Compare Waterloo, WI Car Insurance Rates (2021)

Car insurance in Waterloo, WI averages $223 a month. Waterloo, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Waterloo car insurance rates, compare quotes from the top car insurance companies in Waterloo, 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 Waterloo, WI after a DUI are $2,968/year
  • The cheapest car insurance company in Waterloo for teen drivers is American Family
  • The cheapest car insurance company in Waterloo is American Family

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

You’ll find Waterloo car insurance rates, the cheapest Waterloo, WI car insurance companies, and information on Wisconsin car insurance laws. You can also compare Waterloo, Wisconsin car insurance rates to Eau Claire car insurance rates, Madison car insurance rates, and Waukesha car insurance rates.

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

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

How do age, gender, and marital status affect Waterloo, WI car insurance rates? Every Waterloo, 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 Waterloo, 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 $2,094 $2,204 $1,936 $2,133 $6,799 $8,677 $2,126 $2,312
American Family $907 $946 $867 $871 $2,801 $3,078 $1,076 $1,144
Farmers $1,735 $1,735 $1,534 $1,628 $8,471 $8,788 $1,976 $2,067
GEICO $1,129 $1,248 $1,180 $1,360 $3,771 $4,058 $1,044 $1,070
Liberty Mutual $1,587 $1,729 $1,281 $1,454 $5,627 $6,311 $1,685 $1,821
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,551 $1,462 $1,269 $1,335 $6,133 $6,900 $1,852 $2,007
State Farm $1,133 $1,133 $1,013 $1,013 $3,312 $4,175 $1,279 $1,466
USAA $1,210 $1,204 $1,102 $1,116 $3,112 $3,595 $1,563 $1,709

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Minimum Car Insurance in Waterloo, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Waterloo, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,635 $3,197 $2,774
American Family $1,960 $1,287 $1,136
Farmers $3,939 $3,342 $3,195
GEICO $2,434 $1,740 $1,399
Liberty Mutual $3,867 $2,347 $1,846
Nationwide $5,182 $4,324 $4,324
Progressive $3,183 $2,722 $2,536
State Farm $2,707 $1,555 $1,185
USAA $2,800 $1,488 $1,191

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

Annual Waterloo, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,882 $3,963 $3,710 $3,585
American Family $1,398 $1,482 $1,482 $1,482
Farmers $3,042 $3,849 $3,638 $3,438
GEICO $1,285 $2,083 $2,400 $1,663
Liberty Mutual $2,048 $2,931 $3,028 $2,740
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,571 $3,132 $2,675 $2,876
State Farm $1,665 $1,967 $1,816 $1,816
USAA $1,430 $1,805 $2,437 $1,633

Cheapest Waterloo, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waterloo, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,799 $8,677
American Family $2,801 $3,078
Farmers $8,471 $8,788
GEICO $3,771 $4,058
Liberty Mutual $5,627 $6,311
Nationwide $6,584 $10,130
Progressive $6,133 $6,900
State Farm $3,312 $4,175
USAA $3,112 $3,595

Cheapest Waterloo, WI Car Insurance for Seniors

Take a look at Waterloo, 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 Waterloo, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $2,133
American Family $867 $871
Farmers $1,534 $1,628
GEICO $1,180 $1,360
Liberty Mutual $1,281 $1,454
Nationwide $2,616 $2,751
Progressive $1,269 $1,335
State Farm $1,013 $1,013
USAA $1,102 $1,116

Cheapest Waterloo, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waterloo, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,710
American Family $1,482
Farmers $3,638
GEICO $2,400
Liberty Mutual $3,028
Nationwide $5,525
Progressive $2,675
State Farm $1,816
USAA $2,437

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Cheapest Waterloo, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waterloo, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,451 $3,620
American Family $1,436 $1,486
Farmers $3,492 $3,492
GEICO $1,821 $1,894
Liberty Mutual $2,687 $2,687
Nationwide $4,610 $4,610
Progressive $2,814 $2,814
State Farm $1,771 $1,860
USAA $1,803 $1,850

The Best Cheap Car Insurance Companies in Waterloo, WI

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

Average Annual Car Insurance Rates by Company in Waterloo, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,535
American Family $1,461
Farmers $3,492
GEICO $1,858
Liberty Mutual $2,687
Nationwide $4,610
Progressive $2,814
State Farm $1,816
USAA $1,826

Category Winners: Cheapest Car Insurance in Waterloo, Wisconsin

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

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

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

Annual Car Insurance Rates by Coverage Level in Waterloo, Wisconsin

Insurance Company Low Medium High
Allstate $3,399 $3,527 $3,679
American Family $1,439 $1,475 $1,470
Farmers $3,203 $3,463 $3,809
GEICO $1,727 $1,857 $1,989
Liberty Mutual $2,460 $2,710 $2,891
Nationwide $4,459 $4,608 $4,763
Progressive $2,608 $2,838 $2,995
State Farm $1,710 $1,821 $1,915
USAA $1,754 $1,828 $1,896

What affects car insurance rates in Waterloo, Wisconsin?

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

Car Theft in Waterloo

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

Commute Time in Waterloo

The more time you spend in your car the higher the risk of an accident. The average commute length in Waterloo, WI is 25.3 minutes according to City-Data.

Compare Car Insurance Quotes in Waterloo, WI

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

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Average Monthly Car Insurance Rates by State