Cheapest Car Insurance Quotes in Rice Lake

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Rice Lake Car Insurance

^$ 22

/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 Rice Lake

The car insurance rate in Rice Lake is $738 for a six-month policy, which is $61 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $304, making it a popular choice for budget-conscious drivers. Rates in Rice 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.

Avg. Car Insurance in Rice Lake

$738

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Rice Lake

1st place: AAA

At $304 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 $453 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 $498 for six months, making it the third cheapest auto insurance company in Rice Lake.

Rice Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rice Lake, WI is AAA, offering policies at just $304 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $453.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $828 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rice Lake drivers find the best deals.

Cheap Car Insurance Companies in Rice Lake, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$304	$51
West Bend Mutual	$453	$75
IMT Insurance Company	$498	$85
Auto-Owners Insurance Co	$505	$84
Chubb	$518	$88
Acuity	$557	$94
American Family	$564	$95
Travelers	$577	$97
Erie	$674	$113
USAA	$784	$132
Rockford Mutual	$822	$140
Nationwide	$887	$149
Rural Mutual	$913	$155
State Farm	$913	$154
Progressive	$1068	$180
Farmers	$1139	$190
Allstate	$1321	$222
Secura	$700	$117
Hastings Mutual	$828	$141

Key Takeaways

Way's key takeaways about car insurance in Rice Lake

The auto insurance costs in Rice Lake fall around $304 for six months.
The cheapest auto insurance company in Rice Lake is AAA.
Teen drivers pay the highest rate in Rice Lake at $697 per month.

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Cheapest Minimum Liability Car Insurance in Rice 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 Rice Lake are given below.

AAA provides the cheapest minimum car insurance coverage in Rice Lake. Their Average 6 Month Premium is $130. Secura is the most expensive at $174 for the same period.

Cheapest Liability Coverage in Rice Lake, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$130	$22
Rural Mutual	$143	$24
Western National	$156	$26
Erie	$174	$29
USAA	$187	$32
West Bend Mutual	$194	$33
Auto-Owners Insurance Co	$201	$34
Acuity	$207	$35
American Family	$214	$36
Travelers	$214	$36
Progressive	$220	$37
Chubb	$227	$38
State Farm	$246	$41
Farmers	$382	$65
Allstate	$505	$85
Secura	$174	$29

Cheapest Full Coverage Car Insurance in Rice Lake

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 Rice Lake is AAA at $51 per month and $304 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rice Lake, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$304	$51
West Bend Mutual	$453	$75
IMT Insurance Company	$498	$85
Auto-Owners Insurance Co	$505	$84
Chubb	$518	$88
Acuity	$557	$94
American Family	$564	$95
Travelers	$577	$97
Erie	$674	$113
USAA	$784	$132
Rockford Mutual	$822	$140
Nationwide	$887	$149
Rural Mutual	$913	$155
State Farm	$913	$154
Progressive	$1068	$180
Farmers	$1139	$190
Allstate	$1321	$222
Secura	$700	$117
Hastings Mutual	$828	$141

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Average Car Insurance in Rice 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 Rice Lake, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Rice 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, Rice 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 Rice 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	$522
30s	USAA	$420
40s	USAA	$380
50s	USAA	$361
60s	USAA	$376
70s	USAA	$463

Cheapest Car Insurance Rates for Teen Drivers in Rice Lake,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Rice Lake at $36 per month. At $4176 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$214	$36
Travelers	$220	$37
Auto-Owners Insurance Co	$253	$43
Western National	$253	$43
West Bend Mutual	$284	$48
USAA	$938	$158
Erie	$965	$162
American Family	$1165	$196
Acuity	$1775	$299
State Farm	$2046	$344
Progressive	$2953	$497
Allstate	$3891	$655
Farmers	$4176	$697

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 Rice Lake.

As young drivers face the highest rates in Rice Lake, USAA offers the cheapest auto insurance rates at $522 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 Rice Lake, Western National is the cheapest car insurance provider. At $162 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 Rice Lake is Allstate, offering rates of around $2007 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$162	$27
AAA	$181	$31
West Bend Mutual	$233	$39
Chubb	$259	$44
IMT Insurance Company	$259	$44
Travelers	$304	$51
Acuity	$641	$108
American Family	$738	$124
State Farm	$790	$132
Erie	$855	$144
Progressive	$997	$168
Allstate	$2007	$341

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Car Insurance Rates with An Accident in Rice 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 Rice Lake, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Rice Lake

