Cheapest Car Insurance Quotes in Sandy Hook

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Sandy Hook Car Insurance

^$ 19

/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 Sandy Hook

The car insurance rate in Sandy Hook is $650 for a six-month policy, which is $27 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $268, making it a popular choice for budget-conscious drivers. Rates in Sandy Hook 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 Sandy Hook

$650

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Sandy Hook

1st place: AAA

At $268 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 $399 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 $439 for six months, making it the third cheapest auto insurance company in Sandy Hook.

Sandy Hook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sandy Hook, WI is AAA, offering policies at just $268 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $399.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $730 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sandy Hook drivers find the best deals.

Cheap Car Insurance Companies in Sandy Hook, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$268	$45
West Bend Mutual	$399	$66
IMT Insurance Company	$439	$75
Auto-Owners Insurance Co	$444	$74
Chubb	$456	$78
Acuity	$491	$83
American Family	$496	$84
Travelers	$508	$85
Erie	$593	$100
USAA	$690	$116
Rockford Mutual	$724	$123
Nationwide	$781	$132
Rural Mutual	$804	$136
State Farm	$804	$135
Progressive	$941	$158
Farmers	$1003	$167
Allstate	$1164	$196
Secura	$616	$103
Hastings Mutual	$730	$124

Key Takeaways

Way's key takeaways about car insurance in Sandy Hook

The auto insurance costs in Sandy Hook fall around $268 for six months.
The cheapest auto insurance company in Sandy Hook is AAA.
Teen drivers pay the highest rate in Sandy Hook at $613 per month.

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Cheapest Minimum Liability Car Insurance in Sandy Hook

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 Sandy Hook are given below.

AAA provides the cheapest minimum car insurance coverage in Sandy Hook. Their Average 6 Month Premium is $114. Secura is the most expensive at $154 for the same period.

Cheapest Liability Coverage in Sandy Hook, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$114	$19
Rural Mutual	$126	$21
Western National	$137	$23
Erie	$154	$26
USAA	$165	$28
West Bend Mutual	$171	$29
Auto-Owners Insurance Co	$177	$30
Acuity	$182	$31
American Family	$188	$32
Travelers	$188	$32
Progressive	$194	$33
Chubb	$200	$34
State Farm	$217	$36
Farmers	$336	$58
Allstate	$444	$75
Secura	$154	$26

Cheapest Full Coverage Car Insurance in Sandy Hook

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 Sandy Hook is AAA at $45 per month and $268 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sandy Hook, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$268	$45
West Bend Mutual	$399	$66
IMT Insurance Company	$439	$75
Auto-Owners Insurance Co	$444	$74
Chubb	$456	$78
Acuity	$491	$83
American Family	$496	$84
Travelers	$508	$85
Erie	$593	$100
USAA	$690	$116
Rockford Mutual	$724	$123
Nationwide	$781	$132
Rural Mutual	$804	$136
State Farm	$804	$135
Progressive	$941	$158
Farmers	$1003	$167
Allstate	$1164	$196
Secura	$616	$103
Hastings Mutual	$730	$124

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Average Car Insurance in Sandy Hook 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 Sandy Hook, WI increasing?

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

Car Insurance Premiums by Age in Sandy Hook

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	$460
30s	USAA	$370
40s	USAA	$335
50s	USAA	$318
60s	USAA	$331
70s	USAA	$408

Cheapest Car Insurance Rates for Teen Drivers in Sandy Hook,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Sandy Hook at $32 per month. At $3678 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$188	$32
Travelers	$194	$33
Auto-Owners Insurance Co	$223	$37
Western National	$223	$37
West Bend Mutual	$251	$42
USAA	$827	$139
Erie	$850	$143
American Family	$1026	$173
Acuity	$1563	$263
State Farm	$1802	$303
Progressive	$2601	$438
Allstate	$3427	$577
Farmers	$3678	$613

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 Sandy Hook.

As young drivers face the highest rates in Sandy Hook, USAA offers the cheapest auto insurance rates at $460 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 Sandy Hook, Western National is the cheapest car insurance provider. At $143 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 Sandy Hook is Allstate, offering rates of around $1767 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$143	$24
AAA	$159	$27
West Bend Mutual	$205	$35
Chubb	$228	$38
IMT Insurance Company	$228	$38
Travelers	$268	$45
Acuity	$564	$95
American Family	$650	$109
State Farm	$696	$116
Erie	$753	$127
Progressive	$878	$148
Allstate	$1767	$300

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Car Insurance Rates with An Accident in Sandy Hook

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 Sandy Hook, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sandy Hook

The cheapest car insurance companies after an at-fault accident in Sandy Hook include Western National and Rural Mutual, offering $143 and $165, respectively. Allstate is an expensive provider with an average six-month premium of $1734.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$143	$24
Rural Mutual	$165	$28
Auto-Owners Insurance Co	$217	$36
AAA	$223	$37
Chubb	$228	$38
Travelers	$228	$38
West Bend	$239	$40
West Bend Mutual	$285	$49
Auto-Owners	$297	$49
Erie	$456	$77
USAA	$456	$77
American Family	$690	$116
Acuity	$724	$122
State Farm	$730	$123
Farmers	$1380	$230
Progressive	$1534	$258
Allstate	$1734	$292

Sandy Hook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sandy Hook WI. For example, the car insurance in Sandy Hook after a DUI increases to $758 for a six month policy. While the rate increases by $166 for a six-month policy in the case of a speeding ticket.

