Cheap Quotes for Columbus, WI Car Insurance (2021)

Columbus, Wisconsin car insurance rates average $239 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Columbus, WI companies, you can find cheap Columbus car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • Average car insurance rates in Columbus, WI are $239/month
  • The cheapest car insurance company in Columbus is American Family
  • Average car insurance rates in Columbus, WI for senior drivers are $1,572/year

How do the Columbus, Wisconsin monthly average car insurance rates of $239/month compare to nearby cities like La Crosse car insurance rates, Madison car insurance rates, and Waukesha car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Columbus, WI.

We’ll cover the Wisconsin minimum coverage requirements, Wisconsin car insurance laws, and Columbus, WI statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Columbus, Wisconsin companies to find the most affordable Columbus car insurance rates.

Enter your ZIP code above to find cheap Columbus, WI car insurance quotes today.

What are the minimum Columbus, WI car insurance requirements?

To meet Wisconsin minimum car insurance coverage requirements, Columbus, WI drivers need to carry at least 25/50/10 coverage.

Minimum Required Car Insurance Coverage in Columbus, 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

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How do age, gender, and marital status affect Columbus, WI car insurance rates?

Three of the criteria that most affect car insurance rates in Columbus, Wisconsin are age, gender, and marital status. Let’s take a look at how each of these stack up with top Columbus car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Columbus, 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 $2,229 $2,346 $2,061 $2,273 $7,328 $9,361 $2,260 $2,457
American Family $904 $943 $863 $868 $2,758 $3,031 $1,070 $1,138
Farmers $1,842 $1,843 $1,630 $1,726 $8,799 $9,133 $2,094 $2,196
GEICO $1,189 $1,320 $1,243 $1,437 $4,009 $4,322 $1,098 $1,129
Liberty Mutual $1,894 $2,062 $1,521 $1,730 $7,065 $7,929 $2,009 $2,167
Nationwide $3,313 $3,481 $2,755 $2,899 $6,909 $10,623 $4,041 $4,768
Progressive $1,545 $1,460 $1,265 $1,326 $6,100 $6,866 $1,853 $2,017
State Farm $1,239 $1,239 $1,109 $1,109 $3,632 $4,583 $1,400 $1,600
USAA $1,358 $1,355 $1,231 $1,252 $3,470 $4,024 $1,763 $1,935

How much do teen drivers pay for car insurance in Columbus, WI?

Columbus, Wisconsin car insurance rates for teens are often higher than rates for other drivers. Compare Columbus car insurance rates from multiple Columbus, Wisconsin car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Columbus, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,328 $9,361
American Family $2,758 $3,031
Farmers $8,799 $9,133
GEICO $4,009 $4,322
Liberty Mutual $7,065 $7,929
Nationwide $6,909 $10,623
Progressive $6,100 $6,866
State Farm $3,632 $4,583
USAA $3,470 $4,024

How much do senior drivers pay for car insurance in Columbus, WI?

With a little research, seniors can find affordable car insurance in Columbus, Wisconsin. Here’s a look at how the top Columbus car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Columbus, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,061 $2,273
American Family $863 $868
Farmers $1,630 $1,726
GEICO $1,243 $1,437
Liberty Mutual $1,521 $1,730
Nationwide $2,755 $2,899
Progressive $1,265 $1,326
State Farm $1,109 $1,109
USAA $1,231 $1,252

How does coverage level affect Columbus, 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 Columbus, WI car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Columbus, Wisconsin

Insurance Company Low Medium High
Allstate $3,646 $3,781 $3,940
American Family $1,425 $1,460 $1,456
Farmers $3,369 $3,629 $3,976
GEICO $1,831 $1,968 $2,106
Liberty Mutual $3,003 $3,319 $3,570
Nationwide $4,690 $4,848 $5,008
Progressive $2,625 $2,828 $2,960
State Farm $1,868 $1,996 $2,103
USAA $1,974 $2,050 $2,122

How does your driving record affect Columbus, WI car insurance rates?

Safe driving pays off. The more traffic violations you have in Columbus, WI, the higher your car insurance rates will be. Compare rates based on driving infractions from top Columbus, Wisconsin companies.

Annual Columbus, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,085 $4,250 $3,979 $3,844
American Family $1,385 $1,468 $1,468 $1,468
Farmers $3,188 $4,026 $3,811 $3,607
GEICO $1,357 $2,208 $2,551 $1,757
Liberty Mutual $2,504 $3,611 $3,715 $3,359
Nationwide $4,100 $4,742 $5,811 $4,742
Progressive $2,563 $3,120 $2,665 $2,868
State Farm $1,823 $2,155 $1,989 $1,989
USAA $1,604 $2,022 $2,737 $1,830

How does a DUI affect Columbus, WI car insurance rates?

With even one DUI on your record, you can see an increase in your Columbus, WI car insurance rates.

Annual Car Insurance Rates After a DUI in Columbus, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,979
American Family $1,468
Farmers $3,811
GEICO $2,551
Liberty Mutual $3,715
Nationwide $5,811
Progressive $2,665
State Farm $1,989
USAA $2,737

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How does your credit history affect Columbus, WI car insurance rates?

Take a look at the data here to see how your Columbus, Wisconsin car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Columbus, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,970 $3,425 $2,972
American Family $1,941 $1,275 $1,125
Farmers $4,131 $3,498 $3,345
GEICO $2,581 $1,843 $1,481
Liberty Mutual $4,744 $2,885 $2,263
Nationwide $5,450 $4,548 $4,548
Progressive $3,175 $2,711 $2,526
State Farm $2,966 $1,703 $1,297
USAA $3,154 $1,663 $1,328

How does your commute affect Columbus, WI car insurance rates?

Columbus, 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 Columbus if you’re financing.

Annual Car Insurance Rates by Commute Length in Columbus, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,698 $3,880
American Family $1,422 $1,472
Farmers $3,658 $3,658
GEICO $1,930 $2,007
Liberty Mutual $3,297 $3,297
Nationwide $4,849 $4,849
Progressive $2,804 $2,804
State Farm $1,939 $2,039
USAA $2,022 $2,075

Who has the cheapest Columbus, WI car insurance rates?

Here’s a breakdown of Columbus, Wisconsin car insurance rates by company. You can see which company offers the cheapest Columbus car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Columbus, 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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What are the top Columbus, WI car insurance companies?

Which Columbus, Wisconsin car insurance company will best fit your needs and budget? Check out this comparison of the top Columbus companies to find the one for you.

Average Annual Car Insurance Rates by Company in Columbus, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,789
American Family $1,447
Farmers $3,658
GEICO $1,968
Liberty Mutual $3,297
Nationwide $4,849
Progressive $2,804
State Farm $1,989
USAA $2,048

What factors affect Columbus, WI car insurance rates?

Why are Columbus, Wisconsin car insurance rates different than rates in La Crosse or Madison? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Columbus, WI?

More time spent behind the wheel can lead to higher Columbus, Wisconsin car insurance rates. In Columbus, WI, the average commute length is 25.9 minutes.

What is the traffic like in Columbus, WI

Like commute length, time spent in traffic also increase risk of accidents. Columbus, WI is listed as 473rd in INRIX congested cities data.

Car Insurance Quotes for Columbus, WI

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