Compare Independence, WI Car Insurance Rates (2021)

Car insurance in Independence, WI averages $253 a month. Independence, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Independence car insurance rates, compare quotes from the top car insurance companies in Independence, 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

  • The cheapest car insurance company in Independence is American Family
  • The cheapest car insurance company in Independence for teen drivers is American Family
  • Average car insurance rates in Independence, WI are $3,030/year

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

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

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

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

How do age, gender, and marital status affect Independence, WI car insurance rates? Every Independence, 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 Independence, 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 $2,252 $2,380 $2,073 $2,295 $7,098 $9,113 $2,295 $2,495
American Family $1,012 $1,061 $945 $956 $2,834 $3,137 $1,192 $1,272
Farmers $1,801 $1,804 $1,594 $1,688 $8,672 $9,004 $2,052 $2,155
GEICO $1,383 $1,509 $1,400 $1,575 $4,458 $4,809 $1,283 $1,334
Liberty Mutual $1,757 $1,916 $1,420 $1,610 $5,968 $6,688 $1,870 $2,030
Nationwide $3,880 $4,090 $3,198 $3,376 $7,768 $11,863 $4,706 $5,625
Progressive $2,003 $1,931 $1,639 $1,696 $7,171 $8,127 $2,411 $2,614
State Farm $1,426 $1,426 $1,254 $1,254 $3,889 $4,931 $1,604 $1,828
USAA $1,360 $1,361 $1,228 $1,256 $3,408 $3,962 $1,770 $1,950

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Minimum Car Insurance in Independence, WI

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

Minimum Required Car Insurance Coverage in Independence, 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 Independence, WI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Independence, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,926 $3,388 $2,937
American Family $2,076 $1,369 $1,209
Farmers $4,063 $3,438 $3,288
GEICO $2,914 $2,077 $1,666
Liberty Mutual $4,198 $2,532 $1,992
Nationwide $6,255 $5,218 $5,218
Progressive $3,957 $3,319 $3,071
State Farm $3,285 $1,885 $1,435
USAA $3,141 $1,652 $1,317

Cheapest Independence, 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 Independence, WI to rates for a clean record with top companies.

Annual Independence, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,079 $4,211 $3,922 $3,788
American Family $1,484 $1,574 $1,574 $1,574
Farmers $3,136 $3,961 $3,743 $3,546
GEICO $1,556 $2,490 $2,789 $2,041
Liberty Mutual $2,219 $3,160 $3,280 $2,969
Nationwide $4,703 $5,441 $6,668 $5,441
Progressive $3,166 $3,804 $3,277 $3,548
State Farm $2,036 $2,367 $2,202 $2,202
USAA $1,599 $2,008 $2,717 $1,823

Cheapest Independence, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Independence, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,098 $9,113
American Family $2,834 $3,137
Farmers $8,672 $9,004
GEICO $4,458 $4,809
Liberty Mutual $5,968 $6,688
Nationwide $7,768 $11,863
Progressive $7,171 $8,127
State Farm $3,889 $4,931
USAA $3,408 $3,962

Cheapest Independence, WI Car Insurance for Seniors

Take a look at Independence, 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 Independence, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,073 $2,295
American Family $945 $956
Farmers $1,594 $1,688
GEICO $1,400 $1,575
Liberty Mutual $1,420 $1,610
Nationwide $3,198 $3,376
Progressive $1,639 $1,696
State Farm $1,254 $1,254
USAA $1,228 $1,256

Cheapest Independence, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Independence, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,922
American Family $1,574
Farmers $3,743
GEICO $2,789
Liberty Mutual $3,280
Nationwide $6,668
Progressive $3,277
State Farm $2,202
USAA $2,717

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Cheapest Independence, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Independence, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,660 $3,840
American Family $1,525 $1,577
Farmers $3,596 $3,596
GEICO $2,171 $2,267
Liberty Mutual $2,907 $2,907
Nationwide $5,563 $5,563
Progressive $3,449 $3,449
State Farm $2,148 $2,255
USAA $2,010 $2,063

The Best Cheap Car Insurance Companies in Independence, WI

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

Average Annual Car Insurance Rates by Company in Independence, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,750
American Family $1,551
Farmers $3,596
GEICO $2,219
Liberty Mutual $2,907
Nationwide $5,563
Progressive $3,449
State Farm $2,202
USAA $2,037

Category Winners: Cheapest Car Insurance in Independence, Wisconsin

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

Best Annual Car Insurance Rates by Company in Independence, Wisconsin

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

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Cheapest Independence, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Independence, Wisconsin

Insurance Company Low Medium High
Allstate $3,588 $3,741 $3,921
American Family $1,535 $1,565 $1,553
Farmers $3,310 $3,565 $3,914
GEICO $2,106 $2,218 $2,333
Liberty Mutual $2,687 $2,933 $3,101
Nationwide $5,417 $5,561 $5,711
Progressive $3,283 $3,471 $3,593
State Farm $2,098 $2,207 $2,299
USAA $1,962 $2,038 $2,110

What affects car insurance rates in Independence, Wisconsin?

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

Car Theft in Independence

High levels of vehicle theft can make car insurance more expensive. Independence, WI car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Independence

The more time you spend in your car the higher the risk of an accident. The average commute length in Independence, WI is 14.7 minutes according to City-Data.

Compare Car Insurance Quotes in Independence, WI

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

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Average Monthly Car Insurance Rates by State