Cheapest Car Insurance Quotes in Star Prairie

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Star Prairie Car Insurance

^$ 23

/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 Star Prairie

The car insurance rate in Star Prairie is $864 for a six-month policy, which is $119 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $324, making it a popular choice for budget-conscious drivers. Rates in Star Prairie 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 Star Prairie

$864

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Star Prairie

1st place: AAA

At $324 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 $483 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 $530 for six months, making it the third cheapest auto insurance company in Star Prairie.

Star Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Star Prairie, WI is AAA, offering policies at just $324 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $483.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $882 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Star Prairie drivers find the best deals.

Cheap Car Insurance Companies in Star Prairie, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$324	$55
West Bend Mutual	$483	$80
IMT Insurance Company	$530	$90
Auto-Owners Insurance Co	$537	$89
Chubb	$551	$94
Travelers	$614	$103
American Family	$621	$104
Erie	$757	$128
USAA	$806	$136
Acuity	$827	$139
Rockford Mutual	$875	$148
Nationwide	$944	$159
Rural Mutual	$972	$165
Auto-Owners	$1102	$183
West Bend	$1116	$190
State Farm	$1179	$198
Farmers	$1212	$206
Allstate	$1453	$245
Progressive	$1633	$275
Secura	$745	$124
Hastings Mutual	$882	$150

Key Takeaways

Way's key takeaways about car insurance in Star Prairie

The auto insurance costs in Star Prairie fall around $324 for six months.
The cheapest auto insurance company in Star Prairie is AAA.
Teen drivers pay the highest rate in Star Prairie at $752 per month.

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Cheapest Minimum Liability Car Insurance in Star Prairie

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 Star Prairie are given below.

AAA provides the cheapest minimum car insurance coverage in Star Prairie. Their Average 6 Month Premium is $138. Secura is the most expensive at $186 for the same period.

Cheapest Liability Coverage in Star Prairie, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$138	$23
Rural Mutual	$152	$26
Western National	$166	$28
Erie	$186	$31
USAA	$193	$32
West Bend Mutual	$206	$35
Auto-Owners Insurance Co	$213	$36
Travelers	$227	$38
Acuity	$234	$39
American Family	$234	$39
Chubb	$241	$41
Auto-Owners	$262	$44
Progressive	$276	$46
State Farm	$289	$49
West Bend	$324	$55
Farmers	$406	$70
Allstate	$530	$89
Secura	$186	$31

Cheapest Full Coverage Car Insurance in Star Prairie

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 Star Prairie is AAA at $55 per month and $324 for six months.

Cheapest Full Coverage Car Insurance Quotes in Star Prairie, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$324	$55
West Bend Mutual	$483	$80
IMT Insurance Company	$530	$90
Auto-Owners Insurance Co	$537	$89
Chubb	$551	$94
Travelers	$614	$103
American Family	$621	$104
Erie	$757	$128
USAA	$806	$136
Acuity	$827	$139
Rockford Mutual	$875	$148
Nationwide	$944	$159
Rural Mutual	$972	$165
Auto-Owners	$1102	$183
West Bend	$1116	$190
State Farm	$1179	$198
Farmers	$1212	$206
Allstate	$1453	$245
Progressive	$1633	$275
Secura	$745	$124
Hastings Mutual	$882	$150

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Average Car Insurance in Star Prairie 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 Star Prairie, WI increasing?

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

Car Insurance Premiums by Age in Star Prairie

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	$573
30s	USAA	$461
40s	USAA	$418
50s	USAA	$397
60s	USAA	$412
70s	USAA	$508

Cheapest Car Insurance Rates for Teen Drivers in Star Prairie,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Star Prairie at $38 per month. At $4465 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$227	$38
Travelers	$234	$39
Auto-Owners Insurance Co	$269	$45
Western National	$269	$45
West Bend Mutual	$303	$51
Erie	$1130	$190
USAA	$1192	$201
American Family	$1289	$217
West Bend	$2116	$360
State Farm	$2578	$434
Auto-Owners	$2646	$450
Acuity	$2852	$480
Allstate	$4244	$715
Farmers	$4444	$741
Progressive	$4465	$752

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 Star Prairie.

As young drivers face the highest rates in Star Prairie, USAA offers the cheapest auto insurance rates at $573 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 Star Prairie, Western National is the cheapest car insurance provider. At $173 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 Star Prairie is AutoOwners, offering rates of around $4045 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$173	$29
AAA	$193	$32
West Bend Mutual	$248	$42
Chubb	$276	$46
IMT Insurance Company	$276	$46
Travelers	$324	$55
American Family	$834	$140
Acuity	$1034	$174
Erie	$1109	$187
State Farm	$1254	$209
USAA	$1413	$240
West Bend	$1633	$273
Progressive	$1868	$314
Allstate	$2294	$383
Auto-Owners	$4045	$688

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Star Prairie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Star Prairie

