Cheap Quotes for Jefferson, WI Car Insurance (2021)

Jefferson, Wisconsin car insurance rates average $222 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Jefferson, WI companies, you can find cheap Jefferson 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 Jefferson, WI are $222/month
  • Jefferson has an average commute time of 22.6 minutes
  • The cheapest car insurance company in Jefferson is American Family

How do the Jefferson, Wisconsin monthly average car insurance rates of $222/month compare to nearby cities like La Crosse car insurance rates, Milwaukee car insurance rates, and Green Bay car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Jefferson, WI.

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

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

What are the minimum Jefferson, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jefferson, 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 $2,066 $2,173 $1,912 $2,107 $6,765 $8,631 $2,096 $2,278
American Family $875 $911 $839 $843 $2,719 $2,980 $1,035 $1,098
Farmers $1,806 $1,806 $1,598 $1,698 $8,791 $9,110 $2,054 $2,146
GEICO $1,129 $1,248 $1,180 $1,360 $3,771 $4,058 $1,044 $1,070
Liberty Mutual $1,587 $1,729 $1,281 $1,454 $5,627 $6,311 $1,685 $1,821
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,443 $1,360 $1,183 $1,242 $5,745 $6,460 $1,726 $1,871
State Farm $1,105 $1,105 $989 $989 $3,253 $4,097 $1,248 $1,431
USAA $1,216 $1,210 $1,107 $1,121 $3,123 $3,611 $1,572 $1,719

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

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

Annual Car Insurance Rates for Teen Drivers in Jefferson, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,765 $8,631
American Family $2,719 $2,980
Farmers $8,791 $9,110
GEICO $3,771 $4,058
Liberty Mutual $5,627 $6,311
Nationwide $6,584 $10,130
Progressive $5,745 $6,460
State Farm $3,253 $4,097
USAA $3,123 $3,611

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

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

Annual Car Insurance Rates for Senior Drivers in Jefferson, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,912 $2,107
American Family $839 $843
Farmers $1,598 $1,698
GEICO $1,180 $1,360
Liberty Mutual $1,281 $1,454
Nationwide $2,616 $2,751
Progressive $1,183 $1,242
State Farm $989 $989
USAA $1,107 $1,121

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

Annual Car Insurance Rates by Coverage Level in Jefferson, Wisconsin

Insurance Company Low Medium High
Allstate $3,368 $3,496 $3,647
American Family $1,389 $1,426 $1,423
Farmers $3,323 $3,595 $3,961
GEICO $1,727 $1,857 $1,989
Liberty Mutual $2,460 $2,710 $2,891
Nationwide $4,459 $4,608 $4,763
Progressive $2,440 $2,653 $2,794
State Farm $1,673 $1,782 $1,876
USAA $1,764 $1,837 $1,904

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

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

Annual Jefferson, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,852 $3,927 $3,680 $3,555
American Family $1,352 $1,433 $1,433 $1,433
Farmers $3,158 $3,997 $3,780 $3,570
GEICO $1,285 $2,083 $2,400 $1,663
Liberty Mutual $2,048 $2,931 $3,028 $2,740
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,402 $2,928 $2,499 $2,686
State Farm $1,628 $1,926 $1,777 $1,777
USAA $1,437 $1,813 $2,449 $1,640

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

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

Annual Car Insurance Rates After a DUI in Jefferson, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,680
American Family $1,433
Farmers $3,780
GEICO $2,400
Liberty Mutual $3,028
Nationwide $5,525
Progressive $2,499
State Farm $1,777
USAA $2,449

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

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

Annual Car Insurance Rates by Credit Score in Jefferson, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,591 $3,169 $2,750
American Family $1,895 $1,244 $1,098
Farmers $4,094 $3,469 $3,316
GEICO $2,434 $1,740 $1,399
Liberty Mutual $3,867 $2,347 $1,846
Nationwide $5,182 $4,324 $4,324
Progressive $2,971 $2,544 $2,372
State Farm $2,649 $1,522 $1,160
USAA $2,815 $1,494 $1,196

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

Jefferson, 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 Jefferson if you’re financing.

Annual Car Insurance Rates by Commute Length in Jefferson, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,420 $3,587
American Family $1,389 $1,437
Farmers $3,626 $3,626
GEICO $1,821 $1,894
Liberty Mutual $2,687 $2,687
Nationwide $4,610 $4,610
Progressive $2,629 $2,629
State Farm $1,733 $1,821
USAA $1,811 $1,859

Who has the cheapest Jefferson, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Jefferson, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,504
American Family $1,413
Farmers $3,626
GEICO $1,858
Liberty Mutual $2,687
Nationwide $4,610
Progressive $2,629
State Farm $1,777
USAA $1,835

What factors affect Jefferson, WI car insurance rates?

Why are Jefferson, Wisconsin car insurance rates different than rates in La Crosse 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 Jefferson, WI?

FBI statistics show that the Jefferson, Wisconsin car theft rate is 5 thefts each year. High theft rates can lead to higher than average Jefferson, WI car insurance rates.

How long is the average commute in Jefferson, WI?

More time spent behind the wheel can lead to higher Jefferson, Wisconsin car insurance rates. In Jefferson, WI, the average commute length is 22.6 minutes.

Car Insurance Quotes for Jefferson, WI

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