Cheap Quotes for Germantown, WI Car Insurance (2024)
Germantown, Wisconsin car insurance rates average $237 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Germantown, WI companies, you can find cheap Germantown car insurance quotes to fit your needs and budget.
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Germantown, WI after a DUI are $3,154/year
- The cheapest car insurance company in Germantown is American Family
- Germantown has an average commute time of 21.6 minutes
How do the Germantown, Wisconsin monthly average car insurance rates of $237/month compare to nearby cities like Janesville car insurance rates, Appleton car insurance rates, and Milwaukee car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Germantown, WI.
We’ll cover the Wisconsin minimum coverage requirements, Wisconsin car insurance laws, and Germantown, WI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Germantown, Wisconsin companies to find the most affordable Germantown car insurance rates.
Enter your ZIP code above to find cheap Germantown, WI car insurance quotes today.
What are the minimum Germantown, WI car insurance requirements?
To meet Wisconsin minimum car insurance coverage requirements, Germantown, WI drivers need to carry at least 25/50/10 coverage.
| 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 |
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Average Germantown, WI Car Insurance Rates by ZIP Code
Where you live is a major determinate of your car insurance rates. Even within Germantown, WI you can see that rates will vary by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 53022 | $2,775 |
| 53076 | $2,815 |
How do age, gender, and marital status affect Germantown, WI car insurance rates?
Three of the criteria that most affect car insurance rates in Germantown, Wisconsin are age, gender, and marital status. Let’s take a look at how each of these stack up with top Germantown car insurance companies.
| 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 | $2,171 | $2,272 | $2,026 | $2,231 | $7,591 | $9,730 | $2,176 | $2,354 |
| American Family | $917 | $955 | $886 | $888 | $3,041 | $3,330 | $1,097 | $1,165 |
| Farmers | $1,808 | $1,806 | $1,596 | $1,700 | $8,988 | $9,319 | $2,054 | $2,137 |
| Geico | $1,137 | $1,273 | $1,213 | $1,422 | $3,947 | $4,250 | $1,048 | $1,067 |
| Liberty Mutual | $1,817 | $1,975 | $1,461 | $1,657 | $6,847 | $7,676 | $1,927 | $2,075 |
| Nationwide | $2,960 | $3,104 | $2,474 | $2,598 | $6,304 | $9,723 | $3,620 | $4,240 |
| Progressive | $1,640 | $1,535 | $1,347 | $1,418 | $6,681 | $7,501 | $1,958 | $2,119 |
| State Farm | $1,381 | $1,381 | $1,251 | $1,251 | $4,259 | $5,354 | $1,565 | $1,797 |
| USAA | $1,199 | $1,188 | $1,098 | $1,104 | $3,164 | $3,641 | $1,543 | $1,678 |
How much do teen drivers pay for car insurance in Germantown, WI?
Germantown, Wisconsin car insurance rates for teens are often higher than rates for other drivers. Compare Germantown car insurance rates from multiple Germantown, Wisconsin car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,591 | $9,730 |
| American Family | $3,041 | $3,330 |
| Farmers | $8,988 | $9,319 |
| Geico | $3,947 | $4,250 |
| Liberty Mutual | $6,847 | $7,676 |
| Nationwide | $6,304 | $9,723 |
| Progressive | $6,681 | $7,501 |
| State Farm | $4,259 | $5,354 |
| USAA | $3,164 | $3,641 |
How much do senior drivers pay for car insurance in Germantown, WI?
With a little research, seniors can find affordable car insurance in Germantown, Wisconsin. Here’s a look at how the top Germantown car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,026 | $2,231 |
| American Family | $886 | $888 |
| Farmers | $1,596 | $1,700 |
| Geico | $1,213 | $1,422 |
| Liberty Mutual | $1,461 | $1,657 |
| Nationwide | $2,474 | $2,598 |
| Progressive | $1,347 | $1,418 |
| State Farm | $1,251 | $1,251 |
| USAA | $1,098 | $1,104 |
How does coverage level affect Germantown, WI car insurance rates?
