Cheapest Car Insurance Quotes in Stevens Point

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Stevens Point 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 Stevens Point

The car insurance rate in Stevens Point is $698 for a six-month policy, which is $52 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $259, making it a popular choice for budget-conscious drivers. Rates in Stevens Point 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 Stevens Point

$698

Avg. Car Insurance in Wisconsin

$750

National Average

$1278

Cheapest Car Insurance Companies in Stevens Point

1st place: AAA

At $259 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 $387 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 $425 for six months, making it the third cheapest auto insurance company in Stevens Point.

Stevens Point Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stevens Point, WI is AAA, offering policies at just $259 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $387.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1309 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stevens Point drivers find the best deals.

Cheap Car Insurance Companies in Stevens Point, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$259	$44
West Bend Mutual	$387	$64
IMT Insurance Company	$425	$73
Auto-Owners Insurance Co	$431	$72
Chubb	$442	$75
Travelers	$492	$83
American Family	$498	$84
Erie	$607	$102
USAA	$646	$109
Acuity	$663	$112
Rockford Mutual	$701	$119
Nationwide	$757	$127
Rural Mutual	$779	$132
Auto-Owners	$884	$147
West Bend	$895	$153
State Farm	$945	$159
Farmers	$972	$166
Allstate	$1165	$196
Progressive	$1309	$220

Key Takeaways

Way's key takeaways about car insurance in Stevens Point

The auto insurance costs in Stevens Point fall around $259 for six months.
The cheapest auto insurance company in Stevens Point is AAA.
Teen drivers pay the highest rate in Stevens Point at $603 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Stevens Point

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 Stevens Point are given below.

AAA provides the cheapest minimum car insurance coverage in Stevens Point. Their Average 6 Month Premium is $111. Allstate is the most expensive at $425 for the same period.

Cheapest Liability Coverage in Stevens Point, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$111	$19
Rural Mutual	$122	$20
Western National	$133	$22
Erie	$149	$25
USAA	$154	$26
West Bend Mutual	$166	$28
Auto-Owners Insurance Co	$171	$29
Travelers	$182	$31
Acuity	$188	$32
American Family	$188	$32
Chubb	$193	$33
Auto-Owners	$210	$35
Progressive	$221	$37
State Farm	$232	$39
West Bend	$259	$44
Farmers	$326	$56
Allstate	$425	$72

Cheapest Full Coverage Car Insurance in Stevens Point

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 Stevens Point is AAA at $44 per month and $259 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stevens Point, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$259	$44
West Bend Mutual	$387	$64
IMT Insurance Company	$425	$73
Auto-Owners Insurance Co	$431	$72
Chubb	$442	$75
Travelers	$492	$83
American Family	$498	$84
Erie	$607	$102
USAA	$646	$109
Acuity	$663	$112
Rockford Mutual	$701	$119
Nationwide	$757	$127
Rural Mutual	$779	$132
Auto-Owners	$884	$147
West Bend	$895	$153
State Farm	$945	$159
Farmers	$972	$166
Allstate	$1165	$196
Progressive	$1309	$220

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Average Car Insurance in Stevens Point 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 Stevens Point, WI increasing?

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

Car Insurance Premiums by Age in Stevens Point

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	$459
30s	USAA	$369
40s	USAA	$335
50s	USAA	$318
60s	USAA	$330
70s	USAA	$407

Cheapest Car Insurance Rates for Teen Drivers in Stevens Point,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Stevens Point at $31 per month. At $3580 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$182	$31
Travelers	$188	$32
Auto-Owners Insurance Co	$216	$36
Western National	$216	$36
West Bend Mutual	$243	$41
Erie	$906	$153
USAA	$956	$161
American Family	$1033	$174
West Bend	$1696	$288
State Farm	$2066	$348
Auto-Owners	$2121	$361
Acuity	$2287	$385
Allstate	$3403	$573
Farmers	$3563	$594
Progressive	$3580	$603

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 Stevens Point.

As young drivers face the highest rates in Stevens Point, USAA offers the cheapest auto insurance rates at $459 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 Stevens Point, Western National is the cheapest car insurance provider. At $139 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 Stevens Point is AutoOwners, offering rates of around $3243 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
AAA	$154	$26
West Bend Mutual	$199	$33
Chubb	$221	$37
IMT Insurance Company	$221	$37
Travelers	$259	$44
American Family	$669	$113
Acuity	$829	$140
Erie	$889	$150
State Farm	$1005	$167
USAA	$1133	$193
West Bend	$1309	$219
Progressive	$1497	$252
Allstate	$1840	$307
Auto-Owners	$3243	$551

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Car Insurance Rates with An Accident in Stevens Point

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

Cheapest Car Insurance Companies after an At-Fault Accident in Stevens Point

The cheapest car insurance companies after an at-fault accident in Stevens Point include Western National and Rural Mutual, offering $139 and $160, respectively. Progressive is an expensive provider with an average six-month premium of $2187.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
Rural Mutual	$160	$27
Auto-Owners Insurance Co	$210	$35
AAA	$216	$36
Chubb	$221	$37
Travelers	$221	$37
West Bend Mutual	$276	$47
West Bend	$470	$79
Erie	$492	$83
USAA	$564	$95
Auto-Owners	$641	$108
American Family	$696	$117
State Farm	$834	$140
Acuity	$1016	$171
Farmers	$1336	$223
Allstate	$1746	$294
Progressive	$2187	$368

Stevens Point Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stevens Point WI. For example, the car insurance in Stevens Point after a DUI increases to $734 for a six month policy. While the rate increases by $160 for a six-month policy in the case of a speeding ticket.

Stevens Point auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$790	$132
One Med/PIP claim	$795	$135
Not-at-fault accident	$829	$139
One comp claim	$840	$143
Two Med/PIP claims	$851	$141
Failure to show documents	$862	$147
Driving with expired registration	$884	$147
Failure to wear a seat belt	$889	$152
Two comp claims	$906	$151
Driving without lights	$939	$160
Child safety restraint	$945	$157
Speeding 6 - 10 MPH over limit	$950	$162
At-fault accident - less than $1000	$962	$160
Cell phone violation	$967	$165
Driving too slowly	$972	$162
Failure to yield	$972	$166
Speeding in school zone	$972	$162
Illegal turn	$977	$166
Speeding 11 - 15 MPH over limit	$977	$163
Speeding 16 - 20 MPH over limit	$977	$166
Texting while driving	$977	$163
Wrong way/wrong lane	$977	$166
Failure to stop at a red light	$989	$165
Following too closely	$989	$168
Improper passing	$1016	$169
Passing school bus	$1033	$176
In 65 MPH zone	$1088	$181
At-fault accident - $1000-$2000	$1133	$193
Speeding 21 - 25 MPH over limit	$1133	$189
Operating a vehicle without permission	$1138	$193
At-fault accident - greater than $2000	$1144	$191
Open container	$1154	$196
Reckless driving	$1492	$248
Racing	$1497	$255
Refusal to submit to a chemical test	$1508	$251
Driving with a suspended license	$1514	$258
Leaving scene of an accident/hit and run	$1520	$253
DUI	$1524	$259

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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 Stevens Point 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 Stevens Point.

The cheapest car insurance premiums in Stevens Point are offered by Western National at $139 for a six-month policy. However, it can be as expensive as $2033 with companies like Acuity.

Stevens Point car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
Chubb	$221	$37
Travelers	$259	$44
Kemper	$315	$52
West Bend	$646	$109
Erie	$685	$115
American Family	$712	$120
USAA	$740	$125
State Farm	$1083	$182
Progressive	$1199	$202
Farmers	$1287	$219
Allstate	$1398	$235
Auto-Owners	$1453	$247
Acuity	$2033	$339

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 Stevens Point are offered by Western National at $139. However, it can be as expensive as $1420 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Stevens Point after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$139	$23
AAA	$177	$30
Auto-Owners Insurance Co	$193	$33
Travelers	$216	$36
Chubb	$221	$37
West Bend Mutual	$254	$43
Erie	$470	$79
American Family	$492	$83
State Farm	$635	$107
USAA	$674	$114
Acuity	$812	$137
Auto-Owners	$884	$151
West Bend	$1011	$168
Allstate	$1342	$228
Progressive	$1420	$239

Car Insurance Price Trends in Stevens Point, Wisconsin

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

The average cost of full coverage in the Stevens Point remained steady at $146 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Stevens Point remained steady at $33 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Stevens Point?

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

What is the cheapest car insurance in Stevens Point?

The cheapest car insurance in Stevens Point is $44 per month for full coverage.

How much is car insurance in Stevens Point for teenagers?

Car insurance for teenagers costs $182 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 Stevens Point?

The average cost of car insurance is $750 for a six-month policy. It will cost around $117 per month to insure your car in Stevens Point.

Is car insurance expensive in Stevens Point?

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

Cheapest Car Insurance Quotes in Stevens Point

Why you can trust Way?

How Much Is Car Insurance in Stevens Point

Avg. Car Insurance in Stevens Point

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Stevens Point

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Stevens Point Car Insurance Rates by Company

Cheap Car Insurance Companies in Stevens Point, WI

Way's key takeaways about car insurance in Stevens Point

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stevens Point

Cheapest Liability Coverage in Stevens Point, WI

Cheapest Full Coverage Car Insurance in Stevens Point

Cheapest Full Coverage Car Insurance Quotes in Stevens Point, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stevens Point by Rating Factor

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

Car Insurance Premiums by Age in Stevens Point

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stevens Point,WI

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

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 Stevens Point

Cheapest Car Insurance Companies after an At-Fault Accident in Stevens Point

Stevens Point Car Insurance Rates by Violation

Stevens Point auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stevens Point after a DUI

Stevens Point car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stevens Point after Speeding ticket

Car Insurance Price Trends in Stevens Point, Wisconsin

Average Car Insurance Cost in Stevens Point by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stevens Point, WI

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

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