Compare La Crosse, WI Car Insurance Rates (2021)

Car insurance in La Crosse, WI averages $228 a month. La Crosse, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap La Crosse car insurance rates, compare quotes from the top car insurance companies in La Crosse, 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 La Crosse for teen drivers is American Family
  • The cheapest car insurance company in La Crosse is American Family
  • Average car insurance rates in La Crosse, WI after a DUI are $3,022/year

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

You’ll find La Crosse car insurance rates, the cheapest La Crosse, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare La Crosse, Wisconsin car insurance rates to La Crosse car insurance rates, Janesville car insurance rates, and Oshkosh car insurance rates.

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

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

How do age, gender, and marital status affect La Crosse, WI car insurance rates? Every La Crosse, 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 La Crosse, 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 $2,213 $2,338 $2,038 $2,257 $6,937 $8,913 $2,255 $2,448
American Family $998 $1,042 $957 $957 $3,238 $3,563 $1,203 $1,283
Farmers $1,825 $1,823 $1,616 $1,713 $8,714 $9,024 $2,076 $2,174
GEICO $1,079 $1,198 $1,130 $1,305 $3,648 $3,934 $997 $1,023
Liberty Mutual $1,594 $1,734 $1,286 $1,456 $5,641 $6,318 $1,695 $1,833
Nationwide $3,007 $3,156 $2,501 $2,629 $6,294 $9,680 $3,668 $4,319
Progressive $1,497 $1,429 $1,230 $1,276 $5,654 $6,378 $1,801 $1,954
State Farm $1,386 $1,386 $1,231 $1,231 $3,986 $5,019 $1,564 $1,802
USAA $1,254 $1,246 $1,142 $1,153 $3,263 $3,773 $1,619 $1,768

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Minimum Car Insurance in La Crosse, WI

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

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

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

Annual Car Insurance Rates by Credit Score in La Crosse, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,828 $3,319 $2,878
American Family $2,210 $1,463 $1,293
Farmers $4,091 $3,461 $3,309
GEICO $2,344 $1,676 $1,349
Liberty Mutual $3,876 $2,355 $1,853
Nationwide $4,953 $4,133 $4,133
Progressive $3,020 $2,559 $2,378
State Farm $3,283 $1,884 $1,434
USAA $2,922 $1,548 $1,237

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

Annual La Crosse, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,022 $4,126 $3,841 $3,710
American Family $1,582 $1,680 $1,680 $1,680
Farmers $3,156 $3,988 $3,770 $3,569
GEICO $1,233 $2,008 $2,324 $1,592
Liberty Mutual $2,054 $2,939 $3,038 $2,748
Nationwide $3,726 $4,310 $5,281 $4,310
Progressive $2,431 $2,939 $2,521 $2,719
State Farm $2,022 $2,379 $2,201 $2,201
USAA $1,488 $1,881 $2,542 $1,698

Cheapest La Crosse, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in La Crosse, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,937 $8,913
American Family $3,238 $3,563
Farmers $8,714 $9,024
GEICO $3,648 $3,934
Liberty Mutual $5,641 $6,318
Nationwide $6,294 $9,680
Progressive $5,654 $6,378
State Farm $3,986 $5,019
USAA $3,263 $3,773

Cheapest La Crosse, WI Car Insurance for Seniors

Take a look at La Crosse, 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 La Crosse, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,038 $2,257
American Family $957 $957
Farmers $1,616 $1,713
GEICO $1,130 $1,305
Liberty Mutual $1,286 $1,456
Nationwide $2,501 $2,629
Progressive $1,230 $1,276
State Farm $1,231 $1,231
USAA $1,142 $1,153

Cheapest La Crosse, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in La Crosse, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,841
American Family $1,680
Farmers $3,770
GEICO $2,324
Liberty Mutual $3,038
Nationwide $5,281
Progressive $2,521
State Farm $2,201
USAA $2,542

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Cheapest La Crosse, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in La Crosse, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,587 $3,763
American Family $1,626 $1,684
Farmers $3,621 $3,621
GEICO $1,756 $1,823
Liberty Mutual $2,695 $2,695
Nationwide $4,407 $4,407
Progressive $2,653 $2,653
State Farm $2,148 $2,253
USAA $1,878 $1,927

Cheapest La Crosse, WI Car Insurance Rates by ZIP Code

La Crosse car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in La Crosse, WI.

Annual Car Insurance Rates by ZIP Code in La Crosse, Wisconsin

ZIP Code Average Annual Rates
54601 $2,656
54603 $2,657

The Best Cheap Car Insurance Companies in La Crosse, WI

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

Average Annual Car Insurance Rates by Company in La Crosse, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,675
American Family $1,655
Farmers $3,621
GEICO $1,789
Liberty Mutual $2,695
Nationwide $4,407
Progressive $2,653
State Farm $2,201
USAA $1,902

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Category Winners: Cheapest Car Insurance in La Crosse, Wisconsin

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

Best Annual Car Insurance Rates by Company in La Crosse, 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 GEICO

Cheapest La Crosse, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Crosse, Wisconsin

Insurance Company Low Medium High
Allstate $3,511 $3,666 $3,848
American Family $1,633 $1,672 $1,661
Farmers $3,338 $3,593 $3,931
GEICO $1,670 $1,789 $1,909
Liberty Mutual $2,495 $2,717 $2,872
Nationwide $4,270 $4,405 $4,545
Progressive $2,505 $2,675 $2,777
State Farm $2,095 $2,206 $2,300
USAA $1,833 $1,904 $1,970

What affects car insurance rates in La Crosse, Wisconsin?

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

Car Theft in La Crosse

High levels of vehicle theft can make car insurance more expensive. La Crosse, WI car theft statistics from the FBI indicate 64 vehicle thefts a year.

Commute Time in La Crosse

The more time you spend in your car the higher the risk of an accident. The average commute length in La Crosse, WI is 15.8 minutes according to City-Data.

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Compare Car Insurance Quotes in La Crosse, WI

Ready to find affordable La Crosse, Wisconsin car insurance today? Enter your ZIP code for fast, free La Crosse, 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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