Compare Spencer, WI Car Insurance Rates (2021)

Car insurance in Spencer, WI averages $237 a month. Spencer, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Spencer car insurance rates, compare quotes from the top car insurance companies in Spencer, 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 Spencer, WI are $2,840/year
  • The cheapest car insurance company in Spencer is American Family
  • The cheapest car insurance company in Spencer for teen drivers is American Family

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

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

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

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

How do age, gender, and marital status affect Spencer, WI car insurance rates? Every Spencer, 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 Spencer, 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 $2,135 $2,247 $1,976 $2,181 $6,954 $8,907 $2,166 $2,352
American Family $963 $1,008 $901 $911 $2,666 $2,948 $1,132 $1,206
Farmers $1,744 $1,743 $1,550 $1,637 $8,013 $8,286 $1,983 $2,087
GEICO $1,375 $1,502 $1,392 $1,565 $4,431 $4,781 $1,276 $1,328
Liberty Mutual $1,918 $2,104 $1,555 $1,774 $5,914 $6,647 $2,042 $2,225
Nationwide $3,563 $3,759 $2,940 $3,104 $7,150 $10,928 $4,325 $5,169
Progressive $1,557 $1,488 $1,275 $1,327 $5,825 $6,578 $1,869 $2,026
State Farm $1,277 $1,277 $1,123 $1,123 $3,448 $4,383 $1,435 $1,626
USAA $1,366 $1,367 $1,232 $1,260 $3,423 $3,984 $1,779 $1,959

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Minimum Car Insurance in Spencer, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Spencer, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,745 $3,266 $2,833
American Family $1,964 $1,294 $1,143
Farmers $3,829 $3,226 $3,086
GEICO $2,897 $2,065 $1,657
Liberty Mutual $4,379 $2,618 $2,070
Nationwide $5,753 $4,799 $4,799
Progressive $3,128 $2,646 $2,456
State Farm $2,925 $1,680 $1,279
USAA $3,162 $1,657 $1,320

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

Annual Spencer, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,949 $4,055 $3,794 $3,661
American Family $1,404 $1,488 $1,488 $1,488
Farmers $2,951 $3,717 $3,513 $3,341
GEICO $1,548 $2,475 $2,771 $2,030
Liberty Mutual $2,326 $3,260 $3,411 $3,091
Nationwide $4,326 $5,004 $6,134 $5,004
Progressive $2,514 $3,037 $2,608 $2,814
State Farm $1,816 $2,107 $1,961 $1,961
USAA $1,607 $2,018 $2,730 $1,831

Cheapest Spencer, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spencer, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,954 $8,907
American Family $2,666 $2,948
Farmers $8,013 $8,286
GEICO $4,431 $4,781
Liberty Mutual $5,914 $6,647
Nationwide $7,150 $10,928
Progressive $5,825 $6,578
State Farm $3,448 $4,383
USAA $3,423 $3,984

Cheapest Spencer, WI Car Insurance for Seniors

Take a look at Spencer, 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 Spencer, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,976 $2,181
American Family $901 $911
Farmers $1,550 $1,637
GEICO $1,392 $1,565
Liberty Mutual $1,555 $1,774
Nationwide $2,940 $3,104
Progressive $1,275 $1,327
State Farm $1,123 $1,123
USAA $1,232 $1,260

Cheapest Spencer, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spencer, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,794
American Family $1,488
Farmers $3,513
GEICO $2,771
Liberty Mutual $3,411
Nationwide $6,134
Progressive $2,608
State Farm $1,961
USAA $2,730

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Cheapest Spencer, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spencer, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,528 $3,701
American Family $1,442 $1,491
Farmers $3,380 $3,380
GEICO $2,158 $2,254
Liberty Mutual $3,022 $3,022
Nationwide $5,117 $5,117
Progressive $2,743 $2,743
State Farm $1,913 $2,010
USAA $2,020 $2,073

The Best Cheap Car Insurance Companies in Spencer, WI

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

Average Annual Car Insurance Rates by Company in Spencer, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,615
American Family $1,467
Farmers $3,380
GEICO $2,206
Liberty Mutual $3,022
Nationwide $5,117
Progressive $2,743
State Farm $1,961
USAA $2,046

Category Winners: Cheapest Car Insurance in Spencer, Wisconsin

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

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

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

Annual Car Insurance Rates by Coverage Level in Spencer, Wisconsin

Insurance Company Low Medium High
Allstate $3,452 $3,606 $3,786
American Family $1,452 $1,480 $1,469
Farmers $3,149 $3,358 $3,634
GEICO $2,094 $2,205 $2,319
Liberty Mutual $2,800 $3,050 $3,216
Nationwide $4,977 $5,116 $5,259
Progressive $2,584 $2,764 $2,882
State Farm $1,862 $1,967 $2,056
USAA $1,976 $2,048 $2,115

What affects car insurance rates in Spencer, Wisconsin?

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

Car Theft in Spencer

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

Commute Time in Spencer

The more time you spend in your car the higher the risk of an accident. The average commute length in Spencer, WI is 19.2 minutes according to City-Data.

Compare Car Insurance Quotes in Spencer, WI

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

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Average Monthly Car Insurance Rates by State