Cheapest Car Insurance Quotes in West Salem

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West Salem 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 West Salem

The car insurance rate in West Salem is $616 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $254, making it a popular choice for budget-conscious drivers. Rates in West Salem 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 West Salem

$616

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in West Salem

1st place: AAA

At $254 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 $379 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 $416 for six months, making it the third cheapest auto insurance company in West Salem.

West Salem Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Salem, WI is AAA, offering policies at just $254 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $379.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Salem drivers find the best deals.

Cheap Car Insurance Companies in West Salem, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$254	$43
West Bend Mutual	$379	$63
IMT Insurance Company	$416	$71
Auto-Owners Insurance Co	$421	$70
Chubb	$432	$74
Acuity	$465	$78
American Family	$470	$79
Travelers	$481	$81
Erie	$562	$95
USAA	$654	$110
Rockford Mutual	$686	$116
Nationwide	$741	$125
Rural Mutual	$763	$129
State Farm	$763	$128
Progressive	$892	$150
Farmers	$951	$158
Allstate	$1103	$186
Secura	$584	$97
Hastings Mutual	$692	$117

Key Takeaways

Way's key takeaways about car insurance in West Salem

The auto insurance costs in West Salem fall around $254 for six months.
The cheapest auto insurance company in West Salem is AAA.
Teen drivers pay the highest rate in West Salem at $581 per month.

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Cheapest Minimum Liability Car Insurance in West Salem

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 West Salem are given below.

AAA provides the cheapest minimum car insurance coverage in West Salem. Their Average 6 Month Premium is $108. Secura is the most expensive at $146 for the same period.

Cheapest Liability Coverage in West Salem, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$108	$18
Rural Mutual	$119	$20
Western National	$130	$22
Erie	$146	$25
USAA	$157	$26
West Bend Mutual	$162	$27
Auto-Owners Insurance Co	$167	$28
Acuity	$173	$29
American Family	$178	$30
Travelers	$178	$30
Progressive	$184	$31
Chubb	$189	$32
State Farm	$206	$35
Farmers	$319	$55
Allstate	$421	$71
Secura	$146	$25

Cheapest Full Coverage Car Insurance in West Salem

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 West Salem is AAA at $43 per month and $254 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Salem, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$254	$43
West Bend Mutual	$379	$63
IMT Insurance Company	$416	$71
Auto-Owners Insurance Co	$421	$70
Chubb	$432	$74
Acuity	$465	$78
American Family	$470	$79
Travelers	$481	$81
Erie	$562	$95
USAA	$654	$110
Rockford Mutual	$686	$116
Nationwide	$741	$125
Rural Mutual	$763	$129
State Farm	$763	$128
Progressive	$892	$150
Farmers	$951	$158
Allstate	$1103	$186
Secura	$584	$97
Hastings Mutual	$692	$117

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Average Car Insurance in West Salem 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 West Salem, WI increasing?

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

Car Insurance Premiums by Age in West Salem

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	$436
30s	USAA	$350
40s	USAA	$318
50s	USAA	$301
60s	USAA	$314
70s	USAA	$387

Cheapest Car Insurance Rates for Teen Drivers in West Salem,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the West Salem at $30 per month. At $3486 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$178	$30
Travelers	$184	$31
Auto-Owners Insurance Co	$211	$35
Western National	$211	$35
West Bend Mutual	$238	$40
USAA	$784	$132
Erie	$805	$136
American Family	$973	$164
Acuity	$1481	$249
State Farm	$1708	$288
Progressive	$2465	$415
Allstate	$3249	$547
Farmers	$3486	$581

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 West Salem.

As young drivers face the highest rates in West Salem, USAA offers the cheapest auto insurance rates at $436 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 West Salem, Western National is the cheapest car insurance provider. At $136 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 West Salem is Allstate, offering rates of around $1675 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$136	$23
AAA	$151	$25
West Bend Mutual	$195	$33
Chubb	$217	$36
IMT Insurance Company	$217	$36
Travelers	$254	$43
Acuity	$535	$90
American Family	$616	$104
State Farm	$660	$110
Erie	$713	$120
Progressive	$833	$140
Allstate	$1675	$285

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Car Insurance Rates with An Accident in West Salem

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 West Salem, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Salem

The cheapest car insurance companies after an at-fault accident in West Salem include Western National and Rural Mutual, offering $136 and $157, respectively. Allstate is an expensive provider with an average six-month premium of $1643.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$136	$23
Rural Mutual	$157	$26
Auto-Owners Insurance Co	$206	$35
AAA	$211	$35
Chubb	$217	$36
Travelers	$217	$36
West Bend	$227	$38
West Bend Mutual	$270	$46
Auto-Owners	$281	$46
Erie	$432	$73
USAA	$432	$73
American Family	$654	$110
Acuity	$686	$116
State Farm	$692	$116
Farmers	$1308	$218
Progressive	$1454	$245
Allstate	$1643	$277

