Cheap Quotes for Houlton, WI Car Insurance (2021)

Houlton, Wisconsin car insurance rates average $250 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Houlton, WI companies, you can find cheap Houlton 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

  • Average car insurance rates in Houlton, WI are $250/month
  • Average car insurance rates in Houlton, WI after a DUI are $3,334/year
  • Average car insurance rates in Houlton, WI for senior drivers are $1,675/year

How do the Houlton, Wisconsin monthly average car insurance rates of $250/month compare to nearby cities like Kenosha car insurance rates, Waukesha 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 Houlton, WI.

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

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

What are the minimum Houlton, WI car insurance requirements?

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

Minimum Required Car Insurance Coverage in Houlton, 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 Houlton, WI car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Houlton, 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 $2,253 $2,383 $2,072 $2,295 $7,041 $9,039 $2,300 $2,501
American Family $1,034 $1,083 $976 $984 $3,113 $3,438 $1,229 $1,312
Farmers $1,868 $1,873 $1,657 $1,753 $8,731 $9,067 $2,112 $2,211
GEICO $1,309 $1,448 $1,357 $1,560 $4,372 $4,713 $1,211 $1,249
Liberty Mutual $1,810 $1,980 $1,466 $1,668 $5,864 $6,583 $1,926 $2,091
Nationwide $3,926 $4,140 $3,245 $3,424 $7,939 $12,151 $4,772 $5,691
Progressive $1,648 $1,562 $1,353 $1,412 $6,434 $7,246 $1,981 $2,153
State Farm $1,291 $1,291 $1,151 $1,151 $3,701 $4,682 $1,457 $1,659
USAA $1,441 $1,442 $1,302 $1,330 $3,635 $4,224 $1,878 $2,068

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

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

Annual Car Insurance Rates for Teen Drivers in Houlton, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,041 $9,039
American Family $3,113 $3,438
Farmers $8,731 $9,067
GEICO $4,372 $4,713
Liberty Mutual $5,864 $6,583
Nationwide $7,939 $12,151
Progressive $6,434 $7,246
State Farm $3,701 $4,682
USAA $3,635 $4,224

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

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

Annual Car Insurance Rates for Senior Drivers in Houlton, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,072 $2,295
American Family $976 $984
Farmers $1,657 $1,753
GEICO $1,357 $1,560
Liberty Mutual $1,466 $1,668
Nationwide $3,245 $3,424
Progressive $1,353 $1,412
State Farm $1,151 $1,151
USAA $1,302 $1,330

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

Annual Car Insurance Rates by Coverage Level in Houlton, Wisconsin

Insurance Company Low Medium High
Allstate $3,575 $3,726 $3,905
American Family $1,625 $1,661 $1,653
Farmers $3,368 $3,630 $3,980
GEICO $2,010 $2,152 $2,295
Liberty Mutual $2,702 $2,952 $3,116
Nationwide $5,492 $5,659 $5,832
Progressive $2,793 $3,001 $3,127
State Farm $1,927 $2,055 $2,162
USAA $2,088 $2,167 $2,240

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

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

Annual Houlton, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,071 $4,195 $3,903 $3,772
American Family $1,574 $1,670 $1,670 $1,670
Farmers $3,186 $4,018 $3,820 $3,612
GEICO $1,489 $2,415 $2,769 $1,937
Liberty Mutual $2,243 $3,167 $3,298 $2,987
Nationwide $4,786 $5,536 $6,786 $5,536
Progressive $2,720 $3,306 $2,826 $3,043
State Farm $1,882 $2,213 $2,048 $2,048
USAA $1,698 $2,135 $2,890 $1,937

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

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

Annual Car Insurance Rates After a DUI in Houlton, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,903
American Family $1,670
Farmers $3,820
GEICO $2,769
Liberty Mutual $3,298
Nationwide $6,786
Progressive $2,826
State Farm $2,048
USAA $2,890

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

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

Annual Car Insurance Rates by Credit Score in Houlton, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,908 $3,375 $2,924
American Family $2,202 $1,453 $1,283
Farmers $4,138 $3,495 $3,344
GEICO $2,826 $2,015 $1,617
Liberty Mutual $4,222 $2,542 $2,007
Nationwide $6,365 $5,309 $5,309
Progressive $3,371 $2,874 $2,676
State Farm $3,054 $1,754 $1,335
USAA $3,342 $1,754 $1,398

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

Houlton, 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 Houlton if you’re financing.

Annual Car Insurance Rates by Commute Length in Houlton, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,646 $3,825
American Family $1,618 $1,675
Farmers $3,659 $3,659
GEICO $2,108 $2,196
Liberty Mutual $2,924 $2,924
Nationwide $5,661 $5,661
Progressive $2,974 $2,974
State Farm $1,997 $2,099
USAA $2,137 $2,193

Who has the cheapest Houlton, WI car insurance rates?

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

Best Annual Car Insurance Rates by Company in Houlton, 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 Houlton, WI car insurance companies?

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

Average Annual Car Insurance Rates by Company in Houlton, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,735
American Family $1,646
Farmers $3,659
GEICO $2,152
Liberty Mutual $2,924
Nationwide $5,661
Progressive $2,974
State Farm $2,048
USAA $2,165

Car Insurance Quotes for Houlton, WI

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