Cheapest Car Insurance Quotes in Prairie Farm

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406,175 Policies Sold

Prairie Farm Car Insurance

^$ 24

/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 Prairie Farm

The car insurance rate in Prairie Farm is $909 for a six-month policy, which is $164 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $340, making it a popular choice for budget-conscious drivers. Rates in Prairie Farm 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 Prairie Farm

$909

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Prairie Farm

1st place: AAA

At $340 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 $508 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 $558 for six months, making it the third cheapest auto insurance company in Prairie Farm.

Prairie Farm Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prairie Farm, WI is AAA, offering policies at just $340 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $508.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $927 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prairie Farm drivers find the best deals.

Cheap Car Insurance Companies in Prairie Farm, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$340	$57
West Bend Mutual	$508	$84
IMT Insurance Company	$558	$95
Auto-Owners Insurance Co	$565	$94
Chubb	$580	$99
Travelers	$645	$109
American Family	$653	$110
Erie	$797	$134
USAA	$848	$143
Acuity	$870	$146
Rockford Mutual	$920	$156
Nationwide	$993	$167
Rural Mutual	$1022	$173
Auto-Owners	$1159	$193
West Bend	$1174	$200
State Farm	$1240	$209
Farmers	$1275	$217
Allstate	$1529	$257
Progressive	$1718	$289
Secura	$783	$131
Hastings Mutual	$927	$157

Key Takeaways

Way's key takeaways about car insurance in Prairie Farm

The auto insurance costs in Prairie Farm fall around $340 for six months.
The cheapest auto insurance company in Prairie Farm is AAA.
Teen drivers pay the highest rate in Prairie Farm at $791 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 Prairie Farm

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 Prairie Farm are given below.

AAA provides the cheapest minimum car insurance coverage in Prairie Farm. Their Average 6 Month Premium is $145. Secura is the most expensive at $195 for the same period.

Cheapest Liability Coverage in Prairie Farm, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$145	$24
Rural Mutual	$160	$27
Western National	$174	$29
Erie	$195	$33
USAA	$203	$34
West Bend Mutual	$217	$37
Auto-Owners Insurance Co	$224	$38
Travelers	$239	$40
Acuity	$246	$41
American Family	$246	$41
Chubb	$254	$43
Auto-Owners	$276	$46
Progressive	$290	$49
State Farm	$304	$51
West Bend	$340	$57
Farmers	$427	$73
Allstate	$558	$94
Secura	$195	$33

Cheapest Full Coverage Car Insurance in Prairie Farm

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 Prairie Farm is AAA at $57 per month and $340 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prairie Farm, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$340	$57
West Bend Mutual	$508	$84
IMT Insurance Company	$558	$95
Auto-Owners Insurance Co	$565	$94
Chubb	$580	$99
Travelers	$645	$109
American Family	$653	$110
Erie	$797	$134
USAA	$848	$143
Acuity	$870	$146
Rockford Mutual	$920	$156
Nationwide	$993	$167
Rural Mutual	$1022	$173
Auto-Owners	$1159	$193
West Bend	$1174	$200
State Farm	$1240	$209
Farmers	$1275	$217
Allstate	$1529	$257
Progressive	$1718	$289
Secura	$783	$131
Hastings Mutual	$927	$157

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Average Car Insurance in Prairie Farm 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 Prairie Farm, WI increasing?

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

Car Insurance Premiums by Age in Prairie Farm

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	$603
30s	USAA	$484
40s	USAA	$439
50s	USAA	$417
60s	USAA	$433
70s	USAA	$534

Cheapest Car Insurance Rates for Teen Drivers in Prairie Farm,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Prairie Farm at $40 per month. At $4696 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$239	$40
Travelers	$246	$41
Auto-Owners Insurance Co	$283	$48
Western National	$283	$48
West Bend Mutual	$318	$54
Erie	$1188	$200
USAA	$1254	$211
American Family	$1355	$228
West Bend	$2225	$378
State Farm	$2711	$456
Auto-Owners	$2783	$473
Acuity	$3000	$505
Allstate	$4464	$752
Farmers	$4674	$780
Progressive	$4696	$791

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 Prairie Farm.

As young drivers face the highest rates in Prairie Farm, USAA offers the cheapest auto insurance rates at $603 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 Prairie Farm, Western National is the cheapest car insurance provider. At $182 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 Prairie Farm is AutoOwners, offering rates of around $4254 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
AAA	$203	$34
West Bend Mutual	$261	$44
Chubb	$290	$49
IMT Insurance Company	$290	$49
Travelers	$340	$57
American Family	$877	$148
Acuity	$1087	$183
Erie	$1166	$196
State Farm	$1319	$220
USAA	$1486	$253
West Bend	$1718	$287
Progressive	$1964	$331
Allstate	$2413	$403
Auto-Owners	$4254	$723

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Prairie Farm.

