Cheap Quotes for Niagara, WI Car Insurance (2021)

Niagara, Wisconsin car insurance rates average $263 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Niagara, WI companies, you can find cheap Niagara 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 Niagara, WI are $263/month
  • Niagara has an average commute time of 17.7 minutes
  • Average car insurance rates in Niagara, WI after a DUI are $3,502/year

How do the Niagara, Wisconsin monthly average car insurance rates of $263/month compare to nearby cities like Appleton car insurance rates, Janesville car insurance rates, and Milwaukee car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Niagara, WI.

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

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

What are the minimum Niagara, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Niagara, 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 $2,404 $2,540 $2,212 $2,447 $7,645 $9,785 $2,454 $2,673
American Family $1,002 $1,052 $930 $943 $2,680 $2,970 $1,173 $1,252
Farmers $2,100 $2,102 $1,866 $1,965 $9,617 $9,968 $2,397 $2,535
GEICO $1,346 $1,485 $1,385 $1,583 $4,448 $4,798 $1,246 $1,290
Liberty Mutual $1,837 $2,008 $1,486 $1,690 $6,057 $6,797 $1,955 $2,122
Nationwide $4,260 $4,495 $3,503 $3,701 $8,447 $12,880 $5,161 $6,189
Progressive $1,875 $1,806 $1,532 $1,588 $6,825 $7,731 $2,262 $2,466
State Farm $1,469 $1,469 $1,282 $1,282 $3,860 $4,910 $1,649 $1,873
USAA $1,377 $1,374 $1,247 $1,269 $3,509 $4,070 $1,788 $1,963

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

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

Annual Car Insurance Rates for Teen Drivers in Niagara, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,645 $9,785
American Family $2,680 $2,970
Farmers $9,617 $9,968
GEICO $4,448 $4,798
Liberty Mutual $6,057 $6,797
Nationwide $8,447 $12,880
Progressive $6,825 $7,731
State Farm $3,860 $4,910
USAA $3,509 $4,070

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

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

Annual Car Insurance Rates for Senior Drivers in Niagara, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,212 $2,447
American Family $930 $943
Farmers $1,866 $1,965
GEICO $1,385 $1,583
Liberty Mutual $1,486 $1,690
Nationwide $3,503 $3,701
Progressive $1,532 $1,588
State Farm $1,282 $1,282
USAA $1,247 $1,269

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

Annual Car Insurance Rates by Coverage Level in Niagara, Wisconsin

Insurance Company Low Medium High
Allstate $3,858 $4,010 $4,191
American Family $1,487 $1,513 $1,501
Farmers $3,805 $4,041 $4,360
GEICO $2,061 $2,196 $2,336
Liberty Mutual $2,764 $3,022 $3,197
Nationwide $5,929 $6,077 $6,231
Progressive $3,122 $3,279 $3,381
State Farm $2,130 $2,229 $2,313
USAA $1,999 $2,077 $2,149

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

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

Annual Niagara, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,289 $4,515 $4,208 $4,068
American Family $1,435 $1,522 $1,522 $1,522
Farmers $3,556 $4,473 $4,221 $4,025
GEICO $1,527 $2,465 $2,806 $1,992
Liberty Mutual $2,293 $3,248 $3,378 $3,059
Nationwide $5,139 $5,945 $7,288 $5,945
Progressive $2,992 $3,600 $3,097 $3,354
State Farm $2,067 $2,382 $2,224 $2,224
USAA $1,625 $2,048 $2,771 $1,855

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

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

Annual Car Insurance Rates After a DUI in Niagara, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,208
American Family $1,522
Farmers $4,221
GEICO $2,806
Liberty Mutual $3,378
Nationwide $7,288
Progressive $3,097
State Farm $2,224
USAA $2,771

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

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

Annual Car Insurance Rates by Credit Score in Niagara, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,286 $3,632 $3,142
American Family $2,007 $1,324 $1,170
Farmers $4,611 $3,881 $3,713
GEICO $2,886 $2,057 $1,651
Liberty Mutual $4,326 $2,604 $2,053
Nationwide $6,835 $5,701 $5,701
Progressive $3,735 $3,139 $2,908
State Farm $3,318 $1,904 $1,450
USAA $3,196 $1,684 $1,344

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

Niagara, 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 Niagara if you’re financing.

Annual Car Insurance Rates by Commute Length in Niagara, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,923 $4,117
American Family $1,475 $1,525
Farmers $4,069 $4,069
GEICO $2,151 $2,244
Liberty Mutual $2,994 $2,994
Nationwide $6,079 $6,079
Progressive $3,261 $3,261
State Farm $2,171 $2,277
USAA $2,048 $2,102

Who has the cheapest Niagara, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Niagara, Wisconsin

Insurance Company Average Annual Rates
Allstate $4,020
American Family $1,500
Farmers $4,069
GEICO $2,198
Liberty Mutual $2,994
Nationwide $6,079
Progressive $3,261
State Farm $2,224
USAA $2,075

What factors affect Niagara, WI car insurance rates?

Why are Niagara, 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 Niagara, WI?

More time spent behind the wheel can lead to higher Niagara, Wisconsin car insurance rates. In Niagara, WI, the average commute length is 17.7 minutes.

What is the traffic like in Niagara, WI

Like commute length, time spent in traffic also increase risk of accidents. Niagara, WI is listed as 741st in INRIX congested cities data.

Car Insurance Quotes for Niagara, WI

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