Cheapest Car Insurance Quotes in Union Grove

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Union Grove 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 Union Grove

The car insurance rate in Union Grove is $657 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $271, making it a popular choice for budget-conscious drivers. Rates in Union Grove 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 Union Grove

$657

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Union Grove

1st place: AAA

At $271 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 $404 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 $443 for six months, making it the third cheapest auto insurance company in Union Grove.

Union Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Union Grove, WI is AAA, offering policies at just $271 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $404.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $737 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Union Grove drivers find the best deals.

Cheap Car Insurance Companies in Union Grove, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$271	$46
West Bend Mutual	$404	$67
IMT Insurance Company	$443	$76
Auto-Owners Insurance Co	$449	$75
Chubb	$461	$79
Acuity	$496	$83
American Family	$501	$84
Travelers	$513	$86
Erie	$599	$101
USAA	$697	$117
Rockford Mutual	$731	$124
Nationwide	$790	$133
Rural Mutual	$813	$138
State Farm	$813	$137
Progressive	$951	$160
Farmers	$1014	$169
Allstate	$1176	$198
Secura	$623	$104
Hastings Mutual	$737	$125

Key Takeaways

Way's key takeaways about car insurance in Union Grove

The auto insurance costs in Union Grove fall around $271 for six months.
The cheapest auto insurance company in Union Grove is AAA.
Teen drivers pay the highest rate in Union Grove at $620 per month.

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Cheapest Minimum Liability Car Insurance in Union Grove

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 Union Grove are given below.

AAA provides the cheapest minimum car insurance coverage in Union Grove. Their Average 6 Month Premium is $115. Secura is the most expensive at $155 for the same period.

Cheapest Liability Coverage in Union Grove, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$115	$19
Rural Mutual	$127	$21
Western National	$139	$23
Erie	$155	$26
USAA	$167	$28
West Bend Mutual	$173	$29
Auto-Owners Insurance Co	$178	$30
Acuity	$184	$31
American Family	$190	$32
Travelers	$190	$32
Progressive	$196	$33
Chubb	$202	$34
State Farm	$219	$37
Farmers	$340	$58
Allstate	$449	$76
Secura	$155	$26

Cheapest Full Coverage Car Insurance in Union Grove

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 Union Grove is AAA at $46 per month and $271 for six months.

Cheapest Full Coverage Car Insurance Quotes in Union Grove, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$271	$46
West Bend Mutual	$404	$67
IMT Insurance Company	$443	$76
Auto-Owners Insurance Co	$449	$75
Chubb	$461	$79
Acuity	$496	$83
American Family	$501	$84
Travelers	$513	$86
Erie	$599	$101
USAA	$697	$117
Rockford Mutual	$731	$124
Nationwide	$790	$133
Rural Mutual	$813	$138
State Farm	$813	$137
Progressive	$951	$160
Farmers	$1014	$169
Allstate	$1176	$198
Secura	$623	$104
Hastings Mutual	$737	$125

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Average Car Insurance in Union Grove 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 Union Grove, WI increasing?

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

Car Insurance Premiums by Age in Union Grove

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	$465
30s	USAA	$373
40s	USAA	$339
50s	USAA	$321
60s	USAA	$335
70s	USAA	$412

Cheapest Car Insurance Rates for Teen Drivers in Union Grove,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Union Grove at $32 per month. At $3716 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$190	$32
Travelers	$196	$33
Auto-Owners Insurance Co	$225	$38
Western National	$225	$38
West Bend Mutual	$253	$43
USAA	$835	$141
Erie	$858	$145
American Family	$1037	$175
Acuity	$1579	$266
State Farm	$1821	$307
Progressive	$2628	$442
Allstate	$3463	$583
Farmers	$3716	$620

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 Union Grove.

As young drivers face the highest rates in Union Grove, USAA offers the cheapest auto insurance rates at $465 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 Union Grove, Western National is the cheapest car insurance provider. At $145 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 Union Grove is Allstate, offering rates of around $1786 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$145	$24
AAA	$161	$27
West Bend Mutual	$208	$35
Chubb	$231	$39
IMT Insurance Company	$231	$39
Travelers	$271	$46
Acuity	$570	$96
American Family	$657	$111
State Farm	$703	$117
Erie	$760	$128
Progressive	$888	$149
Allstate	$1786	$304

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Car Insurance Rates with An Accident in Union Grove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Union Grove

The cheapest car insurance companies after an at-fault accident in Union Grove include Western National and Rural Mutual, offering $145 and $167, respectively. Allstate is an expensive provider with an average six-month premium of $1752.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$145	$24
Rural Mutual	$167	$28
Auto-Owners Insurance Co	$219	$37
AAA	$225	$38
Chubb	$231	$39
Travelers	$231	$39
West Bend	$242	$41
West Bend Mutual	$288	$49
Auto-Owners	$300	$49
Erie	$461	$78
USAA	$461	$78
American Family	$697	$117
Acuity	$731	$123
State Farm	$737	$124
Farmers	$1394	$233
Progressive	$1550	$261
Allstate	$1752	$295

Union Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Union Grove WI. For example, the car insurance in Union Grove after a DUI increases to $766 for a six month policy. While the rate increases by $167 for a six-month policy in the case of a speeding ticket.

