Cheapest Car Insurance Quotes in South Wayne

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South Wayne Car Insurance

^$ 20

/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 South Wayne

The car insurance rate in South Wayne is $670 for a six-month policy, which is $7 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $276, making it a popular choice for budget-conscious drivers. Rates in South Wayne 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 South Wayne

$670

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in South Wayne

1st place: AAA

At $276 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 $412 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 $452 for six months, making it the third cheapest auto insurance company in South Wayne.

South Wayne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Wayne, WI is AAA, offering policies at just $276 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $412.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $752 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Wayne drivers find the best deals.

Cheap Car Insurance Companies in South Wayne, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$276	$47
West Bend Mutual	$412	$68
IMT Insurance Company	$452	$77
Auto-Owners Insurance Co	$458	$76
Chubb	$470	$80
Acuity	$506	$85
American Family	$512	$86
Travelers	$524	$88
Erie	$612	$103
USAA	$712	$120
Rockford Mutual	$746	$127
Nationwide	$806	$136
Rural Mutual	$830	$141
State Farm	$830	$140
Progressive	$970	$163
Farmers	$1035	$172
Allstate	$1200	$202
Secura	$636	$106
Hastings Mutual	$752	$128

Key Takeaways

Way's key takeaways about car insurance in South Wayne

The auto insurance costs in South Wayne fall around $276 for six months.
The cheapest auto insurance company in South Wayne is AAA.
Teen drivers pay the highest rate in South Wayne at $633 per month.

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Cheapest Minimum Liability Car Insurance in South Wayne

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 South Wayne are given below.

AAA provides the cheapest minimum car insurance coverage in South Wayne. Their Average 6 Month Premium is $118. Secura is the most expensive at $158 for the same period.

Cheapest Liability Coverage in South Wayne, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$118	$20
Rural Mutual	$130	$22
Western National	$142	$24
Erie	$158	$27
USAA	$170	$29
West Bend Mutual	$176	$30
Auto-Owners Insurance Co	$182	$31
Acuity	$188	$32
American Family	$194	$33
Travelers	$194	$33
Progressive	$200	$34
Chubb	$206	$35
State Farm	$224	$38
Farmers	$347	$59
Allstate	$458	$77
Secura	$158	$27

Cheapest Full Coverage Car Insurance in South Wayne

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 South Wayne is AAA at $47 per month and $276 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Wayne, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$276	$47
West Bend Mutual	$412	$68
IMT Insurance Company	$452	$77
Auto-Owners Insurance Co	$458	$76
Chubb	$470	$80
Acuity	$506	$85
American Family	$512	$86
Travelers	$524	$88
Erie	$612	$103
USAA	$712	$120
Rockford Mutual	$746	$127
Nationwide	$806	$136
Rural Mutual	$830	$141
State Farm	$830	$140
Progressive	$970	$163
Farmers	$1035	$172
Allstate	$1200	$202
Secura	$636	$106
Hastings Mutual	$752	$128

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Average Car Insurance in South Wayne 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 South Wayne, WI increasing?

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

Car Insurance Premiums by Age in South Wayne

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	$474
30s	USAA	$381
40s	USAA	$346
50s	USAA	$328
60s	USAA	$342
70s	USAA	$421

Cheapest Car Insurance Rates for Teen Drivers in South Wayne,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the South Wayne at $33 per month. At $3793 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$194	$33
Travelers	$200	$34
Auto-Owners Insurance Co	$230	$39
Western National	$230	$39
West Bend Mutual	$258	$44
USAA	$852	$144
Erie	$876	$148
American Family	$1058	$178
Acuity	$1612	$271
State Farm	$1858	$313
Progressive	$2682	$451
Allstate	$3534	$595
Farmers	$3793	$633

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 South Wayne.

As young drivers face the highest rates in South Wayne, USAA offers the cheapest auto insurance rates at $474 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 South Wayne, Western National is the cheapest car insurance provider. At $148 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 South Wayne is Allstate, offering rates of around $1823 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$148	$25
AAA	$164	$28
West Bend Mutual	$212	$36
Chubb	$236	$40
IMT Insurance Company	$236	$40
Travelers	$276	$47
Acuity	$582	$98
American Family	$670	$113
State Farm	$718	$120
Erie	$776	$131
Progressive	$906	$152
Allstate	$1823	$310

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Car Insurance Rates with An Accident in South Wayne

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

Cheapest Car Insurance Companies after an At-Fault Accident in South Wayne

The cheapest car insurance companies after an at-fault accident in South Wayne include Western National and Rural Mutual, offering $148 and $170, respectively. Allstate is an expensive provider with an average six-month premium of $1788.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$148	$25
Rural Mutual	$170	$29
Auto-Owners Insurance Co	$224	$38
AAA	$230	$39
Chubb	$236	$40
Travelers	$236	$40
West Bend	$247	$42
West Bend Mutual	$294	$50
Auto-Owners	$306	$50
Erie	$470	$79
USAA	$470	$79
American Family	$712	$120
Acuity	$746	$126
State Farm	$752	$127
Farmers	$1423	$238
Progressive	$1582	$266
Allstate	$1788	$301

