Cheap Quotes for Eau Claire, WI Car Insurance (2021)

Eau Claire, Wisconsin car insurance rates average $229 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Eau Claire, WI companies, you can find cheap Eau Claire 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

UPDATED: Aug 4, 2021

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Things to Know

  • Eau Claire has an average commute time of 16.2 minutes
  • Average car insurance rates in Eau Claire, WI are $229/month
  • The cheapest car insurance company in Eau Claire is American Family

How do the Eau Claire, Wisconsin monthly average car insurance rates of $229/month compare to nearby cities like Kenosha car insurance rates, Appleton car insurance rates, and La Crosse car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Eau Claire, WI.

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

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

What are the minimum Eau Claire, WI car insurance requirements?

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

Minimum Required Car Insurance Coverage in Eau Claire, 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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Average Eau Claire, WI Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Eau Claire, WI you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Eau Claire, Wisconsin

ZIP Code Average Annual Rates
54701 $2,708
54703 $2,652

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Eau Claire, 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 $2,080 $2,192 $1,922 $2,123 $6,666 $8,547 $2,113 $2,293
American Family $990 $1,034 $942 $947 $3,075 $3,388 $1,182 $1,260
Farmers $1,787 $1,787 $1,587 $1,680 $8,320 $8,602 $2,028 $2,127
GEICO $1,180 $1,317 $1,250 $1,459 $4,064 $4,378 $1,089 $1,112
Liberty Mutual $1,619 $1,764 $1,308 $1,483 $5,530 $6,195 $1,723 $1,868
Nationwide $3,384 $3,559 $2,808 $2,957 $6,993 $10,736 $4,123 $4,878
Progressive $1,474 $1,395 $1,209 $1,264 $5,779 $6,506 $1,770 $1,924
State Farm $1,272 $1,272 $1,136 $1,136 $3,707 $4,675 $1,436 $1,645
USAA $1,267 $1,266 $1,148 $1,170 $3,195 $3,708 $1,645 $1,808

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

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

Annual Car Insurance Rates for Teen Drivers in Eau Claire, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,666 $8,547
American Family $3,075 $3,388
Farmers $8,320 $8,602
GEICO $4,064 $4,378
Liberty Mutual $5,530 $6,195
Nationwide $6,993 $10,736
Progressive $5,779 $6,506
State Farm $3,707 $4,675
USAA $3,195 $3,708

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

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

Annual Car Insurance Rates for Senior Drivers in Eau Claire, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,922 $2,123
American Family $942 $947
Farmers $1,587 $1,680
GEICO $1,250 $1,459
Liberty Mutual $1,308 $1,483
Nationwide $2,808 $2,957
Progressive $1,209 $1,264
State Farm $1,136 $1,136
USAA $1,148 $1,170

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

Annual Car Insurance Rates by Coverage Level in Eau Claire, Wisconsin

Insurance Company Low Medium High
Allstate $3,338 $3,483 $3,655
American Family $1,580 $1,617 $1,609
Farmers $3,231 $3,462 $3,776
GEICO $1,830 $1,982 $2,131
Liberty Mutual $2,489 $2,710 $2,860
Nationwide $4,777 $4,926 $5,086
Progressive $2,499 $2,688 $2,808
State Farm $1,918 $2,041 $2,145
USAA $1,830 $1,902 $1,969

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

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

Annual Eau Claire, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,859 $3,918 $3,659 $3,532
American Family $1,532 $1,626 $1,626 $1,626
Farmers $3,044 $3,838 $3,632 $3,445
GEICO $1,354 $2,224 $2,601 $1,746
Liberty Mutual $2,052 $2,922 $3,030 $2,742
Nationwide $4,168 $4,821 $5,908 $4,821
Progressive $2,438 $2,963 $2,533 $2,727
State Farm $1,866 $2,203 $2,035 $2,035
USAA $1,492 $1,876 $2,535 $1,701

How does a DUI affect Eau Claire, WI car insurance rates?

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

Annual Car Insurance Rates After a DUI in Eau Claire, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,659
American Family $1,626
Farmers $3,632
GEICO $2,601
Liberty Mutual $3,030
Nationwide $5,908
Progressive $2,533
State Farm $2,035
USAA $2,535

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

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

Annual Car Insurance Rates by Credit Score in Eau Claire, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,580 $3,156 $2,739
American Family $2,144 $1,414 $1,249
Farmers $3,953 $3,331 $3,185
GEICO $2,598 $1,855 $1,491
Liberty Mutual $3,872 $2,342 $1,845
Nationwide $5,542 $4,624 $4,624
Progressive $3,020 $2,576 $2,399
State Farm $3,035 $1,743 $1,327
USAA $2,926 $1,543 $1,233

How does your commute affect Eau Claire, WI car insurance rates?

Eau Claire, 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 Eau Claire if you’re financing.

Annual Car Insurance Rates by Commute Length in Eau Claire, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,408 $3,575
American Family $1,575 $1,630
Farmers $3,490 $3,490
GEICO $1,944 $2,018
Liberty Mutual $2,686 $2,686
Nationwide $4,930 $4,930
Progressive $2,665 $2,665
State Farm $1,985 $2,085
USAA $1,876 $1,925

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Who has the cheapest Eau Claire, WI car insurance rates?

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

Best Annual Car Insurance Rates by Company in Eau Claire, 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

What are the top Eau Claire, WI car insurance companies?

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

Average Annual Car Insurance Rates by Company in Eau Claire, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,492
American Family $1,602
Farmers $3,490
GEICO $1,981
Liberty Mutual $2,686
Nationwide $4,930
Progressive $2,665
State Farm $2,035
USAA $1,901

What factors affect Eau Claire, WI car insurance rates?

Why are Eau Claire, Wisconsin car insurance rates different than rates in Kenosha 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 Eau Claire, WI?

FBI statistics show that the Eau Claire, Wisconsin car theft rate is 64 thefts each year. High theft rates can lead to higher than average Eau Claire, WI car insurance rates.

How long is the average commute in Eau Claire, WI?

More time spent behind the wheel can lead to higher Eau Claire, Wisconsin car insurance rates. In Eau Claire, WI, the average commute length is 16.2 minutes.

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Car Insurance Quotes for Eau Claire, WI

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