Cheap Quotes for Oshkosh, WI Car Insurance (2021)

Oshkosh, Wisconsin car insurance rates average $217 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Oshkosh, WI companies, you can find cheap Oshkosh 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 Oshkosh, WI after a DUI are $2,891/year
  • Oshkosh has an average commute time of 17.1 minutes
  • The cheapest car insurance company in Oshkosh is American Family

How do the Oshkosh, Wisconsin monthly average car insurance rates of $217/month compare to nearby cities like Kenosha car insurance rates, Madison car insurance rates, and Green Bay car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Oshkosh, WI.

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

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

What are the minimum Oshkosh, WI car insurance requirements?

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

Minimum Required Car Insurance Coverage in Oshkosh, 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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Average Oshkosh, WI Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Oshkosh, WI you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Oshkosh, Wisconsin

ZIP Code Average Annual Rates
54901 $2,566
54902 $2,555
54904 $2,541

How do age, gender, and marital status affect Oshkosh, WI car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oshkosh, 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 $2,160 $2,262 $2,016 $2,226 $7,443 $9,600 $2,164 $2,335
American Family $843 $876 $813 $816 $2,669 $2,919 $998 $1,058
Farmers $1,683 $1,681 $1,488 $1,582 $8,189 $8,480 $1,911 $1,994
GEICO $960 $1,074 $1,031 $1,217 $3,292 $3,533 $885 $895
Liberty Mutual $1,599 $1,746 $1,293 $1,472 $5,452 $6,122 $1,697 $1,836
Nationwide $2,917 $3,061 $2,442 $2,565 $6,243 $9,641 $3,573 $4,181
Progressive $1,418 $1,332 $1,166 $1,223 $5,708 $6,411 $1,696 $1,834
State Farm $1,253 $1,253 $1,131 $1,131 $3,809 $4,792 $1,418 $1,627
USAA $1,135 $1,127 $1,041 $1,049 $2,959 $3,402 $1,461 $1,592

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

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

Annual Car Insurance Rates for Teen Drivers in Oshkosh, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,443 $9,600
American Family $2,669 $2,919
Farmers $8,189 $8,480
GEICO $3,292 $3,533
Liberty Mutual $5,452 $6,122
Nationwide $6,243 $9,641
Progressive $5,708 $6,411
State Farm $3,809 $4,792
USAA $2,959 $3,402

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

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

Annual Car Insurance Rates for Senior Drivers in Oshkosh, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,016 $2,226
American Family $813 $816
Farmers $1,488 $1,582
GEICO $1,031 $1,217
Liberty Mutual $1,293 $1,472
Nationwide $2,442 $2,565
Progressive $1,166 $1,223
State Farm $1,131 $1,131
USAA $1,041 $1,049

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

Annual Car Insurance Rates by Coverage Level in Oshkosh, Wisconsin

Insurance Company Low Medium High
Allstate $3,567 $3,764 $3,996
American Family $1,350 $1,387 $1,385
Farmers $3,092 $3,348 $3,688
GEICO $1,463 $1,610 $1,759
Liberty Mutual $2,417 $2,677 $2,862
Nationwide $4,169 $4,327 $4,487
Progressive $2,403 $2,626 $2,766
State Farm $1,918 $2,060 $2,177
USAA $1,643 $1,722 $1,797

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

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

Annual Oshkosh, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,064 $4,237 $3,979 $3,823
American Family $1,316 $1,394 $1,394 $1,394
Farmers $2,939 $3,721 $3,520 $3,323
GEICO $1,102 $1,803 $2,127 $1,411
Liberty Mutual $2,028 $2,885 $2,989 $2,706
Nationwide $3,660 $4,233 $5,186 $4,233
Progressive $2,374 $2,897 $2,471 $2,652
State Farm $1,872 $2,232 $2,052 $2,052
USAA $1,346 $1,702 $2,298 $1,537

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

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

Annual Car Insurance Rates After a DUI in Oshkosh, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,979
American Family $1,394
Farmers $3,520
GEICO $2,127
Liberty Mutual $2,989
Nationwide $5,186
Progressive $2,471
State Farm $2,052
USAA $2,298

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

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

Annual Car Insurance Rates by Credit Score in Oshkosh, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,955 $3,406 $2,966
American Family $1,845 $1,210 $1,068
Farmers $3,811 $3,230 $3,087
GEICO $2,106 $1,509 $1,216
Liberty Mutual $3,823 $2,312 $1,822
Nationwide $4,865 $4,060 $4,060
Progressive $2,931 $2,516 $2,348
State Farm $3,060 $1,757 $1,338
USAA $2,620 $1,409 $1,133

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

Oshkosh, 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 Oshkosh if you’re financing.

Annual Car Insurance Rates by Commute Length in Oshkosh, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,685 $3,866
American Family $1,351 $1,397
Farmers $3,376 $3,376
GEICO $1,581 $1,641
Liberty Mutual $2,652 $2,652
Nationwide $4,328 $4,328
Progressive $2,598 $2,598
State Farm $2,000 $2,103
USAA $1,699 $1,743

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Who has the cheapest Oshkosh, WI car insurance rates?

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

Best Annual Car Insurance Rates by Company in Oshkosh, 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

What are the top Oshkosh, WI car insurance companies?

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

Average Annual Car Insurance Rates by Company in Oshkosh, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,776
American Family $1,374
Farmers $3,376
GEICO $1,611
Liberty Mutual $2,652
Nationwide $4,328
Progressive $2,598
State Farm $2,052
USAA $1,721

What factors affect Oshkosh, WI car insurance rates?

Why are Oshkosh, Wisconsin car insurance rates different than rates in Kenosha or Madison? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Oshkosh, WI?

FBI statistics show that the Oshkosh, Wisconsin car theft rate is 68 thefts each year. High theft rates can lead to higher than average Oshkosh, WI car insurance rates.

How long is the average commute in Oshkosh, WI?

More time spent behind the wheel can lead to higher Oshkosh, Wisconsin car insurance rates. In Oshkosh, WI, the average commute length is 17.1 minutes.

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Car Insurance Quotes for Oshkosh, WI

Shop for affordable Oshkosh, Wisconsin car insurance rates today. Enter your ZIP code to compare quotes from multiple Oshkosh, WI car insurance companies.

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