The cheapest car insurance companies after an at-fault accident in Rice Lake include Western National and Rural Mutual, offering $162 and $187, respectively. Allstate is an expensive provider with an average six-month premium of $1969.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$162	$27
Rural Mutual	$187	$32
Auto-Owners Insurance Co	$246	$41
AAA	$253	$43
Chubb	$259	$44
Travelers	$259	$44
West Bend	$271	$46
West Bend Mutual	$324	$56
Auto-Owners	$337	$56
Erie	$518	$87
USAA	$518	$87
American Family	$784	$132
Acuity	$822	$138
State Farm	$828	$140
Farmers	$1566	$262
Progressive	$1742	$293
Allstate	$1969	$331

Rice Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rice Lake WI. For example, the car insurance in Rice Lake after a DUI increases to $862 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Rice Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$925	$155
One Med/PIP claim	$932	$158
Not-at-fault accident	$971	$162
One comp claim	$984	$168
Two Med/PIP claims	$997	$166
Failure to show documents	$1010	$172
Driving with expired registration	$1036	$172
Failure to wear a seat belt	$1042	$178
Two comp claims	$1062	$177
Driving without lights	$1101	$187
Child safety restraint	$1107	$184
Speeding 6 - 10 MPH over limit	$1114	$190
At-fault accident - less than $1000	$1127	$187
Cell phone violation	$1134	$193
Driving too slowly	$1139	$190
Failure to yield	$1139	$194
Speeding in school zone	$1139	$190
Illegal turn	$1146	$195
Speeding 11 - 15 MPH over limit	$1146	$191
Speeding 16 - 20 MPH over limit	$1146	$195
Texting while driving	$1146	$191
Wrong way/wrong lane	$1146	$195
Failure to stop at a red light	$1159	$193
Following too closely	$1159	$197
Improper passing	$1191	$198
Passing school bus	$1211	$206
In 65 MPH zone	$1275	$213
At-fault accident - $1000-$2000	$1328	$226
Speeding 21 - 25 MPH over limit	$1328	$221
Operating a vehicle without permission	$1334	$227
At-fault accident - greater than $2000	$1341	$223
Open container	$1353	$230
Reckless driving	$1748	$291
Racing	$1755	$299
Refusal to submit to a chemical test	$1768	$294
Driving with a suspended license	$1775	$302
Leaving scene of an accident/hit and run	$1781	$296
DUI	$1787	$304

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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 Rice 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 Rice Lake.

The cheapest car insurance premiums in Rice Lake are offered by Western National at $162 for a six-month policy. However, it can be as expensive as $1573 with companies like Allstate.

Rice Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$162	$27
Chubb	$259	$44
Travelers	$304	$51
West Bend	$363	$60
Kemper	$370	$63
USAA	$680	$114
Erie	$705	$119
American Family	$803	$135
Progressive	$965	$162
State Farm	$1036	$174
Farmers	$1509	$256
Acuity	$1522	$254
Allstate	$1573	$265

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 Rice Lake are offered by Western National at $162. However, it can be as expensive as $1463 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Rice Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$162	$27
AAA	$207	$35
Auto-Owners Insurance Co	$227	$38
Travelers	$253	$43
Chubb	$259	$44
West Bend Mutual	$298	$50
Erie	$460	$77
State Farm	$537	$90
American Family	$544	$92
Acuity	$647	$109
Progressive	$855	$144
Allstate	$1463	$249

Car Insurance Price Trends in Rice Lake, Wisconsin

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

The average cost of full coverage in the Rice Lake rose by $136 in December compared to $133 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 Rice Lake rose to $37 in December, compared to $35 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Rice Lake?

The car insurance in Rice Lake is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Rice Lake?

The cheapest car insurance in Rice Lake is $51 per month for full coverage.

How much is car insurance in Rice Lake for teenagers?

Car insurance for teenagers costs $214 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 Rice Lake?

The average cost of car insurance is $677 for a six-month policy. It will cost around $124 per month to insure your car in Rice Lake.

Is car insurance expensive in Rice Lake?

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

Cheapest Car Insurance Quotes in Rice Lake

Why you can trust Way?

How Much Is Car Insurance in Rice Lake

Avg. Car Insurance in Rice Lake

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Rice Lake

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Rice Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Rice Lake, WI

Way's key takeaways about car insurance in Rice Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rice Lake

Cheapest Liability Coverage in Rice Lake, WI

Cheapest Full Coverage Car Insurance in Rice Lake

Cheapest Full Coverage Car Insurance Quotes in Rice Lake, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rice Lake by Rating Factor

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

Car Insurance Premiums by Age in Rice Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rice Lake,WI

If you are in your twenties USAA is the best choice for car insurance in Rice Lake.

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 Rice Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Rice Lake

Rice Lake Car Insurance Rates by Violation

Rice Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rice Lake after a DUI

Rice Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rice Lake after Speeding ticket

Car Insurance Price Trends in Rice Lake, Wisconsin

Average Car Insurance Cost in Rice Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rice Lake, WI

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

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