Cheapest Car Insurance Quotes in Whitefish Bay

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Whitefish Bay 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 Whitefish Bay

The car insurance rate in Whitefish Bay is $792 for a six-month policy, which is $115 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $326, making it a popular choice for budget-conscious drivers. Rates in Whitefish Bay 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 Whitefish Bay

$792

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Whitefish Bay

1st place: AAA

At $326 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 $487 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 $535 for six months, making it the third cheapest auto insurance company in Whitefish Bay.

Whitefish Bay Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whitefish Bay, WI is AAA, offering policies at just $326 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $487.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $889 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whitefish Bay drivers find the best deals.

Cheap Car Insurance Companies in Whitefish Bay, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$326	$55
West Bend Mutual	$487	$81
IMT Insurance Company	$535	$91
Auto-Owners Insurance Co	$542	$90
Chubb	$556	$95
Acuity	$598	$101
American Family	$605	$102
Travelers	$619	$104
Erie	$723	$122
USAA	$841	$142
Rockford Mutual	$882	$150
Nationwide	$952	$160
Rural Mutual	$980	$166
State Farm	$980	$165
Progressive	$1147	$193
Farmers	$1223	$204
Allstate	$1418	$239
Secura	$751	$125
Hastings Mutual	$889	$151

Key Takeaways

Way's key takeaways about car insurance in Whitefish Bay

The auto insurance costs in Whitefish Bay fall around $326 for six months.
The cheapest auto insurance company in Whitefish Bay is AAA.
Teen drivers pay the highest rate in Whitefish Bay at $748 per month.

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Cheapest Minimum Liability Car Insurance in Whitefish Bay

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 Whitefish Bay are given below.

AAA provides the cheapest minimum car insurance coverage in Whitefish Bay. Their Average 6 Month Premium is $139. Secura is the most expensive at $187 for the same period.

Cheapest Liability Coverage in Whitefish Bay, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$139	$23
Rural Mutual	$153	$26
Western National	$167	$28
Erie	$187	$32
USAA	$201	$34
West Bend Mutual	$208	$35
Auto-Owners Insurance Co	$215	$36
Acuity	$222	$37
American Family	$229	$39
Travelers	$229	$39
Progressive	$236	$40
Chubb	$243	$41
State Farm	$264	$44
Farmers	$410	$70
Allstate	$542	$91
Secura	$187	$32

Cheapest Full Coverage Car Insurance in Whitefish Bay

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 Whitefish Bay is AAA at $55 per month and $326 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whitefish Bay, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$326	$55
West Bend Mutual	$487	$81
IMT Insurance Company	$535	$91
Auto-Owners Insurance Co	$542	$90
Chubb	$556	$95
Acuity	$598	$101
American Family	$605	$102
Travelers	$619	$104
Erie	$723	$122
USAA	$841	$142
Rockford Mutual	$882	$150
Nationwide	$952	$160
Rural Mutual	$980	$166
State Farm	$980	$165
Progressive	$1147	$193
Farmers	$1223	$204
Allstate	$1418	$239
Secura	$751	$125
Hastings Mutual	$889	$151

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Average Car Insurance in Whitefish Bay 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 Whitefish Bay, WI increasing?

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

Car Insurance Premiums by Age in Whitefish Bay

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	$560
30s	USAA	$450
40s	USAA	$408
50s	USAA	$387
60s	USAA	$404
70s	USAA	$497

Cheapest Car Insurance Rates for Teen Drivers in Whitefish Bay,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Whitefish Bay at $39 per month. At $4482 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$229	$39
Travelers	$236	$40
Auto-Owners Insurance Co	$271	$46
Western National	$271	$46
West Bend Mutual	$305	$51
USAA	$1007	$170
Erie	$1035	$174
American Family	$1251	$211
Acuity	$1905	$321
State Farm	$2196	$370
Progressive	$3170	$534
Allstate	$4177	$703
Farmers	$4482	$748

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 Whitefish Bay.

As young drivers face the highest rates in Whitefish Bay, USAA offers the cheapest auto insurance rates at $560 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 Whitefish Bay, Western National is the cheapest car insurance provider. At $174 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 Whitefish Bay is Allstate, offering rates of around $2154 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$174	$29
AAA	$194	$33
West Bend Mutual	$250	$42
Chubb	$278	$47
IMT Insurance Company	$278	$47
Travelers	$326	$55
Acuity	$688	$116
American Family	$792	$133
State Farm	$848	$142
Erie	$917	$154
Progressive	$1071	$180
Allstate	$2154	$366

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Whitefish Bay.

Car Insurance Rates with An Accident in Whitefish Bay

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 Whitefish Bay, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Whitefish Bay

The cheapest car insurance companies after an at-fault accident in Whitefish Bay include Western National and Rural Mutual, offering $174 and $201, respectively. Allstate is an expensive provider with an average six-month premium of $2113.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$174	$29
Rural Mutual	$201	$34
Auto-Owners Insurance Co	$264	$44
AAA	$271	$46
Chubb	$278	$47
Travelers	$278	$47
West Bend	$291	$49
West Bend Mutual	$347	$60
Auto-Owners	$362	$60
Erie	$556	$94
USAA	$556	$94
American Family	$841	$142
Acuity	$882	$149
State Farm	$889	$150
Farmers	$1681	$281
Progressive	$1870	$315
Allstate	$2113	$356

Whitefish Bay Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whitefish Bay WI. For example, the car insurance in Whitefish Bay after a DUI increases to $925 for a six month policy. While the rate increases by $203 for a six-month policy in the case of a speeding ticket.

