Cheap Quotes for Ladysmith, WI Car Insurance (2021)

Ladysmith, Wisconsin car insurance rates average $257 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Ladysmith, WI companies, you can find cheap Ladysmith 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 Ladysmith, WI after a DUI are $3,425/year
  • Ladysmith has an average commute time of 14.8 minutes
  • The cheapest car insurance company in Ladysmith is American Family

How do the Ladysmith, Wisconsin monthly average car insurance rates of $257/month compare to nearby cities like Oshkosh car insurance rates, Janesville 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 Ladysmith, WI.

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

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

What are the minimum Ladysmith, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ladysmith, 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 $2,316 $2,450 $2,128 $2,358 $7,219 $9,269 $2,365 $2,573
American Family $985 $1,033 $919 $932 $2,717 $3,004 $1,154 $1,230
Farmers $2,069 $2,080 $1,841 $1,937 $9,295 $9,663 $2,339 $2,466
GEICO $1,445 $1,583 $1,472 $1,670 $4,697 $5,064 $1,339 $1,389
Liberty Mutual $1,918 $2,104 $1,555 $1,774 $5,914 $6,647 $2,042 $2,225
Nationwide $4,008 $4,234 $3,296 $3,485 $7,912 $12,057 $4,855 $5,831
Progressive $1,789 $1,729 $1,462 $1,511 $6,390 $7,246 $2,159 $2,353
State Farm $1,437 $1,437 $1,259 $1,259 $3,821 $4,865 $1,614 $1,827
USAA $1,429 $1,432 $1,286 $1,318 $3,565 $4,157 $1,864 $2,056

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

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

Annual Car Insurance Rates for Teen Drivers in Ladysmith, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,219 $9,269
American Family $2,717 $3,004
Farmers $9,295 $9,663
GEICO $4,697 $5,064
Liberty Mutual $5,914 $6,647
Nationwide $7,912 $12,057
Progressive $6,390 $7,246
State Farm $3,821 $4,865
USAA $3,565 $4,157

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

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

Annual Car Insurance Rates for Senior Drivers in Ladysmith, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,128 $2,358
American Family $919 $932
Farmers $1,841 $1,937
GEICO $1,472 $1,670
Liberty Mutual $1,555 $1,774
Nationwide $3,296 $3,485
Progressive $1,462 $1,511
State Farm $1,259 $1,259
USAA $1,286 $1,318

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

Annual Car Insurance Rates by Coverage Level in Ladysmith, Wisconsin

Insurance Company Low Medium High
Allstate $3,673 $3,826 $4,006
American Family $1,480 $1,510 $1,501
Farmers $3,682 $3,931 $4,271
GEICO $2,196 $2,331 $2,470
Liberty Mutual $2,800 $3,050 $3,216
Nationwide $5,565 $5,709 $5,854
Progressive $2,960 $3,096 $3,183
State Farm $2,084 $2,195 $2,290
USAA $2,067 $2,140 $2,208

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

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

Annual Ladysmith, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,154 $4,307 $4,006 $3,872
American Family $1,432 $1,518 $1,518 $1,518
Farmers $3,455 $4,338 $4,130 $3,922
GEICO $1,630 $2,616 $2,949 $2,136
Liberty Mutual $2,326 $3,260 $3,411 $3,091
Nationwide $4,827 $5,584 $6,844 $5,584
Progressive $2,829 $3,394 $2,925 $3,171
State Farm $2,032 $2,348 $2,190 $2,190
USAA $1,679 $2,107 $2,854 $1,913

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

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

Annual Car Insurance Rates After a DUI in Ladysmith, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,006
American Family $1,518
Farmers $4,130
GEICO $2,949
Liberty Mutual $3,411
Nationwide $6,844
Progressive $2,925
State Farm $2,190
USAA $2,854

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

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

Annual Car Insurance Rates by Credit Score in Ladysmith, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,040 $3,464 $3,000
American Family $2,005 $1,320 $1,166
Farmers $4,491 $3,777 $3,616
GEICO $3,065 $2,183 $1,750
Liberty Mutual $4,379 $2,618 $2,070
Nationwide $6,419 $5,355 $5,355
Progressive $3,536 $2,963 $2,741
State Farm $3,267 $1,875 $1,427
USAA $3,310 $1,729 $1,376

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

Ladysmith, 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 Ladysmith if you’re financing.

Annual Car Insurance Rates by Commute Length in Ladysmith, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,742 $3,927
American Family $1,472 $1,522
Farmers $3,961 $3,961
GEICO $2,281 $2,384
Liberty Mutual $3,022 $3,022
Nationwide $5,710 $5,710
Progressive $3,080 $3,080
State Farm $2,136 $2,244
USAA $2,110 $2,166

Who has the cheapest Ladysmith, WI car insurance rates?

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

Best Annual Car Insurance Rates by Company in Ladysmith, Wisconsin

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record American Family
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation American Family

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What are the top Ladysmith, WI car insurance companies?

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

Average Annual Car Insurance Rates by Company in Ladysmith, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,835
American Family $1,497
Farmers $3,961
GEICO $2,333
Liberty Mutual $3,022
Nationwide $5,710
Progressive $3,080
State Farm $2,190
USAA $2,138

What factors affect Ladysmith, WI car insurance rates?

Why are Ladysmith, Wisconsin car insurance rates different than rates in Oshkosh or Janesville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Ladysmith, WI?

More time spent behind the wheel can lead to higher Ladysmith, Wisconsin car insurance rates. In Ladysmith, WI, the average commute length is 14.8 minutes.

Car Insurance Quotes for Ladysmith, WI

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