Cheap Quotes for Lowell, WI Car Insurance (2021)

Lowell, Wisconsin car insurance rates average $226 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Lowell, WI companies, you can find cheap Lowell 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 Lowell is American Family
  • Average car insurance rates in Lowell, WI are $226/month
  • Average car insurance rates in Lowell, WI after a DUI are $3,009/year

How do the Lowell, Wisconsin monthly average car insurance rates of $226/month compare to nearby cities like Janesville car insurance rates, Oshkosh car insurance rates, and Waukesha car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lowell, WI.

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

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

What are the minimum Lowell, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lowell, 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 $2,233 $2,351 $2,065 $2,277 $7,332 $9,366 $2,265 $2,461
American Family $945 $988 $895 $902 $2,803 $3,088 $1,118 $1,190
Farmers $1,806 $1,806 $1,598 $1,698 $8,791 $9,110 $2,054 $2,146
GEICO $1,138 $1,260 $1,191 $1,377 $3,807 $4,096 $1,052 $1,078
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 $1,519 $1,438 $1,245 $1,303 $5,944 $6,693 $1,821 $1,978
State Farm $1,121 $1,121 $999 $999 $3,224 $4,072 $1,264 $1,443
USAA $1,210 $1,204 $1,102 $1,116 $3,112 $3,595 $1,563 $1,709

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

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

Annual Car Insurance Rates for Teen Drivers in Lowell, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,332 $9,366
American Family $2,803 $3,088
Farmers $8,791 $9,110
GEICO $3,807 $4,096
Liberty Mutual $5,627 $6,311
Nationwide $6,584 $10,130
Progressive $5,944 $6,693
State Farm $3,224 $4,072
USAA $3,112 $3,595

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

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

Annual Car Insurance Rates for Senior Drivers in Lowell, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,065 $2,277
American Family $895 $902
Farmers $1,598 $1,698
GEICO $1,191 $1,377
Liberty Mutual $1,281 $1,454
Nationwide $2,616 $2,751
Progressive $1,245 $1,303
State Farm $999 $999
USAA $1,102 $1,116

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

Annual Car Insurance Rates by Coverage Level in Lowell, Wisconsin

Insurance Company Low Medium High
Allstate $3,650 $3,786 $3,946
American Family $1,471 $1,505 $1,498
Farmers $3,323 $3,595 $3,961
GEICO $1,738 $1,874 $2,012
Liberty Mutual $2,460 $2,710 $2,891
Nationwide $4,459 $4,608 $4,763
Progressive $2,566 $2,766 $2,897
State Farm $1,678 $1,786 $1,878
USAA $1,754 $1,828 $1,896

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

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

Annual Lowell, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,089 $4,254 $3,983 $3,849
American Family $1,427 $1,513 $1,513 $1,513
Farmers $3,158 $3,997 $3,780 $3,570
GEICO $1,296 $2,101 $2,425 $1,677
Liberty Mutual $2,048 $2,931 $3,028 $2,740
Nationwide $3,898 $4,508 $5,525 $4,508
Progressive $2,508 $3,049 $2,607 $2,806
State Farm $1,636 $1,925 $1,780 $1,780
USAA $1,430 $1,805 $2,437 $1,633

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

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

Annual Car Insurance Rates After a DUI in Lowell, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,983
American Family $1,513
Farmers $3,780
GEICO $2,425
Liberty Mutual $3,028
Nationwide $5,525
Progressive $2,607
State Farm $1,780
USAA $2,437

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

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

Annual Car Insurance Rates by Credit Score in Lowell, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,978 $3,429 $2,975
American Family $1,998 $1,315 $1,161
Farmers $4,094 $3,469 $3,316
GEICO $2,457 $1,755 $1,412
Liberty Mutual $3,867 $2,347 $1,846
Nationwide $5,182 $4,324 $4,324
Progressive $3,109 $2,651 $2,469
State Farm $2,654 $1,525 $1,162
USAA $2,800 $1,488 $1,191

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

Lowell, 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 Lowell if you’re financing.

Annual Car Insurance Rates by Commute Length in Lowell, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,703 $3,885
American Family $1,466 $1,517
Farmers $3,626 $3,626
GEICO $1,837 $1,912
Liberty Mutual $2,687 $2,687
Nationwide $4,610 $4,610
Progressive $2,743 $2,743
State Farm $1,736 $1,825
USAA $1,803 $1,850

Who has the cheapest Lowell, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Lowell, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,794
American Family $1,491
Farmers $3,626
GEICO $1,875
Liberty Mutual $2,687
Nationwide $4,610
Progressive $2,743
State Farm $1,780
USAA $1,826

What factors affect Lowell, WI car insurance rates?

Why are Lowell, Wisconsin car insurance rates different than rates in Janesville or Oshkosh? 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 Lowell, WI?

More time spent behind the wheel can lead to higher Lowell, Wisconsin car insurance rates. In Lowell, WI, the average commute length is 26.4 minutes.

What is the traffic like in Lowell, WI

Like commute length, time spent in traffic also increase risk of accidents. Lowell, WI is listed as 580th in INRIX congested cities data.

Car Insurance Quotes for Lowell, WI

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