Cheap Quotes for Mount Horeb, WI Car Insurance (2021)

Mount Horeb, Wisconsin car insurance rates average $227 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Mount Horeb, WI companies, you can find cheap Mount Horeb 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 Mount Horeb, WI for senior drivers are $1,487/year
  • The cheapest car insurance company in Mount Horeb is American Family
  • Average car insurance rates in Mount Horeb, WI are $227/month

How do the Mount Horeb, Wisconsin monthly average car insurance rates of $227/month compare to nearby cities like Milwaukee car insurance rates, Janesville 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 Mount Horeb, WI.

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

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

What are the minimum Mount Horeb, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Mount Horeb, 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 $2,191 $2,309 $2,022 $2,231 $7,084 $9,051 $2,226 $2,421
American Family $892 $929 $853 $856 $2,745 $3,015 $1,060 $1,127
Farmers $1,723 $1,723 $1,523 $1,616 $8,418 $8,734 $1,965 $2,058
GEICO $1,062 $1,181 $1,120 $1,300 $3,663 $3,948 $982 $1,002
Liberty Mutual $1,541 $1,673 $1,243 $1,404 $5,632 $6,300 $1,638 $1,766
Nationwide $3,025 $3,168 $2,529 $2,654 $6,489 $10,021 $3,703 $4,327
Progressive $1,690 $1,599 $1,388 $1,448 $6,638 $7,474 $2,031 $2,207
State Farm $1,254 $1,254 $1,129 $1,129 $3,788 $4,764 $1,419 $1,632
USAA $1,263 $1,254 $1,152 $1,163 $3,289 $3,796 $1,630 $1,779

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

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

Annual Car Insurance Rates for Teen Drivers in Mount Horeb, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,084 $9,051
American Family $2,745 $3,015
Farmers $8,418 $8,734
GEICO $3,663 $3,948
Liberty Mutual $5,632 $6,300
Nationwide $6,489 $10,021
Progressive $6,638 $7,474
State Farm $3,788 $4,764
USAA $3,289 $3,796

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

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

Annual Car Insurance Rates for Senior Drivers in Mount Horeb, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,022 $2,231
American Family $853 $856
Farmers $1,523 $1,616
GEICO $1,120 $1,300
Liberty Mutual $1,243 $1,404
Nationwide $2,529 $2,654
Progressive $1,388 $1,448
State Farm $1,129 $1,129
USAA $1,152 $1,163

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

Annual Car Insurance Rates by Coverage Level in Mount Horeb, Wisconsin

Insurance Company Low Medium High
Allstate $3,556 $3,684 $3,835
American Family $1,415 $1,448 $1,440
Farmers $3,185 $3,441 $3,784
GEICO $1,661 $1,787 $1,898
Liberty Mutual $2,437 $2,678 $2,835
Nationwide $4,335 $4,489 $4,644
Progressive $2,869 $3,088 $3,221
State Farm $1,920 $2,054 $2,165
USAA $1,842 $1,918 $1,987

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

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

Annual Mount Horeb, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,014 $4,141 $3,870 $3,742
American Family $1,373 $1,455 $1,455 $1,455
Farmers $3,024 $3,826 $3,613 $3,417
GEICO $1,219 $2,002 $2,341 $1,567
Liberty Mutual $2,014 $2,898 $2,986 $2,701
Nationwide $3,796 $4,391 $5,380 $4,391
Progressive $2,797 $3,403 $2,907 $3,130
State Farm $1,868 $2,224 $2,046 $2,046
USAA $1,498 $1,894 $2,559 $1,712

How does a DUI affect Mount Horeb, WI car insurance rates?

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

Annual Car Insurance Rates After a DUI in Mount Horeb, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,870
American Family $1,455
Farmers $3,613
GEICO $2,341
Liberty Mutual $2,986
Nationwide $5,380
Progressive $2,907
State Farm $2,046
USAA $2,559

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

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

Annual Car Insurance Rates by Credit Score in Mount Horeb, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,841 $3,338 $2,896
American Family $1,922 $1,265 $1,117
Farmers $3,915 $3,320 $3,174
GEICO $2,334 $1,669 $1,343
Liberty Mutual $3,804 $2,321 $1,824
Nationwide $5,047 $4,211 $4,211
Progressive $3,465 $2,958 $2,755
State Farm $3,052 $1,752 $1,334
USAA $2,938 $1,560 $1,249

How does your commute affect Mount Horeb, WI car insurance rates?

Mount Horeb, 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 Mount Horeb if you’re financing.

Annual Car Insurance Rates by Commute Length in Mount Horeb, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,603 $3,780
American Family $1,410 $1,459
Farmers $3,470 $3,470
GEICO $1,751 $1,813
Liberty Mutual $2,650 $2,650
Nationwide $4,489 $4,489
Progressive $3,059 $3,059
State Farm $1,995 $2,097
USAA $1,891 $1,941

Who has the cheapest Mount Horeb, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Mount Horeb, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,692
American Family $1,435
Farmers $3,470
GEICO $1,782
Liberty Mutual $2,650
Nationwide $4,489
Progressive $3,059
State Farm $2,046
USAA $1,916

What factors affect Mount Horeb, WI car insurance rates?

Why are Mount Horeb, Wisconsin car insurance rates different than rates in Milwaukee 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 Mount Horeb, WI?

More time spent behind the wheel can lead to higher Mount Horeb, Wisconsin car insurance rates. In Mount Horeb, WI, the average commute length is 26.3 minutes.

Car Insurance Quotes for Mount Horeb, WI

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