Sandy Hook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$815	$136
One Med/PIP claim	$821	$139
Not-at-fault accident	$855	$143
One comp claim	$867	$148
Two Med/PIP claims	$878	$146
Failure to show documents	$890	$152
Driving with expired registration	$912	$152
Failure to wear a seat belt	$918	$156
Two comp claims	$935	$156
Driving without lights	$970	$165
Child safety restraint	$975	$162
Speeding 6 - 10 MPH over limit	$981	$167
At-fault accident - less than $1000	$993	$165
Cell phone violation	$998	$170
Driving too slowly	$1003	$167
Failure to yield	$1003	$171
Speeding in school zone	$1003	$167
Illegal turn	$1009	$172
Speeding 11 - 15 MPH over limit	$1009	$168
Speeding 16 - 20 MPH over limit	$1009	$172
Texting while driving	$1009	$168
Wrong way/wrong lane	$1009	$172
Failure to stop at a red light	$1020	$170
Following too closely	$1020	$174
Improper passing	$1049	$175
Passing school bus	$1067	$181
In 65 MPH zone	$1123	$187
At-fault accident - $1000-$2000	$1169	$199
Speeding 21 - 25 MPH over limit	$1169	$195
Operating a vehicle without permission	$1175	$200
At-fault accident - greater than $2000	$1181	$197
Open container	$1191	$203
Reckless driving	$1540	$256
Racing	$1546	$263
Refusal to submit to a chemical test	$1557	$259
Driving with a suspended license	$1563	$266
Leaving scene of an accident/hit and run	$1569	$261
DUI	$1573	$268

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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 Sandy Hook 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 Sandy Hook.

The cheapest car insurance premiums in Sandy Hook are offered by Western National at $143 for a six-month policy. However, it can be as expensive as $1385 with companies like Allstate.

Sandy Hook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$143	$24
Chubb	$228	$38
Travelers	$268	$45
West Bend	$320	$53
Kemper	$325	$56
USAA	$599	$101
Erie	$621	$105
American Family	$708	$119
Progressive	$850	$143
State Farm	$912	$154
Farmers	$1329	$226
Acuity	$1340	$224
Allstate	$1385	$233

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 Sandy Hook are offered by Western National at $143. However, it can be as expensive as $1288 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sandy Hook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$143	$24
AAA	$182	$31
Auto-Owners Insurance Co	$200	$34
Travelers	$223	$37
Chubb	$228	$38
West Bend Mutual	$262	$44
Erie	$405	$68
State Farm	$473	$80
American Family	$479	$81
Acuity	$570	$96
Progressive	$753	$127
Allstate	$1288	$219

Car Insurance Price Trends in Sandy Hook, Wisconsin

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

The average cost of full coverage in the Sandy Hook rose by $120 in December compared to $117 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 Sandy Hook rose to $33 in December, compared to $31 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 Sandy Hook?

The car insurance in Sandy Hook is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Sandy Hook?

The cheapest car insurance in Sandy Hook is $45 per month for full coverage.

How much is car insurance in Sandy Hook for teenagers?

Car insurance for teenagers costs $188 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 Sandy Hook?

The average cost of car insurance is $677 for a six-month policy. It will cost around $109 per month to insure your car in Sandy Hook.

Is car insurance expensive in Sandy Hook?

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

Cheapest Car Insurance Quotes in Sandy Hook

Why you can trust Way?

How Much Is Car Insurance in Sandy Hook

Avg. Car Insurance in Sandy Hook

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Sandy Hook

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Sandy Hook Car Insurance Rates by Company

Cheap Car Insurance Companies in Sandy Hook, WI

Way's key takeaways about car insurance in Sandy Hook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sandy Hook

Cheapest Liability Coverage in Sandy Hook, WI

Cheapest Full Coverage Car Insurance in Sandy Hook

Cheapest Full Coverage Car Insurance Quotes in Sandy Hook, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sandy Hook by Rating Factor

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

Car Insurance Premiums by Age in Sandy Hook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sandy Hook,WI

If you are in your twenties USAA is the best choice for car insurance in Sandy Hook.

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 Sandy Hook

Cheapest Car Insurance Companies after an At-Fault Accident in Sandy Hook

Sandy Hook Car Insurance Rates by Violation

Sandy Hook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sandy Hook after a DUI

Sandy Hook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sandy Hook after Speeding ticket

Car Insurance Price Trends in Sandy Hook, Wisconsin

Average Car Insurance Cost in Sandy Hook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sandy Hook, WI

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

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