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Finding the cheapest car insurance quotes in Richland Center 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 Richland Center
The car insurance rate in Richland Center is $718 for a six-month policy, which is $41 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $296, making it a popular choice for budget-conscious drivers. Rates in Richland Center 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.
Cheapest Car Insurance Companies in Richland Center
1st place: AAA
At $296 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 $441 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 $484
for six months, making it
the third cheapest auto insurance company in Richland Center.
Richland Center Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Richland Center, WI is AAA, offering policies at just $296 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $441.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $806 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Richland Center drivers find the best deals.
Cheap Car Insurance Companies in Richland Center, WI
Way's key takeaways about car insurance in Richland Center
The auto insurance costs in Richland Center fall around $296 for six
months.
The cheapest auto insurance company in Richland Center is AAA.
Teen drivers pay the highest rate in Richland Center at $677 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 Richland Center
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 Richland Center are given below.
AAA provides
the cheapest minimum car insurance
coverage in Richland Center. Their Average 6 Month Premium is $126.
Secura is the most
expensive at $170 for the same
period.
Cheapest Liability Coverage in Richland Center, WI
Cheapest Full Coverage Car Insurance in Richland Center
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 Richland Center is AAA
at $50 per month and $296
for six months.
Cheapest Full Coverage Car Insurance Quotes in Richland Center,
WI
Get Your Car Insurance Quote in Richland Center
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Average Car Insurance in Richland Center 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 Richland Center, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Richland Center, 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, Richland Center's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Richland Center
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
$508
30s
USAA
$408
40s
USAA
$370
50s
USAA
$351
60s
USAA
$366
70s
USAA
$451
Cheapest Car Insurance Rates for Teen Drivers in
Richland Center,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Richland Center at $35
per
month. At $4061 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 Richland Center.
As young drivers face the highest rates in Richland Center, USAA
offers the cheapest auto insurance rates at $508 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 Richland Center,
Western National is
the cheapest car insurance provider. At $158 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
Richland Center is Allstate, offering
rates of around $1951 for six
months.
Save up to $971/yr on car insurance rates in Richland Center.
Car Insurance Rates with An Accident in Richland Center
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 Richland Center, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Richland Center
The cheapest car insurance companies after an at-fault accident in
Richland Center include Western National
and Rural Mutual, offering $158
and $182,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1914.
Here is a list of driving violations that can increase your car
insurance rates in Richland Center WI. For example, the car
insurance in Richland Center
after a DUI increases to $837 for a six
month policy. While the rate increases by $183 for a six-month policy in the case of
a speeding ticket.
Richland Center auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$900
$151
One Med/PIP claim
$906
$154
Not-at-fault accident
$944
$158
One comp claim
$957
$163
Two Med/PIP claims
$970
$161
Failure to show documents
$983
$167
Driving with expired registration
$1007
$167
Failure to wear a seat belt
$1013
$173
Two comp claims
$1032
$172
Driving without lights
$1071
$182
Child safety restraint
$1077
$179
Speeding 6 - 10 MPH over limit
$1083
$184
At-fault accident - less than $1000
$1096
$182
Cell phone violation
$1102
$188
Driving too slowly
$1108
$184
Failure to yield
$1108
$189
Speeding in school zone
$1108
$184
Illegal turn
$1114
$190
Speeding 11 - 15 MPH over limit
$1114
$186
Speeding 16 - 20 MPH over limit
$1114
$190
Texting while driving
$1114
$186
Wrong way/wrong lane
$1114
$190
Failure to stop at a red light
$1127
$188
Following too closely
$1127
$192
Improper passing
$1159
$193
Passing school bus
$1178
$200
In 65 MPH zone
$1240
$207
At-fault accident - $1000-$2000
$1291
$219
Speeding 21 - 25 MPH over limit
$1291
$215
Operating a vehicle without permission
$1297
$220
At-fault accident - greater than $2000
$1304
$217
Open container
$1315
$224
Reckless driving
$1700
$283
Racing
$1707
$290
Refusal to submit to a chemical test
$1719
$286
Driving with a suspended license
$1726
$294
Leaving scene of an accident/hit and run
$1732
$288
DUI
$1737
$296
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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 Richland Center 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 Richland Center.
The cheapest car insurance premiums in
Richland Center are
offered by Western National at $158 for a six-month policy.
However, it can be as
expensive as $1530 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 Richland Center are offered by Western National
at $158. However,
it can be as expensive as $1423
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Richland Center after Speeding ticket
Car Insurance Price Trends in Richland Center,
Wisconsin
Car insurance rates in Richland Center have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Richland Center rose by
$133 in December
compared to $129 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Richland Center rose to $36 in December,
compared to $34 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Richland Center 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
Richland Center. At $1435 for a
six-month policy, insuring
your car at 53581 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 Richland Center?
The car insurance in Richland Center is $21 per month, which is lower than the national average.
What is the cheapest car insurance in Richland Center?
The cheapest car insurance in Richland Center
is $50 per month
for full coverage.
How much is car insurance in Richland Center for teenagers?
Car insurance for teenagers costs $208 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
Richland Center?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $121 per month to insure your
car in Richland Center.
Is car insurance expensive in Richland Center?
Car insurance can be expensive in Richland Center if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Richland Center can be
affordable.
What is the best car insurance in Richland Center,
WI?
The best car insurance company in Richland Center
WI is
AAA, offering $296 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Richland Center, WI
Car Insurance Rates by State in the USA (2025 Update)
Richland Center Car Insurance