The cheapest car insurance companies after an at-fault accident in Star Prairie include Western National and Rural Mutual, offering $173 and $200, respectively. Progressive is an expensive provider with an average six-month premium of $2728.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$173	$29
Rural Mutual	$200	$34
Auto-Owners Insurance Co	$262	$44
AAA	$269	$45
Chubb	$276	$46
Travelers	$276	$46
West Bend Mutual	$345	$58
West Bend	$586	$99
Erie	$614	$103
USAA	$703	$118
Auto-Owners	$799	$135
American Family	$868	$146
State Farm	$1041	$175
Acuity	$1268	$213
Farmers	$1667	$278
Allstate	$2177	$367
Progressive	$2728	$459

Star Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Star Prairie WI. For example, the car insurance in Star Prairie after a DUI increases to $916 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Star Prairie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$985	$165
One Med/PIP claim	$992	$168
Not-at-fault accident	$1034	$173
One comp claim	$1047	$179
Two Med/PIP claims	$1061	$176
Failure to show documents	$1075	$183
Driving with expired registration	$1102	$183
Failure to wear a seat belt	$1109	$189
Two comp claims	$1130	$188
Driving without lights	$1172	$200
Child safety restraint	$1179	$196
Speeding 6 - 10 MPH over limit	$1186	$202
At-fault accident - less than $1000	$1199	$200
Cell phone violation	$1206	$205
Driving too slowly	$1212	$202
Failure to yield	$1212	$206
Speeding in school zone	$1212	$202
Illegal turn	$1219	$208
Speeding 11 - 15 MPH over limit	$1219	$203
Speeding 16 - 20 MPH over limit	$1219	$208
Texting while driving	$1219	$203
Wrong way/wrong lane	$1219	$208
Failure to stop at a red light	$1233	$205
Following too closely	$1233	$210
Improper passing	$1268	$211
Passing school bus	$1289	$219
In 65 MPH zone	$1357	$226
At-fault accident - $1000-$2000	$1413	$240
Speeding 21 - 25 MPH over limit	$1413	$235
Operating a vehicle without permission	$1420	$241
At-fault accident - greater than $2000	$1427	$238
Open container	$1440	$245
Reckless driving	$1861	$310
Racing	$1868	$318
Refusal to submit to a chemical test	$1882	$313
Driving with a suspended license	$1888	$321
Leaving scene of an accident/hit and run	$1895	$316
DUI	$1901	$324

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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 Star Prairie 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 Star Prairie.

The cheapest car insurance premiums in Star Prairie are offered by Western National at $173 for a six-month policy. However, it can be as expensive as $2536 with companies like Acuity.

Star Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$173	$29
Chubb	$276	$46
Travelers	$324	$55
Kemper	$393	$65
West Bend	$806	$136
Erie	$855	$144
American Family	$889	$150
USAA	$923	$155
State Farm	$1350	$227
Progressive	$1495	$252
Farmers	$1605	$273
Allstate	$1743	$293
Auto-Owners	$1812	$309
Acuity	$2536	$422

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 Star Prairie are offered by Western National at $173. However, it can be as expensive as $1771 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Star Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$173	$29
AAA	$220	$37
Auto-Owners Insurance Co	$241	$41
Travelers	$269	$45
Chubb	$276	$46
West Bend Mutual	$317	$53
Erie	$586	$99
American Family	$614	$103
State Farm	$792	$133
USAA	$841	$143
Acuity	$1013	$171
Auto-Owners	$1102	$188
West Bend	$1261	$210
Allstate	$1674	$284
Progressive	$1771	$298

Car Insurance Price Trends in Star Prairie, Wisconsin

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

The average cost of full coverage in the Star Prairie rose by $182 in January compared to $145 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Star Prairie rose to $41 in January, compared to $39 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Star Prairie?

The car insurance in Star Prairie is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Star Prairie?

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

How much is car insurance in Star Prairie for teenagers?

Car insurance for teenagers costs $227 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 Star Prairie?

The average cost of car insurance is $745 for a six-month policy. It will cost around $145 per month to insure your car in Star Prairie.

Is car insurance expensive in Star Prairie?

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

Cheapest Car Insurance Quotes in Star Prairie

Why you can trust Way?

How Much Is Car Insurance in Star Prairie

Avg. Car Insurance in Star Prairie

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Star Prairie

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Star Prairie Car Insurance Rates by Company

Cheap Car Insurance Companies in Star Prairie, WI

Way's key takeaways about car insurance in Star Prairie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Star Prairie

Cheapest Liability Coverage in Star Prairie, WI

Cheapest Full Coverage Car Insurance in Star Prairie

Cheapest Full Coverage Car Insurance Quotes in Star Prairie, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Star Prairie by Rating Factor

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

Car Insurance Premiums by Age in Star Prairie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Star Prairie,WI

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

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 Star Prairie

Cheapest Car Insurance Companies after an At-Fault Accident in Star Prairie

Star Prairie Car Insurance Rates by Violation

Star Prairie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Star Prairie after a DUI

Star Prairie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Star Prairie after Speeding ticket

Car Insurance Price Trends in Star Prairie, Wisconsin

Average Car Insurance Cost in Star Prairie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Star Prairie, WI

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

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