Cheapest Car Insurance Quotes in Wisconsin Rapids

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Wisconsin Rapids 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 Wisconsin Rapids

The car insurance rate in Wisconsin Rapids is $728 for a six-month policy, which is $22 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 Wisconsin Rapids 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 Wisconsin Rapids

$728

Avg. Car Insurance in Wisconsin

$750

National Average

$1278

Cheapest Car Insurance Companies in Wisconsin Rapids

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 Wisconsin Rapids.

Wisconsin Rapids Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wisconsin Rapids, 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, Progressive is the most expensive, with rates reaching $1366 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wisconsin Rapids drivers find the best deals.

Cheap Car Insurance Companies in Wisconsin Rapids, 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
Travelers	$513	$86
American Family	$519	$87
Erie	$633	$107
USAA	$674	$113
Acuity	$692	$116
Rockford Mutual	$731	$124
Nationwide	$790	$133
Rural Mutual	$813	$138
Auto-Owners	$922	$153
West Bend	$933	$159
State Farm	$986	$166
Farmers	$1014	$173
Allstate	$1215	$205
Progressive	$1366	$230

Key Takeaways

Way's key takeaways about car insurance in Wisconsin Rapids

The auto insurance costs in Wisconsin Rapids fall around $271 for six months.
The cheapest auto insurance company in Wisconsin Rapids is AAA.
Teen drivers pay the highest rate in Wisconsin Rapids at $629 per month.

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Cheapest Minimum Liability Car Insurance in Wisconsin Rapids

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 Wisconsin Rapids are given below.

AAA provides the cheapest minimum car insurance coverage in Wisconsin Rapids. Their Average 6 Month Premium is $115. Allstate is the most expensive at $443 for the same period.

Cheapest Liability Coverage in Wisconsin Rapids, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$115	$19
Rural Mutual	$127	$21
Western National	$139	$23
Erie	$155	$26
USAA	$161	$27
West Bend Mutual	$173	$29
Auto-Owners Insurance Co	$178	$30
Travelers	$190	$32
Acuity	$196	$33
American Family	$196	$33
Chubb	$202	$34
Auto-Owners	$219	$37
Progressive	$231	$39
State Farm	$242	$41
West Bend	$271	$46
Farmers	$340	$58
Allstate	$443	$75

Cheapest Full Coverage Car Insurance in Wisconsin Rapids

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 Wisconsin Rapids is AAA at $46 per month and $271 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wisconsin Rapids, 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
Travelers	$513	$86
American Family	$519	$87
Erie	$633	$107
USAA	$674	$113
Acuity	$692	$116
Rockford Mutual	$731	$124
Nationwide	$790	$133
Rural Mutual	$813	$138
Auto-Owners	$922	$153
West Bend	$933	$159
State Farm	$986	$166
Farmers	$1014	$173
Allstate	$1215	$205
Progressive	$1366	$230

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Average Car Insurance in Wisconsin Rapids 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 Wisconsin Rapids, WI increasing?

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

Car Insurance Premiums by Age in Wisconsin Rapids

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	$479
30s	USAA	$385
40s	USAA	$349
50s	USAA	$332
60s	USAA	$344
70s	USAA	$425

Cheapest Car Insurance Rates for Teen Drivers in Wisconsin Rapids,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Wisconsin Rapids at $32 per month. At $3734 for a six-month premium, Progressive 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
Erie	$945	$159
USAA	$997	$168
American Family	$1078	$181
West Bend	$1769	$301
State Farm	$2155	$363
Auto-Owners	$2213	$376
Acuity	$2385	$402
Allstate	$3549	$598
Farmers	$3716	$620
Progressive	$3734	$629

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 Wisconsin Rapids.