Car Insurance Rates with An Accident in Prairie Farm

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 Prairie Farm, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie Farm

The cheapest car insurance companies after an at-fault accident in Prairie Farm include Western National and Rural Mutual, offering $182 and $210, respectively. Progressive is an expensive provider with an average six-month premium of $2869.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
Rural Mutual	$210	$35
Auto-Owners Insurance Co	$276	$46
AAA	$283	$48
Chubb	$290	$49
Travelers	$290	$49
West Bend Mutual	$362	$61
West Bend	$616	$104
Erie	$645	$109
USAA	$739	$124
Auto-Owners	$841	$142
American Family	$913	$154
State Farm	$1094	$184
Acuity	$1333	$224
Farmers	$1753	$293
Allstate	$2290	$386
Progressive	$2869	$483

Prairie Farm Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prairie Farm WI. For example, the car insurance in Prairie Farm after a DUI increases to $964 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Prairie Farm auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1036	$173
One Med/PIP claim	$1043	$177
Not-at-fault accident	$1087	$182
One comp claim	$1102	$188
Two Med/PIP claims	$1116	$185
Failure to show documents	$1131	$193
Driving with expired registration	$1159	$193
Failure to wear a seat belt	$1166	$199
Two comp claims	$1188	$198
Driving without lights	$1232	$210
Child safety restraint	$1240	$206
Speeding 6 - 10 MPH over limit	$1247	$212
At-fault accident - less than $1000	$1261	$210
Cell phone violation	$1269	$216
Driving too slowly	$1275	$212
Failure to yield	$1275	$217
Speeding in school zone	$1275	$212
Illegal turn	$1282	$218
Speeding 11 - 15 MPH over limit	$1282	$214
Speeding 16 - 20 MPH over limit	$1282	$218
Texting while driving	$1282	$214
Wrong way/wrong lane	$1282	$218
Failure to stop at a red light	$1297	$216
Following too closely	$1297	$221
Improper passing	$1333	$222
Passing school bus	$1355	$231
In 65 MPH zone	$1427	$238
At-fault accident - $1000-$2000	$1486	$253
Speeding 21 - 25 MPH over limit	$1486	$248
Operating a vehicle without permission	$1493	$254
At-fault accident - greater than $2000	$1501	$250
Open container	$1514	$257
Reckless driving	$1957	$326
Racing	$1964	$334
Refusal to submit to a chemical test	$1979	$329
Driving with a suspended license	$1986	$338
Leaving scene of an accident/hit and run	$1993	$332
DUI	$2000	$340

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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 Prairie Farm 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 Prairie Farm.

The cheapest car insurance premiums in Prairie Farm are offered by Western National at $182 for a six-month policy. However, it can be as expensive as $2667 with companies like Acuity.

Prairie Farm car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
Chubb	$290	$49
Travelers	$340	$57
Kemper	$414	$68
West Bend	$848	$143
Erie	$899	$151
American Family	$935	$157
USAA	$971	$163
State Farm	$1420	$239
Progressive	$1573	$265
Farmers	$1688	$287
Allstate	$1834	$309
Auto-Owners	$1906	$325
Acuity	$2667	$444

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 Prairie Farm are offered by Western National at $182. However, it can be as expensive as $1863 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Prairie Farm after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$182	$31
AAA	$232	$39
Auto-Owners Insurance Co	$254	$43
Travelers	$283	$48
Chubb	$290	$49
West Bend Mutual	$333	$56
Erie	$616	$104
American Family	$645	$109
State Farm	$833	$140
USAA	$885	$150
Acuity	$1065	$179
Auto-Owners	$1159	$198
West Bend	$1326	$221
Allstate	$1760	$299
Progressive	$1863	$314

Car Insurance Price Trends in Prairie Farm, Wisconsin

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

The average cost of full coverage in the Prairie Farm rose by $192 in January compared to $153 of December. In other words, there has been an increase by $39 when you compare January and December.

The average cost of liability insurance in the Prairie Farm rose to $43 in January, compared to $41 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Prairie Farm?

The car insurance in Prairie Farm is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Prairie Farm?

The cheapest car insurance in Prairie Farm is $57 per month for full coverage.

How much is car insurance in Prairie Farm for teenagers?

Car insurance for teenagers costs $239 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 Prairie Farm?

The average cost of car insurance is $745 for a six-month policy. It will cost around $153 per month to insure your car in Prairie Farm.

Is car insurance expensive in Prairie Farm?

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

Cheapest Car Insurance Quotes in Prairie Farm

Why you can trust Way?

How Much Is Car Insurance in Prairie Farm

Avg. Car Insurance in Prairie Farm

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Prairie Farm

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Prairie Farm Car Insurance Rates by Company

Cheap Car Insurance Companies in Prairie Farm, WI

Way's key takeaways about car insurance in Prairie Farm

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prairie Farm

Cheapest Liability Coverage in Prairie Farm, WI

Cheapest Full Coverage Car Insurance in Prairie Farm

Cheapest Full Coverage Car Insurance Quotes in Prairie Farm, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prairie Farm by Rating Factor

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

Car Insurance Premiums by Age in Prairie Farm

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prairie Farm,WI

If you are in your twenties USAA is the best choice for car insurance in Prairie Farm.

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 Prairie Farm

Cheapest Car Insurance Companies after an At-Fault Accident in Prairie Farm

Prairie Farm Car Insurance Rates by Violation

Prairie Farm auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prairie Farm after a DUI

Prairie Farm car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prairie Farm after Speeding ticket

Car Insurance Price Trends in Prairie Farm, Wisconsin

Average Car Insurance Cost in Prairie Farm by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prairie Farm, WI

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

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