Compare Watertown, WI Car Insurance Rates (2021)

Car insurance in Watertown, WI averages $227 a month. Watertown, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Watertown car insurance rates, compare quotes from the top car insurance companies in Watertown, 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 Watertown for teen drivers is American Family
  • The cheapest car insurance company in Watertown is American Family
  • The cheapest ZIP code in Watertown is 53094

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

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

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

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

How do age, gender, and marital status affect Watertown, WI car insurance rates? Every Watertown, 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 Watertown, 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 $2,162 $2,277 $1,999 $2,204 $7,065 $9,021 $2,194 $2,386
American Family $871 $906 $841 $843 $2,799 $3,063 $1,036 $1,099
Farmers $1,792 $1,792 $1,585 $1,685 $8,717 $9,034 $2,036 $2,126
GEICO $1,134 $1,254 $1,186 $1,368 $3,789 $4,077 $1,048 $1,074
Liberty Mutual $1,625 $1,768 $1,310 $1,486 $5,937 $6,655 $1,723 $1,859
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,533 $1,443 $1,255 $1,321 $6,105 $6,865 $1,831 $1,984
State Farm $1,172 $1,172 $1,051 $1,051 $3,448 $4,349 $1,324 $1,513
USAA $1,211 $1,205 $1,102 $1,117 $3,110 $3,595 $1,565 $1,712

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Minimum Car Insurance in Watertown, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Watertown, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,804 $3,312 $2,874
American Family $1,921 $1,262 $1,113
Farmers $4,060 $3,440 $3,288
GEICO $2,446 $1,747 $1,405
Liberty Mutual $4,021 $2,445 $1,920
Nationwide $5,182 $4,324 $4,324
Progressive $3,156 $2,702 $2,519
State Farm $2,811 $1,614 $1,230
USAA $2,802 $1,488 $1,191

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

Annual Watertown, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,985 $4,108 $3,845 $3,716
American Family $1,371 $1,453 $1,453 $1,453
Farmers $3,131 $3,962 $3,750 $3,540
GEICO $1,290 $2,092 $2,412 $1,670
Liberty Mutual $2,125 $3,057 $3,150 $2,849
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,551 $3,110 $2,655 $2,853
State Farm $1,727 $2,043 $1,885 $1,885
USAA $1,431 $1,805 $2,438 $1,633

Cheapest Watertown, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Watertown, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,065 $9,021
American Family $2,799 $3,063
Farmers $8,717 $9,034
GEICO $3,789 $4,077
Liberty Mutual $5,937 $6,655
Nationwide $6,584 $10,130
Progressive $6,105 $6,865
State Farm $3,448 $4,349
USAA $3,110 $3,595

Cheapest Watertown, WI Car Insurance for Seniors

Take a look at Watertown, 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 Watertown, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,999 $2,204
American Family $841 $843
Farmers $1,585 $1,685
GEICO $1,186 $1,368
Liberty Mutual $1,310 $1,486
Nationwide $2,616 $2,751
Progressive $1,255 $1,321
State Farm $1,051 $1,051
USAA $1,102 $1,117

Cheapest Watertown, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Watertown, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,845
American Family $1,453
Farmers $3,750
GEICO $2,412
Liberty Mutual $3,150
Nationwide $5,525
Progressive $2,655
State Farm $1,885
USAA $2,438

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Cheapest Watertown, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Watertown, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,576 $3,751
American Family $1,408 $1,457
Farmers $3,596 $3,596
GEICO $1,829 $1,903
Liberty Mutual $2,795 $2,795
Nationwide $4,610 $4,610
Progressive $2,792 $2,792
State Farm $1,838 $1,932
USAA $1,803 $1,851

Cheapest Watertown, WI Car Insurance Rates by ZIP Code

Watertown car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Watertown, WI.

Annual Car Insurance Rates by ZIP Code in Watertown, Wisconsin

ZIP Code Average Annual Rates
53094 $2,642
53098 $2,687

The Best Cheap Car Insurance Companies in Watertown, WI

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

Average Annual Car Insurance Rates by Company in Watertown, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,664
American Family $1,432
Farmers $3,596
GEICO $1,866
Liberty Mutual $2,795
Nationwide $4,610
Progressive $2,792
State Farm $1,885
USAA $1,827

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Category Winners: Cheapest Car Insurance in Watertown, Wisconsin

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

Best Annual Car Insurance Rates by Company in Watertown, 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

Cheapest Watertown, WI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Watertown, Wisconsin

Insurance Company Low Medium High
Allstate $3,524 $3,655 $3,811
American Family $1,407 $1,446 $1,444
Farmers $3,293 $3,565 $3,930
GEICO $1,732 $1,866 $2,001
Liberty Mutual $2,542 $2,821 $3,024
Nationwide $4,459 $4,608 $4,763
Progressive $2,585 $2,817 $2,974
State Farm $1,769 $1,892 $1,995
USAA $1,755 $1,829 $1,897

What affects car insurance rates in Watertown, Wisconsin?

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

Car Theft in Watertown

High levels of vehicle theft can make car insurance more expensive. Watertown, WI car theft statistics from the FBI indicate 5 vehicle thefts a year.

Commute Time in Watertown

The more time you spend in your car the higher the risk of an accident. The average commute length in Watertown, WI is 23.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Watertown, WI

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

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Average Monthly Car Insurance Rates by State