Cheap Quotes for Germantown, WI Car Insurance (2021)

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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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 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.

Minimum Required Car Insurance Coverage in Germantown, 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 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.

Annual Car Insurance Rates by ZIP Code in Germantown, Wisconsin

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Germantown, 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 $2,171 $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.

Annual Car Insurance Rates for Teen Drivers in Germantown, Wisconsin

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.

Annual Car Insurance Rates for Senior Drivers in Germantown, Wisconsin

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.

Annual Car Insurance Rates by Coverage Level in Germantown, Wisconsin

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.

Annual Germantown, Wisconsin Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Germantown, Wisconsin

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.

Annual Car Insurance Rates by Credit Score in Germantown, Wisconsin

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.

Annual Car Insurance Rates by Commute Length in Germantown, Wisconsin

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.

Best Annual Car Insurance Rates by Company in Germantown, 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 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.

Average Annual Car Insurance Rates by Company in Germantown, Wisconsin

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.

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