As young drivers face the highest rates in Wisconsin Rapids, USAA offers the cheapest auto insurance rates at $479 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 Wisconsin Rapids, 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 Wisconsin Rapids is AutoOwners, offering rates of around $3382 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
American Family	$697	$117
Acuity	$864	$146
Erie	$927	$156
State Farm	$1049	$175
USAA	$1181	$201
West Bend	$1366	$228
Progressive	$1562	$263
Allstate	$1919	$320
Auto-Owners	$3382	$575

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Car Insurance Rates with An Accident in Wisconsin Rapids

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 Wisconsin Rapids, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Wisconsin Rapids

The cheapest car insurance companies after an at-fault accident in Wisconsin Rapids include Western National and Rural Mutual, offering $145 and $167, respectively. Progressive is an expensive provider with an average six-month premium of $2281.

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 Mutual	$288	$49
West Bend	$490	$82
Erie	$513	$86
USAA	$588	$99
Auto-Owners	$668	$113
American Family	$726	$122
State Farm	$870	$146
Acuity	$1060	$178
Farmers	$1394	$233
Allstate	$1821	$307
Progressive	$2281	$384

Wisconsin Rapids Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wisconsin Rapids WI. For example, the car insurance in Wisconsin Rapids 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.

Wisconsin Rapids 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 Wisconsin Rapids 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 Wisconsin Rapids.

The cheapest car insurance premiums in Wisconsin Rapids are offered by Western National at $145 for a six-month policy. However, it can be as expensive as $2120 with companies like Acuity.

Wisconsin Rapids car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$145	$24
Chubb	$231	$39
Travelers	$271	$46
Kemper	$329	$54
West Bend	$674	$113
Erie	$715	$120
American Family	$743	$125
USAA	$772	$130
State Farm	$1129	$190
Progressive	$1250	$210
Farmers	$1342	$228
Allstate	$1458	$245
Auto-Owners	$1515	$258
Acuity	$2120	$353

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 Wisconsin Rapids are offered by Western National at $145. However, it can be as expensive as $1481 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Wisconsin Rapids 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	$490	$82
American Family	$513	$86
State Farm	$663	$112
USAA	$703	$119
Acuity	$847	$143
Auto-Owners	$922	$157
West Bend	$1054	$176
Allstate	$1400	$238
Progressive	$1481	$249

Car Insurance Price Trends in Wisconsin Rapids, Wisconsin

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

The average cost of full coverage in the Wisconsin Rapids remained steady at $152 in both March and February, indicating no change over the two month period.

The average cost of liability insurance in the Wisconsin Rapids remained steady at $34 in both March and February, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Wisconsin Rapids?

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

What is the cheapest car insurance in Wisconsin Rapids?

The cheapest car insurance in Wisconsin Rapids is $46 per month for full coverage.

How much is car insurance in Wisconsin Rapids 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 Wisconsin Rapids?

The average cost of car insurance is $750 for a six-month policy. It will cost around $122 per month to insure your car in Wisconsin Rapids.

Is car insurance expensive in Wisconsin Rapids?

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

Cheapest Car Insurance Quotes in Wisconsin Rapids

Why you can trust Way?

How Much Is Car Insurance in Wisconsin Rapids

Avg. Car Insurance in Wisconsin Rapids

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Wisconsin Rapids

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Wisconsin Rapids Car Insurance Rates by Company

Cheap Car Insurance Companies in Wisconsin Rapids, WI

Way's key takeaways about car insurance in Wisconsin Rapids

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wisconsin Rapids

Cheapest Liability Coverage in Wisconsin Rapids, WI

Cheapest Full Coverage Car Insurance in Wisconsin Rapids

Cheapest Full Coverage Car Insurance Quotes in Wisconsin Rapids, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wisconsin Rapids by Rating Factor

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

Car Insurance Premiums by Age in Wisconsin Rapids

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wisconsin Rapids,WI

If you are in your twenties USAA is the best choice for car insurance in Wisconsin Rapids.

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 Wisconsin Rapids

Cheapest Car Insurance Companies after an At-Fault Accident in Wisconsin Rapids

Wisconsin Rapids Car Insurance Rates by Violation

Wisconsin Rapids auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wisconsin Rapids after a DUI

Wisconsin Rapids car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wisconsin Rapids after Speeding ticket

Car Insurance Price Trends in Wisconsin Rapids, Wisconsin

Average Car Insurance Cost in Wisconsin Rapids by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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