Compare Oshkosh, WI Car Insurance Rates (2021)

Car insurance in Oshkosh, WI averages $217 a month. Oshkosh, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Oshkosh car insurance rates, compare quotes from the top car insurance companies in Oshkosh, 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 Oshkosh, WI after a DUI are $2,891/year
  • Average car insurance rates in Oshkosh, WI are $2,610/year
  • The cheapest ZIP code in Oshkosh is 54904

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

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

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

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

How do age, gender, and marital status affect Oshkosh, WI car insurance rates? Every Oshkosh, 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 Oshkosh, 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 $2,160 $2,262 $2,016 $2,226 $7,443 $9,600 $2,164 $2,335
American Family $843 $876 $813 $816 $2,669 $2,919 $998 $1,058
Farmers $1,683 $1,681 $1,488 $1,582 $8,189 $8,480 $1,911 $1,994
GEICO $960 $1,074 $1,031 $1,217 $3,292 $3,533 $885 $895
Liberty Mutual $1,599 $1,746 $1,293 $1,472 $5,452 $6,122 $1,697 $1,836
Nationwide $2,917 $3,061 $2,442 $2,565 $6,243 $9,641 $3,573 $4,181
Progressive $1,418 $1,332 $1,166 $1,223 $5,708 $6,411 $1,696 $1,834
State Farm $1,253 $1,253 $1,131 $1,131 $3,809 $4,792 $1,418 $1,627
USAA $1,135 $1,127 $1,041 $1,049 $2,959 $3,402 $1,461 $1,592

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Minimum Car Insurance in Oshkosh, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Oshkosh, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,955 $3,406 $2,966
American Family $1,845 $1,210 $1,068
Farmers $3,811 $3,230 $3,087
GEICO $2,106 $1,509 $1,216
Liberty Mutual $3,823 $2,312 $1,822
Nationwide $4,865 $4,060 $4,060
Progressive $2,931 $2,516 $2,348
State Farm $3,060 $1,757 $1,338
USAA $2,620 $1,409 $1,133

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

Annual Oshkosh, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,064 $4,237 $3,979 $3,823
American Family $1,316 $1,394 $1,394 $1,394
Farmers $2,939 $3,721 $3,520 $3,323
GEICO $1,102 $1,803 $2,127 $1,411
Liberty Mutual $2,028 $2,885 $2,989 $2,706
Nationwide $3,660 $4,233 $5,186 $4,233
Progressive $2,374 $2,897 $2,471 $2,652
State Farm $1,872 $2,232 $2,052 $2,052
USAA $1,346 $1,702 $2,298 $1,537

Cheapest Oshkosh, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oshkosh, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,443 $9,600
American Family $2,669 $2,919
Farmers $8,189 $8,480
GEICO $3,292 $3,533
Liberty Mutual $5,452 $6,122
Nationwide $6,243 $9,641
Progressive $5,708 $6,411
State Farm $3,809 $4,792
USAA $2,959 $3,402

Cheapest Oshkosh, WI Car Insurance for Seniors

Take a look at Oshkosh, 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 Oshkosh, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,016 $2,226
American Family $813 $816
Farmers $1,488 $1,582
GEICO $1,031 $1,217
Liberty Mutual $1,293 $1,472
Nationwide $2,442 $2,565
Progressive $1,166 $1,223
State Farm $1,131 $1,131
USAA $1,041 $1,049

Cheapest Oshkosh, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oshkosh, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,979
American Family $1,394
Farmers $3,520
GEICO $2,127
Liberty Mutual $2,989
Nationwide $5,186
Progressive $2,471
State Farm $2,052
USAA $2,298

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Cheapest Oshkosh, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oshkosh, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,685 $3,866
American Family $1,351 $1,397
Farmers $3,376 $3,376
GEICO $1,581 $1,641
Liberty Mutual $2,652 $2,652
Nationwide $4,328 $4,328
Progressive $2,598 $2,598
State Farm $2,000 $2,103
USAA $1,699 $1,743

Cheapest Oshkosh, WI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Oshkosh, Wisconsin

ZIP Code Average Annual Rates
54901 $2,566
54902 $2,555
54904 $2,541

The Best Cheap Car Insurance Companies in Oshkosh, WI

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

Average Annual Car Insurance Rates by Company in Oshkosh, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,776
American Family $1,374
Farmers $3,376
GEICO $1,611
Liberty Mutual $2,652
Nationwide $4,328
Progressive $2,598
State Farm $2,052
USAA $1,721

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Category Winners: Cheapest Car Insurance in Oshkosh, Wisconsin

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

Best Annual Car Insurance Rates by Company in Oshkosh, 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

Cheapest Oshkosh, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oshkosh, Wisconsin

Insurance Company Low Medium High
Allstate $3,567 $3,764 $3,996
American Family $1,350 $1,387 $1,385
Farmers $3,092 $3,348 $3,688
GEICO $1,463 $1,610 $1,759
Liberty Mutual $2,417 $2,677 $2,862
Nationwide $4,169 $4,327 $4,487
Progressive $2,403 $2,626 $2,766
State Farm $1,918 $2,060 $2,177
USAA $1,643 $1,722 $1,797

What affects car insurance rates in Oshkosh, Wisconsin?

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

Car Theft in Oshkosh

High levels of vehicle theft can make car insurance more expensive. Oshkosh, WI car theft statistics from the FBI indicate 68 vehicle thefts a year.

Commute Time in Oshkosh

The more time you spend in your car the higher the risk of an accident. The average commute length in Oshkosh, WI is 17.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Oshkosh, WI

Ready to find affordable Oshkosh, Wisconsin car insurance today? Enter your ZIP code for fast, free Oshkosh, 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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Average Monthly Car Insurance Rates by State