Cheap Quotes for Lancaster, WI Car Insurance (2021)

Lancaster, Wisconsin car insurance rates average $240 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Lancaster, WI companies, you can find cheap Lancaster 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

  • Lancaster has an average commute time of 21.4 minutes
  • Average car insurance rates in Lancaster, WI for senior drivers are $1,606/year
  • The cheapest car insurance company in Lancaster is American Family

How do the Lancaster, Wisconsin monthly average car insurance rates of $240/month compare to nearby cities like Appleton car insurance rates, Janesville car insurance rates, and Oshkosh car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lancaster, WI.

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

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

What are the minimum Lancaster, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lancaster, 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 $2,284 $2,413 $2,103 $2,327 $7,214 $9,254 $2,328 $2,531
American Family $938 $980 $883 $890 $2,684 $2,960 $1,107 $1,179
Farmers $1,841 $1,839 $1,637 $1,732 $8,463 $8,739 $2,085 $2,185
GEICO $1,260 $1,382 $1,287 $1,459 $4,114 $4,438 $1,167 $1,210
Liberty Mutual $1,729 $1,888 $1,398 $1,587 $5,815 $6,520 $1,841 $1,999
Nationwide $3,662 $3,859 $3,030 $3,196 $7,449 $11,409 $4,454 $5,300
Progressive $1,602 $1,530 $1,311 $1,364 $6,081 $6,866 $1,931 $2,110
State Farm $1,246 $1,246 $1,105 $1,105 $3,542 $4,470 $1,405 $1,610
USAA $1,368 $1,365 $1,238 $1,259 $3,492 $4,054 $1,776 $1,949

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

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

Annual Car Insurance Rates for Teen Drivers in Lancaster, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,214 $9,254
American Family $2,684 $2,960
Farmers $8,463 $8,739
GEICO $4,114 $4,438
Liberty Mutual $5,815 $6,520
Nationwide $7,449 $11,409
Progressive $6,081 $6,866
State Farm $3,542 $4,470
USAA $3,492 $4,054

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

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

Annual Car Insurance Rates for Senior Drivers in Lancaster, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,103 $2,327
American Family $883 $890
Farmers $1,637 $1,732
GEICO $1,287 $1,459
Liberty Mutual $1,398 $1,587
Nationwide $3,030 $3,196
Progressive $1,311 $1,364
State Farm $1,105 $1,105
USAA $1,238 $1,259

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

Annual Car Insurance Rates by Coverage Level in Lancaster, Wisconsin

Insurance Company Low Medium High
Allstate $3,643 $3,797 $3,980
American Family $1,438 $1,466 $1,454
Farmers $3,307 $3,540 $3,849
GEICO $1,927 $2,039 $2,154
Liberty Mutual $2,631 $2,870 $3,039
Nationwide $5,141 $5,295 $5,449
Progressive $2,714 $2,868 $2,965
State Farm $1,867 $1,971 $2,060
USAA $1,991 $2,064 $2,133

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

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

Annual Lancaster, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,123 $4,274 $3,982 $3,847
American Family $1,390 $1,473 $1,473 $1,473
Farmers $3,109 $3,919 $3,712 $3,521
GEICO $1,424 $2,289 $2,588 $1,859
Liberty Mutual $2,176 $3,092 $3,212 $2,908
Nationwide $4,476 $5,178 $6,347 $5,178
Progressive $2,610 $3,158 $2,706 $2,923
State Farm $1,809 $2,123 $1,966 $1,966
USAA $1,616 $2,036 $2,756 $1,843

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

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

Annual Car Insurance Rates After a DUI in Lancaster, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,982
American Family $1,473
Farmers $3,712
GEICO $2,588
Liberty Mutual $3,212
Nationwide $6,347
Progressive $2,706
State Farm $1,966
USAA $2,756

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

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

Annual Car Insurance Rates by Credit Score in Lancaster, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,003 $3,438 $2,979
American Family $1,943 $1,282 $1,133
Farmers $4,041 $3,401 $3,253
GEICO $2,676 $1,910 $1,534
Liberty Mutual $4,113 $2,478 $1,951
Nationwide $5,953 $4,966 $4,966
Progressive $3,245 $2,749 $2,554
State Farm $2,932 $1,684 $1,282
USAA $3,181 $1,673 $1,334

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

Lancaster, 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 Lancaster if you’re financing.

Annual Car Insurance Rates by Commute Length in Lancaster, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,715 $3,898
American Family $1,428 $1,477
Farmers $3,565 $3,565
GEICO $1,997 $2,083
Liberty Mutual $2,847 $2,847
Nationwide $5,295 $5,295
Progressive $2,849 $2,849
State Farm $1,919 $2,014
USAA $2,036 $2,089

Who has the cheapest Lancaster, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Lancaster, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,807
American Family $1,453
Farmers $3,565
GEICO $2,040
Liberty Mutual $2,847
Nationwide $5,295
Progressive $2,849
State Farm $1,966
USAA $2,063

What factors affect Lancaster, WI car insurance rates?

Why are Lancaster, Wisconsin car insurance rates different than rates in Appleton 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 Lancaster, WI?

More time spent behind the wheel can lead to higher Lancaster, Wisconsin car insurance rates. In Lancaster, WI, the average commute length is 21.4 minutes.

What is the traffic like in Lancaster, WI

Like commute length, time spent in traffic also increase risk of accidents. Lancaster, WI is listed as 297th in INRIX congested cities data.

Car Insurance Quotes for Lancaster, WI

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