Cheapest Car Insurance Quotes in Sun Prairie

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Sun Prairie Car Insurance

^$ 18

/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 Sun Prairie

The car insurance rate in Sun Prairie is $609 for a six-month policy, which is $68 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $251, making it a popular choice for budget-conscious drivers. Rates in Sun 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 Sun Prairie

$609

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Sun Prairie

1st place: AAA

At $251 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 $374 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 $411 for six months, making it the third cheapest auto insurance company in Sun Prairie.

Sun Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sun Prairie, WI is AAA, offering policies at just $251 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $374.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $684 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sun Prairie drivers find the best deals.

Cheap Car Insurance Companies in Sun Prairie, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$251	$42
West Bend Mutual	$374	$62
IMT Insurance Company	$411	$70
Auto-Owners Insurance Co	$417	$69
Chubb	$428	$73
Acuity	$460	$77
American Family	$465	$78
Travelers	$476	$80
Erie	$556	$94
USAA	$647	$109
Rockford Mutual	$679	$115
Nationwide	$733	$123
Rural Mutual	$754	$128
State Farm	$754	$127
Progressive	$882	$149
Farmers	$941	$157
Allstate	$1091	$184
Secura	$578	$96
Hastings Mutual	$684	$116

Key Takeaways

Way's key takeaways about car insurance in Sun Prairie

The auto insurance costs in Sun Prairie fall around $251 for six months.
The cheapest auto insurance company in Sun Prairie is AAA.
Teen drivers pay the highest rate in Sun Prairie at $575 per month.

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Cheapest Minimum Liability Car Insurance in Sun 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 Sun Prairie are given below.

AAA provides the cheapest minimum car insurance coverage in Sun Prairie. Their Average 6 Month Premium is $107. Secura is the most expensive at $144 for the same period.

Cheapest Liability Coverage in Sun Prairie, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$107	$18
Rural Mutual	$118	$20
Western National	$129	$22
Erie	$144	$24
USAA	$155	$26
West Bend Mutual	$160	$27
Auto-Owners Insurance Co	$166	$28
Acuity	$171	$29
American Family	$176	$30
Travelers	$176	$30
Progressive	$182	$31
Chubb	$187	$32
State Farm	$203	$34
Farmers	$315	$54
Allstate	$417	$70
Secura	$144	$24

Cheapest Full Coverage Car Insurance in Sun 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 Sun Prairie is AAA at $42 per month and $251 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sun Prairie, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$251	$42
West Bend Mutual	$374	$62
IMT Insurance Company	$411	$70
Auto-Owners Insurance Co	$417	$69
Chubb	$428	$73
Acuity	$460	$77
American Family	$465	$78
Travelers	$476	$80
Erie	$556	$94
USAA	$647	$109
Rockford Mutual	$679	$115
Nationwide	$733	$123
Rural Mutual	$754	$128
State Farm	$754	$127
Progressive	$882	$149
Farmers	$941	$157
Allstate	$1091	$184
Secura	$578	$96
Hastings Mutual	$684	$116

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Average Car Insurance in Sun 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 Sun Prairie, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Sun 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, Sun 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 Sun 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	$431
30s	USAA	$347
40s	USAA	$314
50s	USAA	$298
60s	USAA	$311
70s	USAA	$383

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Sun Prairie at $30 per month. At $3448 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$176	$30
Travelers	$182	$31
Auto-Owners Insurance Co	$209	$35
Western National	$209	$35
West Bend Mutual	$235	$40
USAA	$775	$131
Erie	$797	$134
American Family	$962	$162
Acuity	$1465	$247
State Farm	$1689	$284
Progressive	$2438	$410
Allstate	$3213	$541
Farmers	$3448	$575

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 Sun Prairie.

As young drivers face the highest rates in Sun Prairie, USAA offers the cheapest auto insurance rates at $431 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 Sun Prairie, Western National is the cheapest car insurance provider. At $134 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 Sun Prairie is Allstate, offering rates of around $1657 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$134	$23
AAA	$149	$25
West Bend Mutual	$193	$32
Chubb	$214	$36
IMT Insurance Company	$214	$36
Travelers	$251	$42
Acuity	$529	$89
American Family	$609	$103
State Farm	$653	$109
Erie	$706	$119
Progressive	$824	$139
Allstate	$1657	$282

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

Car Insurance Rates with An Accident in Sun 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 Sun Prairie, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Sun Prairie include Western National and Rural Mutual, offering $134 and $155, respectively. Allstate is an expensive provider with an average six-month premium of $1625.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$134	$23
Rural Mutual	$155	$26
Auto-Owners Insurance Co	$203	$34
AAA	$209	$35
Chubb	$214	$36
Travelers	$214	$36
West Bend	$224	$38
West Bend Mutual	$267	$46
Auto-Owners	$278	$46
Erie	$428	$72
USAA	$428	$72
American Family	$647	$109
Acuity	$679	$114
State Farm	$684	$115
Farmers	$1293	$216
Progressive	$1438	$242
Allstate	$1625	$274

