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Finding the cheapest car insurance quotes in Winnebago shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Winnebago
The car insurance rate in Winnebago is $582 for a six-month policy, which is $95 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $240, making it a popular choice for budget-conscious drivers. Rates in Winnebago 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.
At $240 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 $358 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 $393
for six months, making it
the third cheapest auto insurance company in Winnebago.
Winnebago Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Winnebago, WI is AAA, offering policies at just $240 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $358.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $654 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Winnebago drivers find the best deals.
Way's key takeaways about car insurance in Winnebago
The auto insurance costs in Winnebago fall around $240 for six
months.
The cheapest auto insurance company in Winnebago is AAA.
Teen drivers pay the highest rate in Winnebago at $550 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Winnebago
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 Winnebago are given below.
AAA provides
the cheapest minimum car insurance
coverage in Winnebago. Their Average 6 Month Premium is $102.
Secura is the most
expensive at $138 for the same
period.
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 Winnebago is AAA
at $40 per month and $240
for six months.
Cheapest Full Coverage Car Insurance Quotes in Winnebago,
WI
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Average Car Insurance in Winnebago 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 Winnebago, WI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Winnebago, 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, Winnebago's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Winnebago
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
$412
30s
USAA
$331
40s
USAA
$300
50s
USAA
$285
60s
USAA
$297
70s
USAA
$366
Cheapest Car Insurance Rates for Teen Drivers in
Winnebago,WI
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Winnebago at $28
per
month. At $3295 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Winnebago.
As young drivers face the highest rates in Winnebago, USAA
offers the cheapest auto insurance rates at $412 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 Winnebago,
Western National is
the cheapest car insurance provider. At $128 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
Winnebago is Allstate, offering
rates of around $1583 for six
months.
Save up to $971/yr on car insurance rates in Winnebago.
Car Insurance Rates with An Accident in Winnebago
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 Winnebago, WI,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Winnebago
The cheapest car insurance companies after an at-fault accident in
Winnebago include Western National
and Rural Mutual, offering $128
and $148,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1553.
Here is a list of driving violations that can increase your car
insurance rates in Winnebago WI. For example, the car
insurance in Winnebago
after a DUI increases to $680 for a six
month policy. While the rate increases by $149 for a six-month policy in the case of
a speeding ticket.
Winnebago auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$730
$122
One Med/PIP claim
$735
$125
Not-at-fault accident
$766
$128
One comp claim
$777
$132
Two Med/PIP claims
$787
$131
Failure to show documents
$797
$136
Driving with expired registration
$817
$136
Failure to wear a seat belt
$822
$140
Two comp claims
$838
$139
Driving without lights
$869
$148
Child safety restraint
$874
$145
Speeding 6 - 10 MPH over limit
$879
$150
At-fault accident - less than $1000
$889
$148
Cell phone violation
$894
$152
Driving too slowly
$899
$150
Failure to yield
$899
$153
Speeding in school zone
$899
$150
Illegal turn
$904
$154
Speeding 11 - 15 MPH over limit
$904
$151
Speeding 16 - 20 MPH over limit
$904
$154
Texting while driving
$904
$151
Wrong way/wrong lane
$904
$154
Failure to stop at a red light
$914
$152
Following too closely
$914
$156
Improper passing
$940
$157
Passing school bus
$955
$163
In 65 MPH zone
$1006
$168
At-fault accident - $1000-$2000
$1047
$178
Speeding 21 - 25 MPH over limit
$1047
$175
Operating a vehicle without permission
$1053
$179
At-fault accident - greater than $2000
$1058
$176
Open container
$1067
$181
Reckless driving
$1379
$230
Racing
$1385
$236
Refusal to submit to a chemical test
$1395
$232
Driving with a suspended license
$1400
$238
Leaving scene of an accident/hit and run
$1405
$234
DUI
$1410
$240
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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 Winnebago 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 Winnebago.
The cheapest car insurance premiums in
Winnebago are
offered by Western National at $128 for a six-month policy.
However, it can be as
expensive as $1241 with companies
like Allstate.
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 Winnebago are offered by Western National
at $128. However,
it can be as expensive as $1154
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Winnebago after Speeding ticket
Car Insurance Price Trends in Winnebago,
Wisconsin
Car insurance rates in Winnebago have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Winnebago rose by
$108 in December
compared to $105 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 Winnebago rose to $29 in December,
compared to $28 in November.
This represents an increase of $1
when comparing December and November.
Average Car Insurance Cost in Winnebago by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Winnebago. At $1164 for a
six-month policy, insuring
your car at 54985 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Winnebago?
The car insurance in Winnebago is $17 per month, which is lower than the national average.
What is the cheapest car insurance in Winnebago?
The cheapest car insurance in Winnebago
is $40 per month
for full coverage.
How much is car insurance in Winnebago for teenagers?
Car insurance for teenagers costs $169 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
Winnebago?
The average cost of car insurance is $677 for a six-month
policy. It will cost around $98 per month to insure your
car in Winnebago.
Is car insurance expensive in Winnebago?
Car insurance can be expensive in Winnebago if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Winnebago can be
affordable.
What is the best car insurance in Winnebago,
WI?
The best car insurance company in Winnebago
WI is
AAA, offering $240 for a
six-month policy.
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Winnebago Car Insurance
