Cheap Quotes for Lake Mills, WI Car Insurance (2021)

Lake Mills, Wisconsin car insurance rates average $224 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Lake Mills, WI companies, you can find cheap Lake Mills 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

  • The cheapest car insurance company in Lake Mills is American Family
  • Lake Mills has an average commute time of 27.5 minutes
  • Average car insurance rates in Lake Mills, WI after a DUI are $2,986/year

How do the Lake Mills, Wisconsin monthly average car insurance rates of $224/month compare to nearby cities like Appleton car insurance rates, Madison car insurance rates, and Eau Claire car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lake Mills, WI.

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

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

What are the minimum Lake Mills, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake Mills, 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 $2,094 $2,204 $1,936 $2,133 $6,799 $8,677 $2,126 $2,312
American Family $891 $928 $857 $860 $2,836 $3,111 $1,060 $1,126
Farmers $1,766 $1,766 $1,561 $1,657 $8,592 $8,914 $2,012 $2,107
GEICO $1,129 $1,248 $1,180 $1,360 $3,771 $4,058 $1,044 $1,070
Liberty Mutual $1,663 $1,807 $1,340 $1,518 $6,246 $6,999 $1,762 $1,897
Nationwide $3,143 $3,301 $2,616 $2,751 $6,584 $10,130 $3,836 $4,518
Progressive $1,447 $1,364 $1,186 $1,245 $5,746 $6,462 $1,731 $1,877
State Farm $1,149 $1,149 $1,029 $1,029 $3,382 $4,259 $1,298 $1,490
USAA $1,212 $1,207 $1,103 $1,118 $3,109 $3,594 $1,567 $1,714

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

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

Annual Car Insurance Rates for Teen Drivers in Lake Mills, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,799 $8,677
American Family $2,836 $3,111
Farmers $8,592 $8,914
GEICO $3,771 $4,058
Liberty Mutual $6,246 $6,999
Nationwide $6,584 $10,130
Progressive $5,746 $6,462
State Farm $3,382 $4,259
USAA $3,109 $3,594

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

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

Annual Car Insurance Rates for Senior Drivers in Lake Mills, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $2,133
American Family $857 $860
Farmers $1,561 $1,657
GEICO $1,180 $1,360
Liberty Mutual $1,340 $1,518
Nationwide $2,616 $2,751
Progressive $1,186 $1,245
State Farm $1,029 $1,029
USAA $1,103 $1,118

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

Annual Car Insurance Rates by Coverage Level in Lake Mills, Wisconsin

Insurance Company Low Medium High
Allstate $3,399 $3,527 $3,679
American Family $1,434 $1,472 $1,470
Farmers $3,258 $3,518 $3,865
GEICO $1,727 $1,857 $1,989
Liberty Mutual $2,623 $2,932 $3,157
Nationwide $4,459 $4,608 $4,763
Progressive $2,446 $2,657 $2,794
State Farm $1,742 $1,854 $1,949
USAA $1,756 $1,829 $1,897

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

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

Annual Lake Mills, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,882 $3,963 $3,710 $3,585
American Family $1,396 $1,480 $1,480 $1,480
Farmers $3,090 $3,910 $3,694 $3,493
GEICO $1,285 $2,083 $2,400 $1,663
Liberty Mutual $2,202 $3,183 $3,271 $2,959
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,406 $2,931 $2,503 $2,690
State Farm $1,693 $2,003 $1,848 $1,848
USAA $1,432 $1,806 $2,439 $1,634

How does a DUI affect Lake Mills, WI car insurance rates?

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

Annual Car Insurance Rates After a DUI in Lake Mills, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,710
American Family $1,480
Farmers $3,694
GEICO $2,400
Liberty Mutual $3,271
Nationwide $5,525
Progressive $2,503
State Farm $1,848
USAA $2,439

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

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

Annual Car Insurance Rates by Credit Score in Lake Mills, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,635 $3,197 $2,774
American Family $1,958 $1,285 $1,134
Farmers $4,002 $3,394 $3,245
GEICO $2,434 $1,740 $1,399
Liberty Mutual $4,175 $2,543 $1,994
Nationwide $5,182 $4,324 $4,324
Progressive $2,976 $2,547 $2,374
State Farm $2,756 $1,583 $1,206
USAA $2,803 $1,488 $1,191

How does your commute affect Lake Mills, WI car insurance rates?

Lake Mills, 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 Lake Mills if you’re financing.

Annual Car Insurance Rates by Commute Length in Lake Mills, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,451 $3,620
American Family $1,434 $1,484
Farmers $3,547 $3,547
GEICO $1,821 $1,894
Liberty Mutual $2,904 $2,904
Nationwide $4,610 $4,610
Progressive $2,632 $2,632
State Farm $1,803 $1,894
USAA $1,804 $1,851

Who has the cheapest Lake Mills, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Lake Mills, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,535
American Family $1,459
Farmers $3,547
GEICO $1,858
Liberty Mutual $2,904
Nationwide $4,610
Progressive $2,632
State Farm $1,848
USAA $1,828

What factors affect Lake Mills, WI car insurance rates?

Why are Lake Mills, Wisconsin car insurance rates different than rates in Appleton or Madison? 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 Lake Mills, WI?

More time spent behind the wheel can lead to higher Lake Mills, Wisconsin car insurance rates. In Lake Mills, WI, the average commute length is 27.5 minutes.

Car Insurance Quotes for Lake Mills, WI

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