We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Phelps 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 Phelps
The car insurance rate in Phelps is $731 for a six-month policy, which is $54 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $301, making it a popular choice for budget-conscious drivers. Rates in Phelps 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 $301 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 $449 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 $494
for six months, making it
the third cheapest auto insurance company in Phelps.
Phelps Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Phelps, WI is AAA, offering policies at just $301 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $449.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $821 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Phelps drivers find the best deals.
The auto insurance costs in Phelps fall around $301 for six
months.
The cheapest auto insurance company in Phelps is AAA.
Teen drivers pay the highest rate in Phelps at $690 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 Phelps
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 Phelps are given below.
AAA provides
the cheapest minimum car insurance
coverage in Phelps. Their Average 6 Month Premium is $129.
Secura is the most
expensive at $173 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 Phelps is AAA
at $51 per month and $301
for six months.
Cheapest Full Coverage Car Insurance Quotes in Phelps,
WI
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 Phelps, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Phelps, 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, Phelps's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Phelps
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
$517
30s
USAA
$416
40s
USAA
$377
50s
USAA
$357
60s
USAA
$373
70s
USAA
$459
Cheapest Car Insurance Rates for Teen Drivers in
Phelps,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Phelps at $36
per
month. At $4137 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 Phelps.
As young drivers face the highest rates in Phelps, USAA
offers the cheapest auto insurance rates at $517 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 Phelps,
Western National is
the cheapest car insurance provider. At $161 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
Phelps is Allstate, offering
rates of around $1988 for six
months.
Save up to $971/yr on car insurance rates in Phelps.
Car Insurance Rates with An Accident in Phelps
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 Phelps, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Phelps
The cheapest car insurance companies after an at-fault accident in
Phelps include Western National
and Rural Mutual, offering $161
and $186,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1950.
Here is a list of driving violations that can increase your car
insurance rates in Phelps WI. For example, the car
insurance in Phelps
after a DUI increases to $853 for a six
month policy. While the rate increases by $187 for a six-month policy in the case of
a speeding ticket.
Phelps auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$917
$153
One Med/PIP claim
$923
$157
Not-at-fault accident
$962
$161
One comp claim
$975
$166
Two Med/PIP claims
$988
$164
Failure to show documents
$1001
$171
Driving with expired registration
$1026
$171
Failure to wear a seat belt
$1032
$176
Two comp claims
$1052
$175
Driving without lights
$1091
$186
Child safety restraint
$1097
$183
Speeding 6 - 10 MPH over limit
$1104
$188
At-fault accident - less than $1000
$1117
$186
Cell phone violation
$1123
$191
Driving too slowly
$1129
$188
Failure to yield
$1129
$192
Speeding in school zone
$1129
$188
Illegal turn
$1135
$193
Speeding 11 - 15 MPH over limit
$1135
$189
Speeding 16 - 20 MPH over limit
$1135
$193
Texting while driving
$1135
$189
Wrong way/wrong lane
$1135
$193
Failure to stop at a red light
$1148
$191
Following too closely
$1148
$195
Improper passing
$1180
$197
Passing school bus
$1200
$204
In 65 MPH zone
$1264
$211
At-fault accident - $1000-$2000
$1315
$224
Speeding 21 - 25 MPH over limit
$1315
$219
Operating a vehicle without permission
$1322
$225
At-fault accident - greater than $2000
$1328
$221
Open container
$1340
$228
Reckless driving
$1732
$288
Racing
$1739
$296
Refusal to submit to a chemical test
$1752
$292
Driving with a suspended license
$1758
$299
Leaving scene of an accident/hit and run
$1765
$294
DUI
$1770
$301
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Phelps 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 Phelps.
The cheapest car insurance premiums in
Phelps are
offered by Western National at $161 for a six-month policy.
However, it can be as
expensive as $1558 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 Phelps are offered by Western National
at $161. However,
it can be as expensive as $1449
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Phelps after Speeding ticket
Car insurance rates in Phelps have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Phelps rose by
$135 in December
compared to $132 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 Phelps rose to $37 in December,
compared to $35 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
Phelps. At $1462 for a
six-month policy, insuring
your car at 54554 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Phelps?
The car insurance in Phelps is $22 per month, which is lower than the national average.
What is the cheapest car insurance in Phelps?
The cheapest car insurance in Phelps
is $51 per month
for full coverage.
How much is car insurance in Phelps for teenagers?
Car insurance for teenagers costs $212 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
Phelps?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $123 per month to insure your
car in Phelps.
Is car insurance expensive in Phelps?
Car insurance can be expensive in Phelps if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Phelps can be
affordable.
What is the best car insurance in Phelps,
WI?
The best car insurance company in Phelps
WI is
AAA, offering $301 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Phelps right now.
Find Car Insurance Rates in Cities Near Phelps, WI
Car Insurance Rates by State in the USA (2025 Update)
Phelps Car Insurance
