Cheapest Car Insurance Quotes in Sheboygan Falls

Finding the cheapest car insurance quotes in Sheboygan Falls 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.
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Sheboygan Falls Car Insurance

^$ 17

/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 Sheboygan Falls

The car insurance rate in Sheboygan Falls is $575 for a six-month policy, which is $102 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $237, making it a popular choice for budget-conscious drivers. Rates in Sheboygan Falls 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 Sheboygan Falls

$575

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Sheboygan Falls

1st place: AAA

At $237 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 $354 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 $388 for six months, making it the third cheapest auto insurance company in Sheboygan Falls.

Sheboygan Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sheboygan Falls, WI is AAA, offering policies at just $237 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $354.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sheboygan Falls drivers find the best deals.

Cheap Car Insurance Companies in Sheboygan Falls, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$237	$40
West Bend Mutual	$354	$59
IMT Insurance Company	$388	$66
Auto-Owners Insurance Co	$394	$65
Chubb	$404	$69
Acuity	$434	$73
American Family	$439	$74
Travelers	$450	$76
Erie	$525	$88
USAA	$611	$103
Rockford Mutual	$641	$109
Nationwide	$692	$116
Rural Mutual	$712	$121
State Farm	$712	$120
Progressive	$833	$140
Farmers	$888	$148
Allstate	$1030	$173
Secura	$546	$91
Hastings Mutual	$646	$110

Key Takeaways

Way's key takeaways about car insurance in Sheboygan Falls

The auto insurance costs in Sheboygan Falls fall around $237 for six months.
The cheapest auto insurance company in Sheboygan Falls is AAA.
Teen drivers pay the highest rate in Sheboygan Falls at $543 per month.

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Cheapest Minimum Liability Car Insurance in Sheboygan Falls

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 Sheboygan Falls are given below.

AAA provides the cheapest minimum car insurance coverage in Sheboygan Falls. Their Average 6 Month Premium is $101. Secura is the most expensive at $136 for the same period.

Cheapest Liability Coverage in Sheboygan Falls, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$101	$17
Rural Mutual	$111	$19
Western National	$122	$20
Erie	$136	$23
USAA	$146	$25
West Bend Mutual	$151	$26
Auto-Owners Insurance Co	$156	$26
Acuity	$162	$27
American Family	$167	$28
Travelers	$167	$28
Progressive	$172	$29
Chubb	$177	$30
State Farm	$192	$32
Farmers	$298	$51
Allstate	$394	$66
Secura	$136	$23

Cheapest Full Coverage Car Insurance in Sheboygan Falls

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 Sheboygan Falls is AAA at $40 per month and $237 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sheboygan Falls, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$237	$40
West Bend Mutual	$354	$59
IMT Insurance Company	$388	$66
Auto-Owners Insurance Co	$394	$65
Chubb	$404	$69
Acuity	$434	$73
American Family	$439	$74
Travelers	$450	$76
Erie	$525	$88
USAA	$611	$103
Rockford Mutual	$641	$109
Nationwide	$692	$116
Rural Mutual	$712	$121
State Farm	$712	$120
Progressive	$833	$140
Farmers	$888	$148
Allstate	$1030	$173
Secura	$546	$91
Hastings Mutual	$646	$110

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Average Car Insurance in Sheboygan Falls 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 Sheboygan Falls, WI increasing?

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

Car Insurance Premiums by Age in Sheboygan Falls

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	$407
30s	USAA	$327
40s	USAA	$297
50s	USAA	$281
60s	USAA	$293
70s	USAA	$361

Cheapest Car Insurance Rates for Teen Drivers in Sheboygan Falls,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Sheboygan Falls at $28 per month. At $3256 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$167	$28
Travelers	$172	$29
Auto-Owners Insurance Co	$197	$33
Western National	$197	$33
West Bend Mutual	$222	$37
USAA	$732	$123
Erie	$752	$127
American Family	$909	$153
Acuity	$1384	$233
State Farm	$1595	$269
Progressive	$2303	$388
Allstate	$3035	$511
Farmers	$3256	$543

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 Sheboygan Falls.

As young drivers face the highest rates in Sheboygan Falls, USAA offers the cheapest auto insurance rates at $407 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 Sheboygan Falls, Western National is the cheapest car insurance provider. At $127 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 Sheboygan Falls is Allstate, offering rates of around $1565 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$127	$21
AAA	$141	$24
West Bend Mutual	$182	$31
Chubb	$202	$34
IMT Insurance Company	$202	$34
Travelers	$237	$40
Acuity	$500	$84
American Family	$575	$97
State Farm	$616	$103
Erie	$666	$112
Progressive	$778	$131
Allstate	$1565	$266

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Save up to $971/yr on car insurance rates in Sheboygan Falls.

Car Insurance Rates with An Accident in Sheboygan Falls

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 Sheboygan Falls, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sheboygan Falls

The cheapest car insurance companies after an at-fault accident in Sheboygan Falls include Western National and Rural Mutual, offering $127 and $146, respectively. Allstate is an expensive provider with an average six-month premium of $1535.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$127	$21
Rural Mutual	$146	$25
Auto-Owners Insurance Co	$192	$32
AAA	$197	$33
Chubb	$202	$34
Travelers	$202	$34
West Bend	$212	$36
West Bend Mutual	$252	$43
Auto-Owners	$263	$43
Erie	$404	$68
USAA	$404	$68
American Family	$611	$103
Acuity	$641	$108
State Farm	$646	$109
Farmers	$1221	$204
Progressive	$1358	$229
Allstate	$1535	$258

Sheboygan Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sheboygan Falls WI. For example, the car insurance in Sheboygan Falls after a DUI increases to $671 for a six month policy. While the rate increases by $147 for a six-month policy in the case of a speeding ticket.

Sheboygan Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$722	$121
One Med/PIP claim	$727	$123
Not-at-fault accident	$757	$127
One comp claim	$768	$131
Two Med/PIP claims	$778	$129
Failure to show documents	$788	$134
Driving with expired registration	$808	$134
Failure to wear a seat belt	$813	$139
Two comp claims	$828	$138
Driving without lights	$859	$146
Child safety restraint	$864	$144
Speeding 6 - 10 MPH over limit	$869	$148
At-fault accident - less than $1000	$879	$146
Cell phone violation	$884	$150
Driving too slowly	$888	$148
Failure to yield	$888	$151
Speeding in school zone	$888	$148
Illegal turn	$893	$152
Speeding 11 - 15 MPH over limit	$893	$149
Speeding 16 - 20 MPH over limit	$893	$152
Texting while driving	$893	$149
Wrong way/wrong lane	$893	$152
Failure to stop at a red light	$904	$150
Following too closely	$904	$154
Improper passing	$929	$155
Passing school bus	$944	$161
In 65 MPH zone	$995	$166
At-fault accident - $1000-$2000	$1035	$176
Speeding 21 - 25 MPH over limit	$1035	$173
Operating a vehicle without permission	$1040	$177
At-fault accident - greater than $2000	$1046	$174
Open container	$1055	$179
Reckless driving	$1363	$227
Racing	$1369	$233
Refusal to submit to a chemical test	$1379	$230
Driving with a suspended license	$1384	$235
Leaving scene of an accident/hit and run	$1389	$231
DUI	$1393	$237

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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 Sheboygan Falls 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 Sheboygan Falls.

The cheapest car insurance premiums in Sheboygan Falls are offered by Western National at $127 for a six-month policy. However, it can be as expensive as $1227 with companies like Allstate.

Sheboygan Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$127	$21
Chubb	$202	$34
Travelers	$237	$40
West Bend	$283	$47
Kemper	$288	$49
USAA	$530	$89
Erie	$550	$93
American Family	$626	$105
Progressive	$752	$127
State Farm	$808	$136
Farmers	$1176	$200
Acuity	$1187	$198
Allstate	$1227	$207

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 Sheboygan Falls are offered by Western National at $127. However, it can be as expensive as $1141 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sheboygan Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$127	$21
AAA	$162	$27
Auto-Owners Insurance Co	$177	$30
Travelers	$197	$33
Chubb	$202	$34
West Bend Mutual	$232	$39
Erie	$359	$60
State Farm	$419	$71
American Family	$424	$71
Acuity	$505	$85
Progressive	$666	$112
Allstate	$1141	$194

Car Insurance Price Trends in Sheboygan Falls, Wisconsin

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

The average cost of full coverage in the Sheboygan Falls rose by $106 in December compared to $104 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Sheboygan Falls rose to $29 in December, compared to $27 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 Sheboygan Falls?

The car insurance in Sheboygan Falls is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Sheboygan Falls?

The cheapest car insurance in Sheboygan Falls is $40 per month for full coverage.

How much is car insurance in Sheboygan Falls for teenagers?

Car insurance for teenagers costs $167 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 Sheboygan Falls?

The average cost of car insurance is $677 for a six-month policy. It will cost around $97 per month to insure your car in Sheboygan Falls.

Is car insurance expensive in Sheboygan Falls?

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

Cheapest Car Insurance Quotes in Sheboygan Falls

Why you can trust Way?

How Much Is Car Insurance in Sheboygan Falls

Avg. Car Insurance in Sheboygan Falls

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Sheboygan Falls

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Sheboygan Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Sheboygan Falls, WI

Way's key takeaways about car insurance in Sheboygan Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sheboygan Falls

Cheapest Liability Coverage in Sheboygan Falls, WI

Cheapest Full Coverage Car Insurance in Sheboygan Falls

Cheapest Full Coverage Car Insurance Quotes in Sheboygan Falls, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sheboygan Falls by Rating Factor

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

Car Insurance Premiums by Age in Sheboygan Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sheboygan Falls,WI

If you are in your twenties USAA is the best choice for car insurance in Sheboygan Falls.

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 Sheboygan Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Sheboygan Falls

Sheboygan Falls Car Insurance Rates by Violation

Sheboygan Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sheboygan Falls after a DUI

Sheboygan Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sheboygan Falls after Speeding ticket

Car Insurance Price Trends in Sheboygan Falls, Wisconsin

Average Car Insurance Cost in Sheboygan Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sheboygan Falls, WI

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

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