Compare Whitewater, WI Car Insurance Rates (2021)

Car insurance in Whitewater, WI averages $232 a month. Whitewater, Wisconsin car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap Whitewater car insurance rates, compare quotes from the top car insurance companies in Whitewater, 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 Whitewater is American Family
  • Average car insurance rates in Whitewater, WI are $2,785/year
  • Average car insurance rates in Whitewater, WI after a DUI are $3,090/year

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

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

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

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

How do age, gender, and marital status affect Whitewater, WI car insurance rates? Every Whitewater, 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 Whitewater, 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 $2,068 $2,175 $1,914 $2,108 $6,758 $8,620 $2,098 $2,281
American Family $923 $963 $886 $889 $2,926 $3,212 $1,099 $1,169
Farmers $1,878 $1,875 $1,661 $1,766 $9,126 $9,449 $2,131 $2,220
GEICO $1,155 $1,282 $1,209 $1,397 $3,902 $4,206 $1,067 $1,095
Liberty Mutual $1,894 $2,062 $1,521 $1,730 $7,065 $7,929 $2,009 $2,167
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,487 $1,399 $1,221 $1,280 $5,976 $6,717 $1,782 $1,936
State Farm $1,192 $1,192 $1,066 $1,066 $3,491 $4,401 $1,346 $1,542
USAA $1,216 $1,210 $1,107 $1,121 $3,123 $3,611 $1,572 $1,719

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Minimum Car Insurance in Whitewater, WI

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

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

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

Annual Car Insurance Rates by Credit Score in Whitewater, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,592 $3,168 $2,749
American Family $2,021 $1,330 $1,174
Farmers $4,246 $3,601 $3,442
GEICO $2,509 $1,792 $1,441
Liberty Mutual $4,744 $2,885 $2,263
Nationwide $5,182 $4,324 $4,324
Progressive $3,076 $2,637 $2,461
State Farm $2,851 $1,637 $1,247
USAA $2,815 $1,494 $1,196

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

Annual Whitewater, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,853 $3,926 $3,678 $3,555
American Family $1,443 $1,530 $1,530 $1,530
Farmers $3,275 $4,147 $3,927 $3,703
GEICO $1,318 $2,148 $2,485 $1,705
Liberty Mutual $2,504 $3,611 $3,715 $3,359
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,489 $3,037 $2,590 $2,783
State Farm $1,752 $2,071 $1,912 $1,912
USAA $1,437 $1,813 $2,449 $1,640

Cheapest Whitewater, WI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Whitewater, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,758 $8,620
American Family $2,926 $3,212
Farmers $9,126 $9,449
GEICO $3,902 $4,206
Liberty Mutual $7,065 $7,929
Nationwide $6,584 $10,130
Progressive $5,976 $6,717
State Farm $3,491 $4,401
USAA $3,123 $3,611

Cheapest Whitewater, WI Car Insurance for Seniors

Take a look at Whitewater, 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 Whitewater, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,914 $2,108
American Family $886 $889
Farmers $1,661 $1,766
GEICO $1,209 $1,397
Liberty Mutual $1,521 $1,730
Nationwide $2,616 $2,751
Progressive $1,221 $1,280
State Farm $1,066 $1,066
USAA $1,107 $1,121

Cheapest Whitewater, WI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Whitewater, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,678
American Family $1,530
Farmers $3,927
GEICO $2,485
Liberty Mutual $3,715
Nationwide $5,525
Progressive $2,590
State Farm $1,912
USAA $2,449

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Cheapest Whitewater, WI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Whitewater, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,419 $3,587
American Family $1,482 $1,534
Farmers $3,763 $3,763
GEICO $1,877 $1,951
Liberty Mutual $3,297 $3,297
Nationwide $4,610 $4,610
Progressive $2,725 $2,725
State Farm $1,865 $1,959
USAA $1,811 $1,859

The Best Cheap Car Insurance Companies in Whitewater, WI

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

Average Annual Car Insurance Rates by Company in Whitewater, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,503
American Family $1,508
Farmers $3,763
GEICO $1,914
Liberty Mutual $3,297
Nationwide $4,610
Progressive $2,725
State Farm $1,912
USAA $1,835

Category Winners: Cheapest Car Insurance in Whitewater, Wisconsin

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

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

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

Annual Car Insurance Rates by Coverage Level in Whitewater, Wisconsin

Insurance Company Low Medium High
Allstate $3,368 $3,495 $3,646
American Family $1,484 $1,523 $1,519
Farmers $3,445 $3,733 $4,111
GEICO $1,783 $1,914 $2,046
Liberty Mutual $3,003 $3,319 $3,570
Nationwide $4,459 $4,608 $4,763
Progressive $2,537 $2,751 $2,886
State Farm $1,800 $1,918 $2,017
USAA $1,764 $1,837 $1,904

What affects car insurance rates in Whitewater, Wisconsin?

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

Car Theft in Whitewater

High levels of vehicle theft can make car insurance more expensive. Whitewater, WI car theft statistics from the FBI indicate 10 vehicle thefts a year.

Commute Time in Whitewater

The more time you spend in your car the higher the risk of an accident. The average commute length in Whitewater, WI is 16.6 minutes according to City-Data.

Compare Car Insurance Quotes in Whitewater, WI

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

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Average Monthly Car Insurance Rates by State