Cheap Quotes for Spooner, WI Car Insurance (2021)

Spooner, Wisconsin car insurance rates average $271 a month and Wisconsin law requires coverage of at least 25/50/10. By comparing rates from multiple Spooner, WI companies, you can find cheap Spooner 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 Spooner, WI after a DUI are $3,610/year
  • The cheapest car insurance company in Spooner is American Family
  • Spooner has an average commute time of 21.8 minutes

How do the Spooner, Wisconsin monthly average car insurance rates of $271/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 Spooner, WI.

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

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

What are the minimum Spooner, WI car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Spooner, 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 $2,361 $2,499 $2,168 $2,402 $7,358 $9,441 $2,414 $2,627
American Family $1,038 $1,090 $965 $978 $2,848 $3,157 $1,220 $1,303
Farmers $2,184 $2,192 $1,942 $2,044 $9,877 $10,259 $2,477 $2,613
GEICO $1,445 $1,583 $1,472 $1,670 $4,697 $5,064 $1,339 $1,389
Liberty Mutual $2,256 $2,483 $1,830 $2,094 $6,610 $7,444 $2,404 $2,628
Nationwide $4,174 $4,411 $3,433 $3,630 $8,237 $12,554 $5,058 $6,077
Progressive $1,996 $1,929 $1,634 $1,688 $7,012 $7,954 $2,398 $2,589
State Farm $1,549 $1,549 $1,355 $1,355 $4,111 $5,228 $1,740 $1,975
USAA $1,426 $1,429 $1,283 $1,315 $3,556 $4,148 $1,860 $2,053

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

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

Annual Car Insurance Rates for Teen Drivers in Spooner, Wisconsin

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,358 $9,441
American Family $2,848 $3,157
Farmers $9,877 $10,259
GEICO $4,697 $5,064
Liberty Mutual $6,610 $7,444
Nationwide $8,237 $12,554
Progressive $7,012 $7,954
State Farm $4,111 $5,228
USAA $3,556 $4,148

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

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

Annual Car Insurance Rates for Senior Drivers in Spooner, Wisconsin

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,168 $2,402
American Family $965 $978
Farmers $1,942 $2,044
GEICO $1,472 $1,670
Liberty Mutual $1,830 $2,094
Nationwide $3,433 $3,630
Progressive $1,634 $1,688
State Farm $1,355 $1,355
USAA $1,283 $1,315

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

Annual Car Insurance Rates by Coverage Level in Spooner, Wisconsin

Insurance Company Low Medium High
Allstate $3,747 $3,900 $4,080
American Family $1,560 $1,589 $1,576
Farmers $3,910 $4,169 $4,516
GEICO $2,196 $2,331 $2,470
Liberty Mutual $3,234 $3,494 $3,678
Nationwide $5,795 $5,943 $6,102
Progressive $3,225 $3,422 $3,553
State Farm $2,252 $2,363 $2,457
USAA $2,063 $2,135 $2,203

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

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

Annual Spooner, Wisconsin Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,213 $4,391 $4,083 $3,948
American Family $1,506 $1,598 $1,598 $1,598
Farmers $3,664 $4,604 $4,371 $4,156
GEICO $1,630 $2,616 $2,949 $2,136
Liberty Mutual $2,679 $3,726 $3,918 $3,552
Nationwide $5,027 $5,816 $7,129 $5,816
Progressive $3,125 $3,744 $3,233 $3,499
State Farm $2,188 $2,527 $2,358 $2,358
USAA $1,675 $2,103 $2,849 $1,908

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

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

Annual Car Insurance Rates After a DUI in Spooner, Wisconsin

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,083
American Family $1,598
Farmers $4,371
GEICO $2,949
Liberty Mutual $3,918
Nationwide $7,129
Progressive $3,233
State Farm $2,358
USAA $2,849

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

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

Annual Car Insurance Rates by Credit Score in Spooner, Wisconsin

Insurance Company Poor Fair Good
Allstate $5,139 $3,531 $3,057
American Family $2,107 $1,390 $1,228
Farmers $4,757 $4,005 $3,833
GEICO $3,065 $2,183 $1,750
Liberty Mutual $5,043 $2,993 $2,370
Nationwide $6,686 $5,577 $5,577
Progressive $3,909 $3,270 $3,022
State Farm $3,518 $2,018 $1,536
USAA $3,303 $1,725 $1,373

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

Spooner, 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 Spooner if you’re financing.

Annual Car Insurance Rates by Commute Length in Spooner, Wisconsin

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,815 $4,003
American Family $1,548 $1,602
Farmers $4,199 $4,199
GEICO $2,281 $2,384
Liberty Mutual $3,469 $3,469
Nationwide $5,947 $5,947
Progressive $3,400 $3,400
State Farm $2,301 $2,415
USAA $2,106 $2,162

Who has the cheapest Spooner, WI car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Spooner, Wisconsin

Insurance Company Average Annual Rates
Allstate $3,909
American Family $1,575
Farmers $4,199
GEICO $2,333
Liberty Mutual $3,469
Nationwide $5,947
Progressive $3,400
State Farm $2,358
USAA $2,134

What factors affect Spooner, WI car insurance rates?

Why are Spooner, 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 Spooner, WI?

More time spent behind the wheel can lead to higher Spooner, Wisconsin car insurance rates. In Spooner, WI, the average commute length is 21.8 minutes.

Car Insurance Quotes for Spooner, WI

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