South Wayne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Wayne WI. For example, the car insurance in South Wayne after a DUI increases to $782 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

South Wayne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$841	$141
One Med/PIP claim	$846	$144
Not-at-fault accident	$882	$148
One comp claim	$894	$152
Two Med/PIP claims	$906	$150
Failure to show documents	$918	$156
Driving with expired registration	$941	$156
Failure to wear a seat belt	$946	$161
Two comp claims	$964	$160
Driving without lights	$1000	$170
Child safety restraint	$1006	$167
Speeding 6 - 10 MPH over limit	$1012	$172
At-fault accident - less than $1000	$1024	$170
Cell phone violation	$1030	$175
Driving too slowly	$1035	$172
Failure to yield	$1035	$176
Speeding in school zone	$1035	$172
Illegal turn	$1040	$177
Speeding 11 - 15 MPH over limit	$1040	$173
Speeding 16 - 20 MPH over limit	$1040	$177
Texting while driving	$1040	$173
Wrong way/wrong lane	$1040	$177
Failure to stop at a red light	$1052	$175
Following too closely	$1052	$179
Improper passing	$1082	$180
Passing school bus	$1100	$187
In 65 MPH zone	$1158	$193
At-fault accident - $1000-$2000	$1206	$205
Speeding 21 - 25 MPH over limit	$1206	$201
Operating a vehicle without permission	$1212	$206
At-fault accident - greater than $2000	$1218	$203
Open container	$1229	$209
Reckless driving	$1588	$264
Racing	$1594	$271
Refusal to submit to a chemical test	$1606	$267
Driving with a suspended license	$1612	$274
Leaving scene of an accident/hit and run	$1618	$269
DUI	$1623	$276

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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 South Wayne 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 South Wayne.

The cheapest car insurance premiums in South Wayne are offered by Western National at $148 for a six-month policy. However, it can be as expensive as $1429 with companies like Allstate.

South Wayne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$148	$25
Chubb	$236	$40
Travelers	$276	$47
West Bend	$330	$54
Kemper	$336	$57
USAA	$618	$104
Erie	$641	$108
American Family	$730	$123
Progressive	$876	$148
State Farm	$941	$158
Farmers	$1370	$233
Acuity	$1382	$231
Allstate	$1429	$241

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 South Wayne are offered by Western National at $148. However, it can be as expensive as $1329 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Wayne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$148	$25
AAA	$188	$32
Auto-Owners Insurance Co	$206	$35
Travelers	$230	$39
Chubb	$236	$40
West Bend Mutual	$270	$46
Erie	$418	$70
State Farm	$488	$82
American Family	$494	$83
Acuity	$588	$99
Progressive	$776	$131
Allstate	$1329	$226

Car Insurance Price Trends in South Wayne, Wisconsin

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

The average cost of full coverage in the South Wayne rose by $124 in December compared to $121 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 South Wayne rose to $34 in December, compared to $32 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 South Wayne?

The car insurance in South Wayne is $20 per month, which is lower than the national average.

What is the cheapest car insurance in South Wayne?

The cheapest car insurance in South Wayne is $47 per month for full coverage.

How much is car insurance in South Wayne for teenagers?

Car insurance for teenagers costs $194 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 South Wayne?

The average cost of car insurance is $677 for a six-month policy. It will cost around $113 per month to insure your car in South Wayne.

Is car insurance expensive in South Wayne?

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

Cheapest Car Insurance Quotes in South Wayne

Why you can trust Way?

How Much Is Car Insurance in South Wayne

Avg. Car Insurance in South Wayne

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in South Wayne

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

South Wayne Car Insurance Rates by Company

Cheap Car Insurance Companies in South Wayne, WI

Way's key takeaways about car insurance in South Wayne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Wayne

Cheapest Liability Coverage in South Wayne, WI

Cheapest Full Coverage Car Insurance in South Wayne

Cheapest Full Coverage Car Insurance Quotes in South Wayne, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Wayne by Rating Factor

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

Car Insurance Premiums by Age in South Wayne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Wayne,WI

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

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 South Wayne

Cheapest Car Insurance Companies after an At-Fault Accident in South Wayne

South Wayne Car Insurance Rates by Violation

South Wayne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Wayne after a DUI

South Wayne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Wayne after Speeding ticket

Car Insurance Price Trends in South Wayne, Wisconsin

Average Car Insurance Cost in South Wayne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Wayne, WI

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

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