Cheap Quotes for La Crosse, WI Car Insurance (2021)

La Crosse, Wisconsin car insurance rates average $228 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple La Crosse, WI companies, you can find cheap La Crosse 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 La Crosse, WI are $228/month
  • Average car insurance rates in La Crosse, WI for senior drivers are $1,506/year
  • Average car insurance rates in La Crosse, WI after a DUI are $3,022/year

How do the La Crosse, Wisconsin monthly average car insurance rates of $228/month compare to nearby cities like Oshkosh car insurance rates, Kenosha 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 La Crosse, WI.

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

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

What are the minimum La Crosse, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by ZIP Code in La Crosse, Wisconsin

ZIP Code Average Annual Rates
54601 $2,656
54603 $2,657

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in La Crosse, 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 $2,213 $2,338 $2,038 $2,257 $6,937 $8,913 $2,255 $2,448
American Family $998 $1,042 $957 $957 $3,238 $3,563 $1,203 $1,283
Farmers $1,825 $1,823 $1,616 $1,713 $8,714 $9,024 $2,076 $2,174
GEICO $1,079 $1,198 $1,130 $1,305 $3,648 $3,934 $997 $1,023
Liberty Mutual $1,594 $1,734 $1,286 $1,456 $5,641 $6,318 $1,695 $1,833
Nationwide $3,007 $3,156 $2,501 $2,629 $6,294 $9,680 $3,668 $4,319
Progressive $1,497 $1,429 $1,230 $1,276 $5,654 $6,378 $1,801 $1,954
State Farm $1,386 $1,386 $1,231 $1,231 $3,986 $5,019 $1,564 $1,802
USAA $1,254 $1,246 $1,142 $1,153 $3,263 $3,773 $1,619 $1,768

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

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

Annual Car Insurance Rates for Teen Drivers in La Crosse, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,937 $8,913
American Family $3,238 $3,563
Farmers $8,714 $9,024
GEICO $3,648 $3,934
Liberty Mutual $5,641 $6,318
Nationwide $6,294 $9,680
Progressive $5,654 $6,378
State Farm $3,986 $5,019
USAA $3,263 $3,773

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

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

Annual Car Insurance Rates for Senior Drivers in La Crosse, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,038 $2,257
American Family $957 $957
Farmers $1,616 $1,713
GEICO $1,130 $1,305
Liberty Mutual $1,286 $1,456
Nationwide $2,501 $2,629
Progressive $1,230 $1,276
State Farm $1,231 $1,231
USAA $1,142 $1,153

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

Annual Car Insurance Rates by Coverage Level in La Crosse, Wisconsin

Insurance Company Low Medium High
Allstate $3,511 $3,666 $3,848
American Family $1,633 $1,672 $1,661
Farmers $3,338 $3,593 $3,931
GEICO $1,670 $1,789 $1,909
Liberty Mutual $2,495 $2,717 $2,872
Nationwide $4,270 $4,405 $4,545
Progressive $2,505 $2,675 $2,777
State Farm $2,095 $2,206 $2,300
USAA $1,833 $1,904 $1,970

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

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

Annual La Crosse, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,022 $4,126 $3,841 $3,710
American Family $1,582 $1,680 $1,680 $1,680
Farmers $3,156 $3,988 $3,770 $3,569
GEICO $1,233 $2,008 $2,324 $1,592
Liberty Mutual $2,054 $2,939 $3,038 $2,748
Nationwide $3,726 $4,310 $5,281 $4,310
Progressive $2,431 $2,939 $2,521 $2,719
State Farm $2,022 $2,379 $2,201 $2,201
USAA $1,488 $1,881 $2,542 $1,698

How does a DUI affect La Crosse, WI car insurance rates?

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

Annual Car Insurance Rates After a DUI in La Crosse, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,841
American Family $1,680
Farmers $3,770
GEICO $2,324
Liberty Mutual $3,038
Nationwide $5,281
Progressive $2,521
State Farm $2,201
USAA $2,542

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

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

Annual Car Insurance Rates by Credit Score in La Crosse, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,828 $3,319 $2,878
American Family $2,210 $1,463 $1,293
Farmers $4,091 $3,461 $3,309
GEICO $2,344 $1,676 $1,349
Liberty Mutual $3,876 $2,355 $1,853
Nationwide $4,953 $4,133 $4,133
Progressive $3,020 $2,559 $2,378
State Farm $3,283 $1,884 $1,434
USAA $2,922 $1,548 $1,237

How does your commute affect La Crosse, WI car insurance rates?

La Crosse, 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 La Crosse if you’re financing.

Annual Car Insurance Rates by Commute Length in La Crosse, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,587 $3,763
American Family $1,626 $1,684
Farmers $3,621 $3,621
GEICO $1,756 $1,823
Liberty Mutual $2,695 $2,695
Nationwide $4,407 $4,407
Progressive $2,653 $2,653
State Farm $2,148 $2,253
USAA $1,878 $1,927

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Who has the cheapest La Crosse, WI car insurance rates?

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

Best Annual Car Insurance Rates by Company in La Crosse, 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 GEICO

What are the top La Crosse, WI car insurance companies?

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

Average Annual Car Insurance Rates by Company in La Crosse, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,675
American Family $1,655
Farmers $3,621
GEICO $1,789
Liberty Mutual $2,695
Nationwide $4,407
Progressive $2,653
State Farm $2,201
USAA $1,902

What factors affect La Crosse, WI car insurance rates?

Why are La Crosse, Wisconsin car insurance rates different than rates in Oshkosh or Kenosha? 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 La Crosse, WI?

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

How long is the average commute in La Crosse, WI?

More time spent behind the wheel can lead to higher La Crosse, Wisconsin car insurance rates. In La Crosse, WI, the average commute length is 15.8 minutes.

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Car Insurance Quotes for La Crosse, WI

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