Cheap Quotes for Phlox, WI Car Insurance (2021)

Phlox, Wisconsin car insurance rates average $250 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Phlox, WI companies, you can find cheap Phlox 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 Phlox, WI are $250/month
  • Average car insurance rates in Phlox, WI after a DUI are $3,328/year
  • Average car insurance rates in Phlox, WI for senior drivers are $1,678/year

How do the Phlox, Wisconsin monthly average car insurance rates of $250/month compare to nearby cities like Appleton 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 Phlox, WI.

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

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

What are the minimum Phlox, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Phlox, 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 $2,266 $2,393 $2,086 $2,309 $7,157 $9,183 $2,309 $2,510
American Family $965 $1,012 $899 $910 $2,583 $2,860 $1,130 $1,205
Farmers $2,009 $2,010 $1,784 $1,884 $9,272 $9,603 $2,282 $2,400
GEICO $1,445 $1,583 $1,472 $1,670 $4,697 $5,064 $1,339 $1,389
Liberty Mutual $1,873 $2,048 $1,514 $1,723 $6,228 $6,993 $1,991 $2,162
Nationwide $3,664 $3,851 $3,031 $3,192 $7,499 $11,491 $4,455 $5,285
Progressive $1,776 $1,692 $1,456 $1,518 $6,706 $7,568 $2,128 $2,301
State Farm $1,343 $1,343 $1,183 $1,183 $3,658 $4,644 $1,511 $1,715
USAA $1,310 $1,307 $1,186 $1,206 $3,343 $3,879 $1,699 $1,863

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

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

Annual Car Insurance Rates for Teen Drivers in Phlox, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,157 $9,183
American Family $2,583 $2,860
Farmers $9,272 $9,603
GEICO $4,697 $5,064
Liberty Mutual $6,228 $6,993
Nationwide $7,499 $11,491
Progressive $6,706 $7,568
State Farm $3,658 $4,644
USAA $3,343 $3,879

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

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

Annual Car Insurance Rates for Senior Drivers in Phlox, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,086 $2,309
American Family $899 $910
Farmers $1,784 $1,884
GEICO $1,472 $1,670
Liberty Mutual $1,514 $1,723
Nationwide $3,031 $3,192
Progressive $1,456 $1,518
State Farm $1,183 $1,183
USAA $1,186 $1,206

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

Annual Car Insurance Rates by Coverage Level in Phlox, Wisconsin

Insurance Company Low Medium High
Allstate $3,615 $3,767 $3,948
American Family $1,433 $1,458 $1,445
Farmers $3,628 $3,878 $4,212
GEICO $2,196 $2,331 $2,470
Liberty Mutual $2,818 $3,093 $3,288
Nationwide $5,161 $5,305 $5,459
Progressive $2,939 $3,169 $3,321
State Farm $1,968 $2,078 $2,172
USAA $1,905 $1,976 $2,042

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

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

Annual Phlox, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,099 $4,241 $3,950 $3,816
American Family $1,384 $1,466 $1,466 $1,466
Farmers $3,408 $4,293 $4,063 $3,859
GEICO $1,630 $2,616 $2,949 $2,136
Liberty Mutual $2,346 $3,328 $3,459 $3,132
Nationwide $4,488 $5,192 $6,363 $5,192
Progressive $2,878 $3,485 $2,988 $3,221
State Farm $1,917 $2,228 $2,072 $2,072
USAA $1,547 $1,949 $2,637 $1,764

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

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

Annual Car Insurance Rates After a DUI in Phlox, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,950
American Family $1,466
Farmers $4,063
GEICO $2,949
Liberty Mutual $3,459
Nationwide $6,363
Progressive $2,988
State Farm $2,072
USAA $2,637

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

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

Annual Car Insurance Rates by Credit Score in Phlox, Wisconsin

Insurance Company Poor Fair Good
Allstate $4,961 $3,412 $2,957
American Family $1,935 $1,275 $1,127
Farmers $4,424 $3,728 $3,566
GEICO $3,065 $2,183 $1,750
Liberty Mutual $4,433 $2,666 $2,100
Nationwide $5,968 $4,979 $4,979
Progressive $3,578 $3,033 $2,818
State Farm $3,091 $1,775 $1,351
USAA $3,041 $1,602 $1,279

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

Phlox, 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 Phlox if you’re financing.

Annual Car Insurance Rates by Commute Length in Phlox, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,686 $3,867
American Family $1,422 $1,469
Farmers $3,906 $3,906
GEICO $2,281 $2,384
Liberty Mutual $3,067 $3,067
Nationwide $5,309 $5,309
Progressive $3,143 $3,143
State Farm $2,022 $2,123
USAA $1,949 $2,000

Who has the cheapest Phlox, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Phlox, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,777
American Family $1,445
Farmers $3,906
GEICO $2,333
Liberty Mutual $3,067
Nationwide $5,309
Progressive $3,143
State Farm $2,072
USAA $1,974

Car Insurance Quotes for Phlox, WI

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