Compare Saint Cloud, WI Car Insurance Rates (2021)

Car insurance in Saint Cloud, WI averages $227 a month. Saint Cloud, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Saint Cloud car insurance rates, compare quotes from the top car insurance companies in Saint Cloud, 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 Saint Cloud for teen drivers is American Family
  • Average car insurance rates in Saint Cloud, WI are $2,718/year
  • Average car insurance rates in Saint Cloud, WI after a DUI are $3,012/year

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

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

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

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

How do age, gender, and marital status affect Saint Cloud, WI car insurance rates? Every Saint Cloud, 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 Saint Cloud, 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 $2,020 $2,124 $1,872 $2,063 $6,583 $8,421 $2,045 $2,217
American Family $901 $940 $856 $863 $2,678 $2,947 $1,063 $1,131
Farmers $1,770 $1,768 $1,566 $1,663 $8,570 $8,876 $2,012 $2,101
GEICO $1,165 $1,291 $1,222 $1,417 $3,903 $4,198 $1,076 $1,102
Liberty Mutual $1,866 $2,028 $1,501 $1,698 $6,794 $7,602 $1,987 $2,150
Nationwide $3,029 $3,179 $2,524 $2,653 $6,370 $9,805 $3,697 $4,348
Progressive $1,582 $1,496 $1,298 $1,357 $6,172 $6,948 $1,895 $2,051
State Farm $1,176 $1,176 $1,057 $1,057 $3,509 $4,419 $1,329 $1,524
USAA $1,156 $1,148 $1,058 $1,067 $3,009 $3,465 $1,489 $1,623

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Minimum Car Insurance in Saint Cloud, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Saint Cloud, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,480 $3,090 $2,685
American Family $1,909 $1,252 $1,106
Farmers $3,997 $3,387 $3,238
GEICO $2,519 $1,799 $1,447
Liberty Mutual $4,612 $2,801 $2,197
Nationwide $5,002 $4,175 $4,175
Progressive $3,229 $2,755 $2,565
State Farm $2,842 $1,632 $1,243
USAA $2,675 $1,432 $1,149

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

Annual Saint Cloud, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,790 $3,831 $3,588 $3,464
American Family $1,362 $1,443 $1,443 $1,443
Farmers $3,083 $3,902 $3,691 $3,487
GEICO $1,327 $2,153 $2,489 $1,717
Liberty Mutual $2,432 $3,501 $3,613 $3,267
Nationwide $3,764 $4,353 $5,333 $4,353
Progressive $2,607 $3,169 $2,709 $2,915
State Farm $1,743 $2,069 $1,906 $1,906
USAA $1,371 $1,733 $2,339 $1,565

Cheapest Saint Cloud, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Saint Cloud, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,583 $8,421
American Family $2,678 $2,947
Farmers $8,570 $8,876
GEICO $3,903 $4,198
Liberty Mutual $6,794 $7,602
Nationwide $6,370 $9,805
Progressive $6,172 $6,948
State Farm $3,509 $4,419
USAA $3,009 $3,465

Cheapest Saint Cloud, WI Car Insurance for Seniors

Take a look at Saint Cloud, 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 Saint Cloud, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,872 $2,063
American Family $856 $863
Farmers $1,566 $1,663
GEICO $1,222 $1,417
Liberty Mutual $1,501 $1,698
Nationwide $2,524 $2,653
Progressive $1,298 $1,357
State Farm $1,057 $1,057
USAA $1,058 $1,067

Cheapest Saint Cloud, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Saint Cloud, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,588
American Family $1,443
Farmers $3,691
GEICO $2,489
Liberty Mutual $3,613
Nationwide $5,333
Progressive $2,709
State Farm $1,906
USAA $2,339

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Cheapest Saint Cloud, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Saint Cloud, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,337 $3,500
American Family $1,399 $1,446
Farmers $3,541 $3,541
GEICO $1,883 $1,960
Liberty Mutual $3,203 $3,203
Nationwide $4,451 $4,451
Progressive $2,850 $2,850
State Farm $1,858 $1,953
USAA $1,729 $1,774

The Best Cheap Car Insurance Companies in Saint Cloud, WI

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

Average Annual Car Insurance Rates by Company in Saint Cloud, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,418
American Family $1,422
Farmers $3,541
GEICO $1,922
Liberty Mutual $3,203
Nationwide $4,451
Progressive $2,850
State Farm $1,906
USAA $1,752

Category Winners: Cheapest Car Insurance in Saint Cloud, Wisconsin

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

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

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

Annual Car Insurance Rates by Coverage Level in Saint Cloud, Wisconsin

Insurance Company Low Medium High
Allstate $3,276 $3,410 $3,569
American Family $1,402 $1,435 $1,430
Farmers $3,250 $3,513 $3,860
GEICO $1,774 $1,921 $2,070
Liberty Mutual $2,969 $3,229 $3,412
Nationwide $4,305 $4,450 $4,597
Progressive $2,656 $2,876 $3,017
State Farm $1,788 $1,913 $2,017
USAA $1,678 $1,754 $1,824

Compare Car Insurance Quotes in Saint Cloud, WI

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Average Monthly Car Insurance Rates by State