Whitefish Bay auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$993	$166
One Med/PIP claim	$1000	$170
Not-at-fault accident	$1042	$174
One comp claim	$1057	$180
Two Med/PIP claims	$1071	$178
Failure to show documents	$1085	$185
Driving with expired registration	$1112	$185
Failure to wear a seat belt	$1119	$191
Two comp claims	$1140	$190
Driving without lights	$1182	$201
Child safety restraint	$1189	$198
Speeding 6 - 10 MPH over limit	$1196	$204
At-fault accident - less than $1000	$1210	$201
Cell phone violation	$1217	$207
Driving too slowly	$1223	$204
Failure to yield	$1223	$208
Speeding in school zone	$1223	$204
Illegal turn	$1230	$209
Speeding 11 - 15 MPH over limit	$1230	$205
Speeding 16 - 20 MPH over limit	$1230	$209
Texting while driving	$1230	$205
Wrong way/wrong lane	$1230	$209
Failure to stop at a red light	$1244	$207
Following too closely	$1244	$212
Improper passing	$1279	$213
Passing school bus	$1300	$221
In 65 MPH zone	$1369	$228
At-fault accident - $1000-$2000	$1425	$242
Speeding 21 - 25 MPH over limit	$1425	$238
Operating a vehicle without permission	$1432	$243
At-fault accident - greater than $2000	$1439	$240
Open container	$1452	$247
Reckless driving	$1877	$312
Racing	$1884	$321
Refusal to submit to a chemical test	$1898	$316
Driving with a suspended license	$1905	$324
Leaving scene of an accident/hit and run	$1912	$318
DUI	$1918	$326

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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 Whitefish Bay 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 Whitefish Bay.

The cheapest car insurance premiums in Whitefish Bay are offered by Western National at $174 for a six-month policy. However, it can be as expensive as $1688 with companies like Allstate.

Whitefish Bay car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$174	$29
Chubb	$278	$47
Travelers	$326	$55
West Bend	$390	$64
Kemper	$397	$68
USAA	$730	$123
Erie	$757	$128
American Family	$862	$145
Progressive	$1035	$174
State Farm	$1112	$187
Farmers	$1619	$275
Acuity	$1633	$273
Allstate	$1688	$284

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 Whitefish Bay are offered by Western National at $174. However, it can be as expensive as $1570 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Whitefish Bay after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$174	$29
AAA	$222	$37
Auto-Owners Insurance Co	$243	$41
Travelers	$271	$46
Chubb	$278	$47
West Bend Mutual	$319	$54
Erie	$494	$83
State Farm	$577	$97
American Family	$584	$98
Acuity	$695	$117
Progressive	$917	$154
Allstate	$1570	$267

Car Insurance Price Trends in Whitefish Bay, Wisconsin

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

The average cost of full coverage in the Whitefish Bay rose by $146 in December compared to $143 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 Whitefish Bay rose to $40 in December, compared to $37 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Whitefish Bay?

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

What is the cheapest car insurance in Whitefish Bay?

The cheapest car insurance in Whitefish Bay is $55 per month for full coverage.

How much is car insurance in Whitefish Bay for teenagers?

Car insurance for teenagers costs $229 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 Whitefish Bay?

The average cost of car insurance is $677 for a six-month policy. It will cost around $133 per month to insure your car in Whitefish Bay.

Is car insurance expensive in Whitefish Bay?

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

Cheapest Car Insurance Quotes in Whitefish Bay

Why you can trust Way?

How Much Is Car Insurance in Whitefish Bay

Avg. Car Insurance in Whitefish Bay

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Whitefish Bay

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Whitefish Bay Car Insurance Rates by Company

Cheap Car Insurance Companies in Whitefish Bay, WI

Way's key takeaways about car insurance in Whitefish Bay

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whitefish Bay

Cheapest Liability Coverage in Whitefish Bay, WI

Cheapest Full Coverage Car Insurance in Whitefish Bay

Cheapest Full Coverage Car Insurance Quotes in Whitefish Bay, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whitefish Bay by Rating Factor

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

Car Insurance Premiums by Age in Whitefish Bay

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whitefish Bay,WI

If you are in your twenties USAA is the best choice for car insurance in Whitefish Bay.

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 Whitefish Bay

Cheapest Car Insurance Companies after an At-Fault Accident in Whitefish Bay

Whitefish Bay Car Insurance Rates by Violation

Whitefish Bay auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whitefish Bay after a DUI

Whitefish Bay car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whitefish Bay after Speeding ticket

Car Insurance Price Trends in Whitefish Bay, Wisconsin

Average Car Insurance Cost in Whitefish Bay by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whitefish Bay, WI

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

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