Compare Stoughton, WI Car Insurance Rates (2021)

Car insurance in Stoughton, WI averages $227 a month. Stoughton, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Stoughton car insurance rates, compare quotes from the top car insurance companies in Stoughton, 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 Stoughton, WI are $2,720/year
  • The cheapest car insurance company in Stoughton for teen drivers is American Family
  • Average car insurance rates in Stoughton, WI after a DUI are $3,018/year

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

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

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

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

How do age, gender, and marital status affect Stoughton, WI car insurance rates? Every Stoughton, 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 Stoughton, 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 $2,196 $2,312 $2,032 $2,247 $7,202 $9,254 $2,222 $2,409
American Family $880 $916 $849 $850 $2,822 $3,089 $1,049 $1,113
Farmers $1,816 $1,813 $1,605 $1,704 $8,866 $9,192 $2,067 $2,158
GEICO $1,062 $1,181 $1,120 $1,300 $3,663 $3,948 $982 $1,002
Liberty Mutual $1,541 $1,673 $1,243 $1,404 $5,632 $6,300 $1,638 $1,766
Nationwide $3,025 $3,168 $2,529 $2,654 $6,489 $10,021 $3,703 $4,327
Progressive $1,523 $1,435 $1,251 $1,309 $6,093 $6,849 $1,828 $1,987
State Farm $1,190 $1,190 $1,071 $1,071 $3,579 $4,502 $1,346 $1,547
USAA $1,319 $1,310 $1,202 $1,213 $3,442 $3,977 $1,704 $1,860

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Minimum Car Insurance in Stoughton, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Stoughton, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,900 $3,373 $2,930
American Family $1,937 $1,275 $1,126
Farmers $4,117 $3,498 $3,343
GEICO $2,334 $1,669 $1,343
Liberty Mutual $3,804 $2,321 $1,824
Nationwide $5,047 $4,211 $4,211
Progressive $3,146 $2,694 $2,513
State Farm $2,889 $1,659 $1,264
USAA $3,078 $1,630 $1,302

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

Annual Stoughton, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,048 $4,191 $3,919 $3,778
American Family $1,384 $1,467 $1,467 $1,467
Farmers $3,180 $4,028 $3,808 $3,595
GEICO $1,219 $2,002 $2,341 $1,567
Liberty Mutual $2,014 $2,898 $2,986 $2,701
Nationwide $3,796 $4,391 $5,380 $4,391
Progressive $2,544 $3,102 $2,646 $2,845
State Farm $1,770 $2,105 $1,937 $1,937
USAA $1,566 $1,981 $2,677 $1,789

Cheapest Stoughton, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Stoughton, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,202 $9,254
American Family $2,822 $3,089
Farmers $8,866 $9,192
GEICO $3,663 $3,948
Liberty Mutual $5,632 $6,300
Nationwide $6,489 $10,021
Progressive $6,093 $6,849
State Farm $3,579 $4,502
USAA $3,442 $3,977

Cheapest Stoughton, WI Car Insurance for Seniors

Take a look at Stoughton, 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 Stoughton, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,032 $2,247
American Family $849 $850
Farmers $1,605 $1,704
GEICO $1,120 $1,300
Liberty Mutual $1,243 $1,404
Nationwide $2,529 $2,654
Progressive $1,251 $1,309
State Farm $1,071 $1,071
USAA $1,202 $1,213

Cheapest Stoughton, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Stoughton, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,919
American Family $1,467
Farmers $3,808
GEICO $2,341
Liberty Mutual $2,986
Nationwide $5,380
Progressive $2,646
State Farm $1,937
USAA $2,677

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Cheapest Stoughton, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Stoughton, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,644 $3,824
American Family $1,421 $1,471
Farmers $3,653 $3,653
GEICO $1,751 $1,813
Liberty Mutual $2,650 $2,650
Nationwide $4,489 $4,489
Progressive $2,785 $2,785
State Farm $1,889 $1,985
USAA $1,978 $2,029

The Best Cheap Car Insurance Companies in Stoughton, WI

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

Average Annual Car Insurance Rates by Company in Stoughton, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,734
American Family $1,446
Farmers $3,653
GEICO $1,782
Liberty Mutual $2,650
Nationwide $4,489
Progressive $2,785
State Farm $1,937
USAA $2,003

Category Winners: Cheapest Car Insurance in Stoughton, Wisconsin

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

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

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

Annual Car Insurance Rates by Coverage Level in Stoughton, Wisconsin

Insurance Company Low Medium High
Allstate $3,563 $3,725 $3,915
American Family $1,422 $1,460 $1,455
Farmers $3,349 $3,626 $3,982
GEICO $1,661 $1,787 $1,898
Liberty Mutual $2,437 $2,678 $2,835
Nationwide $4,335 $4,489 $4,644
Progressive $2,601 $2,812 $2,941
State Farm $1,818 $1,944 $2,050
USAA $1,930 $2,006 $2,075

What affects car insurance rates in Stoughton, Wisconsin?

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

Car Theft in Stoughton

High levels of vehicle theft can make car insurance more expensive. Stoughton, WI car theft statistics from the FBI indicate 6 vehicle thefts a year.

Commute Time in Stoughton

The more time you spend in your car the higher the risk of an accident. The average commute length in Stoughton, WI is 25.7 minutes according to City-Data.

Compare Car Insurance Quotes in Stoughton, WI

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

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Average Monthly Car Insurance Rates by State