West Salem Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Salem WI. For example, the car insurance in West Salem after a DUI increases to $718 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

West Salem auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$773	$129
One Med/PIP claim	$778	$132
Not-at-fault accident	$811	$136
One comp claim	$822	$140
Two Med/PIP claims	$833	$138
Failure to show documents	$844	$144
Driving with expired registration	$865	$144
Failure to wear a seat belt	$870	$148
Two comp claims	$886	$147
Driving without lights	$919	$157
Child safety restraint	$925	$154
Speeding 6 - 10 MPH over limit	$930	$158
At-fault accident - less than $1000	$941	$157
Cell phone violation	$946	$161
Driving too slowly	$951	$158
Failure to yield	$951	$162
Speeding in school zone	$951	$158
Illegal turn	$956	$163
Speeding 11 - 15 MPH over limit	$956	$159
Speeding 16 - 20 MPH over limit	$956	$163
Texting while driving	$956	$159
Wrong way/wrong lane	$956	$163
Failure to stop at a red light	$967	$161
Following too closely	$967	$165
Improper passing	$995	$166
Passing school bus	$1011	$172
In 65 MPH zone	$1065	$177
At-fault accident - $1000-$2000	$1108	$188
Speeding 21 - 25 MPH over limit	$1108	$185
Operating a vehicle without permission	$1114	$189
At-fault accident - greater than $2000	$1119	$187
Open container	$1129	$192
Reckless driving	$1460	$243
Racing	$1465	$249
Refusal to submit to a chemical test	$1476	$246
Driving with a suspended license	$1481	$252
Leaving scene of an accident/hit and run	$1487	$248
DUI	$1491	$254

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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 West Salem 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 West Salem.

The cheapest car insurance premiums in West Salem are offered by Western National at $136 for a six-month policy. However, it can be as expensive as $1313 with companies like Allstate.

West Salem car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$136	$23
Chubb	$217	$36
Travelers	$254	$43
West Bend	$303	$50
Kemper	$308	$53
USAA	$568	$96
Erie	$589	$99
American Family	$671	$113
Progressive	$805	$136
State Farm	$865	$146
Farmers	$1259	$214
Acuity	$1270	$212
Allstate	$1313	$221

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 West Salem are offered by Western National at $136. However, it can be as expensive as $1221 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Salem after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$136	$23
AAA	$173	$29
Auto-Owners Insurance Co	$189	$32
Travelers	$211	$35
Chubb	$217	$36
West Bend Mutual	$248	$42
Erie	$384	$65
State Farm	$449	$76
American Family	$454	$76
Acuity	$541	$91
Progressive	$713	$120
Allstate	$1221	$207

Car Insurance Price Trends in West Salem, Wisconsin

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

The average cost of full coverage in the West Salem rose by $114 in December compared to $111 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 West Salem 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 West Salem?

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

What is the cheapest car insurance in West Salem?

The cheapest car insurance in West Salem is $43 per month for full coverage.

How much is car insurance in West Salem for teenagers?

Car insurance for teenagers costs $178 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 West Salem?

The average cost of car insurance is $677 for a six-month policy. It will cost around $104 per month to insure your car in West Salem.

Is car insurance expensive in West Salem?

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

Cheapest Car Insurance Quotes in West Salem

Why you can trust Way?

How Much Is Car Insurance in West Salem

Avg. Car Insurance in West Salem

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in West Salem

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

West Salem Car Insurance Rates by Company

Cheap Car Insurance Companies in West Salem, WI

Way's key takeaways about car insurance in West Salem

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Salem

Cheapest Liability Coverage in West Salem, WI

Cheapest Full Coverage Car Insurance in West Salem

Cheapest Full Coverage Car Insurance Quotes in West Salem, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Salem by Rating Factor

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

Car Insurance Premiums by Age in West Salem

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Salem,WI

If you are in your twenties USAA is the best choice for car insurance in West Salem.

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 West Salem

Cheapest Car Insurance Companies after an At-Fault Accident in West Salem

West Salem Car Insurance Rates by Violation

West Salem auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Salem after a DUI

West Salem car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Salem after Speeding ticket

Car Insurance Price Trends in West Salem, Wisconsin

Average Car Insurance Cost in West Salem by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Salem, WI

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

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