Sun Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sun Prairie WI. For example, the car insurance in Sun Prairie after a DUI increases to $711 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Sun Prairie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$764	$128
One Med/PIP claim	$770	$131
Not-at-fault accident	$802	$134
One comp claim	$813	$139
Two Med/PIP claims	$824	$137
Failure to show documents	$834	$142
Driving with expired registration	$855	$142
Failure to wear a seat belt	$860	$147
Two comp claims	$877	$146
Driving without lights	$909	$155
Child safety restraint	$914	$152
Speeding 6 - 10 MPH over limit	$920	$157
At-fault accident - less than $1000	$931	$155
Cell phone violation	$936	$159
Driving too slowly	$941	$157
Failure to yield	$941	$160
Speeding in school zone	$941	$157
Illegal turn	$946	$161
Speeding 11 - 15 MPH over limit	$946	$158
Speeding 16 - 20 MPH over limit	$946	$161
Texting while driving	$946	$158
Wrong way/wrong lane	$946	$161
Failure to stop at a red light	$957	$159
Following too closely	$957	$163
Improper passing	$984	$164
Passing school bus	$1000	$170
In 65 MPH zone	$1053	$176
At-fault accident - $1000-$2000	$1096	$186
Speeding 21 - 25 MPH over limit	$1096	$183
Operating a vehicle without permission	$1102	$187
At-fault accident - greater than $2000	$1107	$185
Open container	$1117	$190
Reckless driving	$1444	$240
Racing	$1449	$247
Refusal to submit to a chemical test	$1460	$243
Driving with a suspended license	$1465	$249
Leaving scene of an accident/hit and run	$1471	$245
DUI	$1475	$251

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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 Sun 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 Sun Prairie.

The cheapest car insurance premiums in Sun Prairie are offered by Western National at $134 for a six-month policy. However, it can be as expensive as $1299 with companies like Allstate.

Sun Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$134	$23
Chubb	$214	$36
Travelers	$251	$42
West Bend	$300	$50
Kemper	$305	$52
USAA	$562	$95
Erie	$582	$98
American Family	$663	$112
Progressive	$797	$134
State Farm	$855	$144
Farmers	$1246	$212
Acuity	$1256	$210
Allstate	$1299	$219

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 Sun Prairie are offered by Western National at $134. However, it can be as expensive as $1208 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sun Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$134	$23
AAA	$171	$29
Auto-Owners Insurance Co	$187	$32
Travelers	$209	$35
Chubb	$214	$36
West Bend Mutual	$246	$41
Erie	$380	$64
State Farm	$444	$75
American Family	$449	$76
Acuity	$535	$90
Progressive	$706	$119
Allstate	$1208	$205

Car Insurance Price Trends in Sun Prairie, Wisconsin

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

The average cost of full coverage in the Sun Prairie rose by $113 in December compared to $110 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 Sun Prairie rose to $31 in December, compared to $29 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 Sun Prairie?

The car insurance in Sun Prairie is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Sun Prairie?

The cheapest car insurance in Sun Prairie is $42 per month for full coverage.

How much is car insurance in Sun Prairie for teenagers?

Car insurance for teenagers costs $176 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 Sun Prairie?

The average cost of car insurance is $677 for a six-month policy. It will cost around $103 per month to insure your car in Sun Prairie.

Is car insurance expensive in Sun Prairie?

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

Cheapest Car Insurance Quotes in Sun Prairie

Why you can trust Way?

How Much Is Car Insurance in Sun Prairie

Avg. Car Insurance in Sun Prairie

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Sun Prairie

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Sun Prairie Car Insurance Rates by Company

Cheap Car Insurance Companies in Sun Prairie, WI

Way's key takeaways about car insurance in Sun Prairie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sun Prairie

Cheapest Liability Coverage in Sun Prairie, WI

Cheapest Full Coverage Car Insurance in Sun Prairie

Cheapest Full Coverage Car Insurance Quotes in Sun Prairie, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sun Prairie by Rating Factor

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

Car Insurance Premiums by Age in Sun Prairie

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Sun Prairie Car Insurance Rates by Violation

Sun Prairie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sun Prairie after a DUI

Sun Prairie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sun Prairie after Speeding ticket

Car Insurance Price Trends in Sun Prairie, Wisconsin

Average Car Insurance Cost in Sun Prairie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sun Prairie, WI

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

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