How much coverage do you need? Are you comfortable with the Wisconsin minimum of 25/50/10 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Germantown, WI car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,645 | $3,809 | $4,002 |
| American Family | $1,507 | $1,550 | $1,548 |
| Farmers | $3,347 | $3,644 | $4,037 |
| Geico | $1,767 | $1,921 | $2,071 |
| Liberty Mutual | $2,891 | $3,207 | $3,440 |
| Nationwide | $4,221 | $4,378 | $4,536 |
| Progressive | $2,783 | $3,056 | $3,235 |
| State Farm | $2,126 | $2,290 | $2,424 |
| USAA | $1,751 | $1,829 | $1,901 |
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How does your driving record affect Germantown, WI car insurance rates?
Safe driving pays off. The more traffic violations you have in Germantown, WI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Germantown, Wisconsin companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,083 | $4,281 | $4,031 | $3,880 |
| American Family | $1,468 | $1,557 | $1,557 | $1,557 |
| Farmers | $3,197 | $4,055 | $3,837 | $3,613 |
| Geico | $1,308 | $2,155 | $2,535 | $1,681 |
| Liberty Mutual | $2,412 | $3,485 | $3,582 | $3,238 |
| Nationwide | $3,703 | $4,282 | $5,246 | $4,282 |
| Progressive | $2,760 | $3,378 | $2,876 | $3,085 |
| State Farm | $2,076 | $2,483 | $2,280 | $2,280 |
| USAA | $1,427 | $1,808 | $2,444 | $1,629 |
How does a DUI affect Germantown, WI car insurance rates?
With even one DUI on your record, you can see an increase in your Germantown, WI car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,031 |
| American Family | $1,557 |
| Farmers | $3,837 |
| Geico | $2,535 |
| Liberty Mutual | $3,582 |
| Nationwide | $5,246 |
| Progressive | $2,876 |
| State Farm | $2,280 |
| USAA | $2,444 |
How does your credit history affect Germantown, WI car insurance rates?
Take a look at the data here to see how your Germantown, Wisconsin car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,005 | $3,449 | $3,002 |
| American Family | $2,057 | $1,354 | $1,194 |
| Farmers | $4,142 | $3,521 | $3,364 |
| Geico | $2,517 | $1,797 | $1,445 |
| Liberty Mutual | $4,567 | $2,786 | $2,185 |
| Nationwide | $4,921 | $4,107 | $4,107 |
| Progressive | $3,407 | $2,930 | $2,737 |
| State Farm | $3,402 | $1,952 | $1,486 |
| USAA | $2,790 | $1,493 | $1,198 |
How does your commute affect Germantown, WI car insurance rates?
Germantown, WI car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Wisconsin can be seen here. Remember, though, that you may have to carry substantially more car insurance in Germantown if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,727 | $3,911 |
| American Family | $1,508 | $1,561 |
| Farmers | $3,676 | $3,676 |
| Geico | $1,885 | $1,954 |
| Liberty Mutual | $3,179 | $3,179 |
| Nationwide | $4,378 | $4,378 |
| Progressive | $3,025 | $3,025 |
| State Farm | $2,222 | $2,337 |
| USAA | $1,804 | $1,850 |
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Who has the cheapest Germantown, WI car insurance rates?
Here’s a breakdown of Germantown, Wisconsin car insurance rates by company. You can see which company offers the cheapest Germantown car insurance rates in each category.
| 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 |
What are the top Germantown, WI car insurance companies?
Which Germantown, Wisconsin car insurance company will best fit your needs and budget? Check out this comparison of the top Germantown companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,819 |
| American Family | $1,535 |
| Farmers | $3,676 |
| Geico | $1,920 |
| Liberty Mutual | $3,179 |
| Nationwide | $4,378 |
| Progressive | $3,025 |
| State Farm | $2,280 |
| USAA | $1,827 |
What factors affect Germantown, WI car insurance rates?
Why are Germantown, Wisconsin car insurance rates different than rates in Janesville or Appleton? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Germantown, WI?
FBI statistics show that the Germantown, Wisconsin car theft rate is 6 thefts each year. High theft rates can lead to higher than average Germantown, WI car insurance rates.
How long is the average commute in Germantown, WI?
More time spent behind the wheel can lead to higher Germantown, Wisconsin car insurance rates. In Germantown, WI, the average commute length is 21.6 minutes.
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Car Insurance Quotes for Germantown, WI
Shop for affordable Germantown, Wisconsin car insurance rates today. Enter your ZIP code to compare quotes from multiple Germantown, WI car insurance companies.
Compare quotes from the top car insurance companies and save
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Brad Larsen
Licensed Auto Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.