Compare Ladysmith, WI Car Insurance Rates (2021)

Car insurance in Ladysmith, WI averages $257 a month. Ladysmith, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Ladysmith car insurance rates, compare quotes from the top car insurance companies in Ladysmith, 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 Ladysmith, WI are $3,085/year
  • The cheapest car insurance company in Ladysmith for teen drivers is American Family
  • The cheapest car insurance company in Ladysmith is American Family

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

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

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

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

How do age, gender, and marital status affect Ladysmith, WI car insurance rates? Every Ladysmith, 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 Ladysmith, 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 $2,316 $2,450 $2,128 $2,358 $7,219 $9,269 $2,365 $2,573
American Family $985 $1,033 $919 $932 $2,717 $3,004 $1,154 $1,230
Farmers $2,069 $2,080 $1,841 $1,937 $9,295 $9,663 $2,339 $2,466
GEICO $1,445 $1,583 $1,472 $1,670 $4,697 $5,064 $1,339 $1,389
Liberty Mutual $1,918 $2,104 $1,555 $1,774 $5,914 $6,647 $2,042 $2,225
Nationwide $4,008 $4,234 $3,296 $3,485 $7,912 $12,057 $4,855 $5,831
Progressive $1,789 $1,729 $1,462 $1,511 $6,390 $7,246 $2,159 $2,353
State Farm $1,437 $1,437 $1,259 $1,259 $3,821 $4,865 $1,614 $1,827
USAA $1,429 $1,432 $1,286 $1,318 $3,565 $4,157 $1,864 $2,056

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Minimum Car Insurance in Ladysmith, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Ladysmith, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,040 $3,464 $3,000
American Family $2,005 $1,320 $1,166
Farmers $4,491 $3,777 $3,616
GEICO $3,065 $2,183 $1,750
Liberty Mutual $4,379 $2,618 $2,070
Nationwide $6,419 $5,355 $5,355
Progressive $3,536 $2,963 $2,741
State Farm $3,267 $1,875 $1,427
USAA $3,310 $1,729 $1,376

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

Annual Ladysmith, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,154 $4,307 $4,006 $3,872
American Family $1,432 $1,518 $1,518 $1,518
Farmers $3,455 $4,338 $4,130 $3,922
GEICO $1,630 $2,616 $2,949 $2,136
Liberty Mutual $2,326 $3,260 $3,411 $3,091
Nationwide $4,827 $5,584 $6,844 $5,584
Progressive $2,829 $3,394 $2,925 $3,171
State Farm $2,032 $2,348 $2,190 $2,190
USAA $1,679 $2,107 $2,854 $1,913

Cheapest Ladysmith, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ladysmith, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,219 $9,269
American Family $2,717 $3,004
Farmers $9,295 $9,663
GEICO $4,697 $5,064
Liberty Mutual $5,914 $6,647
Nationwide $7,912 $12,057
Progressive $6,390 $7,246
State Farm $3,821 $4,865
USAA $3,565 $4,157

Cheapest Ladysmith, WI Car Insurance for Seniors

Take a look at Ladysmith, 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 Ladysmith, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,128 $2,358
American Family $919 $932
Farmers $1,841 $1,937
GEICO $1,472 $1,670
Liberty Mutual $1,555 $1,774
Nationwide $3,296 $3,485
Progressive $1,462 $1,511
State Farm $1,259 $1,259
USAA $1,286 $1,318

Cheapest Ladysmith, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ladysmith, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,006
American Family $1,518
Farmers $4,130
GEICO $2,949
Liberty Mutual $3,411
Nationwide $6,844
Progressive $2,925
State Farm $2,190
USAA $2,854

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Cheapest Ladysmith, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ladysmith, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,742 $3,927
American Family $1,472 $1,522
Farmers $3,961 $3,961
GEICO $2,281 $2,384
Liberty Mutual $3,022 $3,022
Nationwide $5,710 $5,710
Progressive $3,080 $3,080
State Farm $2,136 $2,244
USAA $2,110 $2,166

The Best Cheap Car Insurance Companies in Ladysmith, WI

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

Average Annual Car Insurance Rates by Company in Ladysmith, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,835
American Family $1,497
Farmers $3,961
GEICO $2,333
Liberty Mutual $3,022
Nationwide $5,710
Progressive $3,080
State Farm $2,190
USAA $2,138

Category Winners: Cheapest Car Insurance in Ladysmith, Wisconsin

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

Best Annual Car Insurance Rates by Company in Ladysmith, 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 Ladysmith, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ladysmith, Wisconsin

Insurance Company Low Medium High
Allstate $3,673 $3,826 $4,006
American Family $1,480 $1,510 $1,501
Farmers $3,682 $3,931 $4,271
GEICO $2,196 $2,331 $2,470
Liberty Mutual $2,800 $3,050 $3,216
Nationwide $5,565 $5,709 $5,854
Progressive $2,960 $3,096 $3,183
State Farm $2,084 $2,195 $2,290
USAA $2,067 $2,140 $2,208

What affects car insurance rates in Ladysmith, Wisconsin?

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

Car Theft in Ladysmith

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

Commute Time in Ladysmith

The more time you spend in your car the higher the risk of an accident. The average commute length in Ladysmith, WI is 14.8 minutes according to City-Data.

Compare Car Insurance Quotes in Ladysmith, WI

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

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Average Monthly Car Insurance Rates by State