | $939 | $158 |
| State Farm | $1374 | $231 |
| Progressive | $1521 | $256 |
| Farmers | $1633 | $277 |
| Allstate | $1774 | $299 |
| Auto-Owners | $1843 | $314 |
| Acuity | $2579 | $430 |
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 Pepin are offered by Western National at $176. However, it can be as expensive as $1802 with companies like Progressive for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Western National | $176 | $30 |
| AAA | $224 | $38 |
| Auto-Owners Insurance Co | $245 | $41 |
| Travelers | $274 | $46 |
| Chubb | $281 | $47 |
| West Bend Mutual | $322 | $54 |
| Erie | $596 | $100 |
| American Family | $624 | $105 |
| State Farm | $806 | $136 |
| USAA | $856 | $145 |
| Acuity | $1030 | $173 |
| Auto-Owners | $1121 | $191 |
| West Bend | $1283 | $214 |
| Allstate | $1703 | $289 |
| Progressive | $1802 | $303 |
Car insurance rates in Pepin have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Pepin rose by $185 in January compared to $148 of December. In other words, there has been an increase by $37 when you compare January and December.
The average cost of liability insurance in the Pepin rose to $41 in January, compared to $40 in December. This represents an increase of $1 when comparing January and December.
How much is car insurance in Pepin?
The car insurance in Pepin is $24 per month, which is lower than the national average.
What is the cheapest car insurance in Pepin?
The cheapest car insurance in Pepin is $55 per month for full coverage.
How much is car insurance in Pepin for teenagers?
Car insurance for teenagers costs $231 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 Pepin?
The average cost of car insurance is $745 for a six-month policy. It will cost around $148 per month to insure your car in Pepin.
Is car insurance expensive in Pepin?
Car insurance can be expensive in Pepin if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Pepin can be affordable.
What is the best car insurance in Pepin, WI?
The best car insurance company in Pepin WI is AAA, offering $329 for a six-month policy.
Cut auto insurance costs in Pepin right now.