Union Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$824	$138
One Med/PIP claim	$829	$141
Not-at-fault accident	$864	$145
One comp claim	$876	$149
Two Med/PIP claims	$888	$147
Failure to show documents	$899	$153
Driving with expired registration	$922	$153
Failure to wear a seat belt	$927	$158
Two comp claims	$945	$157
Driving without lights	$980	$167
Child safety restraint	$986	$164
Speeding 6 - 10 MPH over limit	$991	$169
At-fault accident - less than $1000	$1003	$167
Cell phone violation	$1009	$172
Driving too slowly	$1014	$169
Failure to yield	$1014	$173
Speeding in school zone	$1014	$169
Illegal turn	$1019	$174
Speeding 11 - 15 MPH over limit	$1019	$170
Speeding 16 - 20 MPH over limit	$1019	$174
Texting while driving	$1019	$170
Wrong way/wrong lane	$1019	$174
Failure to stop at a red light	$1031	$172
Following too closely	$1031	$176
Improper passing	$1060	$177
Passing school bus	$1078	$183
In 65 MPH zone	$1135	$189
At-fault accident - $1000-$2000	$1181	$201
Speeding 21 - 25 MPH over limit	$1181	$197
Operating a vehicle without permission	$1187	$202
At-fault accident - greater than $2000	$1193	$199
Open container	$1204	$205
Reckless driving	$1556	$259
Racing	$1562	$266
Refusal to submit to a chemical test	$1573	$262
Driving with a suspended license	$1579	$269
Leaving scene of an accident/hit and run	$1585	$264
DUI	$1590	$271

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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 Union Grove 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 Union Grove.

The cheapest car insurance premiums in Union Grove are offered by Western National at $145 for a six-month policy. However, it can be as expensive as $1400 with companies like Allstate.

Union Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$145	$24
Chubb	$231	$39
Travelers	$271	$46
West Bend	$323	$53
Kemper	$329	$56
USAA	$605	$102
Erie	$628	$106
American Family	$715	$120
Progressive	$858	$145
State Farm	$922	$155
Farmers	$1342	$228
Acuity	$1354	$226
Allstate	$1400	$236

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 Union Grove are offered by Western National at $145. However, it can be as expensive as $1302 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Union Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$145	$24
AAA	$184	$31
Auto-Owners Insurance Co	$202	$34
Travelers	$225	$38
Chubb	$231	$39
West Bend Mutual	$265	$45
Erie	$409	$69
State Farm	$478	$81
American Family	$484	$81
Acuity	$576	$97
Progressive	$760	$128
Allstate	$1302	$221

Car Insurance Price Trends in Union Grove, Wisconsin

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

The average cost of full coverage in the Union Grove rose by $121 in December compared to $118 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 Union Grove rose to $33 in December, compared to $31 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 Union Grove?

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

What is the cheapest car insurance in Union Grove?

The cheapest car insurance in Union Grove is $46 per month for full coverage.

How much is car insurance in Union Grove for teenagers?

Car insurance for teenagers costs $190 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 Union Grove?

The average cost of car insurance is $677 for a six-month policy. It will cost around $111 per month to insure your car in Union Grove.

Is car insurance expensive in Union Grove?

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

Cheapest Car Insurance Quotes in Union Grove

Why you can trust Way?

How Much Is Car Insurance in Union Grove

Avg. Car Insurance in Union Grove

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Union Grove

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Union Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Union Grove, WI

Way's key takeaways about car insurance in Union Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Union Grove

Cheapest Liability Coverage in Union Grove, WI

Cheapest Full Coverage Car Insurance in Union Grove

Cheapest Full Coverage Car Insurance Quotes in Union Grove, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Union Grove by Rating Factor

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

Car Insurance Premiums by Age in Union Grove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Union Grove,WI

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

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 Union Grove

Cheapest Car Insurance Companies after an At-Fault Accident in Union Grove

Union Grove Car Insurance Rates by Violation

Union Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Union Grove after a DUI

Union Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Union Grove after Speeding ticket

Car Insurance Price Trends in Union Grove, Wisconsin

Average Car Insurance Cost in Union Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Union Grove, WI

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

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