Cheap Quotes for Luck, WI Car Insurance (2021)

Luck, Wisconsin car insurance rates average $266 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Luck, WI companies, you can find cheap Luck 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 Luck, WI after a DUI are $3,529/year
  • The cheapest car insurance company in Luck is American Family
  • Average car insurance rates in Luck, WI for senior drivers are $1,801/year

How do the Luck, Wisconsin monthly average car insurance rates of $266/month compare to nearby cities like Madison car insurance rates, La Crosse 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 Luck, WI.

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

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

What are the minimum Luck, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Luck, 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 $2,447 $2,594 $2,242 $2,489 $7,531 $9,680 $2,506 $2,728
American Family $1,062 $1,115 $988 $1,001 $2,961 $3,284 $1,252 $1,339
Farmers $2,081 $2,088 $1,853 $1,951 $9,357 $9,710 $2,354 $2,477
GEICO $1,445 $1,583 $1,472 $1,670 $4,697 $5,064 $1,339 $1,389
Liberty Mutual $1,810 $1,980 $1,466 $1,668 $5,864 $6,583 $1,926 $2,091
Nationwide $4,081 $4,310 $3,367 $3,557 $8,164 $12,475 $4,955 $5,930
Progressive $1,976 $1,909 $1,616 $1,673 $6,936 $7,867 $2,370 $2,555
State Farm $1,569 $1,569 $1,373 $1,373 $4,169 $5,303 $1,763 $2,000
USAA $1,453 $1,455 $1,311 $1,342 $3,646 $4,241 $1,895 $2,089

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

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

Annual Car Insurance Rates for Teen Drivers in Luck, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,531 $9,680
American Family $2,961 $3,284
Farmers $9,357 $9,710
GEICO $4,697 $5,064
Liberty Mutual $5,864 $6,583
Nationwide $8,164 $12,475
Progressive $6,936 $7,867
State Farm $4,169 $5,303
USAA $3,646 $4,241

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

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

Annual Car Insurance Rates for Senior Drivers in Luck, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,242 $2,489
American Family $988 $1,001
Farmers $1,853 $1,951
GEICO $1,472 $1,670
Liberty Mutual $1,466 $1,668
Nationwide $3,367 $3,557
Progressive $1,616 $1,673
State Farm $1,373 $1,373
USAA $1,311 $1,342

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

Annual Car Insurance Rates by Coverage Level in Luck, Wisconsin

Insurance Company Low Medium High
Allstate $3,858 $4,018 $4,206
American Family $1,609 $1,639 $1,627
Farmers $3,706 $3,956 $4,289
GEICO $2,196 $2,331 $2,470
Liberty Mutual $2,702 $2,952 $3,116
Nationwide $5,686 $5,853 $6,026
Progressive $3,177 $3,384 $3,527
State Farm $2,281 $2,396 $2,493
USAA $2,101 $2,181 $2,255

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

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

Annual Luck, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,319 $4,527 $4,201 $4,062
American Family $1,554 $1,649 $1,649 $1,649
Farmers $3,474 $4,366 $4,152 $3,943
GEICO $1,630 $2,616 $2,949 $2,136
Liberty Mutual $2,243 $3,167 $3,298 $2,987
Nationwide $4,949 $5,726 $7,019 $5,726
Progressive $3,090 $3,703 $3,198 $3,460
State Farm $2,218 $2,562 $2,390 $2,390
USAA $1,710 $2,148 $2,909 $1,950

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

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

Annual Car Insurance Rates After a DUI in Luck, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,201
American Family $1,649
Farmers $4,152
GEICO $2,949
Liberty Mutual $3,298
Nationwide $7,019
Progressive $3,198
State Farm $2,390
USAA $2,909

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

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

Annual Car Insurance Rates by Credit Score in Luck, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,298 $3,637 $3,147
American Family $2,173 $1,434 $1,268
Farmers $4,516 $3,799 $3,637
GEICO $3,065 $2,183 $1,750
Liberty Mutual $4,222 $2,542 $2,007
Nationwide $6,583 $5,491 $5,491
Progressive $3,866 $3,234 $2,989
State Farm $3,566 $2,046 $1,557
USAA $3,366 $1,765 $1,406

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

Luck, 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 Luck if you’re financing.

Annual Car Insurance Rates by Commute Length in Luck, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,930 $4,124
American Family $1,598 $1,653
Farmers $3,984 $3,984
GEICO $2,281 $2,384
Liberty Mutual $2,924 $2,924
Nationwide $5,855 $5,855
Progressive $3,363 $3,363
State Farm $2,332 $2,448
USAA $2,150 $2,208

Who has the cheapest Luck, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Luck, Wisconsin

Insurance Company Average Annual Rates
Allstate $4,027
American Family $1,625
Farmers $3,984
GEICO $2,333
Liberty Mutual $2,924
Nationwide $5,855
Progressive $3,363
State Farm $2,390
USAA $2,179

What factors affect Luck, WI car insurance rates?

Why are Luck, Wisconsin car insurance rates different than rates in Madison or La Crosse? 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 Luck, WI?

More time spent behind the wheel can lead to higher Luck, Wisconsin car insurance rates. In Luck, WI, the average commute length is 31.0 minutes.

Car Insurance Quotes for Luck, WI

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