Compare Spooner, WI Car Insurance Rates (2021)

Car insurance in Spooner, WI averages $271 a month. Spooner, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Spooner car insurance rates, compare quotes from the top car insurance companies in Spooner, 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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Spooner for teen drivers is American Family
  • Average car insurance rates in Spooner, WI are $3,258/year
  • Average car insurance rates in Spooner, WI after a DUI are $3,610/year

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

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

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

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

How do age, gender, and marital status affect Spooner, WI car insurance rates? Every Spooner, 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 Spooner, 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 $2,361 $2,499 $2,168 $2,402 $7,358 $9,441 $2,414 $2,627
American Family $1,038 $1,090 $965 $978 $2,848 $3,157 $1,220 $1,303
Farmers $2,184 $2,192 $1,942 $2,044 $9,877 $10,259 $2,477 $2,613
GEICO $1,445 $1,583 $1,472 $1,670 $4,697 $5,064 $1,339 $1,389
Liberty Mutual $2,256 $2,483 $1,830 $2,094 $6,610 $7,444 $2,404 $2,628
Nationwide $4,174 $4,411 $3,433 $3,630 $8,237 $12,554 $5,058 $6,077
Progressive $1,996 $1,929 $1,634 $1,688 $7,012 $7,954 $2,398 $2,589
State Farm $1,549 $1,549 $1,355 $1,355 $4,111 $5,228 $1,740 $1,975
USAA $1,426 $1,429 $1,283 $1,315 $3,556 $4,148 $1,860 $2,053

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Minimum Car Insurance in Spooner, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Spooner, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,139 $3,531 $3,057
American Family $2,107 $1,390 $1,228
Farmers $4,757 $4,005 $3,833
GEICO $3,065 $2,183 $1,750
Liberty Mutual $5,043 $2,993 $2,370
Nationwide $6,686 $5,577 $5,577
Progressive $3,909 $3,270 $3,022
State Farm $3,518 $2,018 $1,536
USAA $3,303 $1,725 $1,373

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

Annual Spooner, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,213 $4,391 $4,083 $3,948
American Family $1,506 $1,598 $1,598 $1,598
Farmers $3,664 $4,604 $4,371 $4,156
GEICO $1,630 $2,616 $2,949 $2,136
Liberty Mutual $2,679 $3,726 $3,918 $3,552
Nationwide $5,027 $5,816 $7,129 $5,816
Progressive $3,125 $3,744 $3,233 $3,499
State Farm $2,188 $2,527 $2,358 $2,358
USAA $1,675 $2,103 $2,849 $1,908

Cheapest Spooner, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Spooner, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,358 $9,441
American Family $2,848 $3,157
Farmers $9,877 $10,259
GEICO $4,697 $5,064
Liberty Mutual $6,610 $7,444
Nationwide $8,237 $12,554
Progressive $7,012 $7,954
State Farm $4,111 $5,228
USAA $3,556 $4,148

Cheapest Spooner, WI Car Insurance for Seniors

Take a look at Spooner, 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 Spooner, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,168 $2,402
American Family $965 $978
Farmers $1,942 $2,044
GEICO $1,472 $1,670
Liberty Mutual $1,830 $2,094
Nationwide $3,433 $3,630
Progressive $1,634 $1,688
State Farm $1,355 $1,355
USAA $1,283 $1,315

Cheapest Spooner, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Spooner, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,083
American Family $1,598
Farmers $4,371
GEICO $2,949
Liberty Mutual $3,918
Nationwide $7,129
Progressive $3,233
State Farm $2,358
USAA $2,849

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Cheapest Spooner, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Spooner, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,815 $4,003
American Family $1,548 $1,602
Farmers $4,199 $4,199
GEICO $2,281 $2,384
Liberty Mutual $3,469 $3,469
Nationwide $5,947 $5,947
Progressive $3,400 $3,400
State Farm $2,301 $2,415
USAA $2,106 $2,162

The Best Cheap Car Insurance Companies in Spooner, WI

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

Average Annual Car Insurance Rates by Company in Spooner, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,909
American Family $1,575
Farmers $4,199
GEICO $2,333
Liberty Mutual $3,469
Nationwide $5,947
Progressive $3,400
State Farm $2,358
USAA $2,134

Category Winners: Cheapest Car Insurance in Spooner, Wisconsin

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

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

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

Annual Car Insurance Rates by Coverage Level in Spooner, Wisconsin

Insurance Company Low Medium High
Allstate $3,747 $3,900 $4,080
American Family $1,560 $1,589 $1,576
Farmers $3,910 $4,169 $4,516
GEICO $2,196 $2,331 $2,470
Liberty Mutual $3,234 $3,494 $3,678
Nationwide $5,795 $5,943 $6,102
Progressive $3,225 $3,422 $3,553
State Farm $2,252 $2,363 $2,457
USAA $2,063 $2,135 $2,203

What affects car insurance rates in Spooner, Wisconsin?

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

Car Theft in Spooner

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

Commute Time in Spooner

The more time you spend in your car the higher the risk of an accident. The average commute length in Spooner, WI is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in Spooner, WI

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

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Average Monthly Car Insurance Rates by State