Compare Bay City, WI Car Insurance Rates (2021)

Car insurance in Bay City, WI averages $255 a month. Bay City, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Bay City car insurance rates, compare quotes from the top car insurance companies in Bay City, WI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Bay City, WI are $3,057/year
  • The cheapest car insurance company in Bay City is American Family
  • Average car insurance rates in Bay City, WI after a DUI are $3,393/year

If you need to buy Bay City, Wisconsin car insurance, the options can be confusing. Everything you need to know about car insurance in Bay City, WI is right here.

You’ll find Bay City car insurance rates, the cheapest Bay City, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Bay City, Wisconsin car insurance rates to Waukesha car insurance rates, Madison car insurance rates, and Milwaukee car insurance rates.

Ready to find affordable Bay City, WI car insurance today? Enter your ZIP code for fast, free Bay City car insurance quotes.

Cheapest Bay City, WI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Bay City, WI car insurance rates? Every Bay City, Wisconsin car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bay City, Wisconsin

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,377 $2,506 $2,194 $2,424 $7,756 $9,919 $2,418 $2,633
American Family $1,073 $1,126 $1,007 $1,017 $3,164 $3,499 $1,273 $1,360
Farmers $1,868 $1,873 $1,657 $1,753 $8,731 $9,067 $2,112 $2,211
GEICO $1,386 $1,513 $1,403 $1,579 $4,471 $4,822 $1,286 $1,337
Liberty Mutual $1,810 $1,980 $1,466 $1,668 $5,864 $6,583 $1,926 $2,091
Nationwide $3,960 $4,178 $3,272 $3,454 $7,985 $12,216 $4,812 $5,743
Progressive $1,742 $1,664 $1,426 $1,484 $6,522 $7,367 $2,092 $2,269
State Farm $1,347 $1,347 $1,192 $1,192 $3,742 $4,747 $1,517 $1,722
USAA $1,412 $1,413 $1,275 $1,304 $3,546 $4,124 $1,840 $2,027

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Minimum Car Insurance in Bay City, WI

Every driver must carry the minimum car insurance in Bay City, WI. Take a look at the Wisconsin car insurance requirements.

Minimum Required Car Insurance Coverage in Bay City, Wisconsin

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Bay City, WI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Bay City, WI. Compare credit history car insurance rates in Bay City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Bay City, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,296 $3,639 $3,150
American Family $2,259 $1,493 $1,318
Farmers $4,138 $3,495 $3,344
GEICO $2,921 $2,082 $1,671
Liberty Mutual $4,222 $2,542 $2,007
Nationwide $6,411 $5,348 $5,348
Progressive $3,501 $2,962 $2,749
State Farm $3,134 $1,799 $1,370
USAA $3,269 $1,716 $1,368

Cheapest Bay City, WI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Bay City, WI to rates for a clean record with top companies.

Annual Bay City, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,281 $4,523 $4,227 $4,082
American Family $1,615 $1,715 $1,715 $1,715
Farmers $3,186 $4,018 $3,820 $3,612
GEICO $1,560 $2,496 $2,797 $2,046
Liberty Mutual $2,243 $3,167 $3,298 $2,987
Nationwide $4,821 $5,577 $6,835 $5,577
Progressive $2,814 $3,401 $2,918 $3,150
State Farm $1,939 $2,263 $2,101 $2,101
USAA $1,661 $2,088 $2,826 $1,895

Cheapest Bay City, WI Car Insurance for Teen Drivers

Teen car insurance in Bay City, WI can be expensive. Take a look at rates from the top car insurance companies in Bay City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Bay City, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,756 $9,919
American Family $3,164 $3,499
Farmers $8,731 $9,067
GEICO $4,471 $4,822
Liberty Mutual $5,864 $6,583
Nationwide $7,985 $12,216
Progressive $6,522 $7,367
State Farm $3,742 $4,747
USAA $3,546 $4,124

Cheapest Bay City, WI Car Insurance for Seniors

Take a look at Bay City, WI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Bay City, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,194 $2,424
American Family $1,007 $1,017
Farmers $1,657 $1,753
GEICO $1,403 $1,579
Liberty Mutual $1,466 $1,668
Nationwide $3,272 $3,454
Progressive $1,426 $1,484
State Farm $1,192 $1,192
USAA $1,275 $1,304

Cheapest Bay City, WI Car Insurance Rates After a DUI

A DUI in Bay City, WI increases car insurance rates. Compare Bay City, Wisconsin DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Bay City, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,227
American Family $1,715
Farmers $3,820
GEICO $2,797
Liberty Mutual $3,298
Nationwide $6,835
Progressive $2,918
State Farm $2,101
USAA $2,826

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Cheapest Bay City, WI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Bay City, WI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Bay City, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,931 $4,126
American Family $1,661 $1,719
Farmers $3,659 $3,659
GEICO $2,176 $2,273
Liberty Mutual $2,924 $2,924
Nationwide $5,702 $5,702
Progressive $3,071 $3,071
State Farm $2,048 $2,153
USAA $2,090 $2,145

The Best Cheap Car Insurance Companies in Bay City, WI

Take a look at a side-by-side comparison of the top car insurance companies in Bay City, WI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Bay City, Wisconsin

Insurance Company Average Annual Rates
Allstate $4,028
American Family $1,690
Farmers $3,659
GEICO $2,225
Liberty Mutual $2,924
Nationwide $5,702
Progressive $3,071
State Farm $2,101
USAA $2,118

Category Winners: Cheapest Car Insurance in Bay City, Wisconsin

Find the cheapest car insurance companies in Bay City, WI for each category right here.

Best Annual Car Insurance Rates by Company in Bay City, Wisconsin

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

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Cheapest Bay City, WI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Bay City car insurance rates. Find the cheapest Bay City, WI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Bay City, Wisconsin

Insurance Company Low Medium High
Allstate $3,859 $4,019 $4,207
American Family $1,670 $1,705 $1,695
Farmers $3,368 $3,630 $3,980
GEICO $2,111 $2,224 $2,339
Liberty Mutual $2,702 $2,952 $3,116
Nationwide $5,533 $5,700 $5,874
Progressive $2,895 $3,094 $3,224
State Farm $1,984 $2,107 $2,211
USAA $2,042 $2,119 $2,192

What affects car insurance rates in Bay City, Wisconsin?

What factors can have an impact on Bay City, WI car insurance? There are several reasons why Bay City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Bay City, Wisconsin.

Commute Time in Bay City

The more time you spend in your car the higher the risk of an accident. The average commute length in Bay City, WI is 28.2 minutes according to City-Data.

Compare Car Insurance Quotes in Bay City, WI

Ready to find affordable Bay City, Wisconsin car insurance today? Enter your ZIP code for fast, free Bay City, WI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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