Cheapest Car Insurance Quotes in Shorewood

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Shorewood 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 Shorewood

The car insurance rate in Shorewood is $799 for a six-month policy, which is $122 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $329, making it a popular choice for budget-conscious drivers. Rates in Shorewood 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 Shorewood

$799

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Shorewood

1st place: AAA

At $329 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 $491 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 $539 for six months, making it the third cheapest auto insurance company in Shorewood.

Shorewood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shorewood, WI is AAA, offering policies at just $329 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $491.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $897 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shorewood drivers find the best deals.

Cheap Car Insurance Companies in Shorewood, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
West Bend Mutual	$491	$81
IMT Insurance Company	$539	$92
Auto-Owners Insurance Co	$546	$91
Chubb	$561	$96
Acuity	$603	$101
American Family	$610	$103
Travelers	$624	$105
Erie	$729	$123
USAA	$848	$143
Rockford Mutual	$890	$151
Nationwide	$961	$162
Rural Mutual	$989	$168
State Farm	$989	$166
Progressive	$1156	$195
Farmers	$1233	$205
Allstate	$1430	$241
Secura	$758	$126
Hastings Mutual	$897	$152

Key Takeaways

Way's key takeaways about car insurance in Shorewood

The auto insurance costs in Shorewood fall around $329 for six months.
The cheapest auto insurance company in Shorewood is AAA.
Teen drivers pay the highest rate in Shorewood at $754 per month.

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Cheapest Minimum Liability Car Insurance in Shorewood

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 Shorewood are given below.

AAA provides the cheapest minimum car insurance coverage in Shorewood. Their Average 6 Month Premium is $140. Secura is the most expensive at $189 for the same period.

Cheapest Liability Coverage in Shorewood, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$140	$24
Rural Mutual	$155	$26
Western National	$169	$28
Erie	$189	$32
USAA	$203	$34
West Bend Mutual	$210	$35
Auto-Owners Insurance Co	$217	$37
Acuity	$224	$38
American Family	$231	$39
Travelers	$231	$39
Progressive	$238	$40
Chubb	$245	$41
State Farm	$267	$45
Farmers	$413	$71
Allstate	$546	$92
Secura	$189	$32

Cheapest Full Coverage Car Insurance in Shorewood

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 Shorewood is AAA at $55 per month and $329 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shorewood, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$329	$55
West Bend Mutual	$491	$81
IMT Insurance Company	$539	$92
Auto-Owners Insurance Co	$546	$91
Chubb	$561	$96
Acuity	$603	$101
American Family	$610	$103
Travelers	$624	$105
Erie	$729	$123
USAA	$848	$143
Rockford Mutual	$890	$151
Nationwide	$961	$162
Rural Mutual	$989	$168
State Farm	$989	$166
Progressive	$1156	$195
Farmers	$1233	$205
Allstate	$1430	$241
Secura	$758	$126
Hastings Mutual	$897	$152

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Average Car Insurance in Shorewood 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 Shorewood, WI increasing?

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

Car Insurance Premiums by Age in Shorewood

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	$565
30s	USAA	$454
40s	USAA	$412
50s	USAA	$391
60s	USAA	$407
70s	USAA	$502

Cheapest Car Insurance Rates for Teen Drivers in Shorewood,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Shorewood at $39 per month. At $4521 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$231	$39
Travelers	$238	$40
Auto-Owners Insurance Co	$274	$46
Western National	$274	$46
West Bend Mutual	$308	$52
USAA	$1016	$171
Erie	$1044	$176
American Family	$1261	$212
Acuity	$1921	$323
State Farm	$2215	$373
Progressive	$3197	$538
Allstate	$4213	$709
Farmers	$4521	$754

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 Shorewood.

As young drivers face the highest rates in Shorewood, USAA offers the cheapest auto insurance rates at $565 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 Shorewood, Western National is the cheapest car insurance provider. At $176 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 Shorewood is Allstate, offering rates of around $2172 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
AAA	$196	$33
West Bend Mutual	$253	$42
Chubb	$281	$47
IMT Insurance Company	$281	$47
Travelers	$329	$55
Acuity	$694	$117
American Family	$799	$135
State Farm	$856	$143
Erie	$925	$156
Progressive	$1080	$182
Allstate	$2172	$369

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

Car Insurance Rates with An Accident in Shorewood

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

Cheapest Car Insurance Companies after an At-Fault Accident in Shorewood

The cheapest car insurance companies after an at-fault accident in Shorewood include Western National and Rural Mutual, offering $176 and $203, respectively. Allstate is an expensive provider with an average six-month premium of $2131.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Rural Mutual	$203	$34
Auto-Owners Insurance Co	$267	$45
AAA	$274	$46
Chubb	$281	$47
Travelers	$281	$47
West Bend	$294	$50
West Bend Mutual	$350	$60
Auto-Owners	$365	$60
Erie	$561	$94
USAA	$561	$94
American Family	$848	$143
Acuity	$890	$150
State Farm	$897	$151
Farmers	$1696	$283
Progressive	$1886	$317
Allstate	$2131	$359

Shorewood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shorewood WI. For example, the car insurance in Shorewood after a DUI increases to $932 for a six month policy. While the rate increases by $204 for a six-month policy in the case of a speeding ticket.

Shorewood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1002	$168
One Med/PIP claim	$1009	$171
Not-at-fault accident	$1051	$176
One comp claim	$1066	$182
Two Med/PIP claims	$1080	$179
Failure to show documents	$1094	$186
Driving with expired registration	$1121	$186
Failure to wear a seat belt	$1128	$192
Two comp claims	$1149	$191
Driving without lights	$1192	$203
Child safety restraint	$1199	$199
Speeding 6 - 10 MPH over limit	$1206	$205
At-fault accident - less than $1000	$1220	$203
Cell phone violation	$1227	$209
Driving too slowly	$1233	$205
Failure to yield	$1233	$210
Speeding in school zone	$1233	$205
Illegal turn	$1240	$211
Speeding 11 - 15 MPH over limit	$1240	$207
Speeding 16 - 20 MPH over limit	$1240	$211
Texting while driving	$1240	$207
Wrong way/wrong lane	$1240	$211
Failure to stop at a red light	$1254	$209
Following too closely	$1254	$214
Improper passing	$1290	$215
Passing school bus	$1311	$223
In 65 MPH zone	$1381	$230
At-fault accident - $1000-$2000	$1437	$244
Speeding 21 - 25 MPH over limit	$1437	$240
Operating a vehicle without permission	$1444	$245
At-fault accident - greater than $2000	$1451	$242
Open container	$1464	$249
Reckless driving	$1893	$315
Racing	$1900	$323
Refusal to submit to a chemical test	$1914	$319
Driving with a suspended license	$1921	$327
Leaving scene of an accident/hit and run	$1928	$321
DUI	$1934	$329

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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 Shorewood 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 Shorewood.

The cheapest car insurance premiums in Shorewood are offered by Western National at $176 for a six-month policy. However, it can be as expensive as $1703 with companies like Allstate.

Shorewood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
Chubb	$281	$47
Travelers	$329	$55
West Bend	$393	$65
Kemper	$400	$68
USAA	$736	$124
Erie	$763	$129
American Family	$870	$146
Progressive	$1044	$176
State Farm	$1121	$189
Farmers	$1633	$277
Acuity	$1647	$275
Allstate	$1703	$287

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 Shorewood are offered by Western National at $176. However, it can be as expensive as $1584 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shorewood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$176	$30
AAA	$224	$38
Auto-Owners Insurance Co	$245	$41
Travelers	$274	$46
Chubb	$281	$47
West Bend Mutual	$322	$54
Erie	$498	$84
State Farm	$582	$98
American Family	$589	$99
Acuity	$701	$118
Progressive	$925	$156
Allstate	$1584	$269

Car Insurance Price Trends in Shorewood, Wisconsin

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

The average cost of full coverage in the Shorewood rose by $148 in December compared to $144 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 Shorewood rose to $40 in December, compared to $38 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 Shorewood?

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

What is the cheapest car insurance in Shorewood?

The cheapest car insurance in Shorewood is $55 per month for full coverage.

How much is car insurance in Shorewood for teenagers?

Car insurance for teenagers costs $231 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 Shorewood?

The average cost of car insurance is $677 for a six-month policy. It will cost around $135 per month to insure your car in Shorewood.

Is car insurance expensive in Shorewood?

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

Cheapest Car Insurance Quotes in Shorewood

Why you can trust Way?

How Much Is Car Insurance in Shorewood

Avg. Car Insurance in Shorewood

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Shorewood

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Shorewood Car Insurance Rates by Company

Cheap Car Insurance Companies in Shorewood, WI

Way's key takeaways about car insurance in Shorewood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Shorewood

Cheapest Liability Coverage in Shorewood, WI

Cheapest Full Coverage Car Insurance in Shorewood

Cheapest Full Coverage Car Insurance Quotes in Shorewood, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Shorewood by Rating Factor

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

Car Insurance Premiums by Age in Shorewood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Shorewood,WI

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

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 Shorewood

Cheapest Car Insurance Companies after an At-Fault Accident in Shorewood

Shorewood Car Insurance Rates by Violation

Shorewood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Shorewood after a DUI

Shorewood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Shorewood after Speeding ticket

Car Insurance Price Trends in Shorewood, Wisconsin

Average Car Insurance Cost in Shorewood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Shorewood, WI

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

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