Cheap Quotes for Janesville, WI Car Insurance (2021)

Janesville, Wisconsin car insurance rates average $227 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Janesville, WI companies, you can find cheap Janesville 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

  • Janesville has an average commute time of 21.2 minutes
  • The cheapest car insurance company in Janesville is American Family
  • Average car insurance rates in Janesville, WI after a DUI are $3,030/year

How do the Janesville, Wisconsin monthly average car insurance rates of $227/month compare to nearby cities like Madison car insurance rates, Milwaukee car insurance rates, and Kenosha car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Janesville, WI.

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

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

What are the minimum Janesville, WI car insurance requirements?

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

Minimum Required Car Insurance Coverage in Janesville, 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 Janesville, WI Car Insurance Rates by ZIP Code

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

Annual Car Insurance Rates by ZIP Code in Janesville, Wisconsin

ZIP Code Average Annual Rates
53545 $2,673
53546 $2,676
53548 $2,688

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Janesville, 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 $2,141 $2,248 $1,988 $2,190 $7,178 $9,181 $2,164 $2,349
American Family $887 $923 $857 $858 $2,880 $3,154 $1,059 $1,125
Farmers $1,820 $1,817 $1,609 $1,710 $8,871 $9,189 $2,069 $2,158
GEICO $1,133 $1,269 $1,206 $1,415 $3,920 $4,223 $1,045 $1,066
Liberty Mutual $1,440 $1,566 $1,164 $1,318 $5,151 $5,770 $1,528 $1,649
Nationwide $3,167 $3,318 $2,642 $2,774 $6,740 $10,393 $3,871 $4,534
Progressive $1,509 $1,416 $1,240 $1,301 $6,128 $6,882 $1,808 $1,963
State Farm $1,229 $1,229 $1,111 $1,111 $3,773 $4,740 $1,392 $1,602
USAA $1,258 $1,250 $1,146 $1,158 $3,263 $3,770 $1,625 $1,775

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

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

Annual Car Insurance Rates for Teen Drivers in Janesville, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,178 $9,181
American Family $2,880 $3,154
Farmers $8,871 $9,189
GEICO $3,920 $4,223
Liberty Mutual $5,151 $5,770
Nationwide $6,740 $10,393
Progressive $6,128 $6,882
State Farm $3,773 $4,740
USAA $3,263 $3,770

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

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

Annual Car Insurance Rates for Senior Drivers in Janesville, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,988 $2,190
American Family $857 $858
Farmers $1,609 $1,710
GEICO $1,206 $1,415
Liberty Mutual $1,164 $1,318
Nationwide $2,642 $2,774
Progressive $1,240 $1,301
State Farm $1,111 $1,111
USAA $1,146 $1,158

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

Annual Car Insurance Rates by Coverage Level in Janesville, Wisconsin

Insurance Company Low Medium High
Allstate $3,519 $3,671 $3,850
American Family $1,443 $1,482 $1,478
Farmers $3,350 $3,628 $3,988
GEICO $1,755 $1,910 $2,064
Liberty Mutual $2,229 $2,476 $2,641
Nationwide $4,522 $4,681 $4,836
Progressive $2,583 $2,809 $2,951
State Farm $1,892 $2,031 $2,146
USAA $1,831 $1,907 $1,978

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

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

Annual Janesville, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,986 $4,127 $3,872 $3,734
American Family $1,405 $1,489 $1,489 $1,489
Farmers $3,182 $4,030 $3,812 $3,597
GEICO $1,304 $2,142 $2,516 $1,677
Liberty Mutual $1,865 $2,674 $2,759 $2,497
Nationwide $3,957 $4,577 $5,608 $4,577
Progressive $2,539 $3,103 $2,643 $2,838
State Farm $1,844 $2,203 $2,023 $2,023
USAA $1,491 $1,884 $2,547 $1,701

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

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

Annual Car Insurance Rates After a DUI in Janesville, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,872
American Family $1,489
Farmers $3,812
GEICO $2,516
Liberty Mutual $2,759
Nationwide $5,608
Progressive $2,643
State Farm $2,023
USAA $2,547

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

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

Annual Car Insurance Rates by Credit Score in Janesville, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,827 $3,326 $2,887
American Family $1,967 $1,294 $1,142
Farmers $4,122 $3,499 $3,345
GEICO $2,503 $1,788 $1,438
Liberty Mutual $3,520 $2,141 $1,684
Nationwide $5,260 $4,389 $4,389
Progressive $3,135 $2,693 $2,515
State Farm $3,018 $1,733 $1,319
USAA $2,922 $1,553 $1,243

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

Janesville, 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 Janesville if you’re financing.

Annual Car Insurance Rates by Commute Length in Janesville, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,591 $3,768
American Family $1,443 $1,493
Farmers $3,655 $3,655
GEICO $1,874 $1,945
Liberty Mutual $2,449 $2,449
Nationwide $4,680 $4,680
Progressive $2,781 $2,781
State Farm $1,973 $2,074
USAA $1,881 $1,930

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Who has the cheapest Janesville, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Janesville, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,680
American Family $1,468
Farmers $3,655
GEICO $1,910
Liberty Mutual $2,449
Nationwide $4,680
Progressive $2,781
State Farm $2,023
USAA $1,906

What factors affect Janesville, WI car insurance rates?

Why are Janesville, Wisconsin car insurance rates different than rates in Madison or Milwaukee? 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 Janesville, WI?

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

How long is the average commute in Janesville, WI?

More time spent behind the wheel can lead to higher Janesville, Wisconsin car insurance rates. In Janesville, WI, the average commute length is 21.2 minutes.

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Car Insurance Quotes for Janesville, WI

Shop for affordable Janesville, Wisconsin car insurance rates today. Enter your ZIP code to compare quotes from multiple Janesville, WI